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

equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX  ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said XXXX card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX. 
Name of Account Account Number Provide Physical Verification Fresh Start funding XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof XXXX written consent ) going against XXXX usc XXXX XXXX XXXX XXXX. This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumerXXXX XXXX  has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( XXXX ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

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 XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I realized that some of the information was erroneous. 3 Credit Bureaus are required to authenticate these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking into my credit report and saw some derogatory remarks ( one was Bank of America, that is set to fall off this XX/XX/XXXX ) that were ready to fall off in a few months. I had read that I could dispute these to try to get them off earlier, so I did most of them online. I didn't think I could dispute online with XX/XX/XXXX, so I actually called Bank of America to see if they could release it early and, of course, they said they couldn't help me. But, I learned that after this phone call, Bank of America changed my derogatory from " Settled at less than full balance '' to a " Charge off, '' which immediately lowered my credit score 65 points!!! I think this is unfair and is hurting me getting loans and credit! I called them back to try to get it changed and they said they couldn't, of course. I have since been trying to get it disputed with XX/XX/XXXX, but still it's reflecting badly on my score. I will upload the credit file showing the Bank of America report BEFORE the change, and another one after the change.
Product: Mortgage

WE HAVE BANK OF AMERICA AND THEY HAVE PUT A CFPB REQUIREMENT ON OUR BILL, WE ARE NOT BEHIND IN PAYMENTS, WE HAVE BEEN MAKEING OUR PAYMENTS FOR 14 YEARS. WE FILED A BANKRUBTCY 10 YEARS AGO BUT B of A WAS NOT PART OF THAT! NOW WE ALL OF A SUDEN HAVE A THREATENING STATEMENT ON OUR BILL THAT MAKES IT SOUND LIKE WE ARE BEING FORCLOSED ON, BUT I HAVE BEEN TOLD BY B of A WE ARE FINE IT WAS REQUIRED BY CFPB FOR THEM TO PUT THIS THREAT ON OUR BILL DUE TO AN OLD BANKRUPTCY! 
I AM STILL SUSPICIOUS ABOUT THIS AND IT ALMOST MADE ME HAVE ANOTHER XXXX SO I CALLED AND TALKED WITH B of A AND THEY SAID CFPD WONT LET THEM TAKE THIS OFF OUR MONTHLY STATEMENT, ARE THEY DOING THIS TO OTHERS OUT THERE OR ARE THEY JUST SELECTING PEOPLE THAT HAD TO TRY AND SAVE THEIR HOME BY FILING AGAINST CREDIT CARDS? I MY WIFE WILL HOLD B of A AND CFPD IF TTHIS SCTIONED OF STATEMENT IS NOT REMOVED AND I HAVE ANOTHER XXXX OR XXXX DUE TO THESE MALICIOUS THREATS! SOUNDS LIKE A CLASS ACTION IS IN ORDER, DO WE HAVE ANY LAWYERS OUT THERE?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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. 


XXXX XXXX, XXXX  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: Credit card

Capital One closed my account on their own. I was out of town, lost my debit card and therefore had to utilize my credit card quite a bit. I only have a {$300.00} limit so I had to make multiple payments within a few days. After it was all said and done, and did not realize that the account used to make my payments had an issue and therefore had returned payments that occured on XX/XX/XXXX. I received email on XX/XX/XXXX of the returned payment but only saw it on the XXXX. As soon as I did, I went and made a payment of {$270.00} to bring the account below the overrage amount. It was a true accident and I made it right as soon as it was brought to my attention. I had no previous returned payments. 

I am in the process of rebuilding my credit and this is really going to affect me. 
I just feel like the action to close my account not even a day after alerting me is insane and terrible customer service. I have another card with them and had no issues at all with that card yet it is closed too. 

If capital one can re-open my two cards, I would be very satisfied and will make sure this does not happen again in the future. Accidents happen and it was swiftly taken care of on my end.
Product: Credit card or prepaid card

I have a master card issued by the Bank of America, that I have been using over 15 years since XX/XX/XXXX. Throughout those many years, I never missed a payment each month while using the card. With a good performance in use and timely payments, the card 's total credit line was quickly increased to {$38000.00} and kept at that level until recently. 

It was just months ago in XX/XX/XXXX that, without an explanation, the Bank of America first time in 15 years reduced my card credit line to {$37000.00}. Then, suddenly last week, the Bank of America, again without any explanation ( not even a notice! ) cut down my credit line to one-seventh down to {$5700.00}. I was shocked to find such a drastic reduction. Furthermore, there was no reason that I could think of or provided by the Bank of America. 

I happened to find that sudden, shocking reduction of my credit line by the Bank of America when I logged on to its website on XX/XX/XXXX for online banking. Upon finding, I called the Bank of America and was told by its representative that the cutdown of my credit line was made as of XX/XX/XXXX. When I demanded a reason or explanation, he had no idea. After making a long pause with the phone line on hold, he came back and told me simply to call TransUnion. That was it. When I asked him whether a letter or notification was ever sent out to me about the matter, he initially said no, then changed to yes. But, later, he admitted that there was no letter or notification sent to me regarding the matter. To date, XX/XX/XXXX, I have not received a letter or any form of communication by the Bank of America regarding its drastic cut-down of my card credit line. 

As suggested by the representative, I reviewed my latest credit report by TransUnion later but found no change, other than the Bank of America 's incorrect reporting on my mortgage payments made to it, which is listed as " adverse account '' as the result. The Bank of America also made incorrect reporting on my monthly payments to its credit card. 

This is an unacceptable business practice and abuse of power by the Bank of America over small customers like me. Its unjustifiable, sudden, drastic cut-down of my card credit line has already caused some damages to me. It also negatively affects my credit scores by credit agencies, which will have negative ripple impacts over time. The Bank of America should be responsible for all the finanical damage and emotional distress it has caused with its unjustifiable, sudden, drastic reduction of my card credit line. 

I can provide any documents related to my statements above.
Product: Student loan

Greetings! This grievance concerns a combination of bot h Private and Federal loans and how there combined cost create financial strain for me in our modern economy.      If my math is correct : I originally borrowed {$80000.00} in both federal and private loans. I have been making payments towards my loans since  XXXX  of  XXXX  and have a balance due of {$100000.00}. In fact, while gathering information for this submission I discovered that since  XXXX / XXXX / XXXX  my  XXXX  payments totaling {$1100.00} only brought my balance down {$350.00}.     As of right now each month I pay {$230.00} toward s Federal loans and {$350.00} towards Private for a monthly student loan payment of {$580.00}, or 20 % of my take home pay. With so much of my capital being funneled to my loans It makes saving extremely difficult and have had to rely on credit cards for unexpected life events and am now app roximately {$15000.00} in credit card debt.     My private loa ns (   XXXX  total ) alone make up {$54000.00} of the original amount borrowed and all had interest rates around  10-12 %.      I tried working with  XXXX   XXXX   ( now Navient ) to lower my p ayments. There only solution for me was to file for deferment and forbearance. Or, default on my loans and work with the debt collection companies .Eventually I stumbled on an ombudsman group were I filed a complaint and I was able to get my interest rates lowered temporarily.     However, each year I need to report my income. As I move forward with my career and my salary rises my interest rates on my private loans rise. Its   creating a " 2 steps forward 1 step back ''.
For an example if I earn an extra {$200.00} ( gross ) a month : My income driven plan rises, my interest rates rise on my Private loans, and then I pay state and federal taxes on that extra {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on 3 or More occasions asking them to verify the information of a repossession with XXXX account number XXXX. The first time was in XX/XX/XXXX I did not keep the record of the letter but I have a certified mail receipt that they received it. The second attempt was sent XX/XX/XXXX after a response from them stating that the account had been verified and updated. The certified receipt number XXXX sent on XX/XX/XXXX received on XX/XX/XXXX. I got an update that the account dispute was received by Experian and then it was updated as verified XXXX. 
The third attempt was a letter asking them to verify it, certified receipt number XXXX sent on XX/XX/XXXX it was received my Experian on XX/XX/XXXX. This last time I received an alert from Experian XXXX saying again the account is verified. I asked them to show proof 3+ times that this account is mine and accurate. I have seen no such prod which is a violation of my rights and I have also asked them to remove the information if proof was not presented.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the three major credit bureaus - Equifax, XXXX, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United Sta

