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

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE XXXX XXXX
Product: Credit reporting

I went to a credit union to apply for a loan. My credit score with Equifax was XXXX. However, I noticed that my total Available Credit ( AC ) was {$750.00}, and my balance was {$290.00}. At that time my AC was {$1200.00}. My unsecured XXXX XXXX card for {$500.00} was not on the report. ( Now my AC is {$1900.00} ). The {$290.00} is way over the recommended 33 % of {$750.00}, which hurt my score. Having this corrected would get me a higher loan with a lower interest rate.
Product: Credit reporting or other personal consumer reports

You are now out of the time frame to " update '' or fix the account this is a deman of deletion.

If I am misadvised or the laws that I attached aren't withholding please using other laws explain to me how Affirm is still appearing on your report after : I showed the company ignoring me and immediately closing out my complaints ( see attached ) I showed you where the supervisor said he will personally look into the case and get back with me and as of XX/XX/year> up until today I got XXXX response ( see attached ) I even showed you guys proof of my new agreement due to disaster a deferment was set up allowing me to change my due date you guys said you validated and updated the account but ( see attached ) as of XX/XX/year> this account hasn't been updated I went over every single violation and found I'm also due monetary relief correct? I demand accountability and the removal of this account immediately. ( see attached list of laws )
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , EXPERIAN , AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$240.00}
Product: Money transfer, virtual currency, or money service

I had so many fees when I complained they closed my account down over about XXXX dollar in fees
Product: Debt collection

I called Bank of America in beginning or mid XX/XX/XXXX to pay off my debt. They promised me that they will clear the debt and the negative remark on my credit report after the debt has been paid but to this date XX/XX/XXXX, which is almost a year later, and the negative remark still on my credit report even though the debt has been paid off! 

Please investigate and help me with this!
Product: Credit card

I was sent a XXXX letter stating my AmEX Platinum Delta Credit was canceled do to abusive language to their representatives. 

I made two phone calls asking for resolution and they stated this was permanent cancellation. 

The only recourse they gave was to subpoena for the information that caused the cancellation. They would not tell me if I where the subpoena should be sent they would not provide me the information. 

I have attached the letter from AmEx dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On more that one I had requested writing to to proof the debt is mine or that i have any contracts signed by me, i had filed a dispute but there has not been any removal
Product: Student loan

1. XXXX XXXX XXXX taken out in XXXX 2. Loan originated with XXXX to send our son to XXXX XXXX XXXX XXXX  Paid full payments monthly, never late. 
3. My husband was injured by a fall and was no longer able to work. Since his income was over XXXX of our total income at that time, our finances were turned upside down. 
We sold possessions and did everything possible to keep our home and our bills paid on time. When I contacted XXXX, it was recommended that I put the loan on forebearance so we wouldn't need to make the payments on the college loan. 
It was my understanding that the payments due were going to be added to the end of the loan. I did NOT realize that the interest would continue to accrue on those missed payments, not that I really had a choice anyway. I don't understand how this is helpful or even fair to a person who is already facing a hardship. 
The loan principal in XX/XX/XXXX when it went on forebearance was {$78000.00} 4. In XXXX was transferred to XXXX and all the accrued interest was now rolled into the principal of the loan. So now I was paying interest on the interest of the loan. 
The new loan principal was over {$100000.00} 5. I applied for income based repayment to attempt to pay the loans down, but the full payment was going to the interest of the loan. I was getting nowwhere. 
6. I made continuous calls since XXXX for better options as I can't get out from under the loan interest. I went through multiple applications, gathering data and submitting all the requirements only to be told the same thing each time. 
These are Parent Plus loans, we can't help ; there is no program available for the parent plus loan other than the Income Based Repayment. 
7. In XX/XX/XXXX my loan was once again transferred and once again the interest has been tacked onto the principal of the loan. 
My current principal balance is {$200000.00}. 
My income based repayment amount is {$420.00} I will NEVER get out from under this loan. 
I need help! PLEASE!
Product: Debt collection

