23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sallie Mae debt collector called my work at XXXX on Tuesday, XX/XX/2019 leaving a message stating " it is really important that you call her back. She will be there until XXXX XXXX '' The same person called my husband leaving a message on his phone stating the same thing. He suffers from XXXX from serving in the XXXX for 11 years and does not handle stress at all. This just added to his issues. I am enrolled in the XXXX XXXX XXXX program and have been making all of my payments since beginning. I can not have them call my work. I can not have them call my husband.
Product: Payday loan, title loan, or personal loan

XX/XX/18 not first time either. They come to my house honk loud enough for my neighbors to hear it on both sides. I understand I owe them but I've tried talking to them and want a payment plus they're harassing my references.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Money transfer, virtual currency, or money service

Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In XX/XX/2020, I became ill with XXXX XXXX. I was extremely ill and out of work for XXXX months. I reached out to Comenity about my XXXX XXXX XXXX XXXX I was finally better and able to talk and think better. I spoke with a rep and let them know I was out of work due to XXXX and that my short-term XXXX hadn't kicked in to pay. This was in XXXX. I then reached out in XXXX and spoke with a gentleman who set me up on payments. He was kind but never disclosed that my credit was in danger. Prior to XXXX I was never late and always on time. Due to this mishap, I was dinged late on my credit for XXXX, XXXX and XX/XX/2020. Since I was never delinquent prior to XXXX, I should have been covered under the Cares Act for those months I was ill with XXXX. I reached out to Comenity several times when I finally noticed the late markings and could not get anywhere with them. Those late markings are not valid and I'm trying to have them removed. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has over fifty inquires and it wasn't me that made inquires. My identity was stolen a couple year back and now there are lots of false claims of me. Along with other information ill be disputing I noticed this stuff recently. I've found that this is all false and fraud and I want something done immediately as it has halted my life. Its not fair at all that I'm suffering financially by this error and credit bureaus want do anything to help me. i have submitted police report as proof, as by law if they don't have my personal hand signature I'm not liable. I want this investigated and removed immediately.
Product: Checking or savings account

Bank of America, back in XXXX/XX/XX/2017, The atm took My cash and Then gave me an ERROR code stating that there was an issue and I should call the number on the screen. I did that and explained that I put {$100.00} bill in to the ATM but got an error code. 

I was told I had to wait till the bank opened on the following Monday for them to count the money in the machine and credit my account. 

On that Monday I called and they stated that they dont open the machine daily but I would have to wait till Thursday. 

This game went on with Bank of America for WEEKS! I was then told by one of Bank of Americas NASTY reps that I committed FRAUD and must have stuck Paper in the ATM instead of actual money!!!! 

After a MONTH of their investigation it was found that your ATM malfunctioned!!! Nothing I had done wrong .... I was given my money BUT then they turned around and CLOSED my account for Their ATMS issues. 

Which was fine by me because I was fed up at this point. 

Here we are 3 years later ... I am unable to open up a Business checking account with ANY bank ... why ... Because Bank of America listed my account as suspected Fraud!!! 

This needs to be fixed NOW!
Product: Credit reporting

I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Money transfer, virtual currency, or money service

Cashapp suspended my account for no reason and no violation of their terms of service which is in itself them violating their terms of service. They refuse to tell me which term was violated because there never was any. I've attempted customer service, social media, and XXXX  complaint and they refuse to justify their explanation that I violated a term of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXXXXXX {$250000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$85000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$70.00} XX/XX/XXXX
Product: Credit card or prepaid card

See previous disputes for scam details. 

Wells fargo continues to refuse to do the ethical thing and waive this transaction. 

Their own employee over the phone and im sure on a recorded line said this was a scam. 

When I originally offered to settle ( this has been impacting my credit while trying to resolve ) I was ran through an idc calculator. The collections agent persuaded me to answer one of the questions differently than what I had originally answered. This caused me to be denied a settlement. This is illegal and will also have been recorded. I had said I am willing to pay everything. The only thing I am asking to settle on is the interest accrued while trying to resolve this. The collections agent told me if I don't pay the whole thing they will just sell the debt to a collections agency and write off the lost money in their taxes. This is irresponsible lending. 