tes Code 15. According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency sh
all follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices. 
Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies. 
I would like to bring your attention to the following disputed items on my credit report : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory. 
In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated time frame. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am reaching out to request assistance with a goodwill adjustment request I submitted to Experian regarding a late payment recorded on my credit report. Due to a XXXX XXXX XXXX  and the associated financial hardship caused by the pandemic, I was unable to make a timely payment on my XXXX XXXX XXXXXXXX account XXXX XX/XX/year>. 

In my communication with Experian, I requested the removal of this late payment from my record as a one-time goodwill gesture, noting that this incident was an anomaly in my payment history and does not reflect my typical financial responsibility. I have attached a copy of my letter to Experian and a supporting document ( XXXX XXXX XXXX ) to substantiate my request.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Product: Checking or savings account

I opened a claim thats been going on with my account they replaced my card linked it to my wallet and all that to all my reoccurring payments and they took money from my account a couple times and now I made a claim again and reported the problem and they decline my claim and changed my card update my card to all my payments and again they took a lot of money away and called again and they claim and now they refund of XXXX only but not the rest of the claim and now they called to confirm email and stuff and said they are closing my account due to fraud prevention so now I wont be able to open a account somewhere eles beside of them not blocking Reoccurring payments one after other one I have Printed all Bank statements and all and its impossible they wouldnt block my card after all that and now I got a email saying they are closing all my accounts for just making a claim and reporting fraud from my own money they cant keep save and now they willl just close my account and not give me my stolen money I will be reporting all this and already talking to a lawyer and taking all the paper work to him to handle this matter cant believe I got my money token away and now only cause i report it they want to close my account I will sumitting it to a news station so I can get help so people can be aware of Wells Fargos Practices
Product: Payday loan, title loan, personal loan, or advance loan

I have several email accounts, the one that was used on the application was an older email I just for junk mail or as needed to separate my work, social and bill payments with all different accounts. I received an email for a loan approval Fri, XX/XX/year> around XXXX central time. I get a lot of fake emails so it was ignored. I started to receive several more emails, among other emails of this type that I sent to my junk folder. My credit report does not show it was checked and a new loan was not in my report so I felt it was safe to ignore. 

I received a letter via the XXXX about a delinquent loan late XX/XX/year>. I did not apply nor did I receive the loan. It had a local address. I visited the location and they used my personal identifiable information to pull up a customer service agreement. I was told this was done online and was all automated. I asked how it was possible to provide a loan without validating my employer. They provided the name of the employer used. That employer was a dentist office with a Doctor of the same name and I ; this is not me. I asked why they did not validate with the employer or validate if I was an authorized user for the direct deposit. I was told it was automated and was entered by the user. 

The paperwork had listed a phone number and bank that was not familiar to me. The bank is with XXXX XXXX XXXX. I was provided a number to call their fraud department, but it started with XXXX. I asked if this is the correct number, starting with XXXX. The person in the building said it was the correct number for their fraud department. I did not call that number since it was not a local or XXXX toll free number. I used the number I found on XXXX to report fraud. I also called the bank that was listed for direct deposit and provided my SSN, they told me my name was not one of the people on the account ; they were not able to provide me any more details and they did not want to peruse a fraudulent complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Experian, XXXX and XXXX Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX