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

For the last 6 months I have been disputing the information on my profile that do not belong to me. 

XXXX XXXX Account Number : XXXX Amount Owed : {$960.00} XXXX Account Number : XXXX Amount Owed : {$480.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$440.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$0.00} XXXX XXXX  Account Number : XXXX  Amount Owed : {$0.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$12000.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$610.00} XXXX XXXX XXXX Reference Number : XXXX  Amount Owed : {$320.00} XXXX XXXX XXXX Reference Number : XXXX  Amount Owed : {$960.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

I submitted a payment on XXXX to pay off Loan XXXX Stafford - Subsidized with the amount of {$1300.00}. 

On XXXX, Navient attached an additional balance of {$430.00} to the loan amount with no explanation as to where the new balance is coming from.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to formally dispute and escalate an issue regarding inaccurate late payment reporting on my credit report for the account with XXXX  XXXX, account number XXXX, as reported by TransUnion . Despite submitting XXXX previous requests for correction on XX/XX/year> and XX/XX/year>, the information remains incorrect, constituting a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Error : In reviewing the two-year payment history provided by TransUnion, a 30-day late payment is inaccurately noted for XX/XX/year>. However : Payment records confirm that the payment was made within the grace period. 
No delinquency notices were issued for this period.

The reported 30-day late payment violates 15 U.S.C. 1681i, which requires credit reporting agencies to ensure maximum possible accuracy of the information in consumer files.

As stipulated by 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The failure to correct this error suggests non-compliance with these legal requirements.

Legal Violations : FCRA : 15 U.S.C. 1681i mandates that credit bureaus investigate disputes thoroughly and correct inaccuracies. The persistence of this error demonstrates a failure to fulfill this obligation.

TILA : The inaccurate reporting undermines the Truth in Lending Acts aim to ensure fair and accurate disclosures to consumers.

PAANL : The Protection Against Non-Payment of Obligations Act further reinforces the necessity of providing accurate and timely statements to avoid penalties to consumers, which was not adhered to in this case. 
Desired Resolution : I am requesting the following corrective actions : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/year>. 
Written confirmation of the correction from TransUnion.

Verification of the updated report to ensure the information reflects my actual payment history accurately.

If this issue is not resolved promptly, I will escalate my complaint to include filing additional complaints with the CFPB and other relevant agencies, and I may explore legal remedies to address the harm caused by this error. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 
Sincerely, XXXX XXXX XXXX XXXX
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 ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

says that the account was paid late this is not accurate actions taken was dispute never made late payment
Product: Credit card or prepaid card

Dear Sir : I have had a Walmart credit card for many years. I am in XXXX XXXX  and do travel oversea at the least six months out of a year. I put all my credit cards, including Walmarts, on automatic payments to avoid any issue. This worked very well for years. I have never had delinquent payment and maintain a sterling credit. In XXXX of this year, out of blue, I received a delinquent notice from Capital One, apparently the new financial institution handling Walmart credit card. I have never received a statement nor any notice from Capitol One. They demanded immediate payment for my charge ( only one charge for gas ) plus penalty and interests. In addition, they threatened additional penalty and interests. I was out of the country at time. My secretary informed me of the notice. I went on the Walmart credit card website to check. I was not able to log on. It flashed a message stating that there was technical problem with the website. I decided to go ahead paying the charge to avoid further problem and the additional fee and interests. I planned to deal with the issue upon my return to the States. I authorized my secretary to pay the {$20.00} charge for gas I purchased in XX/XX/XXXX, plus a {$20.00} late fee, and {$0.00} interest by a bank note. I was only able to return home recently due to the worldwide pandemic. I called the credit card customer 's service ; first spoke to an intake person, XXXX, later to a supervisor, XXXX. I was informed that Capital One has taken over my account from another bank. They had problem transferring all the accounts, especially customers with automatic payment. My problem was not unique. I should have signed on with Capitol One which I did not know and could not have done so. They also informed me that they had sent me a new credit card which I never received. I was not informed of the bank change nor given permission for the change. Furthermore, it is my understanding that this change had gone on for many months in XXXX and they had no problem receiving my automatic payment until XX/XX/XXXX. I requested that I am to be refunded the {$20.00} late fee and the {$0.00} in interest. It is more a matter of principle than the amount of money. This is totally a Walmart and Capitol One issue. I am a loyal and conscientious Walmart customer who is being penalized for their internal problem. Yet, I was informed that since I PAID the penalty and interest, there is no way I can get the disputed money back. This is the most unscrupulous answer I can think of ; hence, this complaint. I hope you will investigate this matter and resolve the issue. Since I am not the only customer who is having the problem, as I was informed by both XXXX and XXXX, I wonder how many similar customers Capitol One had taken advantage of. This can be a lucrative scam. Thank you and sincerely, XXXX XXXX, XXXX, XXXX.
Product: Debt collection

I understand that since XX/XX/year>, The credit bureau have been mandated to Remove medical bills from credit reports. At the time of the hospital visit, I was a victim Of domestic violence. The hospital visit was because I was strangled by a man and almost lost my life. I would like to have this removed from my credit report, All XXXX  if possible due to The new law that was passed. He tried to dispute in the past, but was denied. I recently sent a dispute electronically but I was not able to give the whole reason for the dispute. I had to choose the bullet answers and there was no other to comment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

IN XX/XX/2023 I WAS A VICTIM OF IDENTITY THEFT. SOMEONE OPENED A XXXX CARD IN MY NAME, AND ATTEMPTED A CHECKING ACCT IN XXXX XXXX, IL. NOW IT APPEARS THAT SOMEONE HAS OPENED AN ACCT XXXX XXXX XXXX XXXX, IN THE AMOUNT OF XXXX IN XX/XX/2023. 
I PLACED XXXX ON MY ACCT IMMEDIATELY BUT I NEED HELP WITH THESE SCAMMERS!! 

SINCE THEN I WENT THROUGH A DIVORCE. 
PREVIOUS NAME : XXXX XXXX
Product: Credit reporting or other personal consumer reports

A dispute letter was sent to Experian requesting an investigation into an account that is not mine. The bureau and company responded without offering the requested information used to determine if the account is in fact mine. Experian and XXXX are in violation of my consumer rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on straightaway. I generously demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 my mortgage lender tried to pull my credit so that they could get me pre-approved for a home loan. I was advised from my mortgage lender that when they pulled my credit they were unable to see any data on my Equifax and that they would not be able to pre-approve me without this information. My mortgage lender recommended that I call Equifax and inquire why my information is not reporting. At XXXX cst, I called Equifax at XXXX and spoke with a lady that was able to pull my file and confirmed that all my personal information was reporting correctly and that she does not see why the mortgage lender is not able to see my report as I do not have any alerts and/or freezes on my report. I asked her for my report number so that I could give it to my mortgage lender in hopes that it would help. She gave me my report number and also gave me their Business Line number ( XXXX ) to give to my mortgage lender. I called my mortgage lender back and gave him all the information. On XX/XX/19 at XXXX cst, my mortgage lender informed me that he pulled my credit file again and that Equifax is still not reporting a credit score and not showing any information on my file. He asked that I call them again and ask why they are not reporting my creditors and information. At XXXX cst, I called Equifax again at XXXX, the first guy I spoke with told me that this is not their responsibility to report my information and that it must be a typing error on my mortgage lender. I assured him that my mortgage lender has all the correct information and that I need to know why my credit file is not reporting a score and any of my creditors. He kept reiterating that it is not their responsibility and that it is an error on the mortgage lender. I simply hung up and called again. The guy I spoke with this time informed me that he does not understand why the mortgage lender is not able to see any information. He confirmed that my name, address, SSN, and birthdate were all correct ( the same information that the mortgage lender has ). He asked if he could put me on hold to speak with another representative on why this may be happening as he has never heard of this issue before. When he returned to the phone he informed me that my name may be the issue and that the mortgage lender needs to use my middle initial. I let my mortgage lender know that they may need to use my middle initial. My mortgage lender informed me that they have tried with and without my middle initial and has even tried my maiden name. Every variation they have used on my name to attempt to pull my Equifax credit file has turned up " blank ''. They are able to see my XXXX and XXXX  reports without any issue but Equifax is showing nothing.
Product: Credit card