At this point I liquidated my IRA to cover the 2 legit charges and the {$3600.00} double charge and paid those balances. I have a remaining balance of the interest accrued because this is destroying my perfect credit. 

They agreed to waive my late fees but this is not enough. There are {$5000.00} in interest and scam charges on my account. I refuse to believe it is this easy for someone to rob somebody and get away with it. 

I will continue fighting this every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXXXXXX XXXX  XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint against XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX was paid in full to XXXX however still reporting balance of {$770.00} and utilization of 155 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter INFO I sent out, and here is the Tracking #. XXXX AND XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I HAVE THE CREDIT REPORT SHOWING THE inaccuracies. 

XXXXXXXX XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have an unidentified account on my credit report, reporting as of XX/XX/2023.
Product: Credit card

i have a chase freedom card in which was opened in XXXX of 2015 with a starting balance of {$7000.00} within 6 months they raised the credit limit to {$12000.00} i am now carrying a balance of {$7000.00} whick i ussually do and pay off within two months when i recieve bonus checks i have never missed a payment and have always paid the card down which im assuming is the reason they raised my limit i now am in the process of opening a {$300000.00} home equity line of credit and out of nowhere i recieve a letter that chase is closing my account because i " cause issues to the banks reputation '' this now will drop my credit score and i am really confused, being that i have always paid them on time and EVEN recieved a credit increase without asking for XXXX and now they are closing the account. i called to ask what made them come to a conclusion that " i was a risk to the banks reputation '' and they said they did not have an answer to that just that " they can close an account for any reason at any time. I am just very upset that i work hard to be a good citizen and pay all my bills and keep a good credit score then chase just over a 6 month period gives my a {$7000.00} credit limit raises it another {$5000.00} then for no other reason other than " reputation " not for late payments or no payments because i have never done such a thing so i am looking to have them reverse this decision seeing that i am a good consumer. how can they do so much like open the account raise the limit then close it all within a couple of months and i would understand if i did not pay or if i have ever made a late payment but neither of those are the case they are playing games with my credit score. plus when they raised my limit i did not request that they raise it they just did it on their own. now for no fault of mine they are choosing to close the account and affect my score.
Product: Checking or savings account

I have a checking account with Capital One Bank. My account qualifies for early direct deposit. On XXXX XXXXXX/XX/XXXX I did not see my paycheck deposited into my account. This is not atpyical. Thursday, XX/XX/XXXX my paycheck was still not deposited into my account. Then I find out from XXXX on my own that Capital One was having technical issues. However, they did not notify consumers right away. They waited until Thursday, XX/XX/XXXX to notify consumers. Moreover, I did not receive an email about the issue until XXXX pm XXXX XX/XX/XXXX! Who goes an entire day without updating their clients about a serious matter?? 


Furthermore, I called Capital One twice to find out what was going on. The customer service representatives were apathetic and unhelpful. They did not provide updates as to when my account would be fixed and no updates on when I would receive my paycheck. I spent over XXXX hours on hold just to be told they're working on the issues. And again, no timeframe was given. 

Furthermore, when I asked about what would be done to resolve the issue as far as crediting my account if an overdraft should occur, I was told they would monitor the account. However, nothing was sent in writing. And it wasn't until myself as well as several XXXX others who were affected contacted Capital One that they even acknowledged the problem. 

As a banking institution that is disgraceful and negligent! I do not feel safe keeping my money in their bank. This whole ordeal was extremely stressful and challenging. And as of today, XX/XX/XXXX I still don't know what caused the technical issues. How do I know this won't happen again? 

At this point I don't trust any banks, but especially Capital One!
Product: Vehicle loan or lease

This is not a refusal to pay. I've sent a Conditional Acceptance Letter to Navy Federal Credit Union via certified mail. As long as they can validate this debt with a full accounting ledger and everything stated in my letter I will accept it, but if they can not show that I owe anything they must discharge this " debt '' and comply with my conditional acceptance letter which is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My credit was fraudulently used to apply for a capital one credit card XXXX XXXX XXXX have never applied for a capital one credit card please look into this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting an erroneous debt on my credit report that I do not owe. This debt is really old. Not only is it past the statute of limitation, but it's also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all three bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX