23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed and closed as " company responded '' : XXXX. Problem is that Equifax has STILL NOT ADDED THE EXTENDED FRAUD ALERT to credit files ( XXXX and XXXX added the 7-year fraud alert in XX/XX/XXXX as requested ). 

As of XX/XX/XXXX credit report, Equifax still shows only " FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX To Whom this may concern, I am writing to Correct My personal information on file with your company.

Please update my only address and remove all other addresses as they are not recieveable to me usps I dont know who these addresses belong to remove all other addresses and update my address
Product: Payday loan

I had a call at XXXX at work form a XXXX, XXXX and claimed i owe a payday loan and would sue me and take me to court for check fraud.Now i was frighten and stardled at first ask lots of questions about the claim.Than i read reviews online how people get scammed from debt collectors who pretend to be investigators or attourneys.I felt like i was getting scam please reply back to me if legitimate..or what further action i should take on this matter..
Product: Credit reporting or other personal consumer reports

My account withthose 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: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 hese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

Hi I have a a direct deposit comerica bank card which I withdraw my fathers benifit money every month which is XXXX monthly.But on XX/XX/2017 I went to the ATM at XXXX to withdraw a XXXX all of a sudden the machine stops and no money comes out just a receipt saying the full amount which is XXXX.So the next day. I go out the window to withdraw he money they told me my card is declined. So I go to the ATM and I only see I Have XXXX dollars left in the card. I call the the bank I explained my problem and they told me to wait for a claim form it 's been a week no form came. I call again and they tell me to write a complaint letter. I confused I do n't know wats going on my father needs his benefit money back to proceed with his life with it which is XXXX please help us as soon as possible.
Product: Mortgage

I applied for a FHA refinance with Amerisave Mortgage Corporation in XX/XX/2020 and we were preapproved.. The appraisal was ordered in XXXX and complete in XXXX. I sent all information in. Even when some were very unusual request. Everything expired and they did a new application. They needed more money and new appraisals and credit report. really. This is wrong! is this age discrimination and or loan type is to much work for them??? We were never tuned down and I proved a number of times that our loan to valve is in the guide lines. The two different originator and or the manager will call me. I receive update request as late as this week. We are preapprove with another lender.
Product: Student loan

I am submitting this complaint regarding my student loans for attending the XXXX XXXX XXXX XXXX XXXX which was recently found to have engaged in fraudulent practices, misleading students about career prospects and causing significant financial hardship. I attended the XXXX XXXX from XXXX to XXXX, a period that falls within the timeframe covered by the recent debt relief announcement. However, because I consolidated my federal loans into private loans through Citizens, I am currently excluded from the {$6.00} XXXX in automatic relief granted to other borrowers. 

After completing my studies, I consolidated my student loans from federal to private through Citizens and have made consistent, on-time automatic payments since XXXX. My outstanding balance remains at {$16000.00}. I believe I should be eligible for the same relief as other former XXXX XXXX students due to the institution 's documented fraud and misrepresentation, which was confirmed by the Administration 's recent relief actions. 

Key Points : - **Enrollment Period and Relief Announcement** : On XX/XX/XXXX, the XXXX XXXX announced the approval of more than {$6.00} XXXX in automatic relief to nearly XXXX borrowers who attended any XXXX XXXX XXXX from XX/XX/XXXX, through XX/XX/XXXX. My attendance from XXXX to XXXX falls within this relief period. 
- **Debt Consolidation and Consistent Repayment** : I consolidated my federal student loans into private loans through Citizens and have made consistent, on-time payments since XXXX. 
- **Outstanding Balance** : As of now, I owe {$16000.00} for a degree from an institution deemed fraudulent, yet I am currently ineligible for the recent forgiveness due to my loan consolidation. 

The XXXX XXXX misled students, falsely advertising the value of its education and luring us into debt without delivering on career opportunities. My situation, like that of other defrauded borrowers, has resulted in significant and ongoing financial hardship. 

Request for Relief : Given the Administration 's relief announcement for XXXX XXXX borrowers during my period of attendance, I respectfully request the same forgiveness consideration extended to those with federal loans. I seek to be released from my remaining balance to achieve equity with my peers who were also impacted by the XXXX XXXX fraudulent practices. 

Thank you for reviewing my situation. I believe in fair and equal treatment for all affected borrowers, regardless of loan type, and I hope my request can be fully considered.
Product: Prepaid card

I have a rush card and I lost my card and reordered a replacement card on XXXX/XXXX/15. I paid for the 2 day service for XXXX and was told my card would be here by XXXX/XXXX/15. When it did n't show up I tried to contact their customer service department and it took a day in a half to get thru to them. I spoke to a rep who guaranteed me I would receive it via overnight express thru XXXX and would receive by Friday XXXX/XXXX/15. Also I was told to call in the morning and get my tracking number and the fees would be waived. I called the entire next day and didnt get the until the evening and a diifernt rep told me that they do n't have an overnight service I would have to wait one to two more business days ( monXX/XX/2015 to receive my card and not only was the fee not waived I was charged twice for the service. Needless to da its kinda I received no card, cant get thru and now I have no way to feed my family which includes a XXXX year old and I 've had to miss work because of this. This is an unbelievable with no resolution in sight. The company is Rushcard services and there are literally thousands of us affected by this please do something. My name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I have an account with XXXX  XXXX XXXX. Over 30 days ago, I contacted the company to resolve an issue related to my account, but I have not received a satisfactory response. The incorrect information still appears on my credit report, despite my request for it to be corrected.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/year> Hard inquiries 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any accounts resulting from identity theft or fraudulent activity must be removed from my credit report. I ask that you promptly take action to ensure that these accounts are blocked and deleted from my credit file. 
Please find the list of affected accounts below : XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$00.00} XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1000.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$840.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8600.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$3600.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$3600.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8600.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$00.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$33000.00}
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX has violated my rights. Or the list of inquiries 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 an 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 or 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

I am lodging a formal complaint against midwest recovery system. this debt collector has reported 3 derogatory accounts on my credit reports, in the amount of {$1100.00}, {$790.00}, and {$400.00}. Midwest recovery has violated the fdcpa/fcra, i have never recieved a dunning notice from midwest recovery which allows me 30 days to dispute validity., ive lived at the same address for 16 years check my mail everyday never recieved nothing not even a phone call. this is happening at the worst time as im in the process of purchasing my very first home for my family and i. im being told these errounous accounts are holding me back, which is heart breaking to my family. i am requesting immediate deletion of these accounts from my credit reports immediately. XXXX XXXX XXXX  and attorney general complaints will be filed if these accounts are not deleted. thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Consumer Notice of Fact to National Credit Adjusters , LLC in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states NCA is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give NCA or its affiliates written permission to furnish a consumer report. 

The debt collector, NCA is also a debt buyer according to the account status on my credit report. NCA has purchased my information and shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I will highlight that the above statement does say " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law ... ''. A debt collector may only communicate with a consumer reporting agency if otherwise permitted by law. The law that gives permission to communicate this information is 15 USC 1681b ( a ) ( 2 ). 

Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Product: Credit reporting or other personal consumer reports

According to 15 usc 1681 inaccurate credit reporting, on my report there are inconsistencies. There are 3 different dates for my last activity with XXXX XXXX XXXX There is a last activity date of XX/XX/year> on Experian a last activity date of XX/XX/year> on XXXX and a last activity date of XX/XX/year> on 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. 


XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- has violated my rights XXXX XXXX XXXX XX/XX/2022- has violated my rights XXXX XXXX XXXXXXXX XX/XX/2022- 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: Money transfer, virtual currency, or money service

Iam writing you to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking a tracking the se transactions was infeasible. The CFPB has indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety..
Product: Credit reporting or other personal consumer reports

I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There was an error at the point of sale terminal that resulted in the same transaction being charged to 2 credit cards. 

The merchant is aware of the issue, but did not receive payment from my bank USAA Federal Savings Bank. I disputed the transaction with USAA and sent documentation to USAA on multiple occasions. I have emails showing the documents were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to uploading the documents, I also mailed them in XX/XX/XXXX and fax them in XX/XX/XXXX. 

USAA is stating that when the documents were faxed in XXXX of XXXX that it was beyond the deadline. I sent the same documents multiple times and each time they were lost. 

I have followed all the direction I have been given and worked their process. I have called at least a dozen times with some calls lasting more than and hour to followup. USAA is now saying that I need to pay {$140.00} on top of all of this hassle and the {$5.00} XXXX spent on printing and faxing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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

I tried to have Capitol one deleted from all three credit bureaus in the past three months Capitol one always comes up with updates from a closed account ... ..I noticed what i think there is nothing on the trade line. except when it closed and credit limit... there was a lawsuite concerning XXXX and Capitol One. I think you might be aware of. 
this is the problem with Capitol One