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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in those account 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 1637 ( b ) of this title is mailed or delivered 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!

Delete the late payments from my consumer reports
Product: Bank account or service

I have been banking with Suntrust for a few years. I have two checking accounts and savings accounts. I have my payroll direct deposited every two weeks in my account. I use my debit card for all my purchases. Recently my account was froze on XX/XX/2017 for some unknown reason. I am not able to make purchases, or pay any bills since my bank account has my funds in it. I have not received any correspondence in the mail regarding my back account. No one online or in person seems like they can help me, or tell me why my account is like this. I have my income tax being deposited in my account in the next two weeks and it looks like I will not be able to get that money since my account is blocked. That will be another 3 months to receive a normal check. Meanwhile I am depending on the check to help me pay off some loans. I feel like I am being treated unfairly. These funds are my funds and they should not be able to freeze them for an account review without a reason of why.
Product: Money transfer, virtual currency, or money service

Hello, Cashapp closed my account unexpectedly without explanation. I tried numerous times to find out why, but cashapp wont help. 


My cashapp username name is XXXX  XXXX, and my name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit investigations on XX/XX/XXXX. XXXX and Trans Union were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from XXXX and Trans Union. XXXX did respond in a timely manner.
Product: Student loan

On XX/XX/XXXX, I received a letter from Nelnet stating that the Biden-Harris program had forgiven my student loans. 
I logged into my account, and I had 2 letters awaiting me stating that the loans had been forgiven and my balance reflected a XXXX balance. Last week, I received a letter from Nelnet stating that my loans were in forbearance. I logged into my account, and my balance was XXXX. and it said my payments would resume in XXXX of XXXX. 
I have tried to contact Nelnet, but after 5 hours of hold time over a couple of days, I am reaching out to CFPB for assistance in clearing this issue up. As of right now, my credit report is showing a XXXX balance. However, I fear that once the agencies are updated next month, this could greatly impact the closing of my home.
Product: Checking or savings account

XX/XX/XXXX my fees they are not wave if I go under a 100 I can't go under a 100 dollars an I do direct deposit An they charge for money orders XXXX dollars
Product: Credit card or prepaid card

Comenity Bank has been " performing scheduled maintenance '' for over a week without allowing me access to my account. When I call they say the office is closed and hang up. When I try to contact them via " secure message '' on their website it redirects me to log in to send the message and guess what? Since they are having maintenance, it won't let me log in to even message them. I do not feel comfortable having an open credit line with a company that conducts itself in this way. I do not feel that my information is safe and have zero idea what is going on with my own account since I have no access. I have requested my account be closed via their XXXX page as this is the only way to get a message to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XX/XX/XXXX SS XXXX
Product: Credit card

I use the Comenity NFL Points credit card only because they took over for XXXX XXXX  NFL program and I use points towards NFL ticket purchases, etc, and have been having NOTHING but problems since they took over, which I will not go into every detail at this time, just a major issue I am having and have had numerous times since their inception.. I have a $ XXXX credit line which I have always PAY IN FULL each month. At this moment in time my account shows $ XXXX available credit, yet I can not make a {$20.00} XXXX purchase or buy {$4.00} worth of postage as it is being declined. 

The bank is all over the place with their responses to me, however I see this to be a problem. Up until recently and for the past XXXX years I've had a credit card, if I make a payment and it shows posted, I have access to that available credit. Not so much here. This morning I look at my credit line directly from their website ( which I pay off completely each month ), it shows I have a credit limit of $ XXXX with a current balance of $ XXXX, leaving $ XXXX available credit ( it's their math, not mine- I'll show attachment ), however when I try to ship a package and run a postage for a measly {$4.00}, it is declined for lack of funds. 

Now, from what I gather from the many many times I've reached out to them, their lack of posting my payments in a timely manner causes different credit charges to be declined. From what I am trying to comprehend, but can not, is that if I show $ XXXX available to me and I try to run a say {$5000.00} credit card charge and it is declined for whatever their reasoning, they actually place a temporary hold on that money for up to 7 days. Now say that $ XXXX is tried to be run again, as my credit line still says $ XXXX available to me, they hold yet ANOTHER $ XXXX for up to 7 days. Now let 's just say there's a random {$500.00} charge declined, and maybe a {$450.00} charge declined, it adds up and keeps a hold on my available credit line. All while showing me that $ XXXX is available. Now, lets say I make a {$4000.00} payment and a {$3000.00} payment, it then immediately shows me I have $ XXXX, BUT, here 's the kicker, I can not use that money for 7 days either, which happened all of a sudden and was never this way for my XXXX years of using credit cards. They say it's for MY PROTECTION. All while other transactions are being declined and then still adding up and being held for up to 7 days. It's a massive circle.. Just yesterday I get a " Fraud Alert '' on my cell phone asking if I approved a {$400.00} purchase from such and such, and I responded yes, and they respond cool thank you, they STILL DECLINED THE CHARGE, forcing the person I approved to try and run the card again, thus holding my money for up to another week. 

Oh while I'm at it, I paid my card in full last month, yet they still charged me interest for some unknown reason.. 

I have STELLAR credit and Comenity is making me out to be a degenerate. I hold my breath each time I use this card in fear of it not working. The ONLY REASON I keep this card is for the NFL points I've accumulated and I use constantly.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX , MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$53000.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Under 15 USC 1681 - Data Breach-Related Issue Dear CFPB, I am writing to dispute an issue related to a recent data breach. My personal information was compromised, and I have reason to believe that my credit report and/or financial accounts may have been affected.

The details of my dispute are as follows : - Date of Data Breach : XX/XX/year>. 

I request that the CFPB investigate this matter and take necessary steps to : 1. Remove any unauthorized accounts/inquiries/errors from my credit report.

2. Provide me with a complimentary credit report and credit monitoring services. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

Bank of america not sending me my bank statements XXXX requested my bank statements from the begining 8f my account to this day .several times and still have not tecieved them ..nor can i view them online .. my last XXXX complaints madesent to bank of america returned marked as duplicated complaints ..but they are not both complaints speak about different issues im having with bank of america ..so they should not be considered closed..
Product: Debt collection

During the process of trying to set up a repayment plan with my collector, XXXX XXXX at Performant Recovery Inc, I had to end the phone call on XXXX XXXX, 2016. I informed him that I would call back when I had the time to talk and go through the rather lengthy process of providing all of my financial information needed for the plan. 

Not long after ( XXXX XXXX, 2016 ), XXXX calls my employer looking for me ( I never provided this information nor gave permission to do so ). Furthermore, I never received any phone calls from XXXX since our last conversation on XXXX XXXX. I have shown no signs of evading this loan and have shown willingness to set up a payment plan. 

On XXXX XXXX, upon being notified from my employer, I call XXXX. Frustrated, I ask him why he calls my employer and he tells me that he has tried to contact me multiple times. Rather than hearing my complaints, he tried to minimize the situation and bring the conversation to the focus of paying my debt. When I told him that I would be willing to proceed if he can furnish proof that he has called me ( so that I could confirm with my phone carrier ), he fell silent and " did some research '' to say that he was wrong and he never contacted me. 

Now I am put at risk of losing my job or being perceived in a negative way at work due to this incident.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an Discover account, as reported to the major credit reporting agencies ( including but not limited to : XXXX, XXXX, XXXX, and XXXX ). 

The payment history provided by the credit reporting agencies shows Discover repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, Discover 's response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute.

Discover acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and Discovers negligent actions have defamed my credit reputation. 

While Discover claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors. 

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of Discover, XXXX, XXXX, XXXX, XXXX, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX of Mr. COOPER and calls answered by night as Nation star and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, XXXX XXXX, This document explains that prop was purchased in another name of another through XXXX XXXX. 

I would call XXXX XXXX as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.
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 XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX, XXXX Account # XXXX, Account name : XXXX 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 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: Debt collection

A few years ago XXXX XXXX put a {$77.00} charge on my account. I went thru the credit bureaus and the it was proven to not be mine and they removed it from my credit profile. They have sold the debt to a couple of collection agencies over the next couple of years and and I repeated the process with the same result. The debt was removed. They have once again sold the debt to Sunrise Credit Service my credit score has dropped XXXX points. I would like this handled once and for all so that they can't sell this debt every year to another company causing large drops in my credit and hours os wasted time to once again prove that this is not my debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding Equifax handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Equifax numerous times and reporting discrepancies, Equifax failed to investigate my claims adequately. They informed me that the credit was bought by a company and that it was accurate, and it will remain. The CFPB 's finding indicate that Equifax has not only been neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I also have a case number for them XXXX case number and this number is the number that let me know my information was COMPROMISED XXXX LEAVING ME VULNERABLE TO IDENTITY THEFT.