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

XXXX, XXXX and Equafax where n't given permission by me a man XXXX XXXX nor by my person XXXX XXXX to report my employer employment period so why are they doing it this is unlawful that you XXXX continues to report incorrect information for there banking friends XXXX XXXXXXXX XXXX XXXX although they XXXX XXXX never produced a PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature neither was XXXX given my permission nor do we hold a contract. Do you know once you reporting in fraud without permission that's also identify theft.
Product: Vehicle loan or lease

the dates XX/XX/XXXX thru XX/XX/XXXX amounts up to 3000 in interest and extra fees i reached out to the bank of ozarks in regards to a late payment and extra fees. ( there is a time period for payments to be made in a month ) i spoke with the manager and they said for one time they can forgive/waive the late payment. ok i made a payment within the next time period. i get a notice saying i had a past due amount. i call the bank and asked them about the past due amount. they acknowledged an error and said everything would be corrected. 
i then get a 60 day past due notice. with fees and extra interest fees. this was around XX/XX/XXXX. i requested to speak with a manager again and explain the mixup and problem. we also discussed the problem it would cause my credit. they assured me it would be corrected. 
i told the bank i was disappointed with the bad service and accounting errors. i expressed to them that i would like my account to be reviewed, frozen, etc. 
i have tried to communicate with this company many times but the service is bad and their communication is worse. 
i think the company need to get their license revoked. this was by far the worst bank i have done business with.
Product: Debt collection

I have received what I believe is a fraud - phishing letter in the US Mail, impersonating American Coradius International LLC. 

The letter states that I owe XXXX {$8.00} and that they are a collection agency that I now ow {$45.00}. 

I do have a XXXX account, but I do not owe any money and my account is in good standing. 

XXXX
Product: Debt collection

I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) EXTRA credit card opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX XXXX ) XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  Self Lender opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) Self XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX  self lender opened XXXX XXXX ) XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX  XXXX XXXX opened XXXX XX/XX/XXXX XXXX ) XXXX  XXXX  opened on XX/XX/XXXX XXXX ) XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with capital 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 me 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 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 - 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: Student loan

I spoke with someone from you company on XX/XX/XXXX. That advised me to submit a formal complaint with my documentation. In XXXX I faxed my IBR loan papers to Navient. I kept the copy of the fax and the transmittal receipt. Well I knew I wasn't barely working and wouldn't have payments for the year. So in XXXX I mailed by new paperwork in. Well I called Navient bc I had been locked out of my online account for a long time. The girl I spoke with help me reset my account. Well when I got into my account it said I had like 8 missed payments. So I called back and the girl I spoke with tried to tell me the fax number I had used to fax my documents in XXXX wasn't even a fax number for Navient. I told her to XXXX the number and of course it showed up on the Navient page. I had faxed the papers to the private loan department by mistake. I let the girl know I had the documentation and she said it was my mistake and my credit would be ruined. She told me that forbearance was my only option. I offered to send the paperwork in and everything proving I sent the fax. I spoke with another girl and she basically told me the exact same thing. So then I contacted the Department of Education and started a formal complaint. I sent them the documentation. Well they have to first send this information over to an advocate at Navient. So I was assigned XXXX XXXX. She seemed like she was going to be helpful. The first time we spoke she explained the documents like that get faxed to the wrong department all the time. She just needed to locate the document. So the next time I spoke with her the story completely changed. She said that for security purposes the private loan department of Navient had to shred my document and that they would have no way of knowing I even had a loan with Navient. So then I called the Dept of Edu back and asked if they could request for my calls to be pulled with Navient because everyone had lied and told me conflicting information. I was advised that I was the only person that could request the phone calls. So on XX/XX/XXXX I called and spoke with XXXX from Navient. I have her employee ID but I do not want to share it. I let her know I wanted the recordings because of everything. She put me hold and finally got back on the phone with me and said that I could get the recordings but that only XXXX could release the recordings and she would sent the request to her. Well I waited about a week and then emailed XXXX. She didnt respond the first email. Then about a week later I emailed her again and she was saying they were trying to help me. Finally a few days ago I received an email saying that they have no proof of my IBR application from XXXX and could not release the calls because they are used for quality and training purposes. So now this is being escalated through the Department of Education. I sent these documents, have the proof, and now Navient is trying to ruin my credit and put me forbearance like everyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint about an account with we financial reporting on my credit report. I sent a letter to original creditor and agency. When sending letter to original creditor I received letter saying account would be deleted. ( Ive attached letter from original creditor and uploaded it on Experian a website. A few days later I checked back and notice that Experian still verified account. Which made me wonder how accurate the investigation is online. It appears that equifax has already deleted this account please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported in my personal credit file. The Experian and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : FIFTH THIRD Date of inquiry XX/XX/2021
Product: Debt collection

