23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
US Bank XXXX
Product: Credit reporting or other personal consumer reports

On or about XXXX, XXXX my wife was approved for a new car loan from XXXX XXXX XXXX, of which I am the co barrower. Ach payments were set up to have been automatically withdrawn from our joint XXXX XXXX checking account by my wife, in order to never be delinquent on the new car loan from XXXX XXXX XXXX. XXXX did in fact receive the payment for XX/XX/XXXX from XXXX XXXX without any problem. However the payments for XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, once issued by XXXX XXXX, and received by XXXXXXXX XXXX was not accepted by XXXX, and without any notification, nor explanation, the payments for the above stated months were all returned to XXXX XXXX! This error which has been caused by XXXX, currently appears on both my wife 's credit, as well as my own, which has adversely effected our credit score! My wife 's credit score was over XXXX points, and my score was over XXXX points. We now are being punished for a problem that was caused by XXXX, and not by my wife, and I. Almost all of our credit cards have been reduced to {$500.00} because of the appearance of being delinquent which has been reported on the credit reports. And our ability to obtain any personal loans, have been impossible to obtain, again because of what XXXX has reported to the credit companies. I have tried several times to resolve this issue with XXXX, by having 3 way phone conversations between XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and myself, but to no avail. Representatives from XXXX have even told me that if I could provide documented proof of their error, they would in turn contact the 3 major credit companies with the updated and correct information, and that they would have the report of delinquency removed from my wife, and my credit report. and after I have gone into a XXXX branch office, and provided them with photographic proof of XXXXXXXX XXXX XXXX error twice, this promise has not been fulfilled. Please note, that once I became aware of these actions caused by XXXXXXXX XXXX... I paid the account out of my XXXX checking account in XXXX of XXXX, which brought the account to the status of current, and it has been current since XX/XX/XXXX.
Product: Credit card

I had a credit card with Wells Fargo. I am unsure if I requested it or it was given automatically. I had a credit limit of XXXX on the card and had a mortgage and my salary directly deposited into my checking account at the bank. I had no issues until some months later when I incurred a XXXX monthly fee. I inquired and was told that in order to not have a monthly fee I would need " direct deposit and a we credit card with a limit of at least XXXX. '' I told the representative that I met that criteria and then I was told that my credit limit had been reduced to {$1400.00}, unbeknownst to me. So the bank decreased my credit limit so they could start charging me a XXXX monthly fee. I was livid and still am, but it is time consuming and super frustrating to re-establish my mortgage and accounts with another bank, but boy would I love to do so. I have been paying this now for at least 2 years and thought I had no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX by phone and spoke with an agent. I informed them that I have a revolving credit line ( credit card ) with XXXX since XXXX that does not get reported on my credit report. I have already spoken to XXXX on many occasions regarding this and XXXX has assured me that they report to the credit bureau every month. The agent at XXXX told me that they do see the account in question however due to a balance dispute in XXXX, they have removed my account from the credit report. I asked XXXX that I would like my account to appear on my credit report because I have had it for 8 yrs, and the credit line is {$33000.00}, which both aspects would improve my credit score. XXXX told me there is no way to bring the account back on my credit report. I believe this is incorrect and does not follow the FCRA as my credit report is incomplete and inaccurate. The debtor is reporting every month, I am requesting the account to be reported, but XXXX is stating it can not. 

I contacted XXXX and XXXX has stated they will start reporting my account. When I contract Equifax ( also spoke to them on the phone today XX/XX/XXXX ), they inform me they do not see the account at all. XXXX has confirmed for me that they do report monthly to all 3 credit bureaus. So my dispute is with XXXX and with Equifax.
Product: Credit reporting or other personal consumer reports

These transactions were not made by me. I did not give Equifax, XXXX XXXX or XXXX written consent to furnish this info on my consumer report.
Product: Mortgage

They are trying to foreclose on my house, I am scared for my life. Please get to the bottom of why they are trying to foreclose on me. I paid the XX/XX/2019 payment, I have proof it's attached. They have nothing but retards hired and are trying to punish me for their retards faults. That was never an issue, I did not even ask about that, did i? Are YOU XXXX????. I have received multiple letters from them claiming they will foreclose. Why?????? could care less about a payment that I did make, find out why they are trying to kick me out of my house? I'm being discriminated against for being a minority single male. Please find out why I am being foreclosed on, once again I repeat find out why I am being foreclosed upon illegally. I will seek legal action after I receive this next response, because I know it will once again be less than satisfactory. 


