23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.
Product: Debt collection

Company keep providing me with a void contract, Experian keep saying it was verified next In the next couple days After the 15 day I will move forward with suing. Company have been provided with a ftc etc. If they think its mines take me to court I have all the documents and proof.
Product: Debt collection

Online Information Services , Inc. violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, North Carolina Collection Agency Act, and other applicable state statutes.
Product: Debt collection

Continue to call daily, to XXXX and XXXX I have asked for verification of the debt by email and by mail. Demanded they dont call again until I can verify this is a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing another complaint to Experian in regards of a fraudulent debt that you have on my credit report. On XX/XX/2022, and XX/XX/2022, I sent a validation letter to Experian certified mail. Receipt number XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I have attached these letters with this complaint. Experian has fraudulently put an account on my report, XXXX XXXX Account # XXXX. I also submitted a complaint on XX/XX/XXXX, XXXX and to date, I have not received any response from Experian regarding my request for verification. I have waited more than 30 days and still havent received any response in according to my letters. Experian has refused to respond to my request to know how this was verified and the method of verification or provide me with the documentation necessary to validate this debt. 
Pursuant to the Fair Credit Collection Reporting Act ( FCRA ), I am entitled to request verification of this debt within 30 days of you receiving my dispute. 
I am writing to inform you that your failure to provide me with the necessary validation of this debt is a violation of my rights under the FCRA. 
As you are aware, the FCRA requires debt collectors to provide consumers with written validation of any debt within 30 days of the initial communication. Failure to do so is a violation of the law and my rights 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information & 15USC 1681s-2 & 15USC 1692. And this may result in legal action being taken against your organization. 
Therefore, I demand that you immediately provide me with the necessary documentation to validate this debt, as required by the FRCA. Failure to do so will result in me pursuing all available legal remedies to protect my rights and hold your organization accountable for any violations of the law.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of XXXX XXXX and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX  XXXX {$5400.00} Date Opened XX/XX/XXXX XXXX  XXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXX 2022
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to that lagged posting of charges and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices where transaction settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus.
Product: Debt collection

Account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} Account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$920.00} Account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00} Account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$180.00} Account with XXXX  XXXX Also all hard inquiries unders XXXX XXXX These accounts and information has VIOLATED MY RIGHTS IN ACCORDANCE WITH FAIR CREDIT CONSUMER REPORTING AGENCY 15 U.S.C 1681 section 602 A. states that I have a right to privacy 15 U.S.C 1681 section 604 section 2. It also states that a consumer reporting agency can not furnish a account without my written consent
Product: Vehicle loan or lease

On XX/XX/2020 at XXXX, I received a call from the lender 's collection dept at BB & T regarding my vehicle loan # XXXX. This is my final payment and was due on XX/XX/2020. The lender told me they had a right to turn my loan over to collection after the 3rd day from payment due date. I have been paying on this loan for 4 years, and this was the first time I have been told this. My promissory note states the loan will be in default after the 15th day from payment due date. As mentioned, this payment was my final payment on the loan. Feeling threatened, I allowed them to accept my final payment in the amount of {$100.00} over the phone. I usually make my monthly payment by online banking thru my financial institution.
Product: Checking or savings account

On XX/XX/XXXX, I was unable to link account from PNC Bank to XXXX XXXX in order to make a transfer. PNC bank will not allow my XXXX  account to link.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NATLCRSYS. The Date Last reported is inaccurate. according to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with SALLIE MAE BANK INC XXXX Balance {$23000.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my DataX consumer credit report sent to me via mail.
Product: Mortgage

We entered into the affordable cares act by calling our Freedom mortgage and after just one month our balance has been increased {$2200.00} I was told it was for interest and that the loan would be charged interest every month and added in for every month missed during the cares act forbearance plan. 
I asked the lender where on the forms they sent that this was stated and he couldn't find it. I also stated that the cares act states that no interest would be charged on late payments. 
According to Freedom mortgage not only will the interest be added but once I start making my payments I will still have to repay the full amount that I forbear 'd. 
So that means interest will be charged on the cares act twice. 

This will and is already effecting my credit score due to the balance increasing monthly. 

My loan # XXXX with Freedom Mortgage XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX    CFPB : RESPA  Section 6 -  Please have JPMChase refund to me its erroneou s  XX/XX/XXXX   {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error.     Truly,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , IL  XXXX
Product: Credit reporting

I 'd want to have an inquiry removed from my credit report resulting from identity theft. I contacted XXXX about the fraudulent account in XXXX 2016. They immediately closed the account and said that they would submit information to the credit bureaus removing any reporting on the account. They have not done so. When I submitted the information to Equifax in XXXX 2016, I was referred back to XXXX. I spoke with XXXX in XXXX 2016 and XXXX says it will take 90 days to have the bureau update the information. Seven months is quite long enough to wait. My credit has been affected by this entry and I want the information on the fraudulent account removed immediately. XXXX has not lived up to is responsibility to remove the information and even when presented with evidence that the account is not mine, Equifax refuses to remove the information.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

I have previously submitted Identity theft complaint to all 3 credit bureaus. My FTC report number is XXXX. My issue is I sent 2 separate FTC reports trying to resolve the accounts and inquiries on my credit report that does not belong to me. XXXX, Equifax and XXXX  as failed to protect me as a consumer and block those items on my Identity theft reports under the FCRA section 605B. This is a direct violation of my rights as a consumer. How can the verify information that is fraudulent and my personal information has been stolen and used without my permission.
Product: Checking or savings account

I had request my daughter to remove her name off my checking account, I was told she removed he name from my account XX/XX/XXXX, so I would not have to open a new account. 
Also I remover my child as power of Attorney over my checking account. Documentation was provided to the bank. 
At no time did Chase Bank Manger, located at XXXX XXXX XXXX, XXXX, Texas tell that someone could assess my account on line- I told him several time that I was a XXXX person of XXXX, and my child had be using my account as her personal account and I wanted it stopped. He laugh about the matter. 
He never told me an app and my account had on-line assess ad of XX/XX/XXXX. 
THE manager has done every thing in his power not to stop my account from being abused. 
). However, that has been a on-line scam set up on my account through XXXX, every two weeks money is being drafted out of my checking account without my permission. I want my money put back into my account as of today. Otherwise, I will call the police and make a report and take legal action against this bank. XX/XX/XXXX ( amount of XXXX ), XX/XX/XXXX ( amount taken from account XXXX ) again XX/XX/XXXX ( XXXX ), XXXX told me the person is removing money from the checking account though a website. My XXXX card was cancel. that I want all on-line bank assess to my checking and savings closed that include all Apps. No one should have any apps or on-line back XXXX to any account at this point. Chase refused to stop the online banking on my acount. 
I ask for a print out of the account, he refuse to give me one until I told him I had concern. he gave me a print out but without who was pulling money from my account. 
Next, after calling U.S. Department of Veterans Affairs, a insurance check was deposit into a saving account without my knowledge ( check amount {$10000.00} ) XX/XX/XXXX. I have no knowledge of every having a saving account with my name on it during this period of time. But and investigation has started. Who set up a saving account in my name in XXXX, I have no knowledge of Chase giving me information about a saving account. 
Chase Bank in XXXX is helping to abuse my account and will not give me correct information on the account, I want this matter look into.
Product: Debt collection