National credit adjust is say I owe {$3900.00} that I have no knowledge of.
Product: Credit card or prepaid card

My complaint is with Care Credit. On XX/XX/XXXX, I had an outstanding balance of {$5000.00}. {$3100.00} was in " regular interest-accruing purchases '' ( or promotions that have run out and I'm now paying interest on ) and {$680.00}, {$190.00} and {$970.00} are promotional purchases. I investigated where my payments are going and none go to the promotional purchases. I looked up the contract. It specifically states you can decide where your payments are applied. Looking over my history - I see all payment go to the interest earning amounts so none go to the promotional amounts. Therefore, the promotions, for me anyway, have been useless, completely deceptive and have cost me {$100.00} 's if not {$1000.00} 's over the years. I called on XX/XX/XXXX to speak to customer service. First of all, you wait 30-60 minutes to reach someone. Then the person I spoke with could NOT understand, or did not WANT to understand how I wanted my payment to be applied. After much frustration, I asked for a supervisor and he would NOT transfer me. So, I started the process again. Waiting forever on hold then speaking with another man who was VERY understanding. After much discussion, he was going to apply {$140.00} to my {$680.00} promotional purchase, {$25.00} to the {$190.00} promotional purchase and {$170.00} to the {$3100.00} balance He even gave me details stating that I would then owe {$540.00} on the {$680.00} balance and {$170.00} on the {$190.00} balance and {$3000.00} on the {$3100.00} balance. After this payment posted it all went to the {$3100.00} balance. This will mean I never pay of the promotional purchases within their time frame. I called back on XX/XX/XXXX, only to wait again forever, and finally hung up. This is fraudulent behavior and I am willing to fight this to the end. There are a myriad of complaints about this company and nothing has seemingly been done by the XXXX. Care Credit 's website states payments can be applied as desired ( I'm sure it is within some guideline around minimum payments but that is NOT stated, however I paid well above the minimum payment required ). Researching I see that this has always happened with Care Credit on my account. I was very upset for days about this. Their practices are and fraudulent. PLEASE HELP. I WILL NOT SPEND HOURS WITH CUSTOMER SERVICE EACH MONTH TO CALL IN AND EXPLAIN MY DESIRE TO SOMEONE THAT " DOESN'T UNDERSTAND '' OR DOESN'T SPEAK MY LANGUAGE - ONLY TO HAVE THEM COMPLETELY LIE TO ME ONCE I GET SOMEONE THAT SAYS THEY WILL HELP. I will pay this off and never use this card, or any card, associated with Synchrony Bank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX and per equifax, I would have results from my dispute by XX/XX/XXXX. I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. XXXX {$1100.00} XXXX {$1500.00}
Product: Credit card or prepaid card

I had an AARP XXXX Credit Card from Chase Card Services ( account # XXXX XXXX XXXX XXXX ) for many years through to XX/XX/2021 XXXX which time AARP advised that they were transferring their accounts from Chase Card Services to XXXX  XXXX XXXX through XXXX. On XX/XX/2021 I mailed a check payment ( XXXX XXXX XXXX check # XXXX ) to Chase for the current statement for existing balance in the amount of {$350.00} I tracked the payment so that I would have a XXXX outstanding credit balance at the time the account was to be transferred to XXXX XXXX on XX/XX/2021. When I called Chase on the statement closing date of XX/XX/2021 the automated account information stated that no payment was recorded and that my balance was due. With this information, I wrote another check ( XXXX XXXX XXXX # XXXX ) to pay the {$350.00} balance in person at a Chase Bank branch. I didn't stop payment on the original check # XXXX which I thought would " cross '' the account and the check would be returned to me. This didn't happen. 

What happened is that my XXXX bank statement arrived by mail mid XX/XX/2021 showing that check # XXXX payable to Chase Card Services cleared my bank on XX/XX/2021. I began calling Chase customer service XXXX and was repeatedly told they did not have any credit card account under my name or account number and referred me to XXXX. XXXX was not able to help. Their account information was that I had a XXXX credit balance transferred from Chase on XX/XX/2021. 

I had tried to find the way to file a complaint sooner but could not get the correct website information. Today I called the XXXX XXXX XXXXXXXX XXXX XXXX XXXX number and was able to get a representative who gave me the information for Consumer Financial Protection Bureau. I want to have my duplicate payment returned in the amount of {$350.00}. I would appreciate your help.
Product: Credit card or prepaid card

XX/XX/20 XXXX  was used to place order for a XXXX XXXX XXXX XXXX XXXX  for {$51.00}. The tracking # XXXX for XXXX was given. Delivery notification for XX/XX/20 was emailed, but no package was found. XXXX was contacted and verified package was not delivered to correct address, nor had my name attached. Charge was disputed with Discover. XX/XX/20 the XX/XX/20 XXXX email was provided to Discover. Discover has reinstated the {$51.00} charge without contacting XXXX to verify juicer was not delivered. Seller is no longer on XXXX.
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 ). 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. 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

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX under the account number ( XXXX ), an account opened at XXXX XXXX XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ), an credit card account opened at XXXX XXXX under the account number ( XXXX ) an credit card account opened at XXXX XXXX XXXX XXXXXXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX on XX/XX/year> with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. 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 maintained 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 FTC Identity Theft Criminal Complaint # ( 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: Debt collection

I experienced financial hardship in XXXX in XXXX I was forced to file bankruptcy - Navy Federal was one of the accounts that I had to include in the bankruptcy filings, the amounts of the loans were XXXX and XXXX. These two loans were included in the bankruptcy filings. The bankruptcy was discharged XX/XX/XXXX and the civil case number for the proceeding is : XXXX. 
While attempting to rebuild my XXXX XXXX XXXX continues to report the account balances late, and have been reporting the balances late immediately after the discharge on XX/XX/XXXX. 
While I am attempting to rebuild my credit and my life, Navy Federal Credit Union continues to try and thwart my efforts by reporting the balances as past due each and every month. I believe that this is clearly a violation of the FCRA of XX/XX/XXXX ; These are willful and negligent violations which continue to decrease my credit scores and my FICO scores. 
I sought the protection of the Bankruptcy law however XXXX XXXX continues to be in violation seeking payment of a debt that was included in the bankruptcy procedures. I have been provided a telephone number XXXX, to contact and I am consistently told that I still owe the debt.
Product: Debt collection

They keep calling my home phone and cell phone to speak with someone who does not live here over a debt that is not mine. I have told them repeatedly over the past 5 YEARS, yes 5 years that the person they are attempting to contact does not reside at my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I also have unauthorized credit inquiries on my credit file that I never initiated. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding the Re-insertion of Previously Removed Fraudulent Credit Inquiries by Transunion To whom it may concern, I am writing to file a formal complaint against the credit reporting agency Transunion due to the unauthorized re-insertion of fraudulent credit inquiries into my credit report, which had been previously removed following an investigation conducted in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I filed a dispute with Transunion concerning fraudulent inquiries that appeared on my credit report. After conducting their investigation, Transunion properly removed the inquiries in question. I received written notification fromTransunion confirming the removal of these items from my report. A copy of that letter is attached for your reference. 
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 XXXXXX/XX/XXXX However, upon reviewing my recent credit report, I have noticed that these fraudulent inquiries have been reinserted without any valid justification. This constitutes a violation of the FCRA, specifically with regard to the re-insertion of inaccurate information without providing the proper notifications required by law. 

I respectfully request the CFPBs intervention to ensure that Transunion rectifies this issue immediately by permanently removing the fraudulent inquiries from my credit report and ensuring that such errors do not occur again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received notification from the credit that Credit Acceptance is reporting 180 days late payment when the account was in good status. The car was paid off XXXX closed in good standing and I have the title in hand. I am not understanding why this company is updating the report as if I still have an open account the was paid and close back in XXXX