I recently attempted to contact credit card companies that I owed when my mom went through XXXX. I contacted XXXX and asked for a bill amount I was notified the debt was sold no amount was discussed. I then proceeded to call back to ga to see if any mail went to my old address and to my surprise the third party company has been having lawyers send mail to obtain them because Im being sued by XXXX when I know thats a lie because I have documents to say they sold the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Equifax. Equifax responded by deleting 3 of the 4 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.
Product: Money transfer, virtual currency, or money service

First box 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

My account was closed/frozen for no reason at all, I have over XXXX held in my Citi account XXXX Citi bank are not giving any reason why my money is being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the Department of Education and XXXX my loans were sent to Modela my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 XXXX XXXXXXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..
Product: Credit card or prepaid card

On XX/XX/2022, a customer representative from JetBlue Credit Card XXXX XXXX Barclays ) called to ask me if I had made seven purchases of a portable stereo CD player from XXXX. I stated no so the rep. said not to worry because the fraudulent transactions would be reversed and I would not be charged. I received a letter from Barclays dated XX/XX/2022 that stated I am not responsible for the fraudulent activity. I later received letters from Barclays dated XX/XX/2022 and XX/XX/2022 stating that I am now responsible for the charges of {$1300.00}. I disputed the outcome and still have not been credited for the fraudulent purchases. 

I spoke to a representative that stated the tracking number associated with the seven portable stereos shows delivery to my address. I later went directly to the post office to get details on the usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This tracking number does show delivery to my address, however, the weight of the package was only XXXX ounces and postage was {$3.00}. Obviously, the weight and cost does not equate to shipping one portable stereo let alone seven. I do recall receiving an empty envelope with no return address and a delivery confirmation number in early XXXX. I thought the empty letter was odd but did not keep it since there was nothing suspicious going on at that time. This is shown in the submitted documentation along with the police report that I filed. 

For some reason, Barclays is still insisting that the tracking number is proof of my receiving the seven portable stereos. I asked a customer service rep. from Barclays to let me speak to a manager and was told none are available and that I would receive a call within a couple of days. It's been several weeks since that call and I still have not heard from a manager at Barclays while I keep getting credit card statements showing interest and penalties accruing on the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax for months now about this issue. First, it took them 4 months to investigate to start, and that didn't even happen until I filde my dispute through the CFPB. You guys have already stolen or should i say " lost '' my 2 forms of identification that I sent you earlier this year so to say the least this whole experience has been horrible. Yesterday i received a response to my complaint from Equifax and it read as follows ; Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CHARGE OFF AMOUNT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX, XXXX. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you XXXX visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 


Majority of the items listed in their response have not been updated like they sayed and I will attach proof. I am sick of going back and forth trying to get these people to simply do their jobs and follow the laws in place, not just put anything on consumers credit reports.
Product: Debt collection

Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. Resurgent Capital Services still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but Resurgent Capital Services will not work with me on a fair % for a debt on an account I never used or opened up. 
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from XXXX XXXX and misc. companies. 
e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount Resurgent tried to demand me to pay. There seems to be no working with Resurgent Capital Services for a fraudulently opened account for removal on a fair amount.

g ) XXXX XXXX can not provide me with the original contract between the original creditor and me that I did not fill out or ask for. 
h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again. 
i ) Two certified pay in full letters Resurgent Capital and one to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter XXXX XXXX this letter said nothing and was incredibly stupid regarding nothing about the account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CITICARDS CBNA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CITICARDS CBNA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

I had an XXXX XXXXXXXX XXXX Account with USBank. I wanted to close this account, so I called the XXXX, OH Branch and asked how I can do this. The Branch person told me I can come in person to close it or transfer the money out of the account and close it over phone with the customer support. I asked about the interest for the current duration and the Branch person said that would be calculated and sent as a cashiers check. I called the Customer service number and closed the account and they also assured me that the interest would be mailed as a XXXX XXXX  on or after XX/XX/2024. I also spoke with a customer service person XXXX XXXX, after a couple weeks and she confirmed the same and sent me the bank statements through email. I called on XX/XX/2024 to the branch and the Branch Person XXXX told me that the account was only closed on XX/XX/2024 and it should take XXXX more weeks to get the interest and asked me call the customer service number to find out when it will be sent. I called the customer service number and the lady said the interest is about XXXX XXXX and that it would be mailed in XXXX weeks, then she said, looks like the interest is forfeited. And then she says that from what she can tell, that is the policy on closed accounts. I called the branch again and XXXX was surprised by it and he said he will have his XXXX XXXX call me. XXXX was blunt and said she can not do anything about this. I am still trying to figure this out with US Bank and the Branch,