see the attachment it shows where I paid the payment in full the next month. I had to cancel the check on them because, i made a {$250.00} extra principle payment, loan care XXXX  put it towards interest instead of towards principle. So I cancelled the check and made another one that did not have extra principle since they made it obvious they will be XXXX XXXX  and put it towards interest even tho I wrote " additional principle '' on the check. Loan care is punishing me because they don't know how to handle an escrow account.
Product: Money transfer, virtual currency, or money service

I made a payment to my XXXX XXXX XXXX XXXX for {$780.00} on XX/XX/2022 electronically from my Citi Bank account in error. The payment should of went to the new company that XXXX 's sold the XXXX card to which was Comenity Bank. My bank XXXX sent me the information showing that my electronic payment cleared through XXXX 's but XXXX 's never sent the payment over to Comenity Bank or sent the payment back to myself, they just held the money the payment for {$780.00} for a year now. I am attaching all the information from XXXX Bank showing I made this payment and also a copy of my bank statement showing the electronic payment went to XXXX 's and cleared at XXXX 's. XXXX 's sent me now a letter stating that the payment was sent to Comenity BankXXXX XXXX XXXX Comenity has been charging my account interest for the XXXX as I've been running in circles trying to find out which company has my electronic payment. This has been going on for over a year now nobody can find my payment. Both XXXX XXXX XXXX and Comenity Bank say neither have my payment, but XXXX Bank shows me making a payment and a debit for XXXX in my checking account. I am sending all of the supporting documents in hopes someone can assist. 

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

Hello, my name is XXXX XXXX. And I 'm a little concerned about this incorrect information that is inaccurate on my Transunion credit report. There is a collection on my report owned by XXXX XXXX XXXX in the amount of {$1500.00}. First, I have no contract or anything bearing my signature that would make me responsible for this debt as my contract was not with XXXX XXXX XXXX. Second, back in the beginning of XX/XX/XXXX the information was n't listed on my report, but was reinserted towards the end of XX/XX/XXXX. How is this okay? Also, the amount listed is incorrect. I have reached out to Transunion to correct the information, but they have not been very helpful. With all of the recent data breaches and such with these different credit reporting agencies. It 's very important for me as a consumer to have accurate information listed. I 'm hoping that the CFPB can resolve this issue for me and have the incorrect information removed from my credit report.
Product: Checking or savings account

My phone with wallet case was stolen. I keep all my cards in my wallet. I thought I had left my chase card at home. I went out of town to tend to my mother as my dad had passed away, and when I returned I realized my chase card was gone as well. I keep everything in my phone. 

I contacted chase and canceled my card. Someone had put checks through my account-the man I talked to assured me that I would get reimbursed if any of my money had been stolen and that they were doing investigation. At that time my account was {$700.00} negative. My direct deposit hit my account and they took almost my entire paycheck to cover that amount. I called the bank. After 2 days they completed the investigation and said i knew about and authorized the transactions. I am floored. They robbed me of my.money and basically said i was a criminal committing fraud. I have never had an issue with this bank. I told them to watch the video because I wasn't in town and definitely did not go to atm. That money was all I have until the XXXX. I have no food in my fridge. They robbed me, when I should feel safe and protected by my bank. Please help. Sending copy of the checks. And transactions.
Product: Consumer Loan

I have not received any communication from this company. It 's reporting to my XXXX credit report and the original creditor listed is XXXX XXXX and I 've never had an acct with them or purchased any merchandise from XXXX.
Product: Debt collection

Kansas Counselors and XXXX XXXX are attempting to collect a debt that is not mine. The debt is for my son. They have reported it to the credit bureau and it is affecting me negatively. I have a court order in place since XXXX that states that My childs father is responsible for all medical debt and to provide medical insurance for him. I have reached out to both companies on numerous occasions to resolve this issue. I sent them copies of the court purser signed by the judge stating that XXXX is responsible and they refuse to take this off my credit report. They told me that the court order is irrelevant and I am responsible since it is my sons bill. The date on this collection account is XX/XX/XXXX for the amount of {$270.00}.
Product: Student loan

I have been paying for over 20 years on two student loans that are now held by Nelnet as of XX/XX/XXXX. Today, I spoke on the phone with a Nelnet customer service representative and learned that I have been accruing capitalized interest at a rate of $ XXXX/month. This capitalized interest has been accruing without my knowledge and Nelnet has not notified me of the existence of this debt. 

When I asked the Nelnet rep how I was supposed to pay off this capitalized interest that I am not being billed for and which has now grown to be a debt of {$1400.00}, I was told to just add {$64.00} to my monthly payment of {$360.00} even though that does not appear anywhere on the monthly statement as a debt I owe. However, if I only pay $ XXXX/month, I will keep up with the monthly interest accumulating but never pay off the total debt, right? That seems like bad advice and disingenuous. How can I pay off a debt that I never get billed for and never get notified of its existence? 

I spoke with another Nelnet phone rep named XXXX back on XX/XX/XXXX, to inquire why the extra principle payment I sent in was not applied to my loan and instead was issued as a credit on the following months statement ( statement date : XX/XX/XXXX ). I was told that I accrued interest of {$110.00} during a previous forbearance in XX/XX/XXXX-XX/XX/XXXX that had not been paid off so extra payments could not be paid toward principle until that had been paid off. I asked how was I to know about this and how could I pay it off XXXX said she would investigate and I have still not heard back ; in the meantime, Nelnet is apparently charging me daily interest without billing me for it and without informing me of the debt. 

I made numerous payments toward extra principle in XX/XX/XXXX before Nelnet purchased my loan and they were applied per my instructions to pay down principle. When I paid extra to Nelnet, it was not applied to either the principle or the capitalized interest but instead was designated as a credit to the following month 's bill. I could have easily paid of {$110.00} if notified of the debt ; now that it has grown to a debt of {$1400.00} ( and  increasing by the day ), it is much more difficult to pay off.
Product: Credit reporting, credit repair services, 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 account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX, XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 

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. 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to an adequate 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, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFFA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I have never had an account or contract with this company.. They have had a balance on my profile for money I do not owe them. The balance is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

TD BANK assumed my loan some-time during the 5th to the 10th year of the loan. The term of the loan ballooned on XXXX/XXXX/XXXX. I began a loan modification/ information/assistance on on or before XXXX XXXX XXXX. I submitted all financial/employ- ment info ... and when I did not get a reply & lt ; I called to learn they had been calling an invalid number to secure additional info. 
They were disingenuous, as they had my correct phone number aside from the incorrect phone number that they called numerous times without contact ... .even though they communicated with me via email to get verification/employment check-stubs on one occasion. 
They are adding thousands of dollars to the pay-off figure as I am now prepared to pay them in full as I have closed on a property XXXX/XXXX/XXXX They have increased what I owe them from {$34000.00} to the recent payoff calc. of $ XXXX..XXXX..thru XXXX XXXX. 
The worst thing about this ... if I had not been able to pay them ... they would have taken from me a parcel of LAND that I paid XXXX ( A XXXX loan in XXXX ) ... .and they have corrupted the process that would have given me the opportunity to continue pay interest for the land ... after paying for it, interest and principal for 10 years. I am grateful I can pay them off ... but I despise what they were going to do. I will pay them off and despise them for what what was going to happen -- -they were going to take my land! My request is to have them forfeit their fees to steal. {$34000.00} is what was owed XXXX/XXXX/XXXX. 
They do n't get to win ... they were not going to grant me a loan modification/continuance ... they were going to take it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried with all three credit bureau XXXX, XXXX and XXXX to remove the late payments from Select Portfolio. The late payments needed to be removed from my credit. I never got one statement at and was XXXX  XXXX XXXXXXXX. They mailed all the statements to Florida resident XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by 9 dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove select portfolio from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue select portfolio. I have tried to call select portfolio to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the war statement and awards for the section 5 in this application concerning my veterans ' status.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of XXXX XXXX from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B. It has come to my attention that information related to XXXX XXXX has been reported on my credit report without my authorization, which is a violation of my rights under the FCRA. According to FCRA Section 605B, it is illegal to report any information on my credit report without my permission.
Product: Debt collection

I do not owe {$610.00} to XXXX and AFNI , INC which I immediately disputed with XXXX! AFNI , INC is buying Bogus collection accounts to hurt consumers, it dropped my XXXX credit by XXXX points! I need this to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.