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

I paid my XX/XX/2024 payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/2024. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both XXXX and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!
Product: Student loan

When I first left college in 2005 it was really difficult to get a job in my field ( XXXX XXXXr ). I was able to get a job but the income was low and my loans were at about 80-100K. I did not have to pay for six months and then the calls started. I was simply unable to live and pay at my XXXX dollars an hour wage. Sallie Mae was my loan provider ( Now Navient ) and their offer was forbarence and they did not offer me a lower repayment plan. Few deferrments and forebarances later, I was making a little over what I had after graduation but not nearly enough to pay the 500+ per month and live and eat. Only years later, when I maxed out my forebarances and my credit score dropped to XXXX-XXXX  did they begin to offer lower repayments. By this time my account ballooned up to a whopping $ XXXX and the principal increased. Once I got a decent job I was offered interest only repayment which I paid successfully for two years. Once that plan expired they were unable to reinstate it and now I have to pay XXXX plus the Federal Loan ALSO serviced by Navient. Their claim is that I am left with XXXX XXXX dollars per month. I have XXXX savings and my costs fluctuate. I need money for incidentals car repairs and emergency situations which I simply don't have. This has caused me significant anxiety over the years that I am now on medication because of this. I don't have a wealthy family and nobody to advise me. I took them for their word not understanding or knowing available options. Ive always wanted to pay but forebarances we're all they offered until my credit score was as low as it can be and I was not able to pay. I can pay now and I want to pay now but within means and I keep receiving calls telling me they can help only to tell me they can't. Currently I am expected to pay XXXX per month which means I can't rent or own a house making me regret ever going to school in the first place and trusting Navient and Sallie Mae. The information they provide is not complete and their staff is ( not everyone ) mostly incompetent and frequently provide incorrect information resulting in many calls to get someone that can at least tell me correct information. And saying they can help is a tactic to get me to call back and tell them that I can not pay what they ask. I don't know what else to do but pay smaller amounts every month that are within my means regardless of the insane minimum payment that they trapped me into
Product: Money transfer, virtual currency, or money service

I had downloaded an app from XXXX on my iphone on XX/XX/XXXX that I saw an add for that stated its service would allow you to see what kind of person your soulmate was. Upon downloading I realized it was a horoscope app that was confusing and difficult to navigate. I spent about 3 minutes in app and that's it. I forgot to delete the app and was charged {$29.00} on XX/XX/XXXX. Yes I am to blame for not deleting the app, but I also did not have a card on file that could be charged. XXXX proceeded to charge it to a card I had cancelled when I reported it lost/stolen on XX/XX/XXXX to cash app. It is a cash app card. I first filed a dispute with XXXX that was denied. I asked for a review which was also denied. I then contacted cash app wich has denied my dispute 3 times in app. I filed a complaint with the XXXX I was then contacted by XXXX from Cash app executive relations team who informed me that they reviewed my dispute again and again found no errors with the charge. They stated that a merchant can force a transaction through to my account regardless if I lock my card or report my card lost or stolen. Since I filed the report against cash app they have made it nearly impossible to use my cash card for purchases, blocking transactions due to claims that it is blocked due to unusual activity. These blocked charges have been made to the merchants multiple times in the past from my account so to say they are really blocking the charges in my best interest is ridiculous. Also my mom sent me a {$20.00} payment which they help for hours before making it available to me, which is never the case prior to this. Transactions that are seen in my history are available as soon as they post, but not since the complaint was filed. I then contacted XXXX again, this time text to a live agent and they said they tried to issue a refund but I highly doubt that. It was unable to be processed. I'm not sure why this particular charge is sticking. Every other time I had a charge go through that I didn't intend on making I have been issued a refund without a problem. This time even though the card was invalid they are not willing to give me my money back. I feel that based on the circumstances of the card that was charged was reported lost or stolen 4months prior to me downloading this app, it should not be a valid transaction and I should get my money back
Product: Credit reporting or other personal consumer reports

I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, Experian, XXXX and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
Product: Credit card or prepaid card

The company customer support representative told me XXXX XXXX residents can not apply to their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include XXXX, XXXX   and Experian. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place on XX/XX/2019at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX  (XXXX sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Product: Mortgage

This is with BMO Harris bank. 

I have a HELOC loan with BMO Harris and have made 0 withdrawals. Last week I received my statement from BMO and it said their was a {$34000.00} withdrawal. This is a fraudulent transaction. 

I reported the problem to BMO ( Initially only telephonically and subsequently via email ) and mentioned that I am closing on my house shortly and I would expect a zero balance. 

To date, I can not get any substantive information from BMO and I am constantly shuffled between departments who say that they can not share any information with me. This is extremely frustrating since in these calls, BMO acknowledge themselves that the transaction is fraudulent. 

I have no idea when this will be resolved and how it will effect my closing. I have no formal communication from BMO regarding this issue and I want to make sure my other accounts are not vulnerable. Really bad service in my book.
Product: Vehicle loan or lease

Santander Lawsuit for faulty loans! They need to be prosecuted and pay up for all the credit damage and loan that still hasn't been paid off!!
Product: Credit reporting or other personal consumer reports

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. Inquiry was not authorized XXXX XXXX  Date of InquiryXXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Date opened : XX/XX/year> Please remove it from my credit report. 

5. The following account is not mine XXXX Date opened : XX/XX/year> Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

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 redres for these violations.
Product: Checking or savings account

Every month, I make a payment to my landlord through XXXX using my XXXX XXXX account. On XXXX/XXXX/XXXX, I made a payment to the same registered email ID that I have used in the past. However, my landlord claims that he did not receive the funds, and he showed me a statement to support his claim. I contacted my bank, and after conducting research, they confirmed that the funds were credited to an account ending in XXXX, which does not belong to my landlord, XXXX XXXX XXXX. My landlord 's account number ends in XXXX, and the registered email ID for XXXX is XXXX, which I have been using for the past XXXX years without any changes. I believe that Chase Bank, where my landlord has an account, should investigate the matter and credit the funds properly to my landlord 's account. The confusion seems to be with Chase Bank, and they should rectify the situation and refund the money to XXXX XXXX. I am attaching some photos, a letter, and a screenshot as proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

Equifax, XXXX and XXXX response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family. 

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote Equifax, XXXX and XXXX  to get these inquires removed and they are refusing to help. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem with all companies including XXXX major reporting Bureaus XXXX, TransUnion, and XXXX with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XXXX I am demanding these accounts be deleted from my report.
Product: Money transfer, virtual currency, or money service

At approximately XXXX pm on XX/XX/2022 I was sent a text message from US bank stating I had someone try to send XXXX payment to XXXX XXXX. I replied NO that I didnt and was immediately contacted by US bank fraud department.I was told that my account was in jeopardy of being closed. The person verified my account and social security number. I was then told to transferred XXXX via XXXX over to what I thought was my account. After I transferred the funds, I hung up to call US bank and was told there was no such thing and that I was scammed by the person. US bank is now saying that I am unable to get my funds back.
Product: Credit reporting or other personal consumer reports

After investigation was completed by TransUnion back on XX/XX/year>, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. TransUnion continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

XXXX XXXX Account # XXXX Account Balance : {$3100.00} XXXX XXXX XXXX Account # XXXX Account Balance : {$3700.00} XXXX XXXX XXXX Account # XXXX Account Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Balance XXXX XXXX Unknown I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?
Product: Credit card or prepaid card

I had a Citi ThankYou Preferred Card, and I had not been using the card for a very long time. There was an unauthorized charge posted on my account on XX/XX/XXXX for {$14.00}. Since I was out of country at that time, I didn't receive the bill and was not aware of the charge at all ( since I did not use that card for years ). So after three  months and two unpaid bills ( the {$14.00} was the only charge on these bills besides interests and fees ), the bank closed my credit card account. At the same time they closed my ThankYou reward account associated with the credit card and forfeited over 120,000 reward points accumulated during the last ten years. After I come back home in XX/XX/XXXX, I noticed this issue and immediately contacted Citibank and the ThankYou reward program. I told them that the charge was made in error, I should not have any bill and my credit card should not be closed. I was told that the reward points would be recovered once my credit card was reactivated, and the credit card could be reactivated if the bill was paid. So I paid the bill in full immediately, filed the dispute with unauthorized charge, and ask for reactivating my credit card. The dispute was resolved in my favor on XX/XX/XXXX, however, my credit card has not been reactivated till now. I contacted Citibank several times and each time they simply asked me to submit an application for reactivation, and then declined my application because there was an unpaid bill. It is very ridiculous because the only unpaid bill was the {$14.00} charge, which has already been disputed. Now I my over {$120000.00} reward points are still taken away. I have been a Citibank credit card customer for more than 10 years and never had any problem before. I just dont understand why I was punished for something which is not my fault. I felt that I was treated unfairly probably because I am not a XXXX XXXX and I could not speak XXXX fluently? I just want to get my reward points back. Please help me with that. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX
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 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : Original Creditor # XXXX Account name : XXXX XXXX XXXX # XXXX 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.

15 U.S. Code 1666 - Correction of billing errors A creditor may not treat a payment on a credit card account under an open end consumer card plan as late for any purpose.
Product: Credit card

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : XXXX XXXX XXXX XXXXXXXX I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Sincerely XXXX XXXX