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

I was reviewing my credit report and found numerous errors relating to XXXX  loan late payment history. The credit report agency has the responsibility to report accurate information. During the government shut down aka the PANDEMIC XXXX late payments and collection status was placed on each U.S DEPARTMENT OF EDUCATION LOAN ACCOUNTS ... AS THIS REPORTING NOT ONLY INACCURATE BUT ILLEGAL. XXXX  LOAN PAYMENTS WAS PLACED ON PAUSED DURING THE PANDEMIC XXXX  LOAN PAYMENTS RESUMED IN THE FALL OF XXXX. 
If you click on my XXXX  loan payment history it shows late payment and collection status was inaccurately reported during that period. 
I've contacted each credit bureau, filed multiple complain reports, and they neglected my concerns. I also sent certified letter to XXXX on XX/XX/XXXX. I was told they never received it, I will attached the certified receipt below. 
I also contacted the US DEPARTMENT OF EDUCATION and I was told they did not report any late payment on XXXX  loans during the PANDEMIC. 

XXXX EQUIFAX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX BANK XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and income under IRS Publication XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered income per IRS Publication XXXX, should not be included in consumer reports, as explicitly mandated by federal regulations. 

However, XXXX BANK XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. The erroneous reporting persists despite my attempts to rectify this issue directly with XXXX BANK XXXX by disputing the inaccurate information on my consumer report. This continued misreporting has substantially hindered my access to credit and financial opportunities. 

Furthermore, XXXX BANK XXXX XXXX actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX BANK XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : XXXX BANK XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws to protect consumer privacy and ensure fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX BANK XXXX for their egregious violations of federal statutes. 

Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Vehicle loan or lease

I filed a XXXX  XXXX in the State of Florida which has been discharged for a year now. When going through the bankruptcy with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I entered a repurchase auto program. It turned out to be the worst mistake in this process. After 1 year the auto XXXX XXXX XXXX XXXX is only worth XXXX purchased at XXXX just a 1 year of ownership. I was a homeless XXXX Veteran just trying to get back on track. XXXX XXXX XXXX XXXX FL and all parties involved really XXXX me. I already suffer with major XXXX XXXX from my military enlistment and this has me broken. I have a XXXX XXXX that helps other homeless vets and the less fortunate. We're in need of the right pickup truck to pull our grills feeding the community of veterans in need. I can't trade this vehicle in as I'm so upside down and just broken in spirit. XXXX XXXX XXXX was the company my Attorney referred me to. 

Thank you
Product: Debt collection

In 2012 I did get a call from a travel company ... With thier good sales skills they had me interested in signing up with a company XXXX ... We discussed many things about the company " XXXX XXXX XXXX XXXX '' but when it came down to business they was sending me a bill saying I owed money when we agreed on paying the first payment being 45 days after I signed up ... I gave them my credit card information and also called when I did n't see payments being removed ... I even reached out to them in phone calls and emails ( which I still had saved ) and no response ... Then a few months later they put me in collections ... I never even used anything in the travel club but they put it in collections and recently I saw the amount increased in my XXXX for another {$700.00} now it is up to XXXX dollars ... I want this company removed off of my credit ... Like how can you put something in collections and never send out one mail stating you owed a debt ... I never received a letter for Conrad credit Corp but they took over " XXXX '' depts.. The reason I know this is because I called once asking what is this on my credit and they mentioned this to me ... I would really appreciate if this company is removed off of my credit ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans XXXX XXXX XXXX XXXX XXXX XXXX? XXXX?? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021
Product: Mortgage

I have a project to purchase a home and I not available to prove due to my file on my previous mortgages show that has balance since the mortgages has been paid in full I need to remove or show that has been paid in full because that wrong information is affected my purchase home. 
Also I have been sent a document to prove on my complaint
Product: Mortgage

TO WHOM IT MAY CONCERN : I am writing in response to recent conversations with Select Portfolio Servicing, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. For the past XXXX years, I have been in dispute with SPS regarding a Foreclosure Action that commenced in XXXX, at which time XXXX was the Servicer. SPS has adamantly refuted that a foreclosure action previously occurred and the foreclosure action did not commence until they initiated the action, XXXX XXXX. There are numerous phone calls, discussions far and in between the past month. 

I spoke to XXXX XXXX of Select Portfolio Servicing Advocacy Department, XXXX XXXX, XXXX. XXXX XXXX advised that she would be sending out a response letter stating that SPSs position remains the same regarding the on-going dispute that a foreclosure action occurred in XXXX. XXXX XXXX also asked what my intentions were with the property and questioned why I was not evicted if the property was already foreclosed upon. For more than two years SPS has denied knowledge of the mortgage servicing deficiencies that were unresolved prior to XXXX XXXX XXXX transferring the servicing rights to SPS, XXXX XXXX. Yet, SPS and its third party Attorney, XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, now known as XXXX XXXX XXXX attested to having full knowledge of the information filed with the XXXX Courts XXXX XXXX XXXX, Maryland and Maryland XXXX XXXX. 

I am vexed at SPSs repeated failure to acknowledge my inquiries and questions regarding the unresolved mortgage servicing deficiencies that were initiated at the commencement of the foreclosure action in XXXX, which resulted in the purchase of the property XXXX XXXX, XXXX, by the alleged secured party, XXXX Bank, XXXX, NA, Trustee for XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. The trust is in fact governed by New York XXXX XXXX. At the time of the commencement of the foreclosure action the note had not been assigned to the trust. In fact, the note was transferred to the securitized trust XXXX XXXX, prior to XXXX XXXX XXXX transferring servicing to SPS, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft and XXXX XXXX.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Experian comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX 
XXXX fraudulent account 's ( XXXX XXXX XXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX XXXXXXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX  and XXXX out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXX by the Department of Homeland Security XXXX years ago proving that I was an XXXX and XXXX XXXX XXXX 
Please have Experian comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Experian. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, 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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate and redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up 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 accounts 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 alleged fraud or extortion. 
XXXX XXXX  XXXXXXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been trying to fix the inaccuracies from FedLoan. I have tried disputing, writing the ceo and complaints. I have never been late. However, there are 5 loans that were closed due to consolidation that have one late payment each. This is hurting my score tremendously! Unfortunately, I was recently denied from XXXX XXXX XXXX  due to the 5 late payments. I am in need of these items to be corrected. The late payments that are showing the accounts were in deferment.
Product: Credit card or prepaid card

I had an account with Barclay credit card which opened in XXXX. I paid the minimum amount due on time, ( can provide proof ) but my account closed anyway. The reason given was that my credit score was low, even though I was paying Barclay to build my credit rating. 

I can provide my payment history and the letter advising they were closing my account because of my credit score. Which should not have been a factor to them. Unless, Barclay needed to offset their profits as a charge off?! 

Since my account was closed without just cause, I made payment arrangements to pay the balance. But, the interest rate is more than the balance. So, another scenario, it was more profitable to close my account, and double the interest rate. Either way, I feel this is an unethical business practice. Each year the interest rate has doubled. My credit limit was {$1500.00}, as of XX/XX/XXXX, Ive paid {$1000.00} and my current balance shows XXXX 

Please review and help with this unethical business practice. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting incorrectly. It is not past due and is current.XXXX  just changed my status to past due falsely claiming I have missed a payment and have a past due balance and that is inaccurate. It has caused my score to decrease drastically. Update account ASAP and remove the late payment. Ive only had XXXX late payment for them since XX/XX/2024. Every other payment has been current since
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Received letter XX/XX/XXXX stating they had funds ( unclaimed property on checks I never received ) from my escrow over payment and for me to sign letter to receive the funds. The funds were from XXXX. I signed letter and emailed it to them as instructed on XX/XX/XXXX. 

I called them and verified receipt in XXXX. I called again in XXXX, XXXX, and XXXX. I was told my request was being expedited every time I called. Last time they said if I have them resubmit my inquiry it will delay it. 

I have not received the funds yet anf it is becoming rediculous that it takes this long. I need assistance getting my funds. Not sure if they can also pay interest. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i send 5 letters to Equifax, disputing wrong information, those are : inquires being reported that were not done by me, wrong names, wrong address that i never lived on, they have refused to do anything about, they simply send a letter saying the are factual records, which they are not, 5 letters have send they refused they causing damaged to my credit, this company needs to be fined and shut down, I was the victim of Identity Fraud 2 years ago..since then i been trying to delete errors from my credit and Equifax is the worse, there is no proof on any of these inquires, since they were not done by me..still they refused to delete them..they don't verify as well don't care about the consumer and are causing damaged to people credit, hurting the availability of getting or credit or low rates. 

Wrong name XXXX, twice i never inquire or ask for a lease XXXX card i never apply for it
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX this year, I completed an international wire transfer for an amount of {$27000.00} with an associate of Bank of America, her name is XXXX XXXX at XXXX XXXX XXXX. The wire transfer was supposed to go to XXXX XXXX, she incorrectly sent the money to XXXX XXXX, the beneficiary does not have and never had an account with XXXX XXXX. When I went to Bank of America to take of that issue, they said they sent a request to XXXX XXXX and the said that XXXX XXXX responded that they were waiting for the beneficiary to authorize them to refund the money. Because they said they were waiting on him to refund, he went to the bank in person with his ID, they wouldn't talk to him because he doesn't have an account with them. I went to the bank of America several times, requested them to refund the money, every time they told me they are still waiting on XXXX XXXX, but lately they said that XXXX XXXX does not reply them anymore. I am looking for help now, I am so frustrated, exhausted, physically and mentally tired. When I have a day off I have drive to the bank. I'm begging for help please and thanks in advance. 

XXXX XXXX
Product: Debt collection

THIS COMPANY FRAUDULENTLY ADDED AN UNKNOWN BALANCE TO MY CREDIT REPORT AND PUT IT IN COLLECTIONS. I DO NOT OWE THEM ANY DEBT. I DO NOT HAVE A SIGNED AGREEMENT OR CONTRACT TO MAKE PAYMENTS TO THEM. I HAVE NOT CONSENT TO ANYTHING FROM THIS UNKNOWN COMPANY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated und

er 15U.S.C 1681 Section 602 A. Section I has the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reportin
g agency can not furnish an account without my written instructions. 

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

This is my third 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, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}