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

I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - XXXX XX/XX/2020 - XXXX & Experian XX/XX/2020 - XXXX & Experian & XXXX XX/XX/2020 - XXXX   XX/XX/2020 - XXXX & Experian XX/XX/2020 - Experian & XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - Experian
Product: Mortgage

This is a follow up complaint to XXXX filed on XX/XX/year>. I also filed a compliant with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas Attorney General, complaint number is XXXX on XX/XX/XXXX. 

Flagstar findings determined that there could be possible fraud. They say that since I am not on the loan I am not privy to this information. The loan modification was processed using my information fraudulently. I am a victim of identity theft. CFPB who is protecting my rights. 

I am attaching the affidavit that Flagstar asked me to submit. Is this contradictory? Although I am not on the loan how will this affidavit be used?
Product: Vehicle loan or lease

I have a auto loan with bbva compass. I have made my car payment each month, sometimes a few of them have been late but i have always made them. I do not dispute the late fees for these times but i do not think it is fair that they charged me a per diem each day the late fees went unpaid. I spoke to someone recently who told me the charges were now {$230.00}. I paid the fee and now Im in the red with my bank. I started thinking and asking questions then. I called again and a woman was able to tell me of 2 late fees of {$16.00} each assessed on XX/XX/XXXX and XX/XX/2018. She informed me that there was a per diem charge associated with nonpayment of the late fee. I believe this is a violation of Regulation Z, pyramiding of late/delinquency fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : XXXX XXXX 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

I made a payment online on XX/XX/year> for {$7500.00}. It was taken out of my bank on XX/XX/year>. The payment was not applied to my account and showed in my online banking that it was pending. When I called the credit card company, they said the payment would not be applied until XX/XX/year> because my activity was considered " risky '' because I made XXXX payments in XXXX month. I explained that I was XXXX shopping and wanted to earn rewards on my card, so I paid down my balance to use my available credit. I told them to return the payment if they were going to hold it for a week without notifying me. They refused to applied the payment immediately, even though I explained why I made the payments and they had my money. They refused to return the payment to me after requesting it. They would not increase my credit line to avoid my auto-charges from declining. This was my TJ Maxx MasterCard through Synchrony Bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX XXXX and noticed an account that was not accurately reporting. I had XXXX late payments on an account ( XXXX ) that I was in fact paid on time. The XXXX XXXX XXXX need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my XXXX  to this complaint on the following dates XX/XX/year>, XX/XX/year>. I am now requesting you XXXX this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete the account
Product: Credit card or prepaid card

On XX/XX/2021, I ordered merchandise and paid for it using the VISA-Cash-App card -Transaction ID - # XXXX ) in the amount of {$5000.00}. The merchant promised to deliver the merchandise to me on XX/XX/2021, and the merchandise was NOT delivered. On XX/XX/2021, I requested a refund from CashApp user XX/XX/XXXX (XX/XX/XXXX Bank, Cash App ID : $ XXXX ) Transaction ID - # XXXX ). The refund request was unanswered. 
I contested this transaction with CashApp support team which also went unanswered. 
On XX/XX/2021, I sent a certified letter to Cash App Headquarters stating that the transaction need to be investigated for fraud and goods not delivered. My letter was signed for and delivered but I never received an answer. 
I then opened a police report, ( case # XXXX ) in the XXXX XXXX XXXX GA. An investigation was done and fraud was found. However CashApp refused to reverse the transaction. 
I am requesting that the error be corrected, that all finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. 
This is not too much to ask for and should be well within my rights. Please advise on how I can proceed. 
Thank you, XXXX XXXX
Product: Credit reporting

Equifax is wrongly reporting the following collection that was settled. 
They need to remove it from my credit report pronto. 
XXXX XXXX XXXX, 2015 Open {$1200.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuits 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 CFPB 's findings indicate that 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: Student loan

Nelnet intial loan balance changed from time of loan after paying on time for XXXX years the loan amount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and XXXX XXXX XXXX and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX. I need a mediation of the original loan documentation that Nelnet state that they can not provide. I have only taken a=out a student loan in the amount XXXX but owe more than XXXX based on what I am paying and on record.
Product: Credit card

I have a Synchrony Credit Card issued with a Rooms To Go purchase that provided interest free payments of $ XXXX, due on the XXXX of each month. On XX/XX/year>, Synchrony charged me {$1.00} for paper statements. I called Synchrony on XX/XX/XXXX to say I did not want paper statements. The representative reversed the {$1.00} charge, well in advance of my XX/XX/XXXX payment due date. Since then, I have received late charges and interest fees. I have called and written Synchrony several times to correct the charges since I was never late for a payment and the {$1.00} was reversed before my payment due date. Today ( XX/XX/year> ), the representative told me that while the statement shows no late payments, the terms of the credit card charged a late fee on the {$1.00} and the late fees and interest charges can't be fixed. My latest payment shows the total minimum payment due is {$220.00}! I am not agreeing to pay more than the $ XXXX that I agreed to pay because I have never been late on this payment. If Synchrony knew that refunding the {$1.00} would not fix the problem, they should have credited my account {$3.00} or told me I still needed to pay {$1.00} even though it was refunded to me well in advance of the payment due date!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard credit inquiries that I reported to the credit bureau XXXX phone number XXXX I told them it was fraud and they can not remove it unless I have a report the the inquiries that are fraudulent and this report is XXXX XXXX XX/XX/XXXX the next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX the inquiry happen on XXXX again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX The inquiry was on XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the date is XX/XX/XXXX The next report is XXXX The inquiry is XXXX XXXX XXXX and it was its XXXX XXXX XXXX, XXXX, TX XXXX their phone number is XXXX and this inquiry happen on XX/XX/XXXX The next inquiry is XXXX/XXXX the address XXXX XXXX XXXX old XXXX New York XXXX XXXX and XXXX XXXX XXXX is XXXX and this inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX number XXXX XXXX XXXX was XX/XX/XXXX The next inquiry is JPMCB Call the address is XXXX XXXX XXXX, XXXX DE XXXX the phone number is XXXX and the inquiry was XX/XX/XXXXXXXX XXXX XXXX inquiry is XXXX XXXX XXXX  XXXX XXXX  probably means Florida address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone number available inquiry XX/XX/XXXX Next inquiry is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX phone XXXX XXXX XXXX happen on XX/XX/XXXX And XXXX XXXX credit report the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX the inquiry happened on XXXX/XXXX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me a copy of the report
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case.

My rights are being violated and preventing me from purchasing a home for me and my family.

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. XXXX, XXXX, and Equifax are all reporting inaccurate information causing me financial harm.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been sending letters to the cras ( XXXX EQUIFAX, XXXX ) to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off onXX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Two weeks ago, I sent a letter to XXXX to remove old personal information and keep the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX I included a copy of my driver 's license, social security card, and a copy of a bill showing my current mailing address and it was not done. I looked at my credit report a moment ago and still shows old personal information.
Product: Money transfer, virtual currency, or money service

PayPal account ( XXXX ) I have XXXX in my PayPal account. On XX/XX/XXXX, Suddenly my account has been permanently limited. I did not receive no email or any communication stating my account was limited or why. I called and was told that all I needed to do was upload documents ( id and bank statements ) after that I called and was told i had an old account with a negative balance and needed to pay that balance. I had funds transferred from this account to that account to cover that negative balance on XX/XX/XXXX and was told that I will have access to my funds within XXXX XXXX. I called today XX/XX/XXXX and was told that I am limited due to transactions ( i verified that I was sending money to myself as I was having issues with withdrawals ), and they told me still that I had to wait 180 days to have access to MY MONEY!!!!! I am at risk of XXXX and this is unfair. There's no way that they need to hold on to XXXX for 6 months. I have not ever received and mails regarding any communication Ive had with them. I believe they are attempting to steal my money. Please help me resolve this issue.
Product: Debt collection

