23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please make appropriate corrections reported as late payments on CITI listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECIEVED A EMAIL SAYING MY XXXX XXXX WENT DOWN XXXX POINTS WHEN I CHECKED MY EMAIL I REALIZED THERE WAS A FRADULENT ACCOUNT ON MY CREDIT REPORT I HAVE NO KNOWLEDGE OF WHO XXXX IS I WORK REALLY HARD ON MY CREDIT AND I AM SO DISSAPOINTED BECAUSE I AM CONFUSED OF THIS EVEN HAPPENED WHEN I HAVE A FREEZE ON MY ACCOUNTS WITH ALL 3 BUREAUS. AS FOR THE STUDENT LOANS I HAVE MADE SERVERAL ATTEMPTS TO GET THEM REMOVED OFF MY REPORTS I HAVE NEVER IN MY LIFE APPLIED FOR A STUDENT LOAN FOR MYSELF OR ANYONE ELSE PLEASE REMOVE ALL XXXX  OFF MY REPORT
Product: Payday loan, title loan, or personal loan

I have asked the company multiple times ( at least 3 times prior to today : XXXX XXXX, spoke to ****** ) not to contact me at my work place, she has told my staff members to tell me I need to call that company to resolve an issue. I have explained to them that I am unable to get personal calls at my job. Each time I had been told that they would remove the phone number but base on the calls it has not taken place. I have expressed my concern with the manager he stated they are doing their job and will speak to them to be sure the phone number is removed. 
My rights have been violated more than once
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this collection account on Experian since XXXX. Once I dispute it within XXXX week they come back as accurate information. XXXX XXXX XXXX is trying to collect on a remaining balance that is not collectable. XXXX XXXX Credit Card sent my account to the original collection company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX collected for them on this debt. They settled with me for a lesser amount. The original amount was {$700.00} I paid {$560.00} on XX/XX/2021 which left a remaining balance of {$140.00} which I didn't have to pay because they settled. I have sent letters from this agency stating that I have settled my balance and I do not owe anything more. This company Experian and XXXX will not remove this balance of {$140.00} they are trying to collect which is not collectable since the account was Settled in full from my report. I have been fighting them since XX/XX/2021. Please help me get this error off my report and stop them from putting it back on and stop them from trying to collect on something they do not have a right to collect on. I have never ever received anything from this XXXX XXXX XXXX company this whole time. I do not know who they are or how they got ahold of my written off balance. Please help me I am begging you.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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 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 XXXX XXXX XXXX
Product: Credit reporting

We are happy that this obligation is now behind us, please note the damage to my consumer credit 1. Credit report agency -Experian is showing this legal item of {$600.00} paid, 2. Credit report agency -Equifax is showing this as legal item not paid Requesting complete removal of this item
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have a XXXX  XXXX credit card. They are stating I have two cards and I do not have a credit card or credit cards with XXXX  XXXX.
Product: Checking or savings account

My direct deposit paycheck was sent by my employer XXXX/XXXX/2025 for {$1300.00} but there is no record of this on my checking account. I have been on direct deposit for 6 years to the same account. My employer confirms the funds were sent to Capital One.
Product: Checking or savings account

I ; ve had an account at Navy Federal Credit Union for over 20 years. In XXXX I received a loan for a new car. I was discharged from the XXXX XXXX XXXX in XXXX because it was discovered that I had a XXXX XXXX  XXXX and was given 2 years to live. Due to my condition being pre existing I was not awarded service connection benefits. I became homeless due to no income and lost the automobile. In XXXX NFCU wrote off the loan. My name was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. I fought the CA for my benefits and won in XXXX. I also had XXXX XXXX XXXX in XXXX at XXXX XXXX. The VA refused to perform XXXX stating that I would not survive or it would not help, In an effort to re establish my credit I started another savings account at NFCU under my new name. 3 years ago. I had an automatic deposit of {$100.00} going into my account monthly.. I had an emergency and visited NFCU to make a withdraw from my savings account. I was told I had a XXXX balance because my money was taken out of my account to pay off the car loan that was written off in XXXX. I was never informed of this. I never received any monthly statements regarding the credit unions actions. I never signed any agreement regarding this matter. That was an old account and old debt under my former name. I told the credit union they had no right to take that action. I asked for all past statements on the account and was not given any.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of several unauthorized hard inquiries from my credit report. The inquiries in question are as follows : XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX card inquiry dated XX/XX/XXXX XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX  inquiry XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

( 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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX in XXXX to pay off debt and maybe obtain a vehicle, they have been ok for the most part except for recently when my credit report was falsified with payments that were NEVER LATE DUE TO THEM GIVING ME LEEWAY DUE TO MY FINANCIAL SITUATION DUE TO JOB LOSSES FROM XXXX XXXX XXXX  LEAVING ME WITHOUT INCOME, EVICTED FROM MY HOME, NO CAR, I HAVE NO FAMILY OR FRIENDS AS THEY HAVE DISOWNED ME FOR PERSONAL REASON AND I HAVE BEEN DENIED/DISQUALIFIED FROM UNEMPLOYMENT BENEFITS. I SQUAT IN VACANT BUILDINGS, MOTELS/HOTELS ( WITH VOUCHERS ), SHELTERS, THE STREETS AND PUBLIC BATHROOMS. I HAVE LOST {$140000.00} IN WAGES DUE THIS SITUATION AND NOT BEING ABLE TO WORK DUE TO MENTAL HEALTH ISSUES. I AM ALSO REQUESTING RETROACTIVE PAYMENT IN LATE FEES AND LOAN FORGIVENESS.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing this letter to dispute the erroneous reporting account on my credit report provided by your bureau. The details of the disputable accounts are as follows : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2019. I request you to evaluate this reporting by revising the information provided. According to my understanding, a charge-off account should show a {$0.00} balance. However, in these cases, there is a balance of {$100000.00} and {$110000.00}, respectively. I urge you to remove these erroneous reporting accounts from my credit report as soon as possible. I would like to bring to your notice that XXXX has already removed these accounts from their records, as they found an error present. However, I am confused as to why your bureau has verified it, while the other bureaus have removed it. Please delete these accounts from my file as they are inaccurate, erroneous, incomplete or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked Equifax, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX Credit Report As of : XXXX XXXX XXXX XXXX Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX 47 % {$470.00} Equifax Credit Report As of : XXXX XXXX XXXX XXXX Revolving XX/XX/XXXX Closed Charge-off XX/XX/XXXX 47 % {$470.00} XX/XX/XXXX, XXXX Credit Report As of : XXXX XXXX XXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XX/XX/XXXX 47 % {$470.00}
Product: Debt collection

I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ), please compel CRA Experian to perform their duties according to FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 Experian Legal Department Address City, State, Zip Code Dear Sir/Madam, I, XXXX XXXX , am writing to dispute the accuracy and completeness of information reported by your agency regarding my account with XXXX  XXXX, account number XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby request a thorough reinvestigation of the aforementioned account to ensure all information is reported accurately and completely. 


Moreover, I invoke the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ), 281 SW 715,719, to highlight that I have not been furnished with any proof of the alleged debt associated with this account. This lack of evidence leads me to presume that no such debt exists. Therefore, I demand the deletion of this account from my credit report as its accuracy and completeness can not be verified, and there appears to be no substantiating evidence of the alleged debt. 

Please ensure that this reinvestigation is completed as promptly as possible, within the 30-day period as mandated by the FCRA. I expect that all aspects of the account with XXXX XXXX will be thoroughly reviewed and that any inaccuracies will be corrected immediately. Should this account not be verified in its entirety or if evidence of the alleged debt can not be provided, I demand its removal from my credit report to accurately reflect my credit history. 

Enclosed are copies of documents supporting my dispute. I trust that you will handle this matter with the urgency and seriousness it deserves. 

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

Sincerely, XXXX XXXX [ Enclosures : Identity Verification Documents, if applicable ]
Product: Debt collection

This company named Tek Collect Inc, has a put a collection account on my credit report that is not supposed to be there. 

The original creditor was paid in full. The original creditor informed me that Tek Collect Inc, was not supposed to list this account on my credit reports. The original creditor also informed me, that they told Tek Collect Inc to remove this erroneous account off my credit reports. But Tek Collect Inc will not and the account is still showing on my credit reports. 

Tek Collect Inc, has knowingly violated the FCRA, but placing erroneous and fraudulent information on my credit reports. Please make them remove this account. 

Account Name : Tek Collect Inc Account Number : XXXX Thank you for your help
Product: Vehicle loan or lease

We have a loan for our car with Ally Auto Loan. We recently moved to Florida and in order to get the tags the county needs proof of title from the bank. We got the information so the county could request the title but the county is hearing nothing back from Ally. If they do not hear back our car will not be able to be driven and this car is needed for our jobs.

We have tried calling ALLY and emailing and every route but they will not return our calls. They wont help. We pay our loan payments on time every time.
Product: Credit reporting or other personal consumer reports

XXXX Affirm account opened XX/XX/XXXX, had XXXX late payment XX/XX/XXXX. 
XXXX Affirm account opened XX/XX/XXXX and had XXXX late payments spanning from XXXX XXXX to XX/XX/XXXX. 

I started school XX/XX/XXXX and had not gotten my XXXX  from school until XX/XX/XXXX. I went all XXXX months with no financial help and was XXXX due XX/XX/XXXX. 

Unfortunately my daughter came XXXX weeks early XX/XX/XXXX and had to stay in the XXXX at XXXX. I can provide the paper work if needed. 

I fell behind on rent and all my bills during this time and just could not afford to pay anything. I understand that this is not the fault of affirm but I eventually paid it off and got the account closed. I would love if affirm could update the late payments/and/or remove them because I have not had an account with them since and it would help my credit tremendously. 
Please consider this. The accounts are now paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with TD auto was charged off XX/XX/XXXX as well as the truck repoed. This whole charge off account and everything should have fallen off my report at 3 years ( XX/XX/XXXX ) per Mississippi laws for debt collection. TD auto is reporting a balance still today and the balance is increasing each month like interest. This company has the truck and sold the truck at auction for more than I owed and then sent me a letter saying I owed XXXX for it. I have spoke to representatives at the company and disputed with credit bureaus. This is inaccurate information and should have been taken off my credit long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was on XXXX XXXX and noticed an inquiry that I did not authorized, from XXXX XXXX XXXX. I immediately called the company and was told it would be 30 days to get a response. I filed a fraud alert with XXXX XXXX police department report number is XXXX. I kept calling the company, no response from fraud department. I emailed XXXX and have not heard back. It is now XX/XX/XXXX and the company has done nothing to help me. I did put a freeze on all my credit via fraud alert. 
Can you, thank you, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial Institution and zelle failed to investigate my claims adequately. They informed me that reporting lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started dispute with Equifax on XXXX/XXXX/2017, was received and updated to pending status same date on the website. Confirmation number is XXXX. Had an estimated date of completion XXXX/XXXX/2017. As of today, XXXX/XXXX/2017, it is still listed as pending. I am waiting to buy a house, and do n't see any other way of contacting them to get them to move on this other than submit a new dispute, which would then drag this out. As far as I am aware, if it has been 30 days and no response, they are supposed to remove the disputed credit information. Thank you for any help!
Product: Checking or savings account

On XX/XX/2022 my phone was stolen out of my hands when in public. The person was able to get into my Paypal account and sent payments from several bank accounts to a number of individuals. After notifying my banks they were able to reverse the payments. After notifying Paypal, however, they stated that it was my fault that this occurred and threatened to send the {$1000.00} negative balance to collections. To prevent this from happening, I sent {$1000.00} to Paypal to cover the fraudulent balance.
Product: Payday loan, title loan, or personal loan

There are a few issues we ran into with Upstart 1. When we encountered recent financial hardship, Upstart presented " hardship payment '' options that did not really address the monthly payment long-term or the loan itself, and was not helpful as advertised. 

2. Upon further review of the loan agreement, it was found that the terms are predatory as almost a year paying into the loan has not even resulted in {$900.00} of the principle being paid off ( note, monthly payments have been {$350.00} a month ). We agreed to these terms under financial duress ( previous financial hardship ).