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

I have identified inaccurate information on my credit report. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and rectify the errors for the following accounts listed on my credit report. 
XXXX 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: Student loan

{$12000.00} For ONE Year of College In 2007, I was a XXXX with my sights set on college - and only {$20000.00} standing in my way. I received a colorful advertisement in the mail from Chase Education Loans promising the bright future I was so desperately seeking, and snagged the opportunity immediately. Sure, I read the fine print - but at XXXX, I did n't quite understand the meaning behind " variable interest rates '' and signing away my soul. I wanted to go to college, and Chase offered the solution. Problem solved! 

During my first month at school, I received a piece of mail from Chase - my first piece of mail addressed to my dorm! I opened it up, and sat down in shock as I read the numbers printed on the paper - My {$20000.00} loan was in deferment until I graduated, but would continue to accrue interest during that time period. Over 30 years, I would end up paying {$100000.00} in interest - that 's a grand total of {$120000.00} for my XXXX year of college. 

Once I 'd obtained my XXXX and my loan came out of deferment, I was sent a bill with a whopping total of {$34000.00} to start paying on - and a minimum monthly payment of {$330.00}. Out of that {$330.00}, only {$30.00} goes towards the principal of the loan - meaning I 'm paying {$300.00} a month in interest. 

Drowning seems to be the only way to describe how I feel when faced with the reality of my situation - although helpless, ashamed, and depressed are right up there as well. After 3 years of making payments on this loan, I have n't even scratched the surface - my statement this month says I still owe {$34000.00}. The total has n't gone down despite paying every month, it 's gone up! 

I 've tried educational counselors, financial advisors, loan forgiveness programs ( unavailable to private loan occupants ), renegotiating the terms of my loan with Chase - you name it, I 've tried it. I feel desperate and frustrated all at the same time ; I went to school to provide a better future for myself and my family, and yet I 've put myself into a predicament that I ca n't seem to climb out of. I 'm desperately trying to make something of myself, and yet my student loan for ONE year of college is truly making it impossible for me to move forward! 

Times are tough for everyone - in a struggling economy, we 're all just trying to make it from paycheck to paycheck. My goals in life, however, are stymied by the weight of the decision I made at XXXX - the decision to believe and trust in a company as prosperous as Chase so that I could go to college and accomplish my dream of a degree. 

Thank you for reading my story - and hopefully learning from my mistake! 

XXXX
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been a issue ive addressed multiple times. all information listed is reporting illegally an reporting fraudulent items on my credit report. this needs to be deleted asap to help correct my credit file. please review the listed items to report and delete the inaccurate data asap.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) 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 0:30 was untair and deceptive, as they ali hot " 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 card or prepaid card

On XX/XX/XXXX I booked a hotel in Hawaii using Capital One Rewards. The booking was forXX/XX/2020. When Covid-19 began to spread, it became apparent that it wouldn't be safe to travel from our home in XXXX California to Hawaii at that time. I am in the high-risk population for contracting the disease, XXXX years old with underlying health condition. 
I contacted the hotel to cancel the reservation, and I contacted Capital One to inform them that I would not be traveling. 
They have informed me that this was a " non-refundable '' purchase. However, I believe this situation would amount to an " Act of God '' which should override such an agreement. 
They claim that I did not contact them, because, apparently the rewards department is separate from the ordinary credit department. They further claim that the reservation was not cancelled, which it was. 
Further, Capital One did not pay the hotel for the reservation, so they have incurred no expense
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXXXXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX2022 AMXXXXXXXX XXXX2022 XXXXXXXX XXXX/2022
Product: Debt collection

In accordance with the Fair Credit Reporting act XX/XX/XXXX account # has violated my rights. XXXX, 2021 - {$2300.00} 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Product: Bank account or service

My wallet was stolen and my Rushcard was used with my pin. I filed a dispute and was told because my pin was used, there was nothing they could do, they closed my case, and then told me to do a rebuttal and get the case reopened then they will investigate. I got a new card from them but I feel they should have investigated when I reported that my card was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving notifications about Hard inquiries from Capital One Bank. That i did not authorize or recognize. I am concerned about identity theft.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Summary of Accounts being challenged in list form XXXX XXXX XXXX  - Account Number:XXXX  This is not mine. 

XXXX XXXX - have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt exists XXXX XXXX XXXX - Account Number:XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was approved for a personal student loan from XXXX. Under XXXX I made all on-time payments and at this time, this loan never was reported to the credit agencies as was the understanding from XXXX when I took out the loan. Also, there was no indication in the loan documents that this loan was going to be reported to the credit agencies. On XX/XX/XXXX, XXXX transferred ownership of the loans to XXXX XXXX due to XXXX going out of business. During this transfer, I lost track of the payment cycle as my automatic payment was canceled due to the transfer. In XX/XX/XXXX, I was informed that I missed payments and I worked with XXXX XXXX XXXX to settle the account which was now under the control of XXXX XXXX, which I was never informed of this transfer. The account was settled on XX/XX/XXXX and at this point had still not been reported to any credit agencies. In XX/XX/XXXX, after monitoring my credit, I noticed this account was now showing on my XXXX credit reports and thus had a negative effect. I have asked XXXX XXXX to remove the account from its reporting and they have replied they are obligated to report it. It seems detrimental to the consumer that XXXX XXXX only reported this account once it was determined to have a negative outcome. The lack of reporting also contributed to my delinquency for payments, as I used my credit report to track my outstanding loans. XXXX and XXXX XXXX did not report this account for 20 months and it only was reported when it had a negative effect on my credit. Also when reported, XXXX XXXX put the date of closing as XX/XX/XXXX and XX/XX/XXXX and not the date when the account was settled and paid off. This business seems very predatory in that it seems to only make reports to credit agencies when it is detrimental to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint against Equifax for reporting incorrect information on my credit report. Their response was that the information I submitted was not what they had on file and needed me to send in verification information. I find it odd and disturbing that Equifax did not/ could not verify this information without my documentation however theyve been reporting this very information for over a year. I sent in the requested documentation along with my demand of permanent removal of collection account that had been previously removed and reinserted incomplete, without and notification nor the opportunity to explain that this didnt belong to me. 
No Reasonable Procedures were enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of XXXX  and they continue to show me reasons why I should leave. In late late last year, I took out two small loans. The were both paid on time and paid off. They were paid off in XXXX of this year. To date, they both still are reporting inaccuracy on my credit report, as open trade lines, which they are not. I have called the XXXX XXXX, 5 times trying to resolve this but I simply get nowhere.
Product: Checking or savings account

I opened a checking account at Laurel Road bank ( a virtual bank operated by Key Bank ) and set up my salary from my law firm to be direct deposited into this checking account. The first payment went through and I attempted to transfer my funds to my XXXX XXXX account so that I could invest part of it and pay my bills with other parts of it because it was so difficult to add external accounts to Laurel Road. On XX/XX/2023 Laurel Road sent me an email saying the transfer has been initiated. I attempted to log in a few days later and was denied access " due to system maintenance ''. I believe this was not a good faith message. After several days of receiving this message I called and was told my account was placed on hold. Without alerting me, Laurel Road had canceled my transfer and then rejected a subsequent direct deposit from my employer. I now have thousands of dollars frozen and had to pay increased credit card interest due to their actions.
Product: Credit card

Citi Bank is charging me for fradulent charges. They had previously removed the charged but they have returned to my account. I had already provided them with the postmaster 's case number from when the our XXXX XXXX was XXXX XXXX and our XXXX XXXX XXXX. I have attemped to report this issue to them several times. 

The company is claiming that the card was embedded with a chip and therefore they claim that the charges were liget but I had previously explained to them over the phone that it was a resolt of XXXX XXXX and I provided the postmasters case number.
Product: Vehicle loan or lease

Wells Fargo dealer services is violating the remediation stipulations with CFPB File No. XXXX. Wells Fargo is continuing to commit fraud on the customers in XX/XX/XXXX. Wells Fargo dealer services mailed me a check on XX/XX/XXXX for {$110.00}, as refund for applying unnecessary CPI insurance on my auto loan in XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I called Wells Fargo to inquire in detail how the {$110.00} was calculated. XXXX from The office of the president conducted a 10 day investigation for remediation case # XXXX. The results of the remediation investigation revealed Wells Fargo actually applied 4 ( FOUR ) unnecessary CPI policies on my auto loan from XXXX, with a falsified explanation stating : POLICY1 : We received a cancellation notice from XXXX XXXX, POLICY 3 : We received an expiration notice from XXXX, POLICY 4 : We Did Not receive proof of insurance. XX/XX/XXXX I reopened the case with the office of the president for a second remediation with XXXX case # XXXX. I requested Wells Fargo Provide me with the documentation from XXXX XXXX & XXXX XXXX, stating my insurance was cancelled and expired. XXXX informed me those documents couldnt be provided to me, and that I had to obtain them from XXXX XXXX & XXXX XXXX. I contacted XXXX XXXX & XXXX, and received letters of experience for the dates XXXX provided in policy 1 & policy 4. XXXX XXXX & XXXX XXXX never informed Wells Fargo of the falsified cancellation or expired policies, I was covered durning those falsified dates. Wells Fargo also enclosed copies of notices sent to me via U.S.P.S regarding CPI policies fraudently placed on my account. Wells Fargo by this admission, committed mail fraud. Wells Fargo also violated the Truth In Lending Act and violated the FCRA. XXXX & XXXX at Wells Fargo are aiding the CPI fraud committed against consumers. I demand remittances of every payment I made to Wells Fargo for auto loan XXXX for violating the truth in lending act as required by law. I demand the entire fraudulent account be removed from my credit report, and NOT charged off to the IRS on a XXXX for violating the FCRA. I do not owe Wells Fargo anything for this fraudulent loan.This loan was deceptive from the beginning to the end. I demand Wells Fargo compensate me for committing mail fraud as required by law.
Product: Debt collection

This account is fraudulent my identity was stolen Please take this off of my credit I am unable to get any loans or open up any credit cards due to this issue I am trying to rebuild my credit
Product: Debt collection

I got a summons in an amount of XXXX On Barclays Bank of Delaware which was turned in to XXXX XXXX. I did not use this card My ex husband used it when the divorce was final I know nothing about this card where it was used or anything The summons was filed on XX/XX/4 I just received on XX/XX/XXXX XXXX XXXX I have called XXXX them selves and filed for fraud I am now trying to hold of XXXX XXXX to report fraud to them
Product: Debt collection

Attempted to reach Magnum since XXXX. They never answer their phones and barely answer emails. They gave me one amount to pay XXXX XXXX XXXX on XX/XX/XXXX. Once trying to pay, they charged a surcharge of {$40.00}. When in the process of disputing the credit card processing fee on XX/XX/XXXX, they increased the fees, charged an additional 25 % in contingency fees, added more interest and late charges, and {$44.00} in credit card processing fees for a total of over {$200.00} more than the agreed upon amount. 

After contacting the company, the original creditor, and XXXX, I have yet to get a response. They violated the FDCPA in more than one instance. The 3rd party collection agency, Magnum, is also a LLC of the original creditor ( they are in the same office ) and claim the other party is to blame. The original creditor, XXXX XXXX XXXX, states they have nothing to do with the fees. The 3rd party stated the reason they haven't returned my call is because I/they need to contact the original creditor. 

This is a conflict of interest. They are double charging me on fees, they have deceptive practices, violated FDCPA, and have unlawful communication practices. 

We are suffering from the global pandemic with a 7 % unemployment rate and increase of national debt. They should be courteous knowing that millions of Americans are suffering.
Product: Debt collection

Every year since the pandemic I have been getting different collections on my credit report from XXXX and XXXX It has been 3 different collection agencies in the past XXXX XXXX reporting that I owe XXXX {$1600.00} and XXXX {$580.00} I have never had XXXX or XXXX in my life. Every year I have to call XXXX, XXXX and XXXX about these collections and it will get removed and the next year another collection company buys it and put it back on my credit report, And Im tired of having to dispute these collections every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/XXXX to find that my collective Nelnet student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to Nelnet who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to XXXX. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.
Product: Credit reporting or other personal consumer reports

After looking over my credit profile XX/XX/year> I discovered multiple items reporting that arent mine nor are they accurate. Immediately I disputed these fraudulent and inaccurate reportings, however experts in had taken more than the legal 30 days given to investigate this matter. No contact, emails or letters has been sent to me to better explain their negligence. The company is silent and irresponsible. 

I fear that I have been apart of a heavily organized scam. With that being said I can not move forward with my life if these negative items are still on my file impacting my chances of credit.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against TD BANK USA/TARGET CREDIT for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by TD BANK USA/TARGET CREDIT to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt. The discrepancies are as follows : Incorrect Account Balance : TD BANK USA/TARGET CREDIT has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account. Failure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by TD BANK USA/TARGET CREDIT , I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS. I have made several attempts to resolve these issues directly with TD BANK USA/TARGET CREDIT. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing. As this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that XXXX XXXX complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt. Please let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.