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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made my payment on time, and the late payment reporting is incorrect. I have attached my bank statements and payment confirmation showing the payment was processed well before the due date. 
Clerical Error : There seems to be a data entry error. The amount listed does not match my payment history. The payment was processed but erroneously marked as late. This needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Affirm needs stricter regulations when approving accounts. A fraudulent account was opened in my name on XX/XX/2022, for {$1500.00}, and it has since been charged off with a balance of {$1700.00}. I have never opened an account with Affirm, nor have I signed any documents authorizing one. This situation highlights serious flaws in their identity verification process. Consumers should not have to deal with the consequences of weak security measures. I want this removed from my credit immediately. Affirm must take responsibility and implement stronger protections to prevent fraud.
Product: Credit card or prepaid card

On Wednesday XX/XX/XXXX, I visited XXXX XXXX XXXX. After the initial examination, it was made clear that they would not be able to meet my needs. I was to charged {$150.00} for the office visit ; however, my account was charged the full cost of the procedure, {$1800.00}. The merchant called to notify me of their mistake on Thursday XX/XX/XXXX but refused to credit my account stating there is nothing they can do. 

I immediately contact Citibank and was informed that I could not file a dispute until the actual charge was listed on my billing statement. Therefore, I faxed a letter of complaint/dispute with Citibank on XX/XX/XXXX. On XX/XX/XXXX, I faxed another letter detailing the circumstances and transcription of the voicemail left by the merchant. On XX/XX/XXXX, I faxed another letter to Citibank and called customer service several times regarding this issue. On XX/XX/XXXX, I finally received an email notification from Citibank stating that my account could not be credited for the {$1800.00}, plus interests and fees, due to the " passing of the allotted time frame ''. On XX/XX/XXXX, I faxed Citibank a letter highlighting the dates of my attempts to resolve this matter and their negligence in allowing the time frame to end. On XX/XX/XXXX, I received an email from Citibank stating there is nothing more they can do, the charge will remain on my account, and adversely effect my credit if remains unpaid.
Product: Credit reporting or other personal consumer reports

I paid off XXXX car loans and have proof of such and I disputed to Experian but Experian stated that they contacted the creditor and the creditor stated that Experian 's information was correct. This is a falsehood as I have proof of both payoff 's. Experian could not possibly have contacted them as they say they did. Experian is breaking Federal Law
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized and unverified accounts on my credit report
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 violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Bank account or service

BBVA Compass charged me {$300.00} plus overdraft fees based upon the bank 's servicing a levy that was illegal on its face. Background : I was an XXXX resident and residential property owner at all times relevant. I moved to XXXX in XXXX for two years to wrap up my father 's estate. Prior to XXXX, I had an account XXXX with BBVA Compass. Upon relocation, I did business XXXX with BBVA Compass up until XXXX. I closed that account because the location was very inconvenient. I did not have an account with BBVA Compass in XXXX. In late XXXX or early XXXX XXXX, I returned to my home XXXX. During my stay XXXX I properly registered my XXXX vehicles a XXXX. When I came back XXXX, I timely registered XXXX vehicles XXXX. In approximately XXXX XXXX, I took advantage of a " No Fees '' promotion at Compass to open a small " petty cash '' account. I opened with only {$100.00}. 
On or about XXXX XXXX XXXX, I received notice of a levy on the XXXX. That notice came from Compass Bank, although it had allegedly been sent to my deceased father 's home in XXXX. That property has long been sold. Although I had not lived in XXXX since late XXXX XXXX, the levy notice asserted that Compass had levied my account on the authority of the XXXX Franchise Tax Board for failure to register my XXXX for the period from XXXX XXXX through XXXX XXXX. I called the XXXX Dept. of Motor Vehicles and explained the situation. They withdrew the levy. See attached. I then forwarded that document to BBVA Compass. 
On or about XXXX XXXX, XXXX, I received notice that my account was levied on the premise that my other car, the SAAB, was not registered XXXX. Like the XXXX had been registered XXXX before the expiration of the XXXX registration. Moreover, the Saab had been XXXX by an at-fault driver on XXXX XXXX, XXXX. I again called XXXX DMV and Tax Board and, again, they withdrew the levy. See attached. I forwarded that XXXX withdrawal to Compass. I also called them, but they refused to take corrective action. 
I then received an " overdraft notice '' that my account ( which had approximately {$100.00} in it XXXX was negative {$280.00}, and I was being charged overdraft fees. I called Compass, but they stated that they had a right to do this because ( a ) the XXXX address on the levy was known to them, even though they acknowledged they had my current XXXX address ; and XXXX b ) they did business with XXXX and, therefore, they would honor the levy. This is illegal because ( a XXXX XXXX had no authority to levy me because they had no right to registration fees on a car that was registered in another state ( XXXX XXXX ; and ( b ) The error showed on the face of the levy as it listed a XXXX address that BBVA Compass knew or had reason to know was incorrect ; and XXXX XXXX XXXX XXXX has no jurisdiction over non-citizens in regard to registration of vehicles. Compass refuses to reverse or waive the alleged " levy handling fee '' and overdraft fees. This is wrongful and must be corrected. Thank you for any assistance you can offer. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card