I was initially approved for a SYNCHRONY BANK Care Credit account with a {$1200.00} line of credit available. During a medical emergency I used the entire balance, which I immediately brought down to around {$700.00} with my first payment. After this payment, Care Credit informed me they were now lowering my credit limit TO my balance, effectively destroying my XXXX  ratio and credit score. For the last XXXX months I have diligently paid more than the minimum amount due each month, only to once again today be told my limit was again being lowered to my balance, now {$360.00}. I just made a substantially large payment and again, Care Credit has responded with fraudulent retaliation in the form of completely ruining my credit score. I will not be making ANY further payments to this account and will let it default completely if predatory SYNCHRONY BANK doesn't stop this absolutely sick game for no warranted or justified reason.
Product: Credit reporting or other personal consumer reports

My information was affected but the data breach. My information was exposed, you must removed within four days. Under section 605 B this information must be removed within 4 days. Don't try to use the 30 days to fix my entire credit file. My entire file was exposed to the data breach.
Product: Student loan

I 've been paying Navient for 11 years, on a {$2600.00} student loan. Every month, I pay a minimum of {$48.00}, totaling {$4600.00} and a total of 100 payments. Please help me, I still owe over half of the original balance. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
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 the 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, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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: Mortgage

I had a loan through Cardinal Financial and had sent a letter saying I wanted to recast the loan. They sent me a letter on XXXX XXXX with instructions on what to do ie. send the {$300000.00} and a {$300.00} dolllar non-refundable fee. I followed the instructions in the letter and was told that I would recieve the contract via XXXX and to sign it and send it back.I never recieved the package and on about the XXXX of XXXX I recieved a letter stateing that XXXX XXXX would be servicing my loan. After waiting some time I called XXXX XXXX and was told they did not do recasts and I would have to wait 6 months to refinance. I had a financial advisor that helped me with the original loan and she has made several attempts to settle the matter but Cardinal has stopped responding to her e-mails and calls. I feel this was dishonest since they took my {$300000.00} and did not recast the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX  & XXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.
Product: Credit card or prepaid card

I completed a {$2800.00} Citi balance transfer in XX/XX/2022. In XX/XX/2022, after the balance transfer did not go through with the other bank ( XXXX XXXX ), I contacted them and they told me they never received the money from Citi. I called Citi and they adamantly insisted that they sent it. They even sent me a receipt showing they sent it electronically. When I contacted XXXX XXXX again, they said they had still not received it and there was nothing they could do. So I called Citi again and opened an investigation on the matter. It concluded that the money was paid to XXXX XXXX, which it was not. I called XXXX XXXX again in XX/XX/2022, same thing. They can't do anything. Citi opens a second investigation because we discovered that the balance transfer was sent to the wrong account, it wasn't even sent to a XXXX XXXX account. Therefore, there is no way for XXXX XXXX to reimburse my account for the balance transfer because they don't have the money. I call Citi again on XX/XX/2022. They open a third investigation for the same thing, the balance transfer was sent to a wrong account. They say in 20 days they will call me with the conclusion. They never call me so I called them today. The guy has no idea about any investigation and still has no answers on a solution. So now I have {$2800.00} of extra debt that shouldn't exist because somehow Citi got the wrong account number and sent my balance transfer to the wrong company. XXXX XXXX does not have it. And now I have extra debt that shouldn't be there that Citi claims they can't cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to open a checking account and was denied because of the information contained in my ChexSystems record. It says I owe money to XXXX XXXX for a checking account. I've never opened any type of account with XXXX XXXX. I disputed the information and never received any response from ChexSystems yet the incorrect information remains on my ChexSystems report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account belong to XXXX XXXX we have similar. My name is XXXX XXXX and this individual refuse to ask the credit bureau to insert these accounts on her credit file so my lawyer told me to file a complaint before I file a lawsuit.