23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

TD bank is holding on to my {$2400.00} for no logical reasons I could understand and not crediting it back to my account. 
On XXXX, a paper check # XXXX for {$2400.00} and e-check # XXXX for {$2400.00} was debited from my account. 
On XXXX, same checks again were used to debit money from my account of which {$2400.00} from e-check # XXXX was returned but another {$2400.00} from # XXXX is not returned until now for 24 days. 
I have spoken to more than 10 customer care reps and their numerous escalations for hours and hours of my time as well as the assistant branch manager and it is still not resolved. On top of it, they are all so rude when I am dealing with loss of my hard earned money. I just need my money back from this bank and be done with them forever.
Product: Student loan

I am XXXX  and have been XXXX  for the XXXX  XXXX XXXX. Although, I am taking XXXX XXXX courses, instead of the traditional XXXX XXXX courses. Any time I take XXXX XXXX  courses it creates a loop that effects me and my cosigners credit score drastically. The Clearing House letter is not received until XXXX XXXX XXXX XXXX XXXX XXXX. For the first XXXX XXXX  of the XXXX, it does not show I am enrolled which causes my loans to be taken out of default for " not '' being a XXXX XXXX XXXX. Even though I am, my classes just begin later in the XXXX. It is the same amount of credits and full course just condensed to a shorter period of time. This falling out of deferment period greatly effects my credit score as well as the cosigner on my XXXX  loans. There doesn't seem to be a root fix for this issue currently since it's " just how the system works, '' I was told. For now, I can file for correction here, once I have my Clearing House letter, I was also told. So I spent time writing this out more thoroughly since I may have to do this very thing again in the future when I take XXXX XXXX  courses. Please see the letter from the Clearing House I had to special request to get before my XXXX  started. A letter that they may not be able to get to me any earlier in the furture. I have attached this document to remedy my credit score and put it back in good standing. I have XXXX loans that should show as in deferment with no missed or late payments via the start of this XXXX XXXX. There are XXXX under XXXX XXXX XXXX and XXXX for XXXX XXXX  XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX Please make sure this information is updated and reflected on the cosigners credit report as well, that is also associated on these accounts. Thank you and have a great day!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable XXXX XXXX, illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX and XXXX. I did not grant XXXX XXXX XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies. 

-Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH
AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

Portfolio Recovery Associates are suing me for {$1100.00} for a debt from XX/XX/XXXX. This was a bought debt from i dont know where. The attorney is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. This debt has reached the statute of limitations but they have started garnishing my wages as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX, I paid {$670.00} to one of my loans on MOHELA, which would have paid off this loan. The payment was withdrawn from my bank account on XX/XX/XXXX. As of XX/XX/XXXX, the payment has yet to be allocated, and the loan is still accruing interest, which the new total is now {$680.00}. I called on XX/XX/XXXX, and was told the payment would be added the week after, but it has not been added. I called again on XX/XX/XXXX, and waited over 3 hours but was not able to get connected with anyone to talk with. I emailed using the portal on the MOHELA website on XX/XX/XXXX, and XX/XX/XXXX but was given vague responses that did not resolve this issue. It has been nearly 3 months since I made my payment and am still waiting for my payments to correctly be added to my loans. This has affected my credit reporting and will incorrectly portray my tax information for XXXX if this does not get resolved.
Product: Checking or savings account

XX/XX/XXXX I went to a concert, they scanned my ticket let us in. And as we got in they canceled the show. XXXX was not coming! 

I emailed them XX/XX/XXXX. No reply until XX/XX/XXXX. I was unable to attend the new date they set. 

Their refund policy states I am due a refund if the show is canceled. 

XXXX  on behalf of XXXX  XXXX. 
I've disputed this XXXX provides proof multiple times to capitol one. They refuse to give me my money back. Please help! 


Seetickets submitted files stating their refund policy, ( if a show is canceled or the date is changed a refund is permitted ). 

I also attached the email from XXXX  XXXX stating the venue date was changed due to cancellation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was impact by the data breach in will like all things remove asap
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Closed Account I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX - Date of Alleged Late Payment XXXX, XXXX This account was closed and paid in full on XX/XX/2024 I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.

I have attached documentation supporting my claim, including : - Proof of payment and account closure - Copy of credit report highlighting disputed information Please investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.

Thank you for your prompt attention to this matter. 

Sincerely : XXXX XXXX.
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 credit score over 719XXXX has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 .This 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: 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 XXXX 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 XXXX XXXX XXXX  On XX/XX/year>. 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

Company says they are Portfolio Recovery and calling me at work about a debt I am not familiar with. Continues to call after I requested they not call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX, XXXX and Experian, this alleged debt has been verified. How did they verify the debt if the company has provided that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account immediately! 

XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an inaccurate account on my credit report with Experian, XXXX, and XXXX, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my Experian report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX XXXX and the account was already charged off during XX/XX/2017, not 90 days late. Experian should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what Experian is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On XXXX, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what Experian and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Balance XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX When was the Account opened XXXX XXXX XXXX XXXX Account Balance XXXX XXXX Account Name XXXX XXXX Account Number : Date Opened XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry Name XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Name XXXX XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX 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 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 distress, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed there was a lot of fraud from a company that i thought was handled a long time ago when I told them they had the wrong person back in XXXX. For some reason account resolution services has hit me with 7 hard inquiries on my account with all different prices. They call countless times. I had explained to them they had the wrong person and I thought this was all done with as they understood. Today I went into my XXXX XXXX which is XX/XX/XXXX. I have no problem providing any of my personal information but this is identity theft and fraud and nothing on here was ever signed or agreed upon by me. I do not know this company or the companies there working with. I would just like this to be resolved so my credit is accurate.
Product: Credit card

I have an Army/Air Force Exchange Service ( AAFES ) credit account that was charged off in XXXX. The only statement I have received with this account was this past XXXX. The charge off amount was {$9200.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$2700.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$3300.00}. However, in the statement I received just prior to filing my XXXX tax return stated that there was a total due of {$8300.00} and showed interest charged. It also stated that the account was now being handled by XXXX, a debt collector. With both my XXXX and XXXX tax returns paying the account, the total that should be remaining is {$3100.00}. I just received an updated statement showing a payment of {$3300.00}, which is {$17.00} less than what was garnished from my taxes leaving a balance of {$5000.00}. I contacted the company collections department and was told that they can and will continue to charge interest even though they sold the account to a debt collector. Furthermore, she tried telling me that as of XXXX, my debt balance was supposedly {$18000.00}. First this was never notified to me. Second, if there have only been two payments, my federal tax return totaling {$6000.00}, how can they try to claim I still owe {$5000.00} yet claim my balance in XXXX was {$18000.00}. They are fraudulently trying to collect {$1900.00} more than what should be remaining on my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer services and unfair practices, which violates the 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. Further more 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every XXXX. I will file for litigation if I have to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an auto installment account ( opened XX/XX/XXXX ) that was charged off. First date of delinquency on this account was XX/XX/XXXX and should be removed by now. Balance is XXXX. Spoke with a rep that verified this information but said the account can not be removed.