23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Capital One Buy power card, where if you pay on time they still charge you a late fee because they take 3 days to process your payment. So the only way to avoid late fees is to pay a week early or enroll in there autopay option. After escalating this as far as possible I received a call from XXXX from a women named XXXX. Saying " the late fee was removed but it will happen every month and I will have to fight it unless I pay early or use autopay. This is the policy and nothing will change it. '' I do not believe it is far to charge late fees for paying on time. I saw it and fought back how many people do n't see this happening to them and are paying this ree every month. This is a crime and should not be allowed
Product: Money transfer, virtual currency, or money service

My money concern/issue is with Block, also known as Square Bank , who is the company that oversees the Cash App platform. The problem started in the 2nd half of XXXX  after the COVID-19 pandemic started and my account had approximately $ XXXX $ XXXX. My credentials to log in became useless to get into my account and access this money because my tablet was stolen and the thief immediately knew what they were doing- they changed my email password ( XXXX ) and then my phone number was also no longer valid shortly later. So, there's no way to log in without those XXXX things to receive a OTP to log in with. Customer support won't help me get in my own account because there's been a lot of time that's passed by now and when they try to do a human verification on me to reset the account for accessibility, they deny me and won't tell me why. There's between $ XXXX $ XXXX of my hard earned money that's been sitting in my Cash App account that the company themselves won't help me to access for retrieval of the funds. Please help me. I can give as many more details as you'd like.Thank you for your time and patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my husband have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( Equifax, XXXX and XXXX ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Had an atm error at a branch location when they were closed. {$1100.00} was not credited to my account, called corporate got nowhere ( ridiculous process ) eventually spoke with branch and even met with them days later. They could confirm I deposited said amount of cash but informed me there was nothing they could do other than issue me provisional credit in 10 business days which is insane. Finally I was told the branch manager was contacted and would likely be able to issue me immediate credit until the issue was resolved but it was never followed up on. Im now 5 days going on 6 with {$0.00} assistance, no actual timeline for reconciliation. First issue Ive ever had like this and an absolute failure on US Banks part from a customer service standpoint.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that XXXX XXXX  took off the 120 days late status and marked my account as charged off. How the heck can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made 5 consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
Product: Student loan

Navient refuses to accept a letter from our bank allowing us to make online payments. They have requested we send a letter from our bank, which we have done 3 times now, and they continue to refuse to open online payment options. Because of this, we are forced to call and make our payments. We have 2 federal loans and 2 private loans. At least every other month, they inaccurately allocate our payment to overpay the private loans and make our federal loans late. This results in late fees. When I call to correct it, they refuse to do so without my husband, the borrower, on the phone to correct it, stating they can not make changes to the account without the borrow, even though they had no trouble accepting the payment when I called. I have requested to speak to supervisors and am never helped any further. This is absurd. We pay our bill every month, and they constantly XXXX it up. The phone assistants we speak to are usually very sympathetic and helpful, but their hands are tied due to Navient 's awful and sketchy customer service policies that seem to be out to make it difficult for the borrower to make payments and make them on time.
Product: Credit reporting or other personal consumer reports

n 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Summary of Accounts being challenged in list form DEPT OF EDUCATIONXXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX & XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX US DEPT OF EDXXXX XXXX XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXXXXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) - XXXX XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify 3 credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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
Product: Checking or savings account

XX/XX/2022 savings account frozen won't allow me to withdraw available funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED INACCURATE/FRAUD CREDIT CARD ACCOUNT THAT IS REPORTING ON MY CREDIT REPORT. CREDIT BUREAUS WAS GIVEN XX/XX/45 TO PROVIDE PROOF FROM INVESTIGATION THAT THEY USED TO SAY THE DEBT WAS VERIFIED. CREDIT BUREAUS REFUSE TO PROVIDE ME WITH INVESTIGATION RESULTS OR TO REMOVE THE XXXX COLLECTION FROM XXXX XXXX XXXX XXXX XXXX AMOUNT OF {$26000.00}.
Product: Credit reporting or other personal consumer reports

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

in accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). 
experian and XXXX have not responded and they haven't removed this fraudulent account. i filled out a ftc report for this account and they still ignore me. 
pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed to do anything for two months in a row. 
thats against the law and its been more than 30 days since my last letter on XX/XX/2022 Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, htis is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. 

experain and XXXX are breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Frankly an opinion formed by direct response from a lender- " XXXX '' provided my FICA score. THEY- XXXX outright lied to me if what I was advised is correct. XXXX gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.
Product: Credit card or prepaid card

hello I pay my bills off in full every month.     From m y  XX/XX/XXXX  statem ent, I owed {$1100.00} and made paym ents of   XXXX   XXXX  , 2017 : {$1 20.00}  ( before due date )   XXXX   XXXX  , 2017 : {$35.00} ( befo re due date  )   XXXX   XXXX  , 2017 : {$990.00} ( after due date ) for a total of {$1100.00} This does not include returns also.    Even if you go by their premise, they are charging me {$10.00} for what?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via Experian, XXXX XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries listed on my credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my knowledge or consent, and I am requesting their immediate removal.
Product: Checking or savings account

XX/XX/XXXX I dispute a charge of {$100.00} from a company by the name of XXXX XXXX. I did not authorize this charge and wasn't aware of who did. On XX/XX/XXXX CURRENT bank denies the dispute and gives no reason why. On XX/XX/XXXX I ask Current for the merchants info and they can't produce. I make them aware that i disagree with their decision because i can't even reach this XXXX business and Current informs me i can't appeal their decision without 1 ) a receipt from the transaction 2 ) a screenshot or some type of document showing i contacted this company Since it's impossible to reach the company and nobody knows how or where to contact them I believe my appeal should be granted! Current disagrees and keeps the {$100.00} This is clearly an instance where the bank is using their corporate power to take advantage of the consumer. It's a simple problem I did not make the purchase therefore i wouldn't have a receipt! This company is in XXXX somewhere and does not come up in a search of the World Wide Web. After further research XXXX  is a type of cryptocurrency and Current bank does not allow purchases at crypto sites! 

Resolution= Please be decent and return the {$100.00} and if the bank can't reach the merchant then release the funds instead of holding!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account in collections on my XXXX credit file that I do not recognize, the account is showing with a status of in collections but the problem is that I never had an account with this company called ERC or XXXX XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2016. I have disputed this account with XXXX and for some reason they tell me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Product: Credit reporting or other personal consumer reports

An account from NCD Financial LLC appeared on my credit report with a {$0.00} balance, a {$5000.00} credit limit, and a status of " Open/Never Late. '' I do not recognize this account and have no knowledge of opening it. I believe this may be an error or fraudulent activity. I requested validation of the account, including proof of ownership, documentation verifying my obligation to repay, and a detailed account history, but I have not received any information.
Product: Credit reporting or other personal consumer reports

I believe my identity was stolen. I filed a report which is attached and the inquiries in question
Product: Vehicle loan or lease

Car broken down so i couldnt pay for a car that broken and a car payment too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Ln # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.
Product: Checking or savings account

This started XX/XX/2023, some mobile deposits were made not by me, and they were fraudulent checks. Then withdrawals were made using XXXX XXXX which I don't have I don't even know what that is, and XXXX. I tried and tried, I spoke to the fraud department was told, I needed disputes so I talked to them. I was told that I did this, and took the money. I didn't do this. I wouldn't do this when XXXX weeks later our social Security was going to be deposited. I just want what is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and XXXX indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.
Product: Credit reporting or other personal consumer reports

I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, Transunion and XXXX have not attempted to remove, nor correct any information. XXXX, Transunion and XXXX also failed to remove improper addresses/spelling of name
Product: Credit reporting or other personal consumer reports

Hello and good day, please read my complaint carefully. This has been already deleted by XXXX and XXXX so I don't know why you keep reporting this on my credit report which is absolutely frustrating, my new credit applications are getting denied because of this. This is a blatant violation of my rights as a consumer and also to my right to privacy. I never gave permission for this information to be reported on my credit report. Information reported is not accurate, this is hurting my credit score and impacting my life negatively.
Product: Checking or savings account

I received a debit card in my name and the company the it was opened under is not helping me Upgrade Debit Card I called the number on the back of the card XXXX I was transferred numerous times and no one can help me
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XX/XX/XXXX & XX/XX/XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXK ) XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX CO ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXXXXXXK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.