23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or deli
vered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this complaint to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}. I emphasize my right to accurate credit reporting and request written confirmation of the investigation results along with actions taken to rectify this situation.
Product: Debt collection

I sent a debt validation to the company and they never sent proof of account its been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed addresses on experian and it came back as veified. that's not true the information at XXXX south XXXX XXXX is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON my credit report XXXX XXXX XXXX has report to exprian late payments .In XXXX, XXXX XXXX and the in XXXX 7 more .I am stating USC 15C 6801, USC 15C 6802, 15 C USC1680. USC 6801na USC 15 6803 .With this on my report is going to hinder me from getting a new house loan.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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.
Product: Checking or savings account

NAVY FEDERAL HAS CONTIOUS CHARGE ME WITH EERNEOUS CHARGES FOR OVERDRAFT FEES. I AM A XXXX XXXX AND HAVE BEE FINED XXXX OF DOLLARS IN OVERDRAFT FEES DESPITE BEING IN THEIR OVERDRAFY PROGRAM. ITS GOTTEN TO THE POINT WHERE THEY TOLD EM THE ONLY WAY I WOUPDNT GET OVERDRAFTED IS IF I CREATED AND LINE OF CREDIT WITH THEM IN MY CHECKING ACCOUNT. WHICH I FEEL LIEK SHOULD BE WAIVED NOT ONLY FOR BEING AN XXXX XXXX MEMBER OR EVEN IF THEY DRAFTED THE MONEY THE DAY YOU MAKE THE PURCHASE INSTEAD OF WHENEVER THEY FEEL LIKE IT.
Product: Debt collection

I called CCS collection to see what the debt was about and they didnt have none of my correct information. Address, phone number, signature that I put on contract with them I wanted proof that they had the chain of title to collect the debt. They asked for my XXXX XXXX. I didnt give it to them. I asked the guy to delete the collection and he said not possible. They have XXXX XXXX as my address that was never my address. I live in XXXX not in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am making a dispute against XXXX XXXX, Bank of America Credit Card and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Product: Credit reporting

I have been the victim of ongoing ID theft and have a few fraud accounts and inquires reporting on my Equifax credit file. I have sent in a police report several times. The following items are fraud Equifax please needs to block and or remove these items. I can never access Equifax 's online dispute due the website always having issues. 
1.XXXX XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3.XXXX XXXX XXXX/XXXX/XXXX Please update my correct address to the following XXXX LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I received a statement saying that I owed over {$1800.00} and new that I didn't have anything charged on the account so I contacted XXXX XXXX. They said that they could tell it wasn't mine and that someone got my account number. They had me send in a statement of fraud. All was settled and nothing more came of it. They closed the account and asked if I wanted a new account and I said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not made any kind of arrangement with any of these companies. 
Please remove them from my credit report. Also, they have wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX or XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Product: Debt collection

Hello, This category is not perfectly correct for my situation, but I attempted to find the one best suited. With student loan debt being the single biggest financial issue facing my generation, I thought I should due my diligence and report this issue. I hold private student loans through Wells Fargo, nearly {$25000.00} worth of them. First, I had focused on paying off my government owned student loan debt, and never directed an over-payment to my private loans. I wanted to open up more of my income by paying off the smaller loans first in case the worst should happen. 

On XX/XX/2019 I tried to make my first over-payment towards my higher interest student loan at Wells Fargo through my online banking application. As a personal banker myself I have a pretty decent competence with financial matters. After scouring for ways to pay towards principle only, it seemed as though there were no options online. I could only make " regular payments '' which would pay interest first, then be applied towards my regular payments instead of being directed as an over-payment towards the principle such as many do ( myself included ) with their mortgage loans. Figuring they were just being sneaky by trying to make it harder on my tech savvy generation to reduce our debt burden in the proper way, I decided to grab some cash and go to the bank in person to direct an over-payment towards principle only. 

After some discussion with the workers on XX/XX/2019 at the XXXX XXXX XXXX. Wells Fargo Bank in XXXX XXXX, MN they had refused to allow me to place a payment towards principle only! I should mention that I am, and have always been in good standing with my student loans. No late payments ever, and they are set up with auto-pay. So they have no viable reason to refuse my over-payment towards principle only. Filled with frustration, but ever cordial, I asked for a number to call their student loan department. Minutes later on XX/XX/2019 I remained on hold quite some time waiting for a representative. After a discussion with them, it was clear that Wells Fargo would not allow any payments to be made towards principle only. Simply " regular payments ''. As this would be extremely illegal to do with mortgage loans, I feel it is my obligation to report this mal-practice and unfair treatment towards recent graduates. 

I hope to learn from you that something is already in the works to protect students during our attempts to fight off exorbitant student loan debt. 

Thank you.
Product: Money transfer, virtual currency, or money service

Hello I am a XXXX XXXX Veteran, i served XXXX years as an XXXX I am running my small business which is a fashion brand that I develop original products with and have been established since 2018, my paypal account is much older and i have been in good standing with this company for a long time. Im writing you today because I sincerely wish to continue to do business and be able to drive further sales using paypal this year especially here in XXXX. I have fully read the paypal terms and conditions and am aware of what your rules for operating are and I have a legitimate fashion business, that being said it is currently being overly burdened by a very large indefinite hold of XXXX . 