I am a XXXX who most of my life worked either as a XXXX, a military XXXX, or a XXXX. I accidentally learned through my Internet searches of the class action suit against Bank of America ( BOFA ) and its Credit Plus Protection Plan which ended with a settlement approved by U. S. Judge XXXX XXXX, which, in my opinion now, did not fully free the class members from having to pay the fees and interests incurred. I began my Internet searches after a year of communicating through letters and telephone calls with BOFA and they refused to stop reporting the credit card in question to the Credit Reporting Agencies. When I came across this class action suit, my thoughts led me to see that these were people wrongly treated with the Credit Plus Protection Plan just like me. It is only now after a closer look at my file on BOFA that I have determined I was never notified of the class action suit and, therefore, never opted in. Therefore, I want justice in the form of BOFA to stop reporting this credit card to the Credit Reporting Agencies ; that is the long, overdue justice that I seek.
Product: Credit reporting

Equifax reports incorrectly that this account was late 6 times at 30 days.This account is a XXXX XXXX modified account. Equifax fails to report accurate payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 during the COVID-19 Pandemic, I enrolled in a Payment Plan Agreement via the Target XXXX Account website. All payments were set to deduct automatically, and they did faithfully until the account was paid off in the following months. Upon checking my credit report, I discovered three late payments. Many disputes were made to correct these falsities in reporting ; however, the errors remained the same. No change to the inaccurate reporting ensued. A complaint was filed with the CFPB, which outlined many inconsistencies in the information I received as the consumer at the time of enrolling in the Payment Plan Agreement. Additional information was provided to include proof of Payment Plan Terms and posted payments. After the investigation, the company stated, At the time you agreed to your payment plan, your account was past due. After 3 months of on-time payments your account was reported as current. We are unable to change how your account is reporting to the credit bureaus. However, this was not outlined in any terms sent via email on XX/XX/2020. In the Payment Plan Terms sent by TD Bank, it clearly outlined the Minimum Payment Due on upcoming statements may be greater than the required fixed monthly payment because of past due amounts, but you are only required to pay your fixed monthly payment amount. No information was disclosed regarding credit reporting procedures or potential impending penalties for past due balances whilst in the Payment Plan Agreement. I, as the consumer, agreed to the terms ; however, TD Bank did not ensure all facets of information were disclosed prior to entering said agreement to ensure the ongoing health of my credit score. To no avail, I have made multiple attempts to correct this erroneous error and unfortunate mistake with the credit bureaus and the company itself. Despite my best efforts, I am still being penalized for enrolling in a Payment Plan during a worldwide pandemic due to undisclosed terms by the company at the time of our agreement.
Product: Debt collection

Company called me at XXXX XXXX on Sunday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX 2.XXXX 3.XXXX XXXX 4.EQUIFAX MTG 5.XXXX XXXX I am writing to XXXX and initiate a XXXX complaint against Equifax, XXXX and XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously stated, the payments made towards my XXXX XXXX account XXXX is not being accurately reflected across all credit reporting accounts. I have attached several documents that clearly indicate correct payment activity for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents serve as concrete evidence that I have indeed met my payment obligations during these months. 

Furthermore, I wish to bring to your attention that specific arrangements were made regarding the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Through an extension agreement, these payments were rescheduled to be fulfilled at a later point in accordance with the terms of my contract. I kindly request that you update my credit report to accurately reflect these contractual adjustments. 

In light of the aforementioned information, I urge you to take immediate action to rectify this situation. I request that you correct the inaccuracies in my credit report by removing any late fees associated with the aforementioned months and accurately reflecting the true status of my XXXX XXXX account payments. This correction is essential to ensure the fairness and accuracy of my credit history. 

