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

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00}.
Product: Credit reporting or other personal consumer reports

These unauthorized hard inquiries conflict with 15 USC 16c-2 and damage my score. Please delete them.
Product: Debt collection

LVNV {$1200.00} Date XX/XX/year> ; I contacted the company and dipute these accounts validity and the company should remove them. They did nothing. These account should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.
Product: Student loan

After graduating from XXXX University XXXX XXXX XXXX XXXX in XX/XX/2006, with my XXXX XXXX XXXX in XXXX XXXX, I began to repay my loan thinking I would eventually qualify for the Public Service Loan Forgiveness ( PSLF ) program.

After working in a XXXX XXXX in XXXX for 7 years and making 84 payments ( out of 120 payments ) needed for the PSLF Program, I was told that I was in the " wrong '' repayment plan the whole time, and they would not be able to count these payments towards the PSLF. 

After I left the school district in XXXX, I came to XXXX XXXX and have been working in the XXXX XXXX for an additional 6 years. I have now paid 72 payments towards the PSLF Program. 

I am angry that XXXX XXXXXXXX XXXX is not counting my time in XXXX   towards my loan forgiveness, and have rejected my application. 

My husband is a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran, and is unable to work. XXXX  XXXX XXXX has since raised my payments to over $ 500/month. 

It is completely unaffordable. I have the time in and have spent thousands of dollars toward a program that THEY changed the guidelines for.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK N.A. is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with TD BANK N.A. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD BANK N.A. for review or collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - account was paid in full and I paid more than what was borrowed. I had already made payments. Its reported as charged off, the depth collector said it would be removed once I paid the {$2100.00}. Its reporting on XXXX, XXXX, XXXX. 

2.Syncb/Rooms To Go- paid depth collector and was supposed to be deleted. The account was updated and its affecting my credit. I paid {$710.00}. Reporting on all XXXX XXXX XXXX XXXX but reporting missed payment and updated when I disputed account. Reporting on all XXXX XXXX - account was paid and closed but still reporting negative information. Acct. # ending in XXXX. Reporting on all XXXX XXXX XXXX XXXX XXXX not mine 6. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with this fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

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

Fifth Third Bank acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to Fifth Third Bank twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, XXXX XXXX XXXX XXXX, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX XXXX for mobile deposits. If Fifth Third* Bank designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX ET cutoff time on XX/XX/XXXX * Fifth Third Bank 's Deposit Account Rules and Regulations specify neither days ( e.g. XXXX ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, XXXX message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take XXXX hours for a payment made to Fifth Third bank via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for Fifth Third Bank to penalize consumers for accepting that assertion at face value.
Product: Credit card

i got the protection insurance on this account and the amount on my card was less then {$100.00} they keep charging me and never refund my money back and insurance protection never worked
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My previous complaint # XXXX, was responded to as if they didn't know what my complaint was about, but I had complained to them twice before. They even indicated that they were unable to contact me. I failed to answer the phone because a voice mail message indicated it was the same person I had discussed the issue with before and I already knew his boiler plate response, " they did nothing wrong ''. In my complaint I failed to articulate my complaint as well as I should have. See letter to Credit Reporting agencies for better explanation. They simple told you that the item I had complained about was not on their credit reports and even provided new current reports, see attachments. However, they were aware, I had complained their service provided, '' Doing business as XXXX XXXX '', had listed my previous loan as late on six ( 6 ) occasions, which is simply erroneous reporting that I had requested they correct but they refused. As of yesterday, XX/XX/2022, XXXX XXXX, XXXXeterans United, are still falsely reporting my payment history.
Product: Debt collection

On XX/XX/XXXX around XXXX I received a notification from XXXX XXXX stating that a new collection was added to my credit report as I proceded to go take a look I noticed it was from a navy federal creditor in which was reopened by a collection agency by the name of XXXX XXXX XXXX XXXX I was stunned to see that over XXXX $ was used on a credit card that I had NOT a piece of knowledge about or how it was even put in my name l check my credit and monitor it daily and wasn't sure how this could even be possible. The date it said it was opened was back in XXXX XXXX on the XXXX, I was never aware of this problem until the date XX/XX/XXXX I've contacted Navy Federal stating my situation and all other credit bureaus such as XXXX, XXXX, and XXXX and also obtained a police report to report identity theft in an attempt to get the problem removed, disputed, investigated and resolved.This Problem Has had me stressed since the day it occurred and hope it can get fixed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
XXXX reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.
Product: Credit reporting or other personal consumer reports

