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

Greetings, this is my follow-up request to assist me to dispute these remaining 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 from company 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 XXXX XXXX XXXX XXXX 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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am writing in regards to a company by the name ASCENDIUM who has been harassing me about monies they say I owe to them. I have never agree to a contract with them. They have stated that I owe them XXXX, XXXX. I have sinced asked them to send me a copy of the contract with their letter head that I signed an agreement with them. Of course they sent me a something with XXXX LETTER head. XXXX stated that the amount owed to them is XXXX. But ASCENDIUM stated the amount owed is XXXX more than navient has stated owed. Again I have never agreed with or signed a contract with ascendium. I don't understand how they can fudge XXXX extra. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

My wife purchased flights for a planned trip but booked the wrong flight ( XXXX ). Before 24hrs, she called to cancel the flight. They told her it was non-refundable but eventually they agreed to refund and said they had 12 months to refund the money. She received confirmation via email. I then contacted Citi Bank to open a dispute because its not right for us to pay interest for 12 months on a error caught within 24hrs. They reversed the charges then later they replied that the merchant said its a non refundable flight. I then had to open 11 individual disputes again ( Not sure why it was charged that way if we made 1 payment ) and submitted a copy of the email from the XXXX agents saying it was canceled and that they have until 12 months to refund the payment. A few days later, I received another message from Citi saying that they responded with the same thing. Its a non refundable flight but I provided them a copy of the email received. This is unjust to me as a consumer and I expect them to protect me as a customer. Especially when I provided proof. I've tried to talk to someone on the phone and nothing happens. It seems its all automated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

My name is XXXX XXXX, I called in to file a dispute regarding some cash app transactions that I noticed occurred in my acc on XX/XX/XXXX till XX/XX/year> by the merchant name XXXX XXXX and XXXX XXXX which I never authorized and for the record I never had cash app. 

I noticed I havent seen my card for a long time but I was thinking it was around my house so I didnt pay much attention and was using my virtual card more often for any online transaction ever since and my credit builder card. Hence I havent had time to check my account activities in details and when I did I realized someone was using my card for transactions I didnt authorize mostly through cash app of a total amount of about {$2900.00}. XXXX I also informed the customer care agent I spoke with that I Think someone was in my Acc because I received a link into my email sometime ago which I later realized was a spam link which could give anyone access to my account without my consent after I was informed and enlightened about the link by XXXX customer care when I had similar experience with my chase account of which I also filed a dispute with regarding unauthorized transactions on my chase account that has been processed and successfully resolved and my money returned. 

Furthermore, I filed a dispute with chime earlier regarding this issue which was denied claim I.D ( XXXX ). Then I had to file again towards disputing these unauthorized transactions on my chime account with the claim I.D ( XXXX ) Im hoping this dispute will be resolved amicably and my money returned thank you
Product: Credit card

I've always ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX. 
I am requesting proof these accounts belong to me. As it is part of your investigation. violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. provide proof of any verified information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory remark on my credit from Bank of America, which states that I have a delinquent account with them even though the account was paid in full as of XX/XX/2019.
Product: Credit card

I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX CO was never late! I have had exceptional payment history witH XXXX 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 my 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 in those account 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames. 

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.
Product: Checking or savings account

As the designated representative of XXXX XXXX, I must urgently address the unwarranted and ongoing restriction on our Chase bank account, effective since XX/XX/XXXX. This issue, stemming from a dispute between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, is unrelated to our firm 's direct operations yet has regrettably ensnared XXXX XXXX, causing considerable operational and financial strain. 

Background : XXXX. Our client, XXXX XXXX XXXX, engaged with XXXXXXXX XXXX  for the purchase of two vehicles : one valued at {$55000.00} ( purchased on XX/XX/2023 ) and another at {$33000.00} ( purchased on XX/XX/2023 ). He issued checks for these transactions, which were processed through a partner dealership. 

2. Simultaneously, XXXX XXXX fell victim to identity theft. This criminal activity involved fraudulent credit applications in his name and a deceitful identity theft report falsely declaring all his credit activities, including valid loans, as fraudulent. 

3. This nefarious act resulted in the removal of the {$55000.00} loan from XXXX XXXX credit report, while the {$33000.00} loan is still documented on his credit report. 

Legal Position : - In line with the Uniform Commercial Code ( UCC ) 3-305, XXXX XXXX, as a holder in due course, is legally entitled to enforce payment despite certain defenses. The legitimacy of the transactions with XXXX XXXX fortifies our legal standing. 

- Additionally, according to the Fair Credit Reporting Act ( FCRA ), the wrongful exclusion of XXXX XXXX legitimate {$55000.00} loan from his credit report infringes upon his rights, indirectly affecting our company. Furthermore, this unwarranted freezing of our funds by Chase contravenes our rights under the UCC and possibly the Electronic Fund Transfer Act ( EFTA ). 

Attached Documentation : 1. A detailed police report on the identity theft incident suffered by XXXX XXXX. 
2. A formal statement by XXXX XXXX presented to XXXX XXXX, confirming the legitimate nature of the funds applied for by him. 
3. A copy of XXXX XXXX 's latest credit report showing XXXX XXXX XXXX loan of XXXX reflective.
Product: Credit reporting or other personal consumer reports

Before my TD Bank / Target was XXXX  days passed due, I entered into a payment arrangement with Target. In the arrangement, the details clearly outline that my XXXX  payment under the arrangement is not due until XX/XX/XXXX in the amount of {$80.00}. 

TD Bank / Target in accurately is reporting to XXXX, XXXX, and XXXX that my account is XXXX  days past due. 

I provided proof of the agreement to XXXX, XXXX, and XXXX and this inaccuracy is still reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Equifax to have this account validated. I have had several invalid addresses, phone numbers, inquiries and accounts show up across various credit reports. Yet Equifax keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX/XXXX using the number provided by Equifax 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Equifax for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report. They are hurting my ability to obtain credit.
Product: Mortgage

I was working with Rocket Mortgage to secure a loan for the purchase of a new home. I secured a preapproval for {$700000.00} at a 2.7 interest rate and XXXX points with only 11 % down payment. 

Upon having an accepted offer approximately 1 week after the preapproval, Rocket Mortgage increased the interest rate to 2.99 ( not a problem ) and increases the points to XXXX ( where I have my problem ). 

To go from XXXX point to XXXX in approximately 1 week felt like an unethical/predatory leaning practice. It appeared as if Rocket Mortgage worked closely with me to understand my needs and financial situation, offered me loan terms are not available else where in the market, waited for me to have a signed contract, and dramatically changed the loan terms from the preapproval that would force me to either pay inflated points or have my financing fall through and I lose my due diligence {$30000.00}. 

Going from ~ {$3000.00} in points to ~ {$16000.00} in points is beyond the pale. My expectations for filing this complaint is for this governing body to determine if what happened in my case was truly unethical/predatory and handle accordingly.
Product: Money transfer, virtual currency, or money service

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Checking or savings account

I have escalated this issue several times. They have assured me that my account I will get paid a day early after the VA send them my XXXX. 

That is not true. It is based on the account that I have. 

They have consistently made it extremely difficult to understand which account I am on and which type of account actually gets the benefits that they are talking about. 

This has never been resolved, they blamed me for not being in the right account after they set it up incorrectly at first. 

I have been in the wrong type of account this entire time. It as exacerbated my physical and mental wellbeing in a profound, negative way. 

They said, as a courtesy, they post it on Saturday. That is not a business day. Why not Friday? Their online calendar is extremely misleading, making me believe I get paid earlier than I should, leading to $ XXXX of overdraft fees since I have been with them. 

I spoke with XXXX, a supervisor, on Friday XXXX. She didn't know anything and then hung up the phone. 

As of this message, I do not have my money because it will post on a " Saturday? '' I have never understood how or why they post my check earlier, but only sometimes.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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

I have had a Capital One credit card for many years. The card was originally with XXXX and was then transferred to Capital One a couple of years ago. OnXX/XX/XXXXI paid off my balance in full. On XX/XX/XXXXI was charged interest in the amount of {$2.00}. I called Capital One multiple times and was told the {$2.00} could not be credited because the card balance had not been XXXX for the past 2 months. They informed me that I should have called them prior to paying the balance off to get a payoff quote. This card is not a loan or line of credit account. I have never been told in the past that this is how the card works. I have never heard of a credit card being set up this way and don't think this is a valid practice they should be using. After several calls and requests for supervisors I was able to get someone to credit me the interest after telling them I would be reaching out to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

onXXXXXXXX  i sent dispute letters out, no response, then onXXXXXXXX  i sent out a comply and demand letter still wit no repsonse
Product: Debt collection

There are two accounts for loans reporting on my credit reports from UHEAA which are identity theft and do not belong to me. I am not a student and did not apply for these loans. One loan is for {$3000.00} and the other is for {$1700.00}. These are being reported to my credit report having a negative affect on my credit. I have contacted the company and when I gave them my social security number they said nothing comes up and they do not have an account for me.