I have made several attempts to resolve this issue with Southwest Credit but no avail. Southwest has called me countless times threatening to pursue action on a debt that doesn't belong to me. Upon talking with Southwest I ask them to send me a validated correspondence of said debt with my signature and, yet I have not received anything stating that I am the owner of said. I have also asked for Southwest to stop calling me but they continue to call all day long. According to the FCRA and the FDCPA it's my lawful right to have validity of said debt. I have also called XXXX and asked about said debt and they informed me that, the debt was a fraudulent account and they don't have any other information on file that can be shared with me. I asked XXXX how can you place fraudulent account with a credit agency? And again XXXX said they couldn't give me any answers other than it's not my account. Again, no one has sent me out any paperwork or a contract stating that they serviced me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card is not mine. I wanted to submit to FTC but there was not enough that will let me along with other Credit companies that has fraud alerts ... I dont owe this company ... its fraud and I need help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I recently received a copy of my Experian, XXXX, XXXX Credit Report and noticed some late payments posted on my credit report from : *XXXX XXXX  ( XXXX ) / {$830.00} XXXX XXXX Division of Child Support ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Child Support ( XXXX ) / $ XXXX These companies are in clear violation of the law under 15 U.S.C.1681 b- Permissible Purpose of Consumer Reports and 15 U.S.C. 1681 ( 2 ) ( A ) ( i ) - ( FORA ). I request that the above late payments be deleted from my Consumer Report pursuant to U.S.C.1681. Failure to respond satisfactory with deletion of the above mentioned accts. and sent a free copy of the updated credit file will result in legal actions, wherein, I will seek damages of {$1000.00} per violation for : 1. Defamation of Character.

2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act.

4. Fair Credit Reporting Act.

5. Willful Non-Compliance 15 U.S.C. 1681
Product: Credit card

In XX/XX/XXXX, I sent a check for {$99.00} to Citibank as payment for my wife 's credit card. The money was not applied to her credit card. Instead, it was inadvertently applied to XXXX of my closed credit cards which was discharged in a bankruptcy in XX/XX/XXXX. I called Citibank on XX/XX/XXXX and inquired about the payment, informing them that I had mailed a check for {$99.00} for my wife 's Citibank credit card, but the payment was not showing on her account. Citibank informed me that they had mistakenly applied the {$99.00} to XXXX of my credit cards that had been discharged in a XX/XX/XXXX bankruptcy instead of my wife 's current Citibank credit card. They then informed me that they would be mailing a refund to me for {$99.00} no later than XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the refund. I contacted Citibank again today and they told me that there is a possibility that I will NOT receive a refund, without giving an explanation why. As stated earlier, Citibank has acknowledged their mistake by applying the funds to an account which was closed in XX/XX/XXXX and discharged in bankruptcy.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX me and my husband did a COVID surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.
Product: Money transfer, virtual currency, or money service

Hi We were scammed by a XXXX add for an apartment and sent {$3700.00} to a wellfargo account via wire from XXXX for the apartment down payment and first month rent on XX/XX/year>. When we arrived to get keys it was a scam. XXXX could not get it back from Wells Fargo even though it was scam. 

Here is the information : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Routing Number : XXXX
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with TD Bank regarding financial transactions that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence.
Product: Student loan

XX/XX/2020 my student loan payment was due. For the first time ever I saw a red text below my payment saying it was past due. Payment was not taken out until following Tuesday. I reached out to their fed loan XXXX page. They messaged me back said someone would reach out to me. On Thursday I got a call I did not recognize. I got a voicemail apparently from someone from fed loan. They wanted me to call them back at XXXX which I did but it sound like a scam because the first thing I heard was a voice recording saying were excited to offer you a special promotion followed by the question of is someone in your house 50 years or older. Also this person called from a different number XXXX. Im in the public student loan forgiveness program.. I do not want fed loans system errors disqualifying me from the program. I make my payment on time every time! They still have not proved to me that this issue is resolved. Please help make sure their business practices or more thorough so I can get an answer.
Product: Credit card

I am the victim of fraud. I was fraudulently charged {$750.00} on XX/XX/year> on my XXXX  XXXX XXXX  that is issued by XXXX. XXXX XXXX XXXX A screenshot of the transaction is attached. 

I immediately reported the fraud to XXXX  customer service, and they canceled the card. Since that time, XXXX  has not responded to any requests for information about the disputed amount or provided information about whether they will issue me a new credit card. I am currently in XXXX, and not having a functioning credit card is a significant issue. 

XXXX  is acting in an unethical manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The cashier at Kohls signed me up for the card. I never got anything in the mail or E-mail after. No card, no offers, no nothing. I assumed that it fell through, but now that it is on my XXXX I feel scammed!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and there are incorrect addresses listed on my account. I would like to get those addresses removed and update my current address.
Product: Prepaid card

I am not able to use my Amex Virtual Reward card anywhere. It gets declined everywhere. 

There is {$120.00} on the card. 

XXXX XXXX XXXX I've attempted to use the card at XXXX retailers ( all the big stores including XXXX, XXXX, XXXX ) XXXX Also am unable to add the card to XXXX XXXX  ( it errors out after trying to contact card issuer ).