23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, my final bill with XXXX is with my XXXX card. On XX/XX/2023, I saw on my statement with Bank kf America and it was posted On XX/XX/XXXX. With XXXX. How can this happen when I do not even have the card number. I received my card after 2 weeks? In the meantime I was talking with both XXXX and B of A. XXXX told me there is no one that can change my card on file except me. They do not want to accept the fact that I could have not done it for I do not have the card number. XXXX XXXX from XXXX and XXXX XX/XX/XXXX a XXXX called from BofA that my dispute was rejected. They can not provide any of my authorization. I have all the documentarians I am XXXX XXXX XXXX and they just want me to be blamed. Over and over I told them the charges are legit but with the wrong card. Both companies had colluded. I can not handle it anymore.with Bank of A is XXXX. With XXXX XXXX XXXX. 
Time is off the essence thank you.
Product: Credit card or prepaid card

Made a payment through XXXX and later disputed it with Discover. On XXXX, the claim is showing as CLOSED IN MY FAVOUR but on Discover, the claim is showing as ruled in merchant 's favor. I've shown Discover all of the necessary documentation and they are still refusing to give back the disputed amount ( > {$300.00} ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On my XXXX, Equifax, and XXXX Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my XXXX and Equifax credit report without my knowledge. I'm requesting for thee XXXX to be added back to my XXXX, and Equifax credit report.
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 : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to all three Credit Bureaus, XXXX, XXXX, and XXXX. 
The account they are reporting under on my credit reports is # XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I recently started using Venmo as a direct deposit my last direct deposit on XXXX has been held and my account was suspended. They are claiming suspicious activity. I provided my ID like they asked and they still have my permanently suspended. All Im asking for is for them to give me my hard worked money. I will use cashapp going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is governed by 15 USC 1681. And they violated my rights numerous times. I demand this account below be removed. 

XXXXXXXX XXXX & XXXX. 
Account number : XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this account.
Product: Checking or savings account

XX/XX/XXXX at around XXXX XXXX I went to XXXX Carolinas State Employees Credit XXXX XXXX XXXX ATM at their branch on XXXX XXXX XXXX XXXX XXXX, NC to make a cash deposit with my checking account debit card ending in XXXX. I was in the passenger seat of a white XXXX a XXXX XXXX Traverse to be exact and there was a red SUV behind us waiting to use the atm my mother was driving and she done the transaction since she was closer to the ATM everything was going fine like normal until she put my cash in the cash deposit spot it acts like it's counting the money and says it's processing but it's taking a while then it says sorry we are unable to process your transaction so the cash deposit on the ATM Jammed up it was around $ XXXX {$150.00} I was trying to deposit everything that's jammed in the cash deposit spot on the ATM is mine. It did not deposit it into my checking account like it was supposed to and it did not give me my cash back. That was my bill money what am I supposed to tell the light company that I'm waiting on the credit union to deposit the funds they stole from me they do not want to hear that. Please help me I filed a dispute but they are not taking it seriously I feel as though I've been robbed.
Product: Money transfer, virtual currency, or money service

I am filing this 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .Experian and XXXX  keep reporting my information as updated with the same errors.
Product: Credit card or prepaid card

In XXXX I opened an account with Discover. During the duration of being an account holder have had a good customer experience, even opened a checking account with this company. However, on XXXX XXXX Discover sent me an email requesting that I complete IRS form 4506-C to provide consent for them to retrieve my tax documents to verify my identity. When received the email my first reaction was to contact the number on the back of my Discover card to find out if the email was legit or a scam. Per speaking to a representative was told that the consumer protection department is handling my account and that this request is part of an internal audit they do. I was also told if didn't file taxes then to let them know, so could verify my idenity another way. The problem is everytime I make a payment that pays down my balance significantly Discover 's consumer protection department places a hold on my account and says they have to verify my identity. Discover has verified my identity, as well as income, when I opened my account, and each time they've previously requested additional information over the two year duration I have had my account. They even verified my graduation date, as my account was originally a student account. Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory. Therefore, I will NOT be completing IRS form 4506-C to Discover as do not consent to them reviewing my tax documents. On XX/XX/XXXX contacted Discover to notify will not be completing IRS form 4506-C, and the only consent give is for them to close my accounts if they deem it necessary. When contacted Discover per their representative XXXX in Delaware would have to contact the department directly. I asked her just to transfer my message internally to the department and she stated she was not able to do that. If this is a legit request why can't Discover representatives contact this department to notify of a consumers refufusal to complete the requested form? Have credit cards with other companies and they have never asked for consent to review my tax records. As previously stated, " Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory and needs to be fully investigated. ''
Product: Debt collection

I have paid on a past due balance with Conn 's Home Plus. I called the company to negotiate a settlement of {$800.00} & they were going to report this to the credit bureau. This was paid same day of settlement & now they are reporting this to my credit as a remaining balance of {$1600.00} this is not accurate. I have the letter from Conn 's where this agreement was signed from them. I have made 2 attempts now to have this updated and removed and they keep saying that they will do this, but it still shows.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Paid Charge-Off Accounts from Credit Report Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist me in ensuring that the following charge-off accounts, which have been settled and paid in full, are removed from my credit report, in accordance with applicable federal laws and guidelines : XXXX. XXXX, Account # XXXX ***** XXXX. XXXX, Account # XXXX ****** XXXX. XXXX XXXX XXXX, Account ***** These accounts, while previously charged off, have been fully resolved as they are marked paid and closed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, charge-offs that are fully paid and settled should no longer be reported in a manner that negatively impacts a consumer 's credit profile. Additionally, the Federal Trade Commission ( FTC ) and the CFPB have both issued guidance regarding the reporting of paid charge-offs, emphasizing the accuracy and completeness of credit reports. 

As these accounts are no longer in default status and have been settled, they should not continue to appear as negative items on my credit report. Continuing to report these charge-offs undermines the purpose of the FCRA, which aims to ensure that credit reports are fair, accurate, and complete. I respectfully request that these charge-offs be removed from my credit report entirely as they no longer reflect my current credit standing.

I believe the continued reporting of these charge-offs may be in violation of the FCRA, which states that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. Moreover, under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is incorrect or misleading. Since these charge-offs have been paid and closed, they no longer provide an accurate depiction of my creditworthiness. 

Furthermore, I kindly ask that the CFPB ensure that the credit reporting agencies update my credit file to reflect the accurate status of these accounts. This action is critical to ensure my credit report fully complies with all consumer protection regulations. 

Please confirm in writing that these charge-off accounts will be removed or updated to reflect their true status of " paid in full '' without any derogatory notations. If further documentation is needed to substantiate this request, I am more than happy to provide it upon request. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I would like to dispute the late payment entries recorded on my credit report. These late payments occurred due to a tragic event that impacted my financial management capabilities. The bank associated with these late payments has agreed to remove them in light of the circumstances. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections 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 documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 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 have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( 06 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : RESIDENT VERIFY Date of inquiry XX/XX/XXXX 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 XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX 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  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

More specifically talking about XXXX, who sold data to XXXX.
Product: Credit reporting or other personal consumer reports

reporting act XXXX account XXXX has violated my rights 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish a account with out my written instruction 15 USC 1666B A creditor may not treat a late payment on a account under an open end consumer credit plan as a late payment I will like all information from to all3 bureau to be updated this information
Product: Student loan

I have a private institutional loan from the XXXX XXXX XXXX  XXXX XXXX, which is serviced by XXXXXXXX XXXX 

I am reporting XXXX XXXXXXXX for seeming attempts to block the ability of persons to actually have their student loan deferment forms processed. 

My loan is one which was taken out from XXXX while in XXXX XXXXXXXX. For the XXXX period, I had a no interest deferment for that loan, which XXXX XXXX processed without difficulty. 

When submitting my XXXX  deferment, I have been rejected twice, and then on the third try I was told I mailed it to the incorrect address, that the address had changed. 

In detail : - The first time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it for a minor clerical error. 
- The second time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it because the form was the incorrect form ( This was the same form I have been using for the last XXXX years ). 
- The third time, I mailed it, and the mail was marked undeliverable to the XXXXXXXX XXXX address. When I called XXXX XXXX to ask why it didn't get delivered, they told me their address had changed to an address in XXXX XXXXXXXX XXXX They also told me that the new address is listed on their website and forms, which it is not. 

XXXX XXXX does not offer any way to submit forms aside from mail. 

I have attached the inaccurate deferment form below I am reporting this company for : - Inaccurate mailing address for essential loan forms- Seeming attempts to deter deferment submissions via frivilous rejections
Product: Checking or savings account

Wells Fargo bank, Under their Terms and conditions Refuses to investigate Lost payments with their online banking guarantee and reimburse the same with proper customer notification. 

Wells Fargo Banking Refuses to investigate their Debit Cards for unknown debits on accounts nor in good faith make the necessary corrections in a timely manner. Refusing to give accredited accurate information and becomes confrontational when an inquires is made. 

Within a thirty day period I will have been Issued 3 new debit Cards because Of suspected Internal breach of their Customer Based System, Each time interfering with the processing or keeping my account Up to date an accurate. Causing A great Deal of hardship between XX/XX/2020 and XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to check my credit score and went to TransUnion 's site. It asked me to create a profile and asked for my credit card information. I assumed this was to check my credit score. Once I created an account, I was automatically billed for {$26.00} and signed up for a subscription service. I had no indication I was signing up to pay for anything. I feel as though I have been scammed. I have cancelled the subscription and can not find out how to get my {$26.00} refunded.
Product: Mortgage

My mortgage hit a 10 year anniversary that applied principle to a $ XXXX dollar loan that jumped my payments an additional {$3500.00} a month, now $ XXXX per month. In an effort to refi, my home has lost XXXX in value making impossible to refinance. I turned to Nationstar for a loan modification and was told that I was rejected not for be accepted to do the loan modification, they said the new loan would have a higher monthly payment. They will not disclose what the new loan would be or why they would not reduce the loan. If the original loan was re-applied, i could make the payments. We are doing everything in our power not to miss a payment, even draining our saving account. We are out of time. Nationstar will not work with me, the person that they assigned is just a document fetcher, no help at all. The call center just says, you where rejected and there is nothing they can do.
Product: Credit reporting or other personal consumer reports

On Monday XX/XX/XXXX at XXXX XXXX XXXX. I receive a stall letter from Experian. So I did not have time to contact them because it was too late at night. ON Tuesday XX/XX/year> at XXXX XXXXXXXX XXXX I called Experian, talked to XXXX and asked why I received a stall letter on information, I personally sent myself from my place of residence. 

He tried to say that I had a third party disputing on my behalf with their logo. I said '' That's interesting because I am the one who sent you the dispute on the XXXX of XXXX. '' Items on my report is still not reporting 100 % accurately and completely and they are trying to stall, providing the information I requested by XX/XX/XXXX. He also said that Experian does not allow recording '' I said that I do not record, but I do keep great notes and timelines. '' I also told them, that I needed the requested information provided within 15 days, with physical documentation of how the investigation was completed. If they are not able to do it. I would like for them to, simply delete it.