23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my balance with US Bank for my unsecure line of credit that I have had since the XXXX 's, this was the full payment balance option presented on their mobile app. This was done on XX/XX/XXXX in the amount of {$300.00}, only to get a notice from my XXXX XXXX XXXX that I had a " Balance past due, with the lender being US Bank and a current balance of {$0.00} status of Past due 30 days. I immediately called US Bank and spoke with a representative that confirmed I had my balance paid in full back in XXXX and could not explain why they were showing XXXX in the account, and promised to give the credit back, I mentioned that i saw the XXXX cent and just paid it regardless. But that the 30 days past notice doesn't even reflect XXXX cent. I am not sure where US Bank generated this internally, but clearly it was not part of the payment in full which I paid, regardless I am not going to guess why they have the ghost XXXX cent on their records other than it has to be a bug. She made me feel confident that they will take care of this, unfortunately, I received a letter today dated XX/XX/XXXX stating that " we received your dispute regarding the account referenced above, We reviewed the information and determined that the information submitted to the consumer reporting agency is accurate. There will be no changes to reporting and we are closing this dispute request. '' In my situation, this is adding salt to injury, they are absolutely wasting my time, as I have proof that I paid their balance in full on the date it was paid, because it was an option, alternatively i have snapshot from XXXX XXXX XXXX reflecting a {$0.00} balance though a 30 day late status. I have extremely high morals with my debt and this is proven by my past history, as I have never ever had a 30 day late. US Bank is causing a bad mark on my credit and are ignorant to their responsibility and are negligent by both their initial action and the lack of proper review of this circumstance. If not resolved, I will take further action, by first removing all of my account relationships with US Bank and look to take further actions, legal or otherwise if this act causes me to incur higher costs in terms of interest charges and any negative lending decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Fraud Department unfortunately has not corrected errors in my XXXX Consumer report. Netnel/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.
Product: Credit reporting or other personal consumer reports

My credit report shows that I have a late payment with target for the month of XX/XX/year> which is absolutely false. The payment was made and can be confirmed by XXXX XXXX ; it is set up with automatic payments and also overdraft protection so there shouldn't be any late payments. I reached out to XXXX and they said they would contact the credit bureaus to fix the problem but the problem was never fixed. I disputed with the credit bureaus and the dispute was denied. This has a hugely negative impact on my score and needs to be fixed ASAP.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Greetings, Ed Financial has never process my auto-payments and repeatedly dismisses requests for correction sent to XXXX. I believe this is a deliberate effort to avoid honoring the XXXX XXXX interest rate deduction they advertise for auto-pay at : XXXX XXXX XXXX XXXX EdFinancial will not accept autopay while XXXX relief is in effect. 
?? XXXX Enrolled in auto-pay. 
XX/XX/XXXX EdFinancial notified me that payments will resume in XXXX. 
XX/XX/XXXX XXXX auto-pay does not occur. 
XXXX? ? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XX/XX/XXXX. 
XX/XX/XXXX Auto-pay does not occur. 
XXXX?? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XXXX. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XXXX. 
XX/XX/XXXX I opened a support ticket for non-functional auto-pay. 
XX/XX/XXXX EdFinancial support informed me it takes XXXX billing cycles for auto-pay to take effect and estimated next auto-pay date on website autopay section is meaningless. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX I opened a support ticket for non-functional auto-pay. 
XX/XX/XXXX EdFinancial support informed me account is in administrative forbearance, which pauses payments. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XXXX? ? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I opened support ticket for non-functional auto-pay. 

Any assistance you can provide would be greatly appreciated.
Product: Debt collection

I settled this in a CFPB complaint ( XXXX ) earlier this year ( XX/XX/2023 ). 

All 3 bureaus removed the incorrect debt in XX/XX/2023. XXXXXXXX added it back within a month ( XX/XX/2023 ) because the credit holder filed under another debt collection agency. When I called the debt collection agency to let them know this had been settled already through a CFPB complaint AND cease and desist letter they said they couldn't have the conversation with me without providing the information needed to verify my identity. CONVIENTLY the information needed ( my address ) is the same information I know the credit holder has incorrect. I know it's incorrect because I haven't received anything in the mail before it hit my credit report again in late 2023. Even on this website, it's asking me to confirm my social security number or the account number. WHY would I give my social security number to a company that would never have my social security number in the first place? I don't have an account number because I never received anything in the mail before this was added back to my record. These tactics are unlawful and irresponsible. How is this getting added to my credit report without this information in the first place?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i dont know about this account that is affecting my credit report XXXX XXXX XXXX Account Number : XXXX This is not mine, delete this from my credit report. I do not know this company
Product: Checking or savings account

On XX/XX/XXXX of 2020, I contact XXXX XXXX XXXX XXXX for {$150.00} to be taken off my debit card that has been linked to my checking with Bank of America.. I have a consistent habit of checking my account on a daily and weekly basis since I'm paid from my job on a weekly basis.. I also did a business transaction with XXXX XXXX XXXX XXXX on XX/XX/XXXX fort the amount of XXXX.. On XX/XX/XXXX, I was getting ready to pay on a bill. When I noticed my previous account was over drawn that was closed out for XXXX.. 

Bank of America did not notify me about the transaction.. I went to XXXX XXXX XXXX XXXX in person and talked with the office manager, XXXX.. I also called Bank of America in front of XXXX 's presence.. I had a Bank of America agent on speaker phone.. Bank of America agent tried to tell XXXX the office manager for XXXX XXXX XXXX XXXX, it was on their end.. XXXX was very frank and advised Bank of America, they don't hold transactions..XXXX advised Bank of America, once they run a transaction , they run a transaction and the rest is on the bank ... XXXX had to tend to other customers.. I left XXXX XXXX XXXX XXXX and told the Bank of America agent I wanted to have a word with her supervisor for my account to be closed through no fault of my own..
Product: Payday loan, title loan, personal loan, or advance loan

I signed a contract to purchase a new roof with XXXX XXXX XXXX. The salesman quoted one interest rate and said he would send it to a finance company. A few days later I received a letter saying credit was denied in spite of having a credit score of XXXX. I thought this was strange at the time, but XXXX said they had another company they would send it to. Thats how I ended up with XXXX XXXX XXXX at a whopping 9.99 % interest rate. The original amount of the loan was {$22000.00}. Because of the interest rate I began paying around {$1000.00} a month each month in order to pay it off as fast as possible. When I got it down to under {$5000.00} I took out an active cash card with XXXX XXXX, and called to pay off the account. They not only refused to take the card, but were verbally abusive. Something is very fishy with both of these companies.
Product: Debt collection

i am a victim of identity theft and someone open and bill for XXXX in my name. i have sent the police report to this company for proof that the account isnt mine and it is still on my credit report
Product: Checking or savings account

XX/XX/2022 our son ( we the parents are joint account owners, due to his XXXX ) called USAA to tell them he was getting scammed. His checking balance was {$580.00} at the time, but two deposits of {$5000.00} were made to his checking from a 2nd account that had been set up in our son 's name, without our son 's knowledge. Our son 's call was due to an alert from USAA of unusual activity. The USAA representative, XXXX, spoke for 3 hours with our son telling our son that this happens all the time and that he would take care of it -- our son asked USAA to stop it and send back the money that wasn't his. However, instead of closing the account, supposedly a 3-day hold was applied, but the defrauder/scammer was able to withdraw two {$5000.00} amounts ( transferred to a 3rd account set up in our son 's name, unknown to our son ). A 3rd deposit of {$5000.00} was also made to this checking account from the 2nd account. When we saw on XXXX XXXX that two overdraft protections were taken from our USAA VISA ( {$4500.00} and {$5000.00} ), we called and spoke for 3+ hours to USAA XXXX who agreed to refund 3 return funds charges ( of {$5.00} ea. ) that occurred when USAA sent back the 3 ea. {$5000.00}. But the return of funds caused the {$9500.00} overdraft on the VISA due to the withdrawals that totalled {$10000.00}. After many long phone calls, USAA finally 'investigated ' abt XXXX XXXX, but determined our son was at fault, and have not taken responsibility for not helping him. We filed a police report with XXXX XXXX XXXX, which investigation is still open. The PD understands this is fraud committed against a person with a XXXX. We have refused to pay off the VISA until this is properly resolved, and USAA has added over {$700.00} of fees/interest, and issued collections notices, and caused the father 's credit score to drop XXXX points.
Product: Debt collection

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Product: Checking or savings account

Unnecessary holds on checks that I have deposited which have resulted in overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

They stole my financial aid company and have allowed their employees to manipulate their business practices to defraud and steal from their clients. they continue to ask for personal information from me with no help and refuse to take note of all complaints XXXX have reported to HR via email. I have proof of everything even phone calls to their fraud deparment with the Chime banking company. As an XXXX, I feel it is only right that I receive some support during this time. I have been nothing but patient with this company, considering the situation transpired in XX/XX/year>. This situation has changed my financial security tremendously.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance XXXX {$940.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$1300.00}.
Product: Debt collection

If they were to search their system for the shipping label, they sent us, then we could track it and see that they did receive the equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX t XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), 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. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opend on XX/XX/XXXX for {$1600.00}, XXXX XXXX  XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXXXXXX opened XX/XX/XXXX for {$1000.00}, XXXX XXXX opened XX/XX/XXXX for {$610.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$470.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Bank account or service

After the financial institution closed my savings account which was used a overdraft protection, charged me enormous amounts in returned item fees - they transferred all the monies that were in the Savings account to checking. If this action was taken before all the fees were incurred, I would not have been charged {$280.00} returned item fees. This is clearly poor accounting procedures. This also proves the bank 's action were for capital gain only. The bank has yet to prove the Savings account that was closed exceed the XXXX per month transaction by law on a habitual basis.