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

I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed they continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated XXXX Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the Revocable Living Trust XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if XXXX, XXXX, and Equifax continue XXXX violate my consumer rights, I will accelerate legal actions pursuant XXXX XXXX Code XXXX - Civil liability for willful noncompliance -Please See Attached
Product: Student loan

I dont know dates. But I have spoken with them a few times and they have me make {$5.00} payments then act like they dont get them. They told me after 6 or 9 months of consecutive payments I would be good and theyd help me further. After all that they started saying I wasnt paying. And then I get bills for {$100.00} and more payments to be made. The name is something education.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX. Account Number : XXXX
Product: Checking or savings account

My citizenship status was listed incorrectly. I do not have a 'secondary citizenship ' with the United States XXXX I am a permanent resident. I would like Capital One 's records to reflect this. I tried calling their customer service but was unable to reach a resolution.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  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. 




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

I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX  XXXX  ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXXXXXX XXXX XXXXXXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX 2020
Product: Student loan

I started the process of renewing my IDR plan about 3 months ago. Since that time, I 've received a few emails from FedLoan saying something was n't accepted or that I needed to choose a IDR plan eligible for PSLF if I wanted to continue working toward forgiveness. Each time I 've gotten an email, and it 's been at least 4 times, I 've called FedLoan. Each time, I 've been told that I have uploaded the proper documents and tax information. Last week, I received an email saying that my request was n't processed and that my next bill would be {$4600.00} instead of something close to the {$210.00} I 've been paying for a year. I called and was told that my tax document was n't what they needed. This is after being repeatedly told over the past 8 weeks that the information I uploaded was correct. I 'm now being told that I will likely have to go into general forbearance which would cause my loans to capitalize, adding a several thousand dollars to my bottom line. I spoke with someone today who said I may get an " administrative forbearance '' which may keep my loans from capitalizing but he could n't guarantee it. I 've spent at least 20 hours on the phone with this company and have sent several emails, most of them which have n't gotten a response, since this problem started, and there has been no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called IC Systems collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX  report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants IC Systems authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 IC Systems decides to report the same collection information on my XXXX  report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for IC Systems. I have provided documentation showing IC Systems being deleted from my XXXX  report as they could not validate this fraudulent debt ; proof showing this XXXX XXXXXXXX XXXX belongs to IC Systems and documentation showing them adding the same exact collect on my XXXX  report under " XXXX XXXX. ''
Product: Bank account or service

US Bank is reporting false information on my credit files XXXX and XXXX
Product: Bank account or service

On XXXX XXXX, 2016, I walked into Wells Fargo to deposit a check into my business account. When I approached the teller to make the deposit she brings to my attention that I do not have a savings account with Wells Fargo. I informed her that I was aware of the fact and I did not want a savings account. She made two more attempts to get me to open a savings account, to which I declined. On the teller 's fourth attempt, I informed the teller that I was short on time, but I would agree to speak with a personal banker to inquire about opening a savings account only if the personal banker were available after we completed the deposit of the check. After the check was deposited, the personal banker was not available, therefore, I left Wells Fargo without speaking to anyone regarding the savings account. I now realize that I have a credit inquiry from Wells Fargo on that day. I was never informed they will check my credit, nor did I authorize anyone to make an inquire on my credit.
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 timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

My husband and I applied for a Loan Modification at XXXX XXXX XXXX because of health/medical bills, etc. We were never late or failed to make payments. After speaking with multiple supervisors they instructed us, against our wishes, to stop making payments 2 times in order for our Loan Modification to be approved. My attorney instincts kicked in and I said I did n't trust it because I did n't want to be reported negatively on my credit report. They repeatedly told me it would not affect my credit report and they would not negatively report us. I said I wanted that in writing, which I got the supervisor to write me via email stating that. I thought that should be good enough. Then I recently checked my credit report and of course one of the only negative ( and now my only negative reporting as my other one from a credit card have been fixed ). This makes me furious that they specifically told me not to pay which did not sound right but I listened to them because it had been over a year trying to get our Loan Modification approved. I then did a dispute with XXXX and they said they wo n't change it which is crazy since I gave them all the documentation including the email from XXXX XXXX XXXX. I will pursue this to the end as it is wrong and I consider it to be fraud.
Product: Mortgage

I am still XXXX and have tried dealing will of these issues. I have not worked since XXXX, 2015. I am still disputing their mortgage amounts, they continue to charge me for an impound account my loan amount is XXXX the letter states XXXX. I am attaching a letter with the last mortgage payment returned.
Product: Credit card

On XX/XX/XXXX I called to see if my payment was received. Comenity bank advised they didnt receive the payment. When I found this out I then paid off my account with the representative on the phone. The representative advised me to place a stop payment since the payment was lost. I received a bill in the mail for {$30.00} in XXXX. I called Comenity customer service on XX/XX/XXXX I spoke to supervisor XXXX. She advised me that a check was received on XX/XX/XXXX and was attempted to be cashed the same check Comenity advised me to place a stop payment on. I asked if they can waive the fee since it was their customer service that advised me to place a stop payment and my account was paid in full and on time for the duration of my account. She said she will not be able to waive the fee. This doesnt seem fair to me as a customer and I dont appreciate that I have to pay for their faults.
Product: Credit card or prepaid card

On XX/XX/2021, a fraudulent withdrawal was made to my Direct Express Deposit account from a cardless ATM machine, located in XXXX XXXX, California. I have followed all the instructions provided by Direct Express to have them return the funds of {$1000.00} to my account, including an extensive answer form, a police report, a statement about the circumstances, etc. It is clear that this is a fraud or identity theft perpetrated on my account. I have given a very consistent statement to Direct Express about this situation. Direct Express claims there are inconsistencies in my report, there are NOT. Direct Express refuses to refund my money and has closed the dispute. I can not reach Direct Express to discuss the situation. They schedule telephone calls to me that they never make. They are perpetrating and participating in a fraud on my account and I can not get any information. They take me around and around in a circle to get this scenario resolved and there is NO XXXX to appeal too or adjudicate the matter. It is a blank wall to try to deal with them. This is a very exasperating and dangerous situation for the consumer, especially a person who relies on Social Security deposits to cover their expenses. Direct Express does this because there seems to be no remedy.
Product: Checking or savings account

Region 's Bank and XXXX XXXX allowed someone named XXXX XXXX to receive a wire transfer of {$770.00} from my checking account. Region 's insists this amount was authorized by me. I disputed the transfer, and my dispute was denied. I filed a police report with XXXX XXXX, FL Police Department ( XXXX ) and a claim with XXXX XXXX XXXX case # XXXX ), I appealed the transfer with Region 's, and the appeal was denied. I checked with XXXX and found someone had added a phone number to my account that could receive text messages from my phone. That telephone number is XXXX. My account is FDIC insured against fraud. The withdrawal and approval of the money was fraud, and I want Region 's to refund my money in full.
Product: Vehicle loan or lease

Chase Bank Financing. I spoke with a Chase  rep on XX/XX/XXXX who offered me until XX/XX/XXXX ( car note due date ) to make a payment on my loan which would have made me eligible for a forbearance where the 2 missed payments are placed on the back of my loan. She stated the payment must be made on the XXXX otherwise it would roll over into next month 's payment and the forbearance would not apply. She acknowledged I had good history with making my car payments until recent. I agreed to make a {$370.00} payment on XX/XX/XXXX via online payment to qualify for the forbearance. Instead, on XX/XX/XXXX, I received a notice that Chase had accelerated the loan and was demanding full payment. On XX/XX/XXXX Chase locked my loan account so no payments could be made online and it remains locked to this day. They demanded full pymt via a branch or XXXX XXXX which is ludicrous considering Covid. I have a recording of the call which Im sure Chase does as well. 

Not sure if this was suppose to be a scare tactic but it is very aggressive and shady behavior which may also be motivated by prejudices against minority customers. Chase is attempting to force a repossession instead of following through with special lending options meant for all debtors. I should not carry the burden of the Chase representative giving misleading or bad advice ( if that was the case ). 

Please note : no correspondence from Chase provides a full accoumt number but I have provided a notice with some PII to search my account.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.
Product: Debt collection

I have no knowledge of this date and they will not send me a copy of the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Prepaid card

I am in the process of rebuilding my credit after a bankruptcy, and US Bank told me that if I get a prepaid card, my account can be reviewed in XXXX months with the likelihood that I will quality for a credit card. XXXX months elapsed, I inquired, and they told me I had been given the wrong information and that I will likely be able to get a credit card after one year. XXXX year elapsed, and I again applied for a credit card. The answer continued to be " no, no, and more no. '' In the meantime, they collect fees on this card, and would continue to collect fees except for the fact that I just closed the account. While claiming this was a tool to rebuild my credit, it seems to me to be a bait-and-switch gimmick that just racks up money for the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with INDIGO has been sold to XXXX XXXX XXXX. The creditor indigo have no authority on this account. this goes against the fair credit reporting act. XXXX XXXX XXXX  has the debt and currently reporting on my credit report as well. I demand deletion of this account as it is a violation of FRCA and FDCPA.