23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX, I realized we were not going to be able to make our payment by our XX/XX/XXXX due date. We were LATE with a payment ( 15 days, late fee was charged ) but not yet delinquent ( 30 days past due ). I wanted to figure out a plan before that happened to stop any negative credit reporting. I keep very close track of dates for that purpose and juggle payments around to make sure things are paid before credit reporting happens. After talking w/ a specialist, we agreed entering the offered COVID-19 relief program they were offering was a good idea. During this time, no payments were to be made and I was aware that interest would accrue and be added to my balance, which was fine. I was also aware that I was to pay the full balance due at the end of the program which again I agreed to. I was not looking to get out of our payment, I was just looking for a little more time. In agreeing to this, I was told that no ( additional ) late fee 's were to be added and no negative credit reporting was to be made which is why I wanted to get something in place. I was very relieved and I was able to make half of my payment on XX/XX/XXXX of {$200.00} so I was feeling pretty good about things. 
On XX/XX/XXXX, XXXX notified me that I had a credit change. I logged in and saw that Citibank had reported me as " over credit limit '' on my account. Well, when payments are not made, this happens but I was told during the period of XX/XX/XXXX ( when I entered the plan ) until the end of the program, no credit reporting was to be made as long as the account was not " delinquent '' - and ours was late but was not " delinquent '' on XX/XX/XXXX when starting the plan. It was not to become delinquent until XX/XX/XXXX. By then, again, we were in the program and I was promised no credit reporting was to be made. 
They lied - they reported me and my credit dropped. I went from " good '' to " fair ''. The sole reason I called Citibank and entered the plan was to AVOID negative credit reporting and they did it anyway. I would have never entered the plan and figured out another way to make my payment somehow. I called them XX/XX/XXXX and was transferred to a credit " specialist '', a supervisor, and she just said " sorry '' there is nothing we can do. She acknowledged that YES I had been in the plan as of XX/XX/XXXX, but because my account went " delinquent '' on XX/XX/XXXX, they reported me. 
I received a letter from Citi outlining my being in the plan and the terms CLEARLY state that no credit reporting was to have been submitted if this plan was in place prior to being " delinquent '' which mine was. 
This is horrible. Taking advantage and making promises to people who need help during this time. I was pro-active and reached out to them for help before our account became delinquent and they did this anyway. I have been a member since 1988. I will be reporting this to any and all places I can - local, state and federal agencies.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on XXXX and got the following offer : {$3100.00} loan Payment terms : 47 months at {$350.00} each That comes out to {$16000.00} My mind is blown! 
How are these companies allowed to exist? 
Regulations needs to be put in places to protect consumers. 

Of course I did not accept the loan and want to help protect others from companies like these. 

I have a screenshot to prove it. 

Thank you for investigating this! 
Cheers!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had an Fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX I am writing to formally dispute the late payment ( XXXX ) reported on my credit report for my account number : XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/year>, XX/XX/year> and XX/XX/year>. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

STATEMENTS NOT CREDITING PAYMENTS CORRECTLY AND NOT ABLE TO PAY EARLY ON MULTIPLE TIMES.DUE TO WEB ACCESS NOT. WORKING. THIS HAS HAPPENED THREE TIMES. VERY DIFFICULT TO REACH BY PHONE. CHAT NOTHING BUT AUTOMATED ANSWERS. REQUESTS TO SPEAK WITH MANAGER WERE JUST SOMEONE WILL CALL AND NEVER RECEIVED CALL. HAVE STATEMENTS PROVING ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2017 I applied for a VA loan through Guaranteed Rate. Was told by XXXX XXXX that my we did not qualify for a VA loan because my dad 's credit score was too low ( over XXXX ) and his credit was really bad but I alone qualifed for a First time homebuyer program. Guaranteed Rate ran my dad 's credit three times and because of this, his credit dropped so low that he no longer qualified for a VA loan. Now, my dad is facing being homeless as he has to be out of his place by XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX19 applied for finance on XXXX Lease from XXXX. 
As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. 
The lease was approved and I got my vehicle. 
Early XXXX I got notification that my credit score dropped with 85 points because I was 3 months in arrears with XXXX When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. 
I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). 
They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. 
I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to dispute an account listed on my equifax report. I received a letter stating equifax was unable to locate credit file. Yet I have access to my credit report? So how is it a credit file wasnt located. So, my frustration is as I read the letter further, I noticed in the letter equifax requested a copy of my indentifcation. So I sent for the thousandth time a copy of my social security info and Id. So needless to say Im furious because this indicates to my equifax hasnt taken my dispute serious no investigated my concern. They didnt respond to my validation request. Im therefore requesting assistance with this issue. Along, with removal of accounts that was disputed
Product: Debt or credit management

