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

I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At XXXX point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  - {$13000.00} ; XXXX XXXX - {$310.00} ; XXXX XXXX XXXX - {$830.00}, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

Complaint Summary : On XX/XX/year>, I deposited XXXX checks from the XXXX Department of Education XXXX Bank of America totaling {$20000.00} ( {$370.00} and {$20000.00} ). My deposit receipt clearly stated that the checks would clear, and funds would be available by XX/XX/year>. As of today, XX/XX/year>, my funds have still not been released. 

I have called Bank of America XXXX XXXX. I was finally told on XX/XX/year>, that the funds may be released soon, but no definite date was given. This has caused me significant financial hardship, stress, and inconvenience. 

These checks were issued by a federal agency XXXX XXXX Department of Education ), and there should have been no legitimate reason for such an unreasonable delay. 

I am demanding the immediate release of my funds and appropriate compensation for the emotional distress, financial inconvenience, and the interest the bank may have earned while withholding my funds. 


-- - Attachments : XXXX of both checks XXXX receipt Screenshot or document showing hold date XXXX of demand letter Call log ( if available )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : XXXX XXXX Number : Unknown Creditor Name : XXXX XXXX XXXX  XXXX As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : 1. The original creditors name and address.

2. A detailed explanation of the debt, including proof of its validity. 
3. Documentation that the debt is mine and that it is reported accurately.
Product: Mortgage

My home loan was held by Wells Fargo, and then sold to XXXXXXXX XXXX XXXXXXXX. Upon obtaining my loan, XXXX has indicated that I have a delinquent, previous balance, when the loan was with Wells Fargo. I indicated to XXXX that XXXX month payments were apart of the XXXX assistance program offered by Wells Fargo and they were to be attached to the end of the loan. I also indicated that I have not missed any monthly payments and to please verify this by obtaining my payment history. As a result, XXXX has been reporting this inaccurate information to the credit bureaus, causing an adverse affect on my credit score/standing.
Product: Checking or savings account

my name is XXXX im want to file a lawsuit to chase bank for emotional distress because i just got my check from work and went to deposit it and it was loading for about 10 min like the check was still processing and its been like 15 min and still loading and im like this isnt right so i go inside talk to an employee telling them that that atm ate my check and went bqck outside and the machine printed out a receipt saying that machine isnt working so i was talking to the employee and he said that it have to wait a couple days like 10 for credit for XXXX $ and i dont need credit for XXXX i need my check or my cash back cause i have payments to make and i had several mental breakdowns cause of thay because i have debt to pay off in 4 days and i cant wait 10days for that XXXX so yeah
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX, XXXX  and all payments were placed on Autopay. 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 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 those accounts 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. 


XXXXXXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( 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 or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 8 months since i filled this complaint Below and Exquifax did not respone or fix problem the problem. 

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXXXXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX3.XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX   XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Phone : XXXX APPLICATION : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY..

WELLS FARGO IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT.

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.
Product: Credit card or prepaid card

I received a credit monitor alert of my credit score drop due to a change on my credit card. When I logged onto my account XXXX credit card ( Comenity Bank ) had change my credit limit from {$350.00} to {$100.00}. I've contacted the company to see what happened and they only told me that a letter was sent to me by mail of the changes. It took weeks for the letter to arrive and when it did it stated the changes was made based off what was on my credit report. The problem to me is that I have never been late on my payments, never asked for assistance but when I decided to pay off my credit card they decided to lower my credit limit. I've never asked them for an increase to my credit limit the whole 2yrs I've had my account. I even contacted all 3 credit bureaus and they don't see why the company made that decision. Plus the letter even had my credit score incorrect when they made the decision. I have mailed a certified disputed letter to them and still no changes. They claim they can not make any changes on my account in which I believe is untrue. I don't understand how the company can get over on customers that are doing right with their accounts like this that makes bad business to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 Hello XXXX, XXXX, and Equifax, I disputed XXXX XXXX, XXXX XXXX on XX/XX/2023 and everything came back verified. 

How is that possible when the date opened is incorrect for both accounts, and the account status is also incorrect on both accounts they are supposed to be closed. 

Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal will not allow me to unlink a bank account. As a result, Paypal continues to withdraw money from a bank account with a low balance. Each time Paypal withdraws money from my linked bank account, sometimes for as little as {$0.00}, I incur a {$35.00}  bank fee. In the past 6 months I have incurred several hundred dollars in bank fees as a direct result of Paypal 's withdraws. 

When I log into my Paypal account, I am unable to remove ( unlink ) the bank from my Paypal account. 

On XXXX XXXX, XXXX I called Paypal and spoke to XXXX and XXXX XXXX XXXX identified herself as a supervisor. Both Paypal representatives told me they could not remove my bank account from my Paypal account. I asked for a copy of the Paypal policy which dictates that I am unable to remove a bank account from my Paypal account. Both representatives informed me that they could not send me a copy of the policy. I asked to speak to someone else. XXXX said I could not speak to anyone else. Instead they berated me, became hostile and hung up on me.
Product: Debt collection

The collection previously deleted by Consumer Adjustment Co has been illegally reinserted using false, deceptive and misleading practices. This account was unsubstantiated, unverified, and therefore it was why it was lawfully removed in accordance with the Fair Credit Reporting Act. 

Consumer Adjustment Co commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting  a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

I have attached the reports for comparison.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and disappointment regarding Experian 's failure to investigate and respond to my formal dispute submitted on or around XX/XX/year>. This dispute outlined fraudulent accounts on my credit report, provided relevant documentation, and requested resolution as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my submission, I have yet to receive any acknowledgment or documentation of an investigation. According to 15 USC 1681i ( a ) ( 1 ) ( A ), Experian is legally obligated to investigate disputed items and provide a timely response, typically within 30 days of receipt. However, more than 30 days have passed without any action, leaving the fraudulent accounts unaddressed. 

The accounts I previously disputed are as follows : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX XXXX  Limited Account Number : XXXX These accounts are fraudulent, and I have submitted evidence to support my claim, includingan FTC Identity Theft Report. By failing to investigate or provide verification of these accounts, Experian is in violation of FCRA provisions 15 USC 1681i, 15 USC 1681s-2, and 15 USC 1681e ( b ).
Product: Checking or savings account

I have been trying to contact them regaurfing my acct cuz i have XXXX dollars in there and they wont respond email or phone i have been trying to access acct since XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late Account Number : XXXX that are reported on my credit file maintained by Equifax XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the Fair Credit Reporting Act XXXX account # XXXX and # XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at XXXX
Product: Credit reporting or other personal consumer reports

You are required by FCRA XXXX to delete any wrongly reported accounts from my credit report. Please check the documents, as some accounts have incorrect reporting, amounts, and dates.
Product: Checking or savings account

I opened a checking account with BBVA Compass on XX/XX/XXXX when they had a XXXX  $ bonus promotion for making a direct deposit of XXXX   $ or more. I met the requirements for the promotion. Still after contacting the bank several times the bonus was not posted. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX but so far the amount was not deposited.
Product: Credit card or prepaid card

i had a bad time in XXXX XXXX florida had a hurrican and storm and i was not able to pay so i wrote hsn card synchrony bank a good will latter tellin them why i was late and they send me a latter back sayin they will remove it in XXXX but never did and my credit is still hurting frm this also drop my limit frm XXXX to XXXX to closeing my acct after i been a good loyal cumsmer for 6 year dats how they do me badbad
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have caused considerable harm to my credit history and financial stability. I have been a victim of identity theft, which has resulted in several fraudulent accounts and transactions appearing on my credit report. I have reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required. However, these fraudulent items continue to tarnish my credit history, negatively impacting my creditworthiness. I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I am asking for your assistance to remove the following fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX, XXXX, Midwest Loan Services withdrew {$1300.00} from our checking account without our authorization. This resulted in a double payment because I had set up an autopay through my bank. 

Our home mortgage was recently sold to XXXX XXXX XXXX, which uses Midwest Loan Services. The company had sent us a " welcome packet '' with a form for us to complete if we wanted them to extract the money from our account. We did not fill in that form. Instead, we set up autopay through our bank account. 

Today, I spoke with XXXX 's agent, Midwest Loan Services, and resolved the problem. However, I would like to let you know about their illegal practice so you can make sure they don't treat other customers like they treated us -- withdrawing funds without the customer 's permission. 

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

Ifoundoutthatsomeofmycreditreferencesarenotshownbuthavebeensubmittedandvalidatedwhilelookingoveranupdatedcopyofmycreditreport.Pleaseconductanotherinvestigationandsendmethecredithistoryasshownbythemerchant'sletterthatisconnectedtomycreditreport. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within 30 days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : XXXX  XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1600.00}
Product: Student loan

I have sent Navient numerous requests on how to handle my payments. Payments and overpayments are NOT being applied in the method I have directed Navient. I have tried to reach customer advocate without success on multiple occasions. 

Navient has lost my account history and has refused to provide my account history in a useful form ( xls, csv, or some other summarizable method ). They will only provide lengthy images ( unable to tabulate ) of my account history. This requires that I must enter tens of thousands of characters every month if I want to " check their math '' every month.

When I file complaints with the CFPB Navient marks the complaints as solved and no action is ever taken. In some instances directive is followed regarding overpayment, but such directive is often late. Plus I am infrequently notified of such actions. 

Communication with Navient is XXXX XXXX. I've left VM with my advocate, with the advocacy center in general, and I've emailed both too. I'm LUCKY to get any response at all. 

Other account holders are able to access their account history in a spreadsheet form.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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.