I have never been contacted by this company collecting a debt for XXXX. The original bill was in dispute with XXXX. During communications with XXXX account was sent to collections. I was only notified once the account hit my credit. I disputed the balance then and explained I was never contacted or notified of the debt. To this day I have not received any information on this debt via mail or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.
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 to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX RETREAT CT XXXX XXXX XXXX, MD XXXX LITIGATION ( EQUIFAX ) CASE NUMBER : XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : YOU ARE NOW BEING SUED ( LITIGATION ) FOR DEFAMATION OF CHARACTER. YOU HAVE FORCED MY HAND FOR THE FINAL & LAST TIME. PLEASE HAVE YOUR LAWYER TO CONTACT ME IMMEDIATELY TO RESOLVE THIS MATTER TO AVOID GOING TO COURT AND PAYING. I AM WILLING TO SETTLE OUTSIDE OF COURT, PLEASE CONTACT ME IMMEDIATELY SO THAT WE CAN RESOLVE THIS MATTER WITHOUT PAYING ME THE ( {$5000.00} ) IN DAMAGES TO NOT ONLY MY GOOD NAME, BUT THIS HAS CAUSED A LOT OF PAIN MENTALLY AND FINANCIAL PAIN TO HELP NOT ONLY MYSELF BUT MY FAMILY. ALL I WANT ARE DELETIONS OF ALL OF THESE FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO NOT ONLY IDENTITY THEFT AND FRAUD BUT ALSO THE EQUIFAX DATA BREACH SITUATION!. ALSO EQUIFAX DELETED ( 4 ) POSITIVE INSTALLMENT LOAN TRADELINES FROM XXXX XXXX XXXX XXXX WITHOUT MY KNOWLEDGE OFF MY CREDIT REPORT, AND I CAN'T EVEN LOG INTO MYEQUIFAX.COM. I CAN'T EVEN RETRIEVE MY XXXX SCORE OR CREDIT REPORT BECAUSE OF MIXED CREDIT FILE ALL BECAUSE OF EQUIFAX!!. THIS IS OUTRAGEOUS! NOW YOU HAVE TWO CHOICES, EITHER DELETE ALL THESE FRAUDULENT ITEMS ON MY CREDIT REPORT ( JUST DELETIONS ; OR DELETE & PAY {$5000.00}. ALL I REALLY WANT ARE DELETIONS & THATS IT!. BUT IF I'M GIVEN A HARD TIME & MORE OF MY TIME IS WASTED WITH JUST DELETIONS I WILL SEEK ALSO THE WHOLE {$5000.00} PLUS DELETIONS. THE CHOICE IS YOURS!. I DEMAND THESE FRAUDULENT ITEMS ARE REMOVED IMMEDIATELY! MY CONTACT IS LISTED BELOW. EMAIL : XXXX cell phone number : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to reasonably reinvestigate disputed information on a credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to its furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing ongoing harm to my credit rating. 
I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX and Equifax to reinvestigate these accounts : XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX accounXXXX XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account 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 supposed to modify accounts that aren't reporting correctly.

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.

The FCRA
Product: Payday loan, title loan, or personal loan

I'm not too sure what will come of this but a friend recommended I give it a shot. I don't have exact dates at this point in time but I'd be happy to provide those in a follow-up, or just resubmit the entire thing if I need to. 

My relationship with Synchrony bank started back in 2019, I had applied for a line of credit for XXXX store financing and was approved. 

They did not, however, actually create a log in for me to make my payments, they told me that I'd receive login credentials in the postal mail. As a result of this, I didn't actually receive any credentials in the mail for over 90 days. During that time synchrony was charging me late fees unknown to me at the time because I did not have access to see or pay my bill. 

It was eventually discovered that they didn't even send the credentials in the first place and a customer service representative had to generate them for me. They were kind enough to remove the late fees due to the failure on their part, they did not fix the impact this had on my credit score.

Now they have damaged my credit score once again. Apparently it is their policy to terminate my account after 2 failed payments. The first of which was over a year ago, the second was just a few days ago. Both of these were rectified the second I was notified of a failed payment, and records show payments for them posted the following days. 

I understand policy, I understand that I may have signed something that notified me of this policy, and I understand that they must follow said policy if it does exist. 

What I do not understand is how a financial institution as big as synchrony is allowed to play these games with people 's credit score and do nothing to correct their mistakes.

There are countless other issues I've had with them in regards to Paypal credit as well, they closed that account in a similar fashion, tanking my credit score, and many instances of unjustified late fees that they admitted were mistakes. 

Maybe the most recent incident is on me, but considering what they did when I first opened the account, and all the issues I've had with them on my old PayPal account, I am very frustrated that I now have to recover from yet another negative mark against me from this company.
Product: Credit card or prepaid card

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Bank of America of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Bank of America is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.

Bank of America has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Product: Debt collection

XXXX XXXX XXXX {$4900.00} XXXX XXXXXXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).