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

I recently reviewed a copy of my credit report and notice I had fraudulent on my report. Please remove these accounts from my reports. Please remove these accounts from my reports, they are hurting my ability to obtain credit. Also, they are numerous of different names, phone numbers and addresses that need a to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I was awarded a chargeback for a purchase and the refund check in the amount of {$6300.00} was to be sent to me. I was told the check was mailed back in XXXX. I have not received a check. Every time I call they tell me they are going to mail a new check. I still have yet to receive a check 2 months later. I am owed {$6300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company or have I ever had a relationship with this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit card or prepaid card

In XXXX of XXXX I forwarded a {$100.00} payment to Capital One along with a note to divide the payment ( XXXX ) ways in which I requested {$50.00} be applied to XX/XX/XXXX payment due, With {$25.00} being applied to XX/XX/XXXX payment due and requested the remaining {$25.00} to be applied to the XX/XX/XXXX payment due. 

Because Capital One failed to apply my payments as requested and to further the matter has failed to reverse the entire {$100.00} payment applied to the XX/XX/XXXX payment, my account is now past due,, as well as the company adding both a late charge and a finance charge. 

I forwarded the {$100.00} payment back in XX/XX/XXXX with the intent to pay ahead as I knew I would have other obligations to take care of during the months I paid ahead and did not want to affect my credit. 

I have spoken with Capital One reps at least ( XXXX ) times about this matter and all calls ar said to be recorded.
Product: Student loan

XX/XX/2013 when I first went in to get information about XXXX University & decided to signup due to the information that was provided to me at the time from the school itself, the admission counselor completely mislead me into believing that they offered student loan help and assured me that based on my income at the time which was none, I would not have to pay any loans because I supposedly was able to qualify due to my financial status in that moment. Sometime after graduating I started to notice on my credit report that I owned over $ XXXX in student loans for an XXXX XXXX XXXX of XXXX  years in XXXX XXXX XXXX for which I was completely manipulated & groomed by the counselor to not dropout the school & to get into their XXXX XXXX  due to the fact that I wanted out so they suggested I just had to change to a different program. I was completely misinformed & gaslighted into the program. My credit report shows many inconsistencies for all off the loans that the school signed me up for. At this time I've been trying to fight for years to get these student loans removed from my credit due to the misinformation that was provided.
Product: Credit reporting or other personal consumer reports

My personal information has been exposed in data breach under the FCRA LAW i want my credit report Cleared TransUnion, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXXXXXX  am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Personal loan installment loan with a fixed interest rate from One Main Financial. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX  app that I had a closed account. When I checked the notification it had One Main Financial as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local One Main Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.
Product: Credit card

i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. 
When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} & XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

REINVESTIGATION I desagree with the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the inaccuracy are highly injurious to my credit score other credit agencies they deleted this account from my credit report Account name XXXX XXXX XXXX XXXX Account number # XXXXXXXX  Account name XXXX XXXX XXXX Account number # XXXX In accordance with the fair credit reporting Act. Public law 91-506, Title VI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please me an updated copy of my credit report after your information
Product: Vehicle loan or lease

ALLEY FINANCIAL XXXX. XXXX XXXX, XXXX, MN XXXX. 
Subject : a/c no XXXX auto loan XXXX I KINDLY REQUEST YOUR OFFICE TO SEND COPIES OF PAYMENT HISTORY FOR THE LAST 18 MONTHS AND YOUR RESPONSE TO MY COMPLAINT SUBMITTED VIA CONSUMER FINANCIAL PROTECTION OFFICE AND OFFICE OF THE COMPTROLLER DETAILED LOAN HISTORY. 
TO MY ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX VA XXXX HARD AND SOFT COPY TO XXXX ARGUMENT : AS YOU ARE WELL AWARE I COMPLAINED ABOUT ALL PAYMENT HISTORY PAID AND MISSED POSTING OR ANY OTHER MISTAKES TO CONSUMER FINANCIAL PROTECTION OFFICE, STILL I DID NOT GET CORRECTIVE MEASURE BY THIS BANK IN WHICH CASE MY BALANCE IS ONLY USD {$1400.00} INSTAED OF {$8500.00} PLEASE ADJUST THE BOOK AS SOON AS POSSIBLE. SECONDLY, PLEASE SEND ME A PASSWORD RESET TO MY XXXX ADDRESS ( XXXX XXXX SINCE YOUR ONLINE SYSTEM DID NOT LET ME DO SO. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Debt was paid and should be removed from my credit reporting as agreed when debt was paid.
Product: Checking or savings account

Block Inc and or Cashapp closed my account on XX/XX/year> saying that I violated terms of conditions, I asked more than once as of why my account is being shut down and of course they did not tell me any reason or explain to me why, and my account is fully verified with my ID, social security number, and address on file, I also have money and bitcoin still in it and I refuse to withdraw unless they give me a valid explanation.
Product: Money transfer, virtual currency, or money service

Last week my girlfriend tried to cash my check for me on venmo because I didnt have a bank account. It didnt let hee, so I made a venmo account and cashed it on my account. The next day they froze my account and wont let me access my money. Its almost XXXX XXXX XXXX I need this money to pay my bills and feed my XXXX. They wont tell me why my account is frozen, Ive sent them a picture of my ID, my social security number, along with a picture of the bank account on file. They still have not releases my money or given me any explanation.
Product: Bank account or service

HSA Bank, who my current employer uses to manage employee health savings accounts, contacted me about a contribution that had been made to a closed HSA account in my name. Upon speaking with an HSA Bank employee, XXXX XXXX, I was informed that my previous employer, XXXX XXXX XXXX XXXX XXXX - who I had not worked for in almost a year and a half - had made an HSA contribution on my behalf. 

I informed her that I was no longer employed by that entity and that any funds contributed by them should be returned. I was provided a form to assist with this. XXXX XXXX provided the date and amount of the contribution as I did not have access to the closed account. At the time, it did not occur to me that the amount XXXX XXXX provided was the same contribution amount as is presently being made by my current employer, XXXX. 

This did not become apparent until I was notified that HSA Bank had closed my health savings account on or about XXXX XXXX, 2016. After determining that HSA Bank had inexplicably attributed contributions from my current employer as being made by my past employer, the account was re-opened on XXXX XXXX, 2016. 

During the time the account was closed, XXXX separate pay periods elapsed, and contributions were deducted from XXXX different paychecks and made towards my HSA account even though no HSA account was open in my name. Eventually, HSA Bank populated my account with funds sufficient to cover XXXX of those XXXX contributions, but they have refused to answer any requests I have made regarding the missing contribution. 

On XXXX XXXX, 2016 XXXX XXXX with HSA Bank, with whom this matter has been previously discussed, was provided with a detailed email reviewing the circumstances and requesting information as to where the missing contribution was deposited or refunded to, but to date, she has provided no response. 

HSA Bank has not provided an accounting of the missing funds, and has failed to explain why the funds where incorrectly identified as having been made by a previous employer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 reported in to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

This is the 2nd time I had to file a complaint with the same Amscot store. The first time thy tried to deny me the loan and corporate got involved and made them give me the loan.This time they are refusing to enter in my payday and keep entering in the day THEY want me to pay. I told them 2 times that my payday is on the XXXX and the first time she said okay and hung up the phone then they began leaving messages and I found out that she never entered it into the system to begin with. I am trying to pay it off as I have always done ON time but they always try to switch up the actual day of my payday. I am tired of trying to make them do the right thing. Please make management have them enter in the correct day which is the XXXX.They knew this when they gave it to me and eep trying to deny me services once again. this is clearly not right.
Product: Money transfer, virtual currency, or money service

My account has recently been suspended and despite my efforts to contact customer service, they have been unable to provide any help or support to unsuspend my account. 

The customer service team have informed me that it is an automated system that decided to suspend my account and unfortunately, there is nothing they can do to reverse this decision. This has left me feeling extremely let down and unsupported by Coinbase, especially as I've done nothing wrong I have been treated poorly and left with no resolution to my account suspension.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this accounst under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX, Balance : {$28000.00} XXXX XXXX XXXX  XXXX XXXX, Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Back in XXXX I was served with Summons from XXXX XXXX XXXX. Was told I was being sued for debt. My court date is XX/XX/XXXX. I have been asking since end of XXXX them to provide proof of debt. They want to collect {$3800.00}. I asked them to have their client send me any and all documents they have to support this total.I want to see exactly how they arrived and this total and figured late fees and interest. 

I received a letter from the original creditor today. Did not contain any information other than the account name. They are now saying I need to send them payment, but did not even list a balance. Why are they trying to collect the debt when XXXX & XXXX told me they are handling it? 

They have been stalling me for almost two months now, so they can go to court and get a default judgment. I offered to settle, but wanted to verify the amount first. They refuse to provide me the info I have requested.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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