To whom it may concern these hard inquiries in my credit file are from unauthorized use of my social security number. I did not authorize these hard inquiries to be made on my report nor they relate to anything Ive did. Im unaware of any of this. Please REMOVE these unauthorized inquiries from my information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Unauthorized Inquiries : XXXX XXXX Inquiry XXXX : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP
Product: Credit card or prepaid card

My account was charged for multiple purchases totaling {$9800.00} in XXXX XXXX before I received my card. I was physically located in XXXX with my family at the time as well. I noticed this by checking my balance in the app. I called Bank of America immediately and notified them. They asked me if I would participate in any investigation that would be started. I agreed. They also told me any funds that would be resolved would be deposited into my account. Within the following two weeks the funds were replaced. At no time was I contacted about any investigations or was I informed that these funds were temporary. Later I was issued a notice stating that my disputed had been declined and I could request all information used to come to this decision and I was to pay back the full amount. I requested the decision be reviewed and I also requested all documents available. I have not received any documentation at this time. I have called and further requested the documents and continued to have no communication on this subject. I have received a notice that I was credited {$3.00} for fees associated with prior claims.
Product: Credit reporting or other personal consumer reports

Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter.

They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year XXXX  everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
XXXX, Transunion and XXXX have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and along with inquiries with that I did not authorize but XXXX and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.
Product: Bank account or service

I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Bank of America branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at BoA ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards.
Product: Credit card

XXXX XXXX is switching over their systems ( maybe their provider too? ). I have autopay set up with them and yet they did not take the payment and have charged me a {$27.00} late fee. There is no way to contact them -- the message on their helpline just says they are having technical difficulties then hangs up.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Internal Revenue Service Department of the Treasury XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Concerns Regarding Collection Agency Activities and Charitable Contributions Dear Sir or Madam, I am writing to bring to your attention a matter concerning the activities of Universal Fidelity Limited Partnership, a collection agency, and their reported direct support and funding of XXXX ministries. 

As a taxpayer and a concerned citizen, I have questions regarding the potential implications of these activities on their tax-exempt status and whether such practices align with IRS regulations . Specifically, I am concerned about the following : 1. **Use of Collected Funds** : It is unclear whether the funds collected from debtors are being used in a manner consistent with IRS guidelines for charitable contributions, particularly given that these funds are being directed towards religious organizations. 

2. **Transparency and Disclosure** : I would like to understand if Universal Fidelity Limited Partnership is required to disclose the recipients of their charitable contributions and how these contributions are accounted for in their financial reporting. 

3. **Compliance with Non-Profit Regulations** : I am also concerned whether the collection agency is complying with the regulations governing the tax-exempt status of the organizations they support, and whether there is any potential for these contributions to be used in a way that might contravene IRS regulations. 

4. **Implications for Debt Repayment** : There is a need for clarity on how these contributions might affect the obligations of debtors, particularly in cases where funds that could potentially be used to settle debts are instead being funneled into religious organizations. 

I respectfully request that the IRS investigate these concerns to ensure that all activities are in compliance with applicable laws and regulations. I believe it is essential for taxpayers to have confidence that collection agencies are operating transparently and within the bounds of the law, particularly when it involves charitable contributions to religious organizations. 

Thank you for your attention to this matter. I look forward to your response. 

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

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Equifax Accounts XXXX. XXXX XXXX Account XXXX : XXXX {$XXXX} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX  This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$XXXX} for every violation I listed, they have to pay me or delete these accounts.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, NCB MANAGENT SERVICES INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a security breach with XXXX on XX/XX/XXXX XXXX XXXX XXXX where customer files were breached. I was one of those customers and my identity was compromised. i recieved a email detailing the incident. Any accounts opened or applied for durring that time period i cant claim responsibilty for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Experian 's National Consumer Assistance Center at XXXX XXXX XXXX, XXXX, TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to file a formal complaint against the Caine & Weiner, located at XXXX XXXX, CA XXXX. Account number is XXXX of {$5400.00} dollars I believe they have violated my rights under the fair Debt Collection Practices Act ( FDCPA ) and am requestioning that alleged debt be investigated and removed from my credit report. According to 15 U.S. Code 1692c, debt collectors are prohibited from communicating with consumers at times or places that know to be inconvenient including at a consumers place of employment if the debt collector aware that such communication are not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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.