23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I was charged a late fee While they were negotiating with the family credit to consolidate my debt. I was charged a late fee. Now I am afraid that my credit is going to take a hit from this because then I am unable to connect to Chase 's customer support because every time I call them the phone hangs up automatically. 

I have called from multiple phones, The same thing happens
Product: Vehicle loan or lease

My credit report says someone used my personal information to loan a car and the car was repossessed and now it says i owe the lender {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a formal request for debt validation in XX/XX/2019 to XXXX XXXX. They never responded to me and then I requested to have it removed from my credit report. Equifax did a 3 day dispute and kept it on my file even though i dont believe the debt is mine and it was never validated.
Product: Debt collection

This is a collection that was PAID IN FULL LAST XX/XX/2019 PLEASE SEE CHECK OF FULL PAYMENT DONE XX/XX/2019 IC SYSTEM IS COMMITTING FRAUD, THEY ARE REPORTING ME FRAUDULENTLY BASED UPON A collection that was PAID IN FULL last XX/XX/2019 PLEASE SEE EVIDENCE OF PAYMENT. 
IC SYSTEM IS DESTROYING MY CREDIT REPORT BASED ON FALSE INFORMATION THEY ARE REPORTING. 

CREDITOR : XXXX AKA XXXX XXXX IC SYSTEM MUST DELETE THIS FRAUDULENT COLLECTION ACCOUNT OUT OF MY CREDIT REPORT EFFECTIVE IMMEDIATELY.
Product: Mortgage

I was charged for insurance because they claimed they never got a copy of my insurance. Then when I called, they found a copy of my insurance. The representative told me she would take care of it and remove any charges. The charges never got removed and I had to call in again. At this time, they told me they needed my XXXX XXXX XXXX ; I provided them with this. I was told I would get a refund. Instead of getting a refund, my next mortgage payment included the additional charge ( once again ). I am still waiting to receive a refund and have called several times again. Newrez escalated customer service representative XXXX XXXX ( XXXX is who I have been in touch with, has stopped returning my calls even though her colleague told me she will call me back when she gets back from lunch. I have since sent her several emails and am still waiting for a response from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is supporting Capital One on leaving a business account on my personal credit report. I disputed so many times with them and unfortunately they refuse to take it off by allowing Capital One to say for them to keep it there. Please help me, my business name was XXXX XXXX XXXX XXXX and unfortunately it is not in business anymore because it didn't bring enough revenue. Thank you!!! XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I see this account is still not remove. Please delete.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

These accounts are identity theft. Please delete.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to Violate my Federally Protected Rights-I continue to get nothing more than Stall Tactics and Blatant Violations of my Rights. I filed 2 Subsequent Complaints ( XXXX &. XXXX ) that have not been Remedied according to FTC Identity Theft Report and Consumer Law : Equifax had 4 days from Receipt of Complaint with attached documents proving my Case. I have been Patient with Expectation from CFPB to enforce and protect my Consumer Rights..Im confused in what Protections CFPB holds according to Federal Law. This is an Official Notice to File a Federal Lawsuit-I hope CFPB will assist in Enforcing my Rights against Equifax
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXXXXXX - {$0.00XXXX XXXX XXXX XXXX XXXX - {$1400.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent Experian Consumer Services a notarized Notice of Dispute to commence the arbitration process due to failing to allow me to exercise opt-out rights per 15 United States Code 6802, 16 Code of Federal regulations 313.1, and the Privacy Act of XXXX. The letter was sent per instructions directly printed on Experian 's Terms and Conditions found on their website. I am seeking legal action in order to resolve this on going issue with Experian. The co-conspirators XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all violated my federally protected consumer rights that they acknowledge to follow according to the entities ' individual privacy policies.
Product: Student loan

I filed bankruptcy in XXXX and was told by the company not to make payments while in bankruptcy. I got an email today saying I am in default. I have not gotten any correspondence since XXXX from the company. I do see in XXXX they also sent a letter to XXXXXXXX XXXX. The original signer has passed away. I am the co-signer. Ive been paying on these for 15 years and owe more than I did when I started. I am so confused. I filed bankruptcy to be able to pay my loans on time and get them in good standings so I could establish good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}
Product: Credit card

Hello. 

I am using American Express credit card ( Amex ) for a long time. 

I should complain to Amex in this time I made the credit card payment on XX/XX/XXXX because my payment due was on XX/XX/XXXX,. 

After I paid my payment, I received an email from Amex which Amex had received the money. 

So, I knew everything was was fine. 

However, on XX/XX/XXXX, I received an email from Amex saying I had insufficient funds. So, I made the payment again right away on XXXX XXXX. 

When I check my account in Amex Today ( XXXX ) I found Amex charged {$39.00} for returning fee and received payment two times XXXX XXXX and XXXX XXXX. 
This is wrong. If I had insufficient funds in my bank account, Amex should not have sent an email on XX/XX/XXXX saying Amex received funds, or Amex should notice to me about insufficent fund before due date. If Amex notice to me about insufficent fund before due date I would pay again and I dont need to pay fee. 

However, AMEX notified me of insufficient funds a few days ( on XXXX XXXX ) after the due date and charged a fee even though I paid again immediately. 

Also, Amex received payment two times on XXXX and XXXX XXXX Why I need to pay returning fee even though I paid two times? 

This is wrong and unfair. This means Amex want to collect a fee. 

I called Amex and asked for a {$39.00} fee wave, but it was rejected. 
Also I online chat with customer center in Amex but they also rejected wave fee. ( Amex does not have customer service email ) I have been using an Amex card for a long time, and Amex behavior this time is wrong and disappointing. 

Why Amex charge to me about returing fee? Ame get payment two times. 
I strongly ask that Amex wave the {$39.00} fee charged to me. 

I think Amex 's wrong actions and fee charges are very bad, and I really want to receive a {$39.00} fee wave.
Product: Student loan

In XXXX, my Student Loan from XXXX XXXX was sold to Navient. I began making payments and inquired about a Public Loan Forgiveness program. Several times the Agent stated that after 1 year of paying with Navient, I could 'then ' apply to XXXX  XXXX and ask for a Public Loan Forgiveness . So, I paid with Navient for a full year. After a year, I called Navient amd askes if I can now transfer to XXXX  XXXX and it was like a totally different narrative. The Agent said I did NOT have to wait a year. I could have transferred to XXXX  XXXX at any time. He was sorry someone had given me bad information. I was sooo mad! I was mislead. I was given wrong info. that kept me paying Navient for a year when I could have been paying XXXX XXXX and having my payments qualify for the Public Service Forgiveness program ( 120 payments ).  I see that a lawsuit was won, and other people had been wrongfully mislead. As a 16 year XXXX XXXX XXXX, I feel I too should be acknowledged as a person who was a victim of Navient. Its fraud plain and Simple! I finally transferred my Navient account XX/XX/XXXX. I have the paperwork. My payments to Navient started over a year before, XXXX. Can your assist me in getting help for this experience? I await your response.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report. XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Product: Mortgage

Select Portfolio Servicing , Inc mailed us a mortgage statement/coupon without any mortgage information on it other than their address, our property address and loan number. There is not even an amount or a date due on the form.
Product: Credit card

Two issues. 

1 : on my rewards credit card, I was not accruing points at the amount stated in contract. Took multiple requests for resolution and they only credited a portion. 

2 : when I attempted to redeem points, I could not do so online. Customer service advised that I call in to redeem XXXX points for a {$400.00} credit. I called in and rep messed up the transaction giving me a {$200.00} credit. I was promised a response after the case was opened and no one reached out. After repeated emails, and sharing stated terms of my contract, they will not credit me the {$200.00} difference.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly showed up on my credit report tonight, leaving me confused and concerned. During my regular credit report check, I noticed discrepancies that seemed to appear out of nowhere. I even refreshed my browser multiple times, thinking it might be a technical issue, but the inquiries didnt disappear. As a result, Im requesting that the documents Ive sent be thoroughly reviewed so I can stop worrying about this.
Product: Debt collection

There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX/XXXX  XXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.
Product: Mortgage

I went to make my mortgage payment with Mr Cooper loan servicer. I could not log into website which has worked several months in a row without any issue. 

Tried to reset password and a code that was supposed to arrive in email never came. I checked spam folder, added email to safe senders list and nothing. 

Tried to call to get resolved- was on hold for an hour and no one responded. Hung up and tried again. Reached a rep who had no understanding on how to resolve issue. Said tech support would have to contact her and I still could not make my payment. 

Called again, reached someone and this rep changed my contact email to my other email account to get reset code sent to me 2nd email address and SAME problem.

Company could not get this straightened out on their end due to incompetence and lack of understanding. The issue clearly on their end as two email addresses do not send a code. But with their lack of a response it seems like they are clueless. I have no way to ever resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked Equifax to remove fraud account from credit report 4 times. Provided the police report as requested by Equifax. Was told that police report provide to them was not a police report. In a federal lawsuit filed by in 2006 by me against Equifax, it was agreed that I would inform them of any inaccuracies and fraud on their report. Other two credit bureaus have removed inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$360.00}
Product: Bank account or service

my bank asked me to agree to terms of an agreement before I could proceed with online banking tasks. the agreement contained some language that sounded way too general and unreasonable.
Product: Money transfer, virtual currency, or money service

I am filling 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 take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable 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: Credit card

i never sign up for electronic billing, my acct show up late not paid on an e mail. purchase from XXXX and XXXX XXXX are not mine
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Checking or savings account

My Sofi checking and savings account got restricted XXXX XXXX XXXX  2024. I called them immediately and they told me my account was pending closure for bad ach transfers. Which was only bad because I couldnt access my account to transfer the money from savings to my checking account to cover the bill pay.

Which whatever! Im ok with them closing my account as long as they send me a check with my balance on it. Which they said they will once the account closes. The issue Im having is I cant get a date for closure so I can get my money. Everytime I call them I get the same answer. They say once it closes they will mail me a check. Well its going on 4 months and I need my money. Its my primary banking account and Ive already gotten kicked out of 2 places because I couldnt pay my bills. Also my XXXX and cell phone bills are two months behind. My balance in my account is : {$5400.00} I am starving.