From XXXX I have been mislead by FREEDOM DEBT RELIEF. I still have not heard anything about my debt settlements and paid over {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by XXXX XXXX XXXX and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX XXXX XXXX XXXX XXXXXXXX ( also known as XXXX XXXX XXXX ) permission to furnish the following accounts XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have filed numerous CFPB complaints as well as sent Cease and Desist letters for these XXXX accounts. They still refuse to block and remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

no resolution file since XX/XX/year> turned over to FAIR XXXX  REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX XXXX XXXX all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX  REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. SINCE XX/XX/year> finger hut web bank. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides XXXX XXXX XXXX XXXX XXXX collect money? ... that not owe Selling the accounts different. Collect XXXX who stated all information was received. From web bank.? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i XXXX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below
Product: Credit reporting or other personal consumer reports

I have to FRAUDULENTLY inquiries on my Transunion credit report here is a list of the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 account number XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX - XXXX XXXX ACOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT NAME 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed several times regarding two accounts that shouldn't be on my report and charge off and a account that was reinserted after being deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I return car back to dealaship back in XX/XX/XXXX, it is still showing open on credit report and I went to XXXX and they still saying wait, but the account should said close because I turn in and paid last payment and it is now XX/XX/XXXX and it is holding me up from getting another car
Product: Checking or savings account

My Capital One Direct Deposit is being held from my account going on 12 hours now. They have repeatedly said there is tech issues and they don't have an ETA. Tech issues usually get solved quicker then this, which makes me think its a cyber attack and they are keeping it hush? Either way a more thorough explanation needs to be put out, because it has been too long since this started.
Product: Student loan

In XX/XX/XXXX, I was offered a position with XXXX and completed XXXX interviews. 
After interviewing, the XXXX XXXX XXXX XXXX XXXX XXXX told me I needed to undergo training to begin a job position with XXXX. I was told to sign for a loan and that I would be reimbursed after working XXXX years with XXXX. When I asked when the repayments would start, the XXXX XXXX ( XXXX XXXX ) repeatedly told me the repayments would only start after I begin my new position. 

However, the training was NOT inclusive to me, and I struggled to receive assistance from the team at XXXX. After the training period was over in XX/XX/XXXX, I was not offered a job with XXXX ( and neither was anyone who underwent the training ). The XXXX XXXX revealed, at the end of training, that our resumes will be sent to other companies ( I still have not been employed through this process ). 

Further research showed me this is an aggressive/deceptive tactic XXXX uses to trick aspiring XXXX to sign up for a loan in expectation to begin a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The loan amount from Meritize is {$23000.00} with a XXXX00 % Interest Rate ( Total payments : {$33000.00} ).
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies ( CRAs ) for their continued reporting of account XXXXXXXX XXXX XXXX XXXX which is past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ). I have sent multiple dispute letters to no avail. My last dispute letter sent over 45 days ago which is dated and time stamped is attached. 

Under the FCRA, an account must be removed from a credit report seven years after the date of first delinquency ( DOFD ). Despite this clear regulation, the CRAs continue to report this account beyond the allowable timeframe. Furthermore, the CRAs are reporting inaccurate information, including : Date of First Delinquency ( DOFD ) : The date being reported is incorrect, which is instrumental in determining the account 's removal. 
Date Last Active : This date is also being inaccurately reported, which affects the account 's status and validity.

These inaccuracies violate my rights under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), which requires the exclusion of outdated accounts, and 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

We have a mortgage with Roundpoint Mortgage Servicing. Apparently the escrow balance changed which changed our monthly payment. Roundpoint has debited our XXXX checking account for the old amount, but will not apply this to our payment. They have not called, emailed or otherwise contacted me or my wife. Now they have added a " late payment '' fee and consider the account overdue and " in default. '' I have emailed them over 20 times on their site and they have not read or responded. 
I have called and left messages as per their instructions and nobody has called me back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint with DISCOVER BANK regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. The related FTC report number for this dispute are XXXX, XXXX. Upon reviewing my credit file, I have identified several entries that appear to be inaccurate, duplicative, or fraudulent, with no evidence of authorization or approval by me. These entries do not correspond to any legitimate transactions, accounts, or activities that I have initiated and may be the result of fraud. As such, I assert that these inaccuracies violate my rights under the FCRA and FACTA, which provide me the ability to dispute inaccurate information and require you to investigate and correct or remove any unverified or erroneous entries.

I believe these inaccuracies violate multiple sections of the FCRA, including Section 1681e ( b ), which mandates that credit reporting agencies maintain accurate information. The disputed entries on my report either appear duplicated or contain no legitimate transactions authorized by me. In addition, Section 1681i of the FCRA requires that credit agencies conduct a thorough investigation of disputed items within 30 days ; however, this has not occurred. If the disputed information can not be verified, it must be removed or corrected. Furthermore, under FCRA Section 1681c, outdated negative information must be removed if it exceeds the seven-year retention period, and I believe some entries on my report may be in violation of this rule. In compliance with FACTA, I am entitled to receive documentation proving the accuracy of these entries, yet I have not received such evidence. Therefore, I formally request that DISCOVER BANK conduct a thorough investigation of these disputed items and, if they can not be verified, remove them from my credit report immediately. If these issues are not resolved in a timely manner, I will pursue further legal action to protect my rights under both federal and state law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which also violates Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Debt collection

I am composing this to formally report to my credit report an incidence of identity theft and fake accounts. I just got a copy of my Experian credit report, and in it, I saw a number of unapproved transactions and accounts that I never opened. I am quite concerned about this and am asking for your help to find a solution. 

The information about the bogus accounts can be seen below : XXXXXXXX XXXX XXXXXXXX - XXXX  and XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXXXXXX - XXXX  and XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made. 
I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.
Product: Vehicle loan or lease

I took out a loan on XX/XX/XXXX for {$20000.00}, the payments are {$590.00} a month at a 28 % interest rate. As of today, I still owe {$19000.00}. Which would mean for my past 2 years of payments I have only paid off {$1300.00}, which makes no sense. I have told the lender on more than one occasion that I don't have a job and can not afford the car, I have asked them to come take it back and they won't do it. I have paid so much money into this car and I think it is only fair that I get to keep it. It is only worth under {$6000.00} and they are charging me 3 times that much. They keep adding fees such as an Access Fee To Account fee of anywhere from {$15.00} to {$29.00} every few days. These fees are not listed anywhere in the contract and no one can tell me what they are for. In XX/XX/XXXX my payoff balance was {$16000.00} and now it is {$19000.00}, I have been making payments as I can, although usually late but no where on here does it say I have late fees that would total that much. They refuse to refinance for me and I have asked about what happens if I file bankruptcy and they won't tell me and say that I can't do that or they will come take the car and I will have to pay the full amount. I feel like this interest rate is way too high and it was not told to me upfront when I bought the cat.
Product: Money transfer, virtual currency, or money service

I am filling a compliant against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX