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

XXXX has been reporting false and inaccurate information on my credit files, reporting my account 30 days past due. I went into a hardship program approximately XX/XX/XXXX, with payments being set at {$110.00} due on the XXXX of each month. If payments are not received on the XXXX of the month, XXXX reports the payment as 30 days past due, no matter if the payment is made on the XXXX or XXXX of the month. 

Also, in or around the end of XXXX, beginning of XXXX, I reached out to XXXX in reference to my account balance, and scheduled payments. I asked XXXX rep. if my current payment plan of {$110.00} was up to date, because I had paid my balance down by $ XXXX {$400.00}. I wanted to know if my payment was going to be less than {$110.00} going forward, since the balance was lower. The XXXX stated your PAYMENTS are {$80.00}, not {$110.00}, and I asked her if she was sure that my payment was now {$80.00}, she assured me that it was. Prior to this phone call, I made an early payment of {$200.00} on XX/XX/XXXX, towards my XXXX payment, which wasnt due until XX/XX/XXXX. 

On XX/XX/XXXX, I made an {$80.00} payment on my XXXX charge account, which was thee amount the XXXX XXXX told me my payment would be going forward. And on XX/XX/XXXX, I made another payment of {$80.00} on my XXXX charge account, but XXXX reported my account 30 days past due for the months of XXXX and XXXX, with an outstanding payment of {$74.00} due. 
I paid {$200.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} XX/XX/XXXX, and another payment of {$110.00} on XX/XX/XXXX, which is a total of {$470.00}. 

If the said payments were in fact {$110.00} per month and not {$80.00} per month, then that totals {$350.00} ( for 3 months XXXX, XXXX, and XXXX ), which is {$120.00} more than what was due and required of me to pay for the XXXX months ( XXXX, XXXX, and XXXX )! Therefore, I am requesting an immediate audit of my XXXX CHARGE ACCOUNT! 

The credit bureau XXXXeporting guidelines state that a creditor may report a consumers account late, if a consumer pays an account 30 DAYS AFTER THE PAYMENT DUE DATE!!! On my most recent credit report it shows XXXX and XXXX as 30 days past due, which is ABSOLUTELY FALSE / INAACURATE! 

Further, XXXX is reporting inaccurate and false information against the Fair credit reporting act and Consumer protection agency rules and guidelines, and is refusing to remove such negative reporting. I have proof and receipts of all payments made on my account, which shows that payments were made before 30 DAYS AFTER THE PAYMENT DUE DATE! A creditor CAN NOT submit false information to the credit bureau just because a payment is past due by XXXX days. As long as the payment is made within the 30 days cutoff period, they have to follow and abide by the laws of the Fair credit reporting act, and the Consumer protection agency.

This company needs to be investigated for unfair business practices and laws. Further, under the hardship programs a consumers account is not supposed to be reported to credit bureaus, and especially is the payments are not received 30 DAYS AFTER THE PAYMENT DUE DATE.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, TransUnion and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I received notification from XXXX XXXX which is a mortgage loan serving company that they had a data breach and my information may have been used to open fraudulent accounts.

I went and checked my credit and didn't see any fraudulent account but I did see that multiple attempts to open account were made by over XXXX new inquires. 

I reached out to all these companies and none of them sent me information in regards to the source of the fraudulent inquires. The companies said they were done online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have an " adverse '' account listed on my Transunion credit report that is over 7 years old. XXXX and XXXX removed the adverse status after XXXX years. I have asked Transunion to change the status as well through XXXX dispute requests on XX/XX/XXXX and XX/XX/XXXX. Both investigations verified the account as accurate, but the investigations do not show the adverse account status that I see on my credit report. 

The account in question was with XXXX XXXX XXXXXXXX and was closed XX/XX/XXXX. There was XXXX payment XXXX days past due in XX/XX/XXXX. The Transunion Pay Status for this account says : " Paid. Closed, was paid as agreed. '' However, there is a note in the Remarks field that says : " Credit Line Suspended ; Closed. '' Both XXXX and XXXX removed this past due marker after XXXX  years. At XXXX, the this same account currently has an Account Status of PAYS_AS_AGREED and Activity Designator as PAID_AND_CLOSED. XXXX currently lists this same account Status as " Paid, Closed/Never late. '' I asked Transunion to remove the Adverse account status but they have not changed the status after XXXX dispute investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX ( XX/XX/year> ) Dear CFPD, I am writing to dispute incorrect personal information on my credit report. The names and addresses listed do not belong to me. Please investigate these inaccuracies and remove them from my record. 

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

The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of 1974 Violations with Experian, XXXX and XXXX. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to Experian, XXXX and XXXX on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from Experian, XXXX and XXXX regarding this matter.
Product: Mortgage

Hi, My mortgage has been transferred to a new company last month. As indicated on the document, i scheduled my new payment to the new company via XXXX in the amount of {$2000.00} on XX/XX/XXXX. On XX/XX/XXXX i made an extra {$50.00} payment towards the principal which was applied.However, the {$2000.00} was never applied on my account, ten days later, i get an updated statement saying i missed a payment. I contacted them, provided them with a confirmation number from the bank that the payment was cashed by them. XXXX XXXX XXXX also called them. They said they needed to find my payment as they could not locate it. Now i receive collection letter EVEN IF I HAVE PAID. today, the company is saying the return the payment to XXXX XXXX XXXX and can not provide me with a confirmation or tracking information. XXXX XXXX XXXX has not receive the money as of XX/XX/XXXX that the company sent on XX/XX/XXXX. I have to make another payment to this company that i have no trust in. Please help me apply my money to my account!!!! The company is home point financial center. the incident is XXXX
Product: Money transfer, virtual currency, or money service

Around XXXX on XX/XX/XXXX, I received a message via XXXX XXXX regarding the sale of my bed I had in the XXXX XXXX XXXX The buyer went by the name, XXXX and supposedly sent me {$100.00} for the bed. However, I received an email from XXXX stating that my XXXX  account needed to be upgraded to receive the XXXX and I was to send {$400.00} via XXXX and would be refunded a total of {$500.00}. Due to XXXX 's security measures, it didn't send the funds so I sent the funds through PayPal to XXXX XXXX XXXX for a total of {$400.00} after the paypal fee. This amount has since been returned to my bank due to an insufficient balance. I sent this amount around XXXX on XX/XX/XXXX. I would receive XXXX other emails regarding a tax and vat fee for {$500.00} to XXXX XXXX ( sent around XXXX ), and then a certificate fee for {$300.00} to XXXX XXXX XXXX sent around XXXX ). Each email promised I would be refunded the full amount and an additional {$50.00} for the inconvenience. However, the last step was to give them my bank account and login information which I refused to do. 

Each of these transactions was sent via paypal 's friends and family services despite it being a supposed goods and service transaction because that is what I was instructed to do. I have been on the phone with both XXXX  XXXX XXXX and paypal multiple times over the course of several weeks with no solution and no recourse. Paypal won't do anything because of how I sent the funds and even the dispute I filed was denied. My bank won't do anything either because of how the funds were sent and I have been overdrawn close to {$400.00} since the XXXX when the paypal transactions reached my bank. The {$400.00} amount has since been returned or it would be overdrawn over {$700.00}. 

I have been able to put a stop payment for the XXXX  transactions so far to hopefully prevent further attempts. However, I do have a negative amount now of {$400.00} on my PayPal balance because the bank has returned it so it is still affecting me. 

I have told both agencies that this was a scam and despite them being sympathetic to my circumstances nothing has been done. 

The attached screenshots are as follows : the initial email states that XXXX, the assumed name of the person who was supposedly interested in my product, had sent me {$100.00} but my account needed to be upgraded. 
The amount of {$400.00} was to be sent to the 'buyer ' which would be XXXX XXXX XXXX which would be a total of {$400.00} the following emails show the vat and tax fee and email address to send it to as well as the certificate fee and the email address to send it to. 
the last email shows the " last step '' I would need to do to get all the money refunded to my account which included giving my bank account and login information. 

Following the last email, I stopped all contact with the " buyer '' and reported them. I did not give them my bank account information.
Product: Student loan

FEDLoan- I have been XXXX for 8 years. I received a XXXX loan for some XXXX work.FEDLoan is the servicing agency. Although I send the forms in on time for my service year they always find something to deny my application form. example- Principal singed too early ( before the school year was official over ), or I signed too early ( the last days of school are very rushed and we try to get things done early to beat rush ). This date criteria are not stipulated as a problem on their documentation. Also FEDLoan will email me informing me of coming due dates, but will only use regular mail to inform me of their rejections as to prolong lag time between responses, I would assume. How am I going to get a hold of the XXXX? I fulfill my part of the bargain, I want them to fulfill theirs in good faith. 
Thank you.
Product: Student loan

A school misconduct discharge application was sent to XXXX XXXX months ago around XX/XX/year>. I received a denied response on XX/XX/year> from Mohela since XXXX transferred the loans to them.. The denial simply states my application does not meet their criteria. There is no criteria listed, nor have they provided any specifics as to why this application was denied. My school is listed under Exhibit C of the XXXX vs. XXXX case and has been found in federal court to have committed fraud, misleading students, and other areas of misconduct, yet this application was denied.
Product: Prepaid card

I was given XXXX {$180.00} American Express gift cards. I tried to use them and was embarrassed when they were declined. I placed several phone calls to the phone number on the back of the gift cards and spoke to supervisors who told me the XXXX American Express gift cards I received ( for {$180.00} each ) went to California unclaimed property. Since I did not purchase these gift cards, unclaimed property can not help me. I explained this to American Express but they do not care and have offered no resolution. America Express had no right to {$0.00} them out when it is clearly printed on the front that the gift cards are valid through XX/XX/year>.
Product: Debt collection

I had 100 % financial assistance for XXXX XXXX. I have spoken to a lady at Dynamic Recovery Solutions who told me it's not their problem and wants me to pay it. I offered to send her the letter I got from the hospital proving this debt was not owed but she just kept arguing with me telling me she could set up a payment plan. I don't want a payment plan for a debt that isn't owed. I want it off my credit report.
Product: Credit card

The contrast between my consistent on-time payments for this account and the XXXX caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, XXXX the urgency of this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 -602, states I have the right to privacy.

15 USC 1681-604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open on a consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.
Product: Credit reporting or other personal consumer reports

I contacted your department following my credit report purchase with XXXX on XX/XX/XXXX. Upon reviewing my report, I discovered persistently UNVERIFIABLE information in my personal profile, including INACCURATE, COLLECTIONS, and CHARGE OFF accounts, as well as inquiries. This is disheartening, considering my ongoing subscription with XXXX, monthly report acquisitions, and continuous disputes without tangible resolution. Despite my efforts, your team suggested writing a letter and attaching a copy of the identity theft report ( FTC report # : XXXX ). I want to emphasize my lack of transaction history with the listed accounts below. Thus, I seek your assistance in removing the charged off, inaccurate, and collection accounts and inquiries, along with rectifying the incorrect information in my personal profile. Enclosed in this request are copies of my Utility Bill, Drivers License, and SS ID for verification purposes. Kindly expedite the resolution of this matter. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an 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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there despite 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 the significant inconvenience and financial loss, and I seek appropriate redress for their violations.
Product: Credit card

This creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC 1681 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

Orginal Debit : XXXX XXXX XXXX XXXX Balance {$43.00} XX/XX/2019 Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/2019. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people.
Product: Credit card or prepaid card

This complaint is about new problems since the previous complaint I had filed that has been called 'Closed. ' The fact is while I was not happy with the result it was at least supposed to be OVER. Without warning, without explanation, without reason, Citibank had already cancelled my card lack XXXX after I'd overpaid and had a credit balance. Refused to tell me why or make a refund. It took 3 months and a complaint with the CFPB to get it but the refund came. They refused to talk to me when I used their identity procedure on the phone but instead tried to do account information phishing on nonCitibank accounts, otherwise they wouldn't talk about my card. And left messages that said my card was permanently cancelled and made a vague accusation of me committing " Fraud '' by disputing some charge in a fraudulent manner even though I wasn't disputing a charge. The caller identified herself as XXXX XXXX, I have no way of knowing if that's a real name or just one she uses. But still no explanation of why they cancelled my card. Others called where I picked out they said " Citibank '' but were too mushmouthed in their speaking to be understood. 

Now, without asking permission of any sort of notice at all, they have started to put charges on the account they cancelled. This is not me going out and using the card. Simply put, there is no excuse for them saying I have anything but a XXXX balance on this account that they have cancelled. This is identity theft, Citibank is guilty of it. 

This is without question a crime on the part of Citibank.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX - XXXX
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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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. XXXX ( 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ,