23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I lost all income and currently have none now and am now reliant on my boyfriend I also experienced some health issues but also explains that the company did not want to hear anything I had to say as I have never had a rougher time they continued to send letters threatening to sue me then I got a paper where they were denied in local civil court 4 months after they filed due to the mail man never delivering the original document I guess but then around XXXX I get a call from the constable that hes at my boyfriends apartment to serve me with court papers just what every mom wants to hear especially when they dont even have two nickels to rub together the constable delivers them the day after XXXX and my neighbors see this which is embarrassing because I lost my income. This company really has no consideration they arent willing to work with me I have the other letters where they are demanding either half the money or 5 payments but like I said if I have no money how can I they wont even work with me? They will even try to claim people didnt speak with them because they have some weird attorneys supposedly handling it but I spoke to the company not the those other people. The company even has been on my credit checking it every so often which I dont like which Im not referring to capitalone but whom ever is claiming to be their attorney.
Product: Money transfer, virtual currency, or money service

I have had a square account for over 5 years and only get paid after my company completes the services a client paid And they froze my money and said I cant access for 90 days these funds will finance my materials and pay staff for the next contract with out my funds I will forced to close o am actually XXXX XXXX XXXX XXXX XXXX XXXX this is how XXXX this has got me
Product: Credit reporting or other personal consumer reports

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent : XXXX XXXX XXXX XXXX - {$660.00} XXXX  - # XXXX XXXX {$7200.00} XXXX - # XXXX - {$8500.00} XXXX XXXX - # XXXX - {$5000.00} XXXX  - # XXXX - {$10000.00} XXXX XXXX # XXXX - {$75000.00} XXXX - # XXXX - {$770.00} XXXX  XXXX  - XXXX XXXX - {$15000.00} XXXX  - # XXXX - {$2000.00} Thank You
Product: Student loan

My name is XXXX XXXX and I received a call yesterday from XXXX XXXX in which she introduced herself as a student Loan Advisor. I was under the impression that she was with my Federal student loans. XXXX spoke very fast and I had had a bad day already and really was not focused as to all the red flags that she was saying within a short timebut by then XXXX had already completed a contract. Yes, I should have been more focused but at the same time I was telling her that I could not afford the five up front payments that she was saying I needed to make. But let me reinerate that I thought at the time we were speaking with XXXX XXXX XXXX. At this time I am on forbearance with my loans because my husband was without a job for over 2 and an half years and we lost everything but our house.

I did e-sign the documents but it was not until she was completing this information that a true red flag hit me, sort of speak. She said that they were not associated with the Department of Education. That statement hit me with a ton of bricks. 
The contract states that I am to pay five months of XXXX per month and no payments after that until I was approved for part of my loan being forgiven. 
I am retired and on XXXX and people like this prey on the vunerable and you would think at XXXX that I would of clicked at the beginning but she was no nonsense and kind of pushed me through. 
I can not afford these kind of payments and Student Loan Direct should be ashamed of themselves for this kind of practice.This is a shame that there is this type of practice out there for people out there that have hit hard times and have vulchers like these companies. I did not want this in the first place and just feel that I was basically sucked in.
Product: Debt collection

I noticed these accounts reflecting on my credit causing my score to decrease drastically. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX. These accounts have been disputed and the credit bureaus have not provided me with any documentation to validate these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

I have the following four inaccurate accounts reporting on my credit report. None of these are my debts and all of them are beyond seven years old. 
XXXX. XXXX XXXX XXXX {$1600.00} opened in XX/XX/XXXX ( XXXX, XXXX and XXXX ) XXXX XXXX. charge off opened in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reporting {$0.00} balance chsrge off. Opened in XXXX XXXX and XXXX XXXX. XXXX XXXX reporting {$0.00} balance opened in XXXX XXXX and XXXX. 
Under the Fair Credit Reporting Act these items must be deleted from my credit report if they are unauthorized, inaccurate or older than seven years. Please delete all of these items from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the unfair and abusive practices of credit reporting agencies in their handling of consumer credit data. My concerns are as follows : 1. Delayed Reporting of Payments While negative transactions such as balances and late payments are reported almost instantaneously, payments made to credit accounts take an excessive amount of timeoften more than a monthto reflect on consumer credit reports. This practice unfairly distorts creditworthiness and creates unnecessary financial stress.

2. Disproportionate Impact on Credit Scores The credit scoring system is excessively punitive. A single minor infraction, such as a slightly increased balance or a one-time late payment, can result in a drastic drop of up to XXXX points, significantly hindering access to credit. In contrast, recovering lost points is a slow and difficult process, making it unjustifiably challenging for consumers to maintain strong credit profiles. 

These practices create undue hardship for consumers and seem designed to benefit lenders at the expense of fairness and accuracy. I urge the Consumer Financial Protection Bureau to investigate these systemic issues and implement regulatory measures to ensure timely reporting of payments and a more equitable scoring model that does not disproportionately penalize consumers for minor infractions. 

I request a formal response outlining the actions that will be taken to address these concerns. Please feel free to contact me at your earliest convenience should you require additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED GM BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to XXXX, Experian, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately. 

