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

XXXX XXXX XXXX is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. XXXX XXXX XXXX is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories.
Product: Student loan

The college I was attending abruptly shut down altogether. I was less than a year from getting my XXXX XXXX in XXXX XXXX. XXXX XXXX never sent me my transcripts even though I repeatedly requested them in-person and via email. 

XXXX never suggested alternate schools that would be accepting my previously earned credits either. This was back in the year XXXX I believe, my loans defaulted in XXXX I think. In less than a week I went from going to my classes on a normal school schedule to the college shutting it's doors for good. 

I do not owe on my loans anymore because the contract I signed with XXXX XXXX was never fulfilled. XXXX XXXX violated their contractual obligations! They did NOT provide the services I signed the contract to pay for. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I had tried to use my cash app account for the first time in months after trying to track down my unemployment it had XXXX XXXX deposited onto my account since XX/XX/XXXX from my unemployment back pay i waited almost 1 year and 2 appeals later once I logged into my account I never had a chance to use the system said my account was block out of nowhere and then it said I had to reset my pin the option wasnt giving to me reset my pin almost as if cash app had something to do with it i contacted customer service to fix my pin which is odd because u can reset it from the website so i XXXX cash support and was told i had to merge my accounts to move all of my money off because I can actually afford a real bank account now having suffering from XXXX XXXX and XXXX  for months it's hard to keep up with everything the person said to log out and once I did I instantly i got blocked and the company took so long to respond that all my money dissappeared and then my account got closed and they wont help they keep asking me for the same information over and over again I never got a chance to use not XXXX buck on my account I emailed cash support until my phone wouldn't allow me and they responded The XXXX of XXXX my whole account was XXXX and closed so now they reopened it but wont give me a refund or tell me what happen to my XXXX XXXX it's really frustrating this is not ok I'm so XXXX  that's all i have to live off the snow is coming now and I can't manage to keep warm I emailed the ftc  and XXXX  but a few news teams and it seem like no one will help me please help me time is moving and cash app is not doing anything I email them almost everyday and the scammers linked a bank to my account from XXXX XXXX XXXX to my account and I told them over and over that it isnt mine and I told cash app that it isnt my account and still nothing is being done please help I feel like just as good as dead I'm being ignored how do XXXX XXXX just get stolen and cash app just wont help respond or try to help
Product: Payday loan, title loan, personal loan, or advance loan

We have an installment loan with M & T Bank for the purchase of a boat. We have attempted on multiple occasions to make principal only payments in addition to our regular monthly principal and interest ( P & I ) payment. After noticing on the loan statement that the additional payments were not being applied to just the principal balance, we contacted M & T Bank to inquire about how to go about making principal only payments. The associates we've spoken to on 3 different occasions said there is no way for us to make a principal only payment on this loan. We've never heard of such a policy that would prevent a customer from paying down the loan more quickly in an effort to reduce the interest paid over the life of the loan.

Additionally, we requested a copy of the loan 's amortization schedule. We were informed they could not produce an amortization schedule for the loan. Its a fixed rate, fixed term loan with a fixed monthly P & I payment so I don't understand how an amortization schedule can not be produced.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX, without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has XXXX  my FEDERALLY protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I have called, emailed, and contacted Equifax via social media multiple time to request assistance with missing information. Equifax is not including an account that was reported to them 23 days ago, over three weeks. Equifax will not assist in helping resolve the issue and takes every effort to not provide help. 

I have contacted the creditor and this information has been supplied to Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX has obtained my nonpublic personal information as a result of material misrepresentation, fraud, and identity theft pursuant to 15 U.S.C. 1681a and Texas Penal Law 521.051 ( a ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX is in unlawful possession of the consumer 's private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without consent. I am formally asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681, Section 602 ( a ), which underscores the importance of consumer privacy and the responsibilities of consumer reporting agencies to act fairly and impartially. 
Further more I HAVE REACHED OUT YO TRANSUNION, EQUIFAX, and EXPERIAN multiple times to no avail. As a result of this fraud and the accessory actions of TRANSUNION, EQUIFAX, and EXPERIANs by continuing to report this information, not properly investigating this matter and using extortionate means to stop the consumer from taking advantage of the consumers FULL FAITH IN CREDIT, I the consumer have faced, much distress, homelessness and loss of funds. Including a loss of {$200000.00} in denied home lending for my family and I. According to 18 USC 42 Sec 894 Whoever Knowingly participates in any way, or conspires to do so, in the use of any extortionate means to ( 1 ) to collect or attempt to collect any extension of credit or ( 2 ) Punish any person for the non repayment thereof, shall be fined under such title or imprisoned not more than 20 years or both.
Product: Credit reporting

I have disputed several inaccuracies on my credit report. I have a asked for Debt to be validated and have not received proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report open pass due account XXXX XXXX XXXX orig XXXX XXXX XXXX hospital, filed a complaint with equifax that this account does not exist .it was previously removed and then reappeared, i called XXXX XXXX XXXX they stated XXXX balance, sent me a copy that i sent to equifax, they have not responded 2 my complaints over 4 months
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus XXXX, Transunion, and XXXX. I disputed 5 accounts a late payment from XXXX from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. XXXX, XXXX, and Transunion are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contacted multiple banks trying to acquire a business loan, all had advised me that due to my business being so new ( opened on XX/XX/2022 ), they couldn't help me. This is how I got to Chase, called asking the same question I had asked 7 other banks, looking to take a loan out under my business name, new business, I have excellent credit and good personal income but trying to establish my business. XXXX XXXX XXXX XXXX ext # XXXX from Chase advised me that this isn't an issue with Chase, a business does not need to have history, they are one of the few lenders that would lend, I provided him all the information he requested. Today, XX/XX/2022, when I called to get a status on my application, I was advised the application was denied due to " Length on time on business '' & " Value of business Collateral '', to which I responded to XXXX how are those reason to deny my application when I advised you this is a brand new entity, I am trying to get a loan in order to obtain collateral and my main question prior to doing an application was do you lend to companies that are just starting. I advised XXXX I want to dispute the credit inquiry, I feel like I was misled into applying for the loan, when the reason for the denial clearly states Chase is looking for businesses to be in business for a longer period. XXXX advised me to contact the credit reporting agencies, he was unable to provide me information on how I could dispute the information via Chase.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft the accounts I have mentioned in this report do not belong to me they were opened as fraud I am seeking your help to get this removed from my file. 
XXXX has removed these fraudulent accounts from my file how is it possible that the creditor says one thing to one credit bureau and says a different thing to the other two? This makes no sense.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX, XXXX  I have not been able to get the credit card companies to correct my address and phone number on my account. Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful non compliance. The address are where I do not live are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , The phone number are : { XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX I don't know who these numbers belong to so I am asking them to delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this finds you well. 
My problem is with Chase credit card company. I had a credit card account that was in good standing starting in year XXXX ( {$4500.00} limit ). I shut the account down in XXXX because I could not afford excessive interest rates. I contacted Chase to make payment arrangement ended up creating a settlement with Chase CC, paying them 50 % of amount in XXXX they will not remove from my credit report and have inaccurately captured a XXXX date that is meaningless. I feel this is hurting my credit and my potential background checks with employers. I also feel Chase is doing this on purpose. I have asked for explanation and disputed on credit report. They do not respond to me.

Chase Credit Card Account Number is not available and the credit report shows closed XX/XX/XXXX. Last touch of XXXX is not possible. Chase is wrong in the record reporting. Please let me know what else I can provide. 

Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

My mother answered the door about a week ago, and the man identified himself as a bounty hunter. He then asked my mom if I reside at the residence, and she replied yes, and he handed her court papers. She asked him again what the badge around his neck was and he said he was a bounty hunter. My mother is XXXX XXXX XXXX and this was extremely scary for her. 

The company on the documents that is suing me is XXXX XXXX and XXXX. I called their phone number listed and I told them about the bounty Hunter that showed up at my mothers house and she called me a liar. I went onto further. Ask what this was about because it looks like some kind of online loan. All the represented kept saying was do you want to pay the deck today. 

My car was broken into over two years ago. I have police reports, identity theft, reports because my identity has been used elsewhere as well. This company used an unethical practice by sending a bounty, hunter bounty Hunter to my mothers, personal residence. 

I am attaching a front page of the summons because it has the bounty hunters hand writing on it with his badge number, and time and date. 

I can also get a written witness statement from my mother.
Product: Credit card or prepaid card

I have the Apple Card by Goldman Sachs ; they appear to have double billed me for a recent payment but can not explain to me why : 1. The double payment happened in the first place ( I did not schedule it, nor does the bank account against which it was made show it ) 2. Why my account now shows in arrears if the first payment was successfully processed when that payment reflected a " paid in full '' amount of the previous statement balance. 

3. Whether or not my account is considered " in good standing '' after these errors on their system. 

4. What steps they will be taking to prevent similar errors in the future.
Product: Money transfer, virtual currency, or money service

I 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 ). Specially, 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 see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 it's been more than 43 days since i wrote and they haven't responded to me, according to the law section 611A. they must remove everything that can not be verified from my credit and i was avictim of the XXXX data breach
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies XXXX, XXXX, and Equifax are mandated to conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I assert my rights supported by 15 USC 6801, which underscores Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, XXXX, and Equifax, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX, and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX, and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of there reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Money transfer, virtual currency, or money service

The Zelle app was very unreliable and would never let me change the account it was hooked up to. Money would send and receive from XXXX different apps forcing me to transfer funds I didnt plan on releasing.
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX and list of Inquiries. 


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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear XXXX, I am writing to formally dispute the inaccurate reporting of an account on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX This account is being reported as a charge-off, and I have noticed multiple discrepancies in how it is listed, including conflicting dates of last activity. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. 

I demand that you investigate this matter immediately. If this account can not be verified as accurate or if the discrepancies can not be resolved, it must be removed from my credit report without delay. Reporting inaccurate information is a serious breach of your obligations under federal law. 

Please delete this account entirely from my credit report or provide documented proof of its accuracy. Failure to address this dispute in a timely manner will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursue legal action. 

Once you have completed your investigation, I expect an updated copy of my credit report reflecting the necessary corrections.
Product: Student loan

i received student loans to complete a phd in biology at XXXX university, for 5 years after graduation in XX/XX/XXXX, i was in forebearance because i could not get a job and had to settle down for XXXX {$19000.00} fellowship as postdoctoral fellow at University XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to apply for loan forgiveness as XXXX fellow but was turned down, as the program was for only XXXX fellows working at XXXX. I got my first real job as an XXXX XXXX in XX/XX/XXXX at XXXX University, PA on XXXX annual salary, i was laid off with all non-tenured faculty in XX/XX/XXXX due to the State of PA cutting off all aid to XXXX University due to financial stress of XX/XX/XXXX. After 4 months unable to secure another job, i volunteered for XXXX type federal sevice called XXXX/sponsored by XXXX, XXXX for XXXX XXXX for 2 years, XXXX. When i returned to USA in XX/XX/XXXX, i still had no job so i did XXXX XXXX service for 2 years with STS/PA until I got a faculty job in XXXX XXXX on XXXX per annum in XX/XX/XXXX at XXXX University at XXXX XXXX XXXX I paid my student loans for 3 years while at XXXX University and at Southern University at XXXX XXXX. I was denied tenure in XXXX at Southern University and have remained unemployed since then. Both my services at XXXX University and XXXX University is for 10 years though not continuos. My student loan went into default and when my XXXX dollar tax refund was garnished in XXXX, i applied to rehabilitate the loan through XXXXPHEAA and it was granted with agreement to pay XXXX dollars a month till XX/XX/XXXX. However the loans were reinstated in XX/XX/XXXX with a payment of XXXX dollars per month, my Social Security benefits, the only income i have is XXXX per month, i am on XXXX and XXXX XXXX All attempts to get AES to grant me forebearance based on my income has failed.
Product: Debt collection

The company is using false and deceptive practices to furnish account information on my credit report without my expressed written consent. The company 's actions are a result of identity theft. 

I have never heard of the company and I am not in any contractual agreement with the company. 

The companies actions have violated my consumer rights under federal law and have caused me personal injury. 

The company is civilly liable to me under the Fair Debt Collection Practices Act.