Currently they are withholding a XXXX $ " XXXX '' with no clear reasoning or indication when these funds will become available. They have not given any clear indication when these funds will be released and I have tried to have the hold released after many months since my initial request on XX/XX/XXXX and subsequent request in XX/XX/XXXX. 

Both requests were met with vague responses about " A level of risk associated with your account ''. XXXX $ is a vastly egregious amount of business capital being withheld that is causing serious financial harm to the business. When compared to our annual revenue with paypal which is currently at XXXX $ for this fiscal year. 

This means that paypal is withholding XXXX XXXX of the entire annual revenue for our small business for over XXXX months now with no clear indication of when these funds will be released. 

I hope we can come to an agreement as our business has been registered and operational for over XXXX years and we wish to continue business with Paypal but currently they are being entirely unresponsive and withholding large funds indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX . This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with XXXX ( XXXX ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXX while I have paid and have my receipt. Equifax DO NOT PLAY THEIR GAME! XXXX is probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Equifax, update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning!! As you can see, I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too ; I have proof of everything I say. Again update my credit history to how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything nor anybody on this earth and the universe except GOD and HE is by my side!
Product: Credit card

I HAVE CONTACTED CAPITAL TIME AND TIME AGAIN TRYING TO RESOLVE THE MATTER THERE GIVING ME THE RUN AROUND AND CAN NOT PROVIDE ANY OF THE INFORMATION IM ASKING FOR WITH THAT BEING SAID I KNOW FOR A FACT THIS IS INACCURATE REPORTING ON MY CONSUMER REPORT WHICH IS CAUSING DEFAMANATION TO MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX YONKERS, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$110.00}, XXXX XXXX Balance Owed : {$0.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a debt on my report. I asked the top three credit bureaus to remove the debt because it is not my debt. This company reported a bill from XXXX XXXX XXXX for almost {$1800.00} that is not my debt and not even in my correct name. I have called the company and their information is not correct, they do not have my correct ssn or any other information that pertains to me ; but Experian states that they verified all the information and it is correct. This debt needs to be removed IMMEDIATELY. This is the third request and I have had enough. It is not my name, not my bill ( debt. ) I am exhausted with this.
Product: Credit card

U.S. Bank failed to refund the {$300.00} security deposit of a secured credit card I opened with them after my several attempts to communicate my request for refund. The account was closed by the company due to inactivity but I have not received the check for refund. I called four times in total this year ( first time in XXXX, then XXXX, XX/XX/XXXX, XX/XX/XXXX ) and was promised each time that they had or were going to mail the check to me but I never received them despite receiving other mails from U.S. Bank. I have also informed them during the last call on XX/XX/XXXX that if I don't receive the check by XX/XX/XXXX, I will file complaints. I was promised that it would arrive but it never did. They acknowledge the need to refund me but makes failed attempts or false promises on the delivery of the refund, and it seems futile to continue to communicate my demand directly with them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$180.00}.
Product: Checking or savings account

XX/XX/2023 I withdrew {$2300.00} dollars ( XXXX XXXX in a band, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) from United Bank at the teller inside. I needed it for a XXXX however the portal at XXXX sold that the transaction amount was too high so I went back to the bank between XXXX and XXXX to deposit it in the ATM ( it takes up to XXXX bills ), I inserted the cash and then proceeded to split XXXX XXXX out and say that it could only deposit {$1800.00}. I cancelled the transaction hoping it would return the full amount. It didn't and now the ATM has {$300.00} of my deposit in it. It's after XXXX and the call center is closed.
Product: Money transfer, virtual currency, or money service

Cashapp said I violated the user agreement. I asked for print of where I supposed to have done something wrong. This went on for weeks last year. I believe it started in XXXX or XXXX of 2024. I used Cash app to help my grandkids out. When Cash app blocked me I was constantly making contact with them. I still never gotten a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 UCS 1681i ( 5 ) I have waited more than 30 days and updated my credit report and everything was the same. 

XXXX and Experian are reporting a bankruptcy but the date reporting is not correct on the reports because if it was they would be the same. 

This is a violation of the FCRA and is preventing me from purchasing real estate. 

I am attaching a copy of my dispute letters and my credit report to see how my rights were violated.
Product: Debt collection

I received a voicemail on XXXX/XXXX/15 from someone named XXXX from XXXX XXXX XXXX at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from XXXX XXXX XXXX @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.
Product: Credit card or prepaid card

I purchased tires from a local XXXX XXXX tire center and was offered a discount if I used their credit card. I was told that it was also interest free for 6 months. 
After the 6 month period ended I found that the offer was falsely described to me and the promotion was " no interest '' only if I completely paid it off prior to the end of the 6 months. 
Since it was on auto pay I missed the date and was charged interest on the full amount at the rate of 29.99 % I believe this promotion was intentionally misleading in its setup, design and the way it was communicated.
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, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account name ' 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. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...