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.
Product: Credit card

My name is XXXX XXXX. XXXX is XXXX I have a store credit card with XXXXXXXX XXXX through Wells Fargo & i have been a loyal customer to not only XXXX but Wells Fargo for 4 years if not more. I have had several problems with Wells Fargo this past year but still continued to stay Loyal & respectful. I wrote in a few complaints regarding a certain situation which i know can be frustrating for a customer service rep as it is for myself when i feel like XXXX not getting answers or help. The best case worker i had has been XXXX. I also believed XXXX XXXX who worked on many of my cases was great until today. She was very rude, spoke over me, talked to me like i was stupid & just made me as a customer feel like garbage. Im sorry but you should not treat anyone like that especially not a customer. If you dont like your job, please dont work with people. I have been very patient, understanding, & never once spoke to any rep with disrespect or anger. I am very unhappy with how i was spoken to. I was also told theres nobody higher than Me from XXXX. I would like this to be addressed by someone who in fact is higher & if nobody is higher i would like my concerns to be addressed by someone who will listen & not be rude. Thank you. I can be reached at XXXX.
Product: Debt collection

Gc Services Limited Partnership calls almost daily and leaves an automated message on my professional email address. They state they are a debt collection agnecy and would like me to reurn the call. I have not received a voice message on my phone. I have not received anything in writing. 

I refuse to call this company.
Product: Credit reporting

On XXXX XXXX I checked my credit through annual credit report to see if a foreclosure had been removed. I selected Experian as the agency. When I went to check the credit they wanted to charge {$4.00} extra to get my credit score. In small fine print it said they were signing me up for a credit monitoring service, but I was not clearly made aware of this. I also was not informed that a charge outside the original agreed upon {$4.00} was going to hit my credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016 I was charged {$19.00} by Experian. On XXXX/XXXX/2016 I saw the charged and called to ask why I was being charged. The agent on the phone informed me that I signed up for the service. I told him I had no knowledge of signing up for the service and that they never informed me I was about to be charged. The agent refused to refund my money for the service that I had never used and said they had documentation proving I signed up for it. I do n't think they should be allowed to sign people up for a service who are coming form annualcreditreport.com especially when they do n't make it very clear that getting the credit score is also signing you up for their service. To then refuse to refund money for the service when it was never used after getting the score is again invalid. They are clearing trying to scam people by automatically signing them up the service and then stealing their money by refusing to give them a refund once they realize they were signed up. I plan to dispute this with the credit card they charged, but I have a feeling the credit company will side with them and they are probably in on the scam. I ca n't refuse to pay the credit card company for the charge if they side with experian or I will ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. 
On XX/XX/scrub>XXXX XXXX XXXX I mailed a dispute letter to Experian via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Experian received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, Experian has failed to provide any updates or resolution. More than 30 days have passed since the delivery of my dispute letter. 
As a consumer, I am entitled to accurate credit information. The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, like Experian, must investigate disputes promptly and accurately. Experians failure to do so is a direct violation of my consumer rights.

I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.
Product: Bank account or service

Bank of America charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX, I signed a lease for a new vehicle. The dealership made errors on the paperwork multiple times, and the paperwork was not finalized until XXXX ( XXXX ).  Our payment due date per the Lease contract was on the XXXX of each month, but because the paperwork was not finalized, we never received a Periodic Statement ( required under Regulation B ) for the first month. At the end of XXXX, we finally received a Periodic Statement dated XXXX/XXXX/XXXX showing a due date of XXXX/XXXX/XXXX, showing the total amount due as {$440.00} ; the amount includes 2 monthly payments ( XXXX and XXXX ) of {$210.00} each, and a late fee of {$10.00}. 

There are two Regulation B violations here, one of which I was able to rectify by contacting the company 's customer service phone number. When I alleged a Regulation B violation, the customer service representative did not know what Regulation B was, but nonetheless agreed to waive the late fee of {$10.00} on the XXXX payment, and remove the late fee from my credit report. 

Second, I asked that my due date for XXXX be changed to XXXX/XXXX/XXXX, which is 21 days from the date of the periodic statement as required by Regulation B. The customer service representative, their supervisor, and the supervisor 's manager all refused this request saying that it was not possible. They informed me that I could exercise a lease option to change the due date ( an option which I only get once ). I informed them that the due date change should not count as my request, and that instead it is the earliest due date allowed by regulation. The manager was combative, telling me that " regulation B is your regulation '', and that his system would not allow him to change the due date for 1 month, or to not count the change as a request per my lease option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Trans union. Credit reporting Has refused to correct. Information. On my credit report and. Because of this. I have been denied. Credit and. Have paid. More in interest. $
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my Experian credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 USC 1681A ( 2 ) and 15 USC 1681i. These sections of the FCRA protect consumers ' rights to accurate credit reporting and impose obligations on credit reporting agencies to ensure the precision of the information they report.

According to Section 15 USC 1681A ( 2 ) of the FCRA, it is incumbent upon credit reporting agencies to maintain accurate consumer credit information. Furthermore, Section 15 USC 1681i mandates that credit reporting agencies conduct a reasonable investigation into disputed information and promptly correct any inaccuracies.

Upon reviewing my credit report, I discovered several inaccuracies regarding reported late payments. These inaccuracies not only misrepresent my credit history but also violate my rights as a consumer under the FCRA.

In addition, in accordance with the FCRA these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
The following late payments are erroneously listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ] I assert that these late payments are inaccurate and unjustified. It is illegal to report any late payments to my consumer report! 

In accordance with Section 15 USC 1681i, transactions should not be included on a consumer report, and I hereby request that you conduct a thorough investigation into these inaccuracies. I expect that you will promptly remove the erroneous late payments from my credit report and provide me with a corrected copy, free of charge. 

Failure to comply with these provisions will leave me with no choice but to pursue further remedies available under the FCRA, including legal action. 

Please acknowledge receipt of this dispute letter and provide information on the steps you are taking to address my concerns. I can be reached at the contact information provided above. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to XXXX  with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.