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

I have reviewed my Consumer Credit Reports and noticed inaccurate account ( s ) listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Private Account Number This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, investigate and 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 the accounts listed above and have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquiries as reported. I am attaching a copy of my FTC Identity Theft Criminal Complaint # ( private ) 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. This is a violation of the Fair Credit Reporting Act and these disputed items may not appear on my credit report if it can not be supported by any evidence or proof. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I used the quick pay by XXXX using the Chase Mobile application, to send XXXX $ to my wife 's XXXX  XXXX XXXX account in order to pay for the mortgage ( this has been done every two weeks for 2-3 years ). On XX/XX/2019, XXXX XXXX XXXX indicated that the quick pay 'Failed '. We received a successful confirmation on Chase 's end but a failed confirmation on XXXX  XXXX XXXXXXXX XXXX side. You would believe that since the payment failed to be received by XXXX XXXX XXXX, the money would be refunded by Chase, this is not the case. After multiple calls and a claim being opened by Chase, I've been told they should of received a payment failed but they did no, instead the money has left my Chase account and is currently in 'Limbo ' status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following issues are still issues pending from complaint XXXX I received a delinquent mark on my credit report. The payment history and letter attached indicate " Pays as Agreed '' with zero payments paid over 30 days past due. Also, the record provided shows no late payments. Please have them correct the delinquent report. 





The following was indicated on my credit report : Account Number : XXXX Creditor 's Name XXXX XXXX XXXX  Type Of Industry : Auto Financing Address : XXXX XXXX XXXX, XXXX XXXX MN  XXXX City : XXXX XXXX : XXXX XXXX XXXX MN Amount Delinquent : XXXX Payment Status : Late 90 Days Also, Clause 12, Official Fee and Taxes, only indicates that Lesse is responsible for making all payments on the lease, including any government levies, which I did. Although I made all such payments to NJ as the " government. '' The insurance sales tax entitled to me from the insurance settlement is not to be paid to XXXX the Lessor. I am entitled to the XXXX tax payment indicated on the Letter of Guarantyship.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX my purse was stolen and i filed a dispute after almodt all of my unemployment was stolen at XXXX now my account has been locled at XXXX for the las 7 months
Product: Debt collection

PayPal inc, sending me to collections for a debt that isn't mine for {$450.00}. i was sent a payment of XXXX then the person said it was a fraudulent charge and PayPal gave them the money back and suck me with the debt and it was a legal transaction for the {$500.00} that money was sent to a friend of mine for his music career, for recording fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$550.00}
Product: Debt collection

On XX/XX/XXXX, I received a Notice from the US Department of Treasury that a debt collector has filed an action to garnish my monthly Social Security payments ( {$500.00} monthly ) for debts they say that I owe. I attempted to contact the firm doing this, shown on the Notice as Educational Credit Management Corp., of XXXX XXXX, MN. Calling them, a recorded message directed me to another firm, a collection agency called Premier Credit, of XXXX, IN. Calling them ( XX/XX/XXXX ), I went from a XXXX, to an XXXX, to an XXXX, to a XXXX. XXXX began by telling me my debt originated with XXXX XXXX ( a notoriously bad acting firm ) & totaled {$220000.00}. I gasped at the amount & then found out that it was an education loan. I DID take out Parent Plus loans years ago to allow my XXXX sons to get through college. But I dont recall any of them being that high. 
I explained to XXXX that my XXXX sons DID go through college on a number of my Parent Plus loans originated by their XXXX colleges & funded by a number of banks & financial institutions. However, NEITHER of them are working now, & one lives at home with me where I support him. One is a Special Needs child with related medical bills not covered by insurance. I furthermore told him that my finances are beyond tight ; they are dire. Garnishing my Social Security would be disastrous ( I am XXXX years old, & also looking for work, but as many might understand, it is difficult to find employment or income at that age ), as savings are XXXX, & I only get a small pension from past employment. 
XXXX effectively ignored this, & said the law allows them to collect money for XXXX by garnishing Social Security payments. He then tried to get me to consolidate these XXXX XXXX loans with other education-indebtedness on the XXXX system. The latter includes loans from other lenders that I could not identify. I noted that the subject loan, this XXXX XXXX loan, was shown there at {$170000.00}, not {$220000.00}, which he tried to explain as beingfees & costs. I had some terrible experiences in trying to repay a number of these other loans in XXXX, those originating parties being US Department of Education & XXXX & others. The US DofE did garnish my Social Security in XXXX, causing disastrous hardships to me, including near bankruptcy & loss of home. They then abruptly stopped ( XXXX, I believe ), & even REFUNDED a months garnishment. 
All of this had no impact on XXXX, as he returned to the threat that they ( Premier ) can garnish & hes powerless to stop this. He said it will start with the XXXX SS payment. 