Enclosures : - Documentation of Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Copy of Extension Agreement ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

My account was disabled in XX/XX/XXXX, I've never been able to log in again : These are the latest coinbase emails ; XX/XX/XXXX XXXX Coinbase asked me to change my account password XX/XX/XXXX XXXX Coinbase told me that my password had been changed XX/XX/XXXX XXXX coinbase told me that my account has been restored at this point I tried to log in with my new password, and the site asked me to enter the Authenticator code from my phone., after several attempts, in which coinbase told me that the code was not valid, I decided to try again in the evening, thinking that maybe something was still to be verified. 
my Authenticator app was synchronized with the internet, and previously always worked perfectly. 
Arrived in the evening, I still try to access my account unnecessarily. 
XXXX XXXX Coinbase told me that my purchase limit had increased from XXXX euros to XXXX euros, but I did not ask for anything. 
XXXX XXXX Coinbase asked me to authorize a new device that had been trying to access my account for a long time, I do not speak English, and seeing Location : XXXX IP Address : XXXX Browser : XXXX ( XXXX ) I naively authorized Coinbase thinking it was referring to all the times I tried to access, and only later did I realize that the IP address was not mine, afterwards I did a search on the internet, and this IP address is connected here afterwards I did a search on the internet, and this IP address is connected here IP address : XXXX Address type : Public Hostname : Could not determine to hostname DNS lookup : No reverse DNS record found ISP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dedicated Servers Webserver : No XXXX XXXX Hi XXXX XXXX , On XX/XX/XXXX, you ordered XXXX ETH via your payment method for XXXX XXXX. 
When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. If you wish to make another purchase, please try again or add a new payment method. 
Unfortunately, we are unable to restart this transaction because it was canceled by your bank. If you have questions regarding this canceled transaction, please contact your bank directly. 
We apologize for any inconvenience! 


I have not authorized anything, either! 
XXXX XXXX coinbase told me this ... Your account on Coinbase associated with the email XXXX has been successfully deleted. 

Can you understand that Shock for me? that I had more than a bitcoin and a half? all bought regularly with my credit card.
Product: Student loan

Disbursement XX/XX/XXXX nct and Aes service provider. The original amount financed was XXXX and was a full deferral loan. The highest balance was XXXX. Since XX/XX/XXXX I have paid XXXX, and XXXX of the XXXX was intrest. Only XXXX was applied to principal. 

I have attempted to request amortization chart and receive nothing from them. I have asked AES a number of times how the intrest is caculated and what my interest rate is. According to AES my intrest rate is varible and is XXXX. I can not rap my head around how I have paid so much interest and how they have no paperwork regarding ownership or loan details. Also my paperwork loan repayment says 102 months repayment how is that possible when i have been paying since XXXX? 

I just submited a complaint a few months ago and All they sent me was my payment history. This is obsurd and I honestly feel as it they should send detailed loan information providing and supporting amortization and proper distribution of funds. The repayment plan is also incorrect. They seriously need audited and individuals need to be compensated their money back or have their debt resolved and forgiven. They can never provided documentation and if they send any correspondence it is never complete or is missing information or has non matching information. 

I hope my concerns and complaint is handled in a timely manner
Product: Debt collection

Radius Global Solutions contacted my family ( brother ) in attempt to collect a debt. Their # is XXXX. The person who called was named XXXX. He called on Tuesday XXXX around XXXX. 
They were dishonest and asked my brother for my number even though they had my number. They also said he was listed as a contact ... this is not true, I have NEVER list my brother as a contact as we have a strained relationship. My brother did not give them any information and called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.
Product: Credit card or prepaid card

Disputes were filed for XXXX on the following dates XX/XX/XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX and XX/XX/XXXX XXXX # XXXX. 
Automatic credit was given for XXXX and an investigation for the other charges with a provisional credit. XX/XX/XXXX I was issued a permanent credit for # XXXX later to be reversed on XX/XX/XXXX. On XX/XX/XXXX I received an email notification that dispute # XXXX was valid and the other dispute would be overturned due to new information. The information that I read from the report showed that my son had used my credit card to purchase virtual currency. I called x2 and spoke with different reps the first hung up on me. The second stated that if they continued with the dispute as an unauthorized charge they may have to press charges against my son for fraud. I read her the FCBA she said maybe I should try XXXX again, which was a lost cause in the first place. The rep who was very nice said I'm sorry there is nothing I can do. Even though I explained that no where on that gamer tag or XXXX profile did you find my name, they both insisted I was responsible. The only place you can find my name is in the billing information, and that is not filled out completely. The FTC has assisted with many complaints regarding unauthorized in app and game purchases please help. My credit card company is Discover Card Services, I have been a customer since XXXX. I have no missed payments, and I may have done one dispute in the three years before this. I have detached the information submitted to Discover by XXXX to prove that I made the charges.