23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have subitted proof over 12 times in the past few years in regards to XXXX. which is XXXX for the amount of {$2300.00}. I have disputed this information and yet the item still remains. The apartment complex was paid directly XXXX XXXX and the property manager gave me a signed letter after receipt of payment indicating they received the full balance and my balance was XXXX. All the reasons I provided are BY LAW grounds to have it deleted and I am still dealing with the same issue. If this item is not deleted, I will be forced to use all avenues provided to me as a consumer if the credit bureaus do not abide by the laws governed and remove the items.
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 ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant financial loss and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Throughout the time of repayment for my student loans, anytime I had an issue with the size of my payment or was unable to pay. The  XXXX   XXXX  now Navient always advised a forbearance was needed to do in order to keep my loans in good standing. I was late once by 5 days i n   XX/XX/XXXX   due to m  oving from  XXXX  to  XXXX . They have refused to remove that one late payment from my   credit reports. Even though it was due to things out of my contro ls. ( My sp ouse passed away and I had to reloc ate ) Due to the  number of forbearance received s ince  XX/XX/XXXX  -  XX/XX/XXXX , my loan s have accumulated to over $ {$130000.00}. My original loan was from   XX/XX/XXXX  for {$ 33000.00} with  XXXX   XXXX  and my second loan was also     XXXX   XXXX   for {$28000.00}. My student loans went from {$62000.00}  In  XX/XX/XXXX , mont hly payments were {$570.00}, I n  XX/XX/XXXX , {$640.00} In  XX/XX/XXXX , {$800.00 } In   XX/XX/XXXX ,  {$940.00} And in   XX/XX/XXXX to today -  {$970.00} My loan value has never decreased only continued to increase even though I have made payments consistently since my last forbearance. I was unemployed several times during those 6 years, but did make payments even if only interest. In   XX/XX/XXXX , Nav ient suggested I consolidate my loans which would lower my payments. So I did complete the consolidation, which brought my loan amount to {$970.00} per month . In  XX/XX/XXXX  al one, they have capitalized interest in over {$12000.00}. Prior years the interest was roughly {$3000.00} - {$4000.00} total, for exampl e  XX/XX/XXXX interest was {$3600.00} total, was In  XX/XX/XXXX  it also tr ipled to {$120000.00}.     I struggle to make the payment each month, but I do n't want to call and ask for assists as they will say a forbearance is the only option again. They have been exceptionally rude and not interest in discussing my options. I do n't know many people who can make an almost {$1000.00} payment every month with the amount going up each year for the next 20 years. I do not believe my payments were posted correctly. Based on their system, I have my interest added then payments made in 10 years! I pay over {$11000.00} per year and they charge my account with over the total payments each year!!!     Navient has set up my student loans with so many forbearance that I will never be able to pay this off in my lifetime. I was never offered any other options. I tried income based for 1 year and they then told me I needed to consolidate.
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 1692c. 

XXXX XXXX : # XXXX 15 USC 1692c states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Credit card or prepaid card

Ive been a card member for Barclays for almost a year and great payment history and never been late or had any problems using the card now I called twice to have my credit limit increase so I can manage my credit card balance and utilization and I had my credit report pulled twice in one year and I was turn down due to mutiple fraudulent inquiries and I explain to the credit rep that I was a victim of fraud with XXXX XXXX and XXXX ... and she told me I have to wait few months and it was a big waste of my time and I lost 10 points off my credit report due to phony credit limit increase declined
Product: Bank account or service

I am a senior citizen who has my accounts with Wells Fargo. XX/XX/XXXX I was attacked and had a severe head injury. I was told by Wells Fargo that CD 's were good and I opened multiple ones with them. With memory failure I believe I lost a XXXX CD in the shuffling of the Wells paper work. 
I do know that XX/XX/XXXX I received a plain envelope from Wells Fargo at my p.o. box. I almost fainted upon opening it as it said it closed " my CD due to the Patriot Act ''. Wells knew I had been a customer for years and I was born in the USA along with my parents, grandparents. Wells did this because the interest rate was 2.0 on my CD and the rate when they closed it was .25 or lower. They did this so they could save about {$240.00} in interest ... .. or more .... I wrote XXXX XXXX and he did nothing. 
This I can recall. I am still concerned that I could have lost {$15000.00} because of the shuffling of Wells paper work and at the time I did these CD I was receiving intense care for my injuries. 

Thank-you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$750.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$15000.00} XXXX  XXXX XXXX BALANCED {$3200.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX TX XXXX Reference # XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Debt collection

REPEATED BY PHONECALLS FROM XXXX NCC BASED IN FLORIDA. THIS COMPANY IS INF VIOLATION OF THE FAIR CREDIT REPORTING ACT AND I HAVE DISCUSSED THEIR TACTICS WITH LAWYERS. THEY MUST BE INVESTIGATED AND PROSECUTED!
Product: Debt collection

I had talk to someone on XXXX and they had removed it off and they also send me a letter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I submitted a complaint to Capital one in XX/XX/2023 to remove 2 fradulent credit cards opened in my name ending in XXXX and XXXX. I received a letter about a month later saying they will remove the acocunts and that still has not happened. I submitted numerous documents to them proving I did not open or authorize anyone to open them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to LexisNexis on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, 2016, I uploaded a letter of dispute to Experian via their XXXXXXXXXXXX. Once I uploaded the information, I received the immediate statement stating my upload had been received successfully. I allowed the 30 days to receive the results from Experian but had received nothing. I just pulled a copy of my credit report from Experian and contacted them to see why an investigation had n't been performed. According to Experian they did n't receive anything from me in regards to an investigation. How could this be when I still have the saved page of them confirming successful receipt of my request? I am asking that something is done about this.
Product: Credit card or prepaid card

Avant opened a credit card account that was never applied for. This fraudulent account also has the annual fee immediately charged to the account. Multiple phone calls made to the company, they do not close the account, refuse to provide any information of the source of the fraudulent " application '' to open the card in the first place and instead continue to request more sensitive information related to my identity.
Product: Money transfer, virtual currency, or money service

I am formally writing my concerns regarding Zelles handling disputes particularly with the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times And reporting discrepancies My financial institution and Zelle both failed to investigate my claims adequately. They informed me that Recovering lost funds was impossible and that tracking these transactions was unfeasible.

The CFPB findings indicate that Zelle has not only neglected to protect its customers But has also allowed repeat offenders To exploit the system Leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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 XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX  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!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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.
Product: Credit card or prepaid card

On XX/XX/XXXX, a {$4400.00} check was sent to pay my Carnival Mastercard account ending in XXXX Issued by XXXX XXXX. The check was cashed by them on XX/XX/XXXX, However, the payment was never applied to my account. As of today XX/XX/XXXX, the payment has still not posted. I have made several calls to them to no avail -hey kept telling me it would take 7-10 days for the payment to post-each time I would wait the 7-10 days but still no posting. A copy of the cashed check was sent to them on XX/XX/XXXX. I also wrote to the office of the president of XXXX XXXX. I received a call from them today saying it would take ANOTHER 30 days for the issue to be resolved. This is totally unacceptable. They have {$4400.00} of my money with no credit on my account to show for it They have a copy of the cashed check-they should be able to track it down. I am out {$4400.00}, and they do not seem to care at all. Meanwhile my account keeps accruing finance charges on the remaining balance. I have been making the minimum payments ever since just to keep them from ruining my credit
Product: Credit reporting or other personal consumer reports

This was my follow through complaint for the removal of these inquiries and incorrect personal information. Per FCRA section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries posted to my report. Here is the list of items that were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ), the credit reporting agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, no later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by XXXX points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.