Thank you, CFPB, for reading this far. I never thought Id be confronted with these dire & disastrous actions again. But here they are, & initiated by one of the truly villainous repeat offenders of financial-service mischief & wrongdoing, the rich, huge monster called XXXX XXXX & their collection agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2800.00}.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts { LIST ACCOUNTS HERE } pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I printed my credit report called XXXX XXXX  on XX/XX/XXXX. I spoke to XXXX at the Consumer Financial Protection Bureau on XX/XX/XXXX. Last year when the Credit Breach happened to Equifax I became a member of XXXX XXXX. Between XXXX XXXX and XXXX XXXX they show my credit history is 6 years in the making. I have a XXXX XXXX Account that reports to all 3 Bureaus Equifax, XXXX, and XXXX every month. I have had this account since XX/XX/XXXX. That's 7 years and 10 months. I have a XXXX XXXX Account since XX/XX/XXXX. That's 16 years and 2 months. I also have had a XXXX XXXX Account since XX/XX/XXXX. That's 12 years and 2 months. I have XXXX XXXX  and their credit Monitoring shows my 16 years of perfect credit. Never late, never missed a payment, never paid one cent of interest. I printed out the credit XXXX XXXX and XXXX XXXX from Equifax and XXXX XXXX only give me credit for 6 years even though these companies report monthly and they are on the XXXX XXXX. All I'm asking is to give me the years ive spent creating a wonderful history for myself. Please fix this. I'm waiting for the letter from you so I can send copies. Thank you for your time. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX
Product: Student loan

I have called on XXXX occasions to check in on my request that I submitted to change my XXXX plan to a XXXX plan. This request was submitted in late XXXX. After the XXXX weeks it should have taken had passed, I called and they said they were raising issue since it should have been completed. Since then I have called and called and nothing has been updated resulting in a higher interest rate and higher payments required by Nelnet.
Product: Student loan

I have applied for a student loan income based repayment plan 3 times with Navient from XXXX - XXXX 2016. Each time, I sent the appropriate completed forms and copied pay stubs so they would have all information. After the XXXX time and the XXXX time, they said they never received anything. After the XXXX, I 've had no response at all. I ca n't get anyone on the phone. They respond to emails with generalized statements not related to questions. They never respond to mail. Meanwhile, my student loans are practically in default and I 'm at risk of having pay garnished, which would be financially devastating to me. This company is terrible.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a 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 an purpose.
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 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: Checking or savings account

On XX/XX/year>, My XXXX XXXX checking account had funds removed from her account for a tax account of mine. In talking to the bank and the XXXX  attorney general, it was noted that M $ & T bank could have released the funds as they POA on the account, and they can see the money deposited is all my mom 's money from retirement and social security savings. M & T Bank is claiming the working on POA is questionable, and they didn't honor it. I have been to the bank twice to speak with them about no money in the account is mines and her POA is due to her being elderly. and all her funds are hers, and i don't bank with her account. M & T has been unhelpful, and the XXXX XXXXtate attorney general has said they could release her funds due to their being able to verify all her income with direct deposit.
Product: Credit card or prepaid card

This is a new account and it has turned into a nightmare and nothing but a burden due to lack of proper help when I call numerous times... 
I did 3 cash advances and they turned off my card and my online access to my account whereas Now I can not even pay my card off as I want to. 
I have called numerous times and have been on hold for over an hour each time. 
They said I would have to go into the bank in person to resolve the matter to prove my identity.. I have answered all the identity questions that prove my identity only to be told my account can not be unlocked unless I go into a Bank of America bank.. ( in person ). 
I then told them to just close my account and send me a final bill and they will not even do that.. so I am demanding my account be closed at my request and submit me a final bill so I can pay this account off in full... I do not want this account due to the fact Noone is able to simply help me over the phone. It's ridiculous for me to drive over 2 hours out of my way to a physical bank.. I opened this account online... they mailed me my card to my po box and they mailed me my pin number so I could use my card to withdraw cash if I wanted to ... .and now they expect me to go into a bank when I used my card as I have the right to ... and if a po box and pin are not secure enough then I don't want to do any kind of business what so ever with an incompetent business such as bank fo america ..they are nothing but a burden and I don't need this credit card since I get way better  service from my other credit cards providers such as XXXX XXXX and XXXX  XXXX  ... Never in my life have I had such a negative experience Please help me close my account and get a final bill Thank You
Product: Checking or savings account

Using the Simple Mobile App Mobile Check Deposit feature today I deposited an insurance check from XXXX which was overnighted to me from the Office of the CEO. 

XXXX XXXX wrongfully rejected this check without any explanation as to why. I followed all of the proper procedures in depositing this check by taking clear front and back photos with all four corners visible. I endorced the check as instructed by signing it, writing my account number and noting " For mobile deposit only, Simple ''. Now I am unable to cash this check since I wrote " Void '' also as instructed on the front after making the mobile deposit. This will cause my rent to be paid late and incur additional charges while I request and wait for a new check to be issued. This I believe to be in tree retaliation to my complaint made yesterday regarding there handling of a dispute.
Product: Debt collection

I was just notified by my credit monitoring service that a new collection account was added to my credit files. I have never received any communication from this company notifying me of any alleged debt. This behavior is a clear violation of both the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. I have since submitted a certified letter requesting debt validation.
Product: Student loan

Waiting on pslf application to be processed with Mohela. Submitted on XX/XX/23
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/2023XX/XX/year> XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXXs XXXX XXXX2023 XXXX XXXX XXXX  XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX