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

I recently checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to delete all negative items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all these information not later than 4 business days. Ive already included this in my previous complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX  XXXX Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$1200.00}, XXXX  XXXX Balance : {$2800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$34000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$250.00}, XXXX XXXX Balance : {$580.00}, XXXX Balance : {$8900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During my XXXX month with Discover, I was out of the country on a vacation. I wasn't aware of the minimum payment due. However, I was planning to clear the entire due once I'm back in the country. But, before I cleared, apparently I crossed the deadline for the minimum payment due, which was {$15.00}. I cleared my entire due at once which was ~ {$600.00}. I genuinely would've paid the minimum due, had I known it was mandatory. 

Because of that small mistake, my credit card account was closed, I kept getting rejects for other applications, which I believe, surely had a very bad impact on my credit history. 

They say my account was closed as they couldn't verify my personal information. I'm not sure what that is. 

I hope this problem could be resolved and I could apply for a new credit card. I already have a credit card which I opened as a student. The limit id {$650.00}. I can't pay my rent with it since it's more than my limit. It's becoming tough for me to maintain a good credit score. 

Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me  XXXX  out and my hippa has become worse because of the  XXXX , I need these removed .Thanks
Product: Money transfer, virtual currency, or money service

XXXX XXXX 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 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: Student loan

XXXX XXXX is not responding to my inquiries regarding Public Service Loan Forgiveness. I have twice submitted documentation regarding my public service employment via upload on their website. I waited for several months to hear something, requested a response, and was told I needed to wait some more. Meanwhile, qualifying payments are not being credited to my account, delaying my ultimate loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX  XX/XX/XXXX {$5500.00} DEPTEDXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}
Product: Money transfer, virtual currency, or money service

XX/XX/2022 my phone number was not working tried to recover it at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX representative stated the phone number was transferred to another person with another cell phone company which I did not authorize. XXXX representative and I called the phone company holding my phone number they stated unable to release my number back since the number is protected by whoever has this number. The next day I realized a notification email from 2 different bank wire transfers, XXXX transfers, and XXXX XXXX XXXX. the total amount of {$26000.00} was stolen from my account. 
I was able to get a refund from XXXX XXXX for {$5000.00} but Well Fargo bank did not accept my claim even escalated 3 times. I already made a police report and an FTC report.
Product: Payday loan, title loan, or personal loan

Contacted online support to request an Extended Payment Plan. When approved for payment plan, agent representative failed to disclose that payment had already been sent for processing ( a day before due date ). Agent and company approved my payment plan & I signed documents, for first payment due on XX/XX/XXXX. However on morning of XX/XX/XXXX, full payment amount was taken out. I contacted the company and they apologized for the inconvenience but said that there was nothing they could do. I immediately contacted my financial institution and requested an unauthorized charge claim.
Product: Money transfer, virtual currency, or money service

This complaint is against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices. Which violate the CFPA. They failed to take security measures and left my account vulnerable and unprotected. They did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations they have committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this  period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX  touts XXXX XXXX Secured VISA card as a tool to improve credit. 

XXXX, I have had the {$200.00} XXXX XXXX ( Secured ) card  since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX  XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This CFPB complaint has been submitted to request, in accordance with FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ), that you, the Experian credit reporting agency, block information on my consumer credit report that stems from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account XXXX : XXXX bal. {$17000.00}. XXXX XXXX, Account XXXX : XXXX bal. {$390.00}. Receivable management bal. {$310.00} Account number XXXX These accounts have led to numerous hard inquiries and fraudulent collections on my XXXX credit report. I am providing a list of the fraudulent accounts you are maintaining that appear on my report. I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA XXXX XXXX, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that XXXX, Equifax, XXXX will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX # XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an offer that included a {$100.00} credit after my 1st purchase and I never received the credit. I contacted the company in beginning of XX/XX/XXXX, provided a screen shot of the offer and I was told that they would investigate and get back to me, its now XX/XX/XXXX and I have still not heard back from AMEX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : DEPTEDNXXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I  requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.
Product: Debt collection

I'm not sure if I'm doing this right. I asked if I can do lower payments. I have 2 accounts with them I need to pay off. They won't go lower. I'm struggling financially and I know it's no excuse but it's hard to pay back when I'm trying to get by. They keep calling. Thanks.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXE Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting

Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Transunion to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Transunion with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, PA and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.
Product: Credit card or prepaid card

then called American Express for a chargeback since I did not get my television. The representative took notes and opened a dispute. Yesterday XX/XX/2020 I received a letter from American Express stating that I was going to be rebilled for the charge, even though I dont have the item. American Express claimed that the merchandise was picked up and that theres a proper disclosure of all sales final. This is absolutely ridiculous because I NEVER received the item and I wasnt supposed to pick up the item it was supposed to be delivered to my residence. On the second page of the letter which is titled chargeback rebuttal info, it states that the customer ( me ) bought a tv and claimed it was broken. That is a LIE! I never received the item so how can I possibly claim its broken? I have been amember with American Express for four years and had no issue until now. This is really stressing my out because Im being charged for an item I never received and I have to pay during a time Im not working and theres a pandemic. This is very very unprofessional and disrespectful towards a very loyal customer that I have been for four years. Furthermore, American Express has changed their dispute resolution FOUR times and every time I call I get told a different date. First it was XX/XX/XXXX, then XX/XX/XXXX and finally XX/XX/2020. I called XX/XX/2020 and was told by the customer service rep XXXX that the dispute should be resolved by XX/XX/2020. I called on XX/XX/2020 and was told now that the resolution is expected by XX/XX/XXXX. How many times is American Express going to keep playing this childish games? They are doing all their effort to give the merchant the benefit of the doubt and giving them all the time in the world BUT were so quick to close the dispute against me with false XXXX. Also, on this call on XX/XX/2020 I requested to speak to a supervisor and was told that one would call be back in 24 hours. Its XX/XX/XXXX and havent received a call. American Express is an absolute disgrace and their disrespectful behavior towards a good standing customer is atrocious and unprofessional
Product: Student loan

My student loans ( XXXX XXXX XXXX XXXX ) from XXXX and XXXX XXXX were serviced by XXXX. For years I had issues being able to get into a payment plan that worked with my situation. I was always told to enter forbarence FOR YEARS. This occurred for years before the pandemic and my loans were eventually moved to aidevantage. My loans, due to XXXX  telling me to enter forbarence, have now accrued so much interest and now trying to pay back my loans is impossible and my payments for an IDR plan are ridiculous. I need to be in an IDR plan to qualify for my PSLF. So because of XXXX  my loans have accrued so much interest, its delayed my PSLF ( which XXXX knew I qualified for ), and now my IDR payments are not affordable due to the balance of the loan. This has caused financial turmoil for my family, affected our debt to income ratio, gave us trouble years ago buying our first home, and leaving me and my family struggling.if XXXX  would have offered me a IDR plan ( then never offers it ) my loans would have already been forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove address, inquiries and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or information not later than 4 business days. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATIONXXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATIONXXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.