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

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the inaccurate and inconsistent reporting of an account on my credit file across multiple credit bureaus. This account contains several discrepancies and violations of the Fair Credit Reporting Act ( FCRA ), which require immediate attention. Issues Identified : Past Due Balance After Charge-Off My credit report shows a past-due balance of {$650.00}, despite the account being charged off with a balance of {$330.00}. Under the FCRA, once an account is charged off, it should not continue to report as past due. TransUnion remarks state that the debt was charged off as bad credit and classified as a profit and loss write-off. XXXX reports a charge-off of {$330.00} written off but still reflects {$650.00} past due as of XX/XX/year>. Missing XXXX XXXX XXXX The original loan amount is not listed in some reports, which is essential for accurate credit reporting. TransUnion reports the original loan amount as {$250.00}, while XXXX does not list the original loan amount at all. Incomplete and Inaccurate Information The charge-off entry contains inconsistencies : TransUnion states XXXX the account was closed on XX/XX/year>, with an original balance of {$250.00}. XXXX states that the account was charged off with {$330.00} written off and {$650.00} past due. The account is also reported as both " charged off '' and a " profit and loss write-off, '' which implies the creditor wrote off the debt, yet the circumstances do not align with this classification. These discrepancies indicate that the information reported is inaccurate, inconsistent, and unverifiable, violating FCRA requirements for accurate, complete, and up-to-date reporting ( 15 U.S.C. 1681 et seq. ).
Product: Credit reporting or other personal consumer reports

This is the first time I've complained about being a victim of identity theft. You must remove/remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a private student loan through XXXX XXXX, now Navient. My mother is the cosigner on the loan. I have been negotiating with Navient to reach a payment amount that I can actually afford. Today, Navient called my husband on both his cell and at his work number and left messages demanding I call them before XXXX or they were turning my loan over for debt collection. My husband is not listed as a contact for my account. I have no clue how they would have gotten his contact info, except for maybe a XXXX search. It seems like leaving a message regarding my loan is a violation of my privacy. Navient already calls me between XXXX times per day. In addition to that today, there was XXXX call to my mother and XXXX to my husband.
Product: Credit card or prepaid card

My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Product: Bank account or service

Bank of closed my checking and my XXXX credit cards account and i have filed complain about that and they response that they have the right not do disclose the reasons but now they also closed my XXXX years old son account that his grandfather opend for him long time ago as a saving account for his future.the account under his grandfather and my son 's name and the grandfather mom side. so does n't even have my name on it.but my son has my last name ( XXXX XXXX ) I do n't know what i did to them to target my famly even my 7 years son.we are all citizens and my son born in US.what kind of reasons or policy that can end my XXXX years old child his financial future with any financial institution whatever it is.the only reason that can be logically accepted if the company going out of business.but as long as they still open for public they have to explain the reasons to close my accounts and my son account.if there is no reasons they need to reopen them.
Product: Debt collection

I notice that is information is on my credit report and I am requesting that this be remove from my credit report immediately due to inaccuracies on my report. 15 U.S. Code 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ). It deals with the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports and my report is inaccurate due to this matter.
Product: Payday loan, title loan, or personal loan

I was contacted via phone in regards to a loan I owed for a pay day company ace cash express. However Im not able to pay the entire amount in full but I want make arrangements. The company has been calling me and harassing me that they are going to take me to court because I havent paid. But I have not received anything in writing in regards to the loan. Or have been notified via email just by phone but now threatening me that they are going to call my supervisor and let them know the loan and everything. I never said I dint want to pay them back I just need time to pay them since Im no longer working. But they already called a friend letting them know about my situation and thats very personal
Product: Money transfer, virtual currency, or money service

Capital Ones mobile deposit feature has been broken for two weeks with no resolution. I am not able to deposit a check to my account because of this. Thousands of other Americans are also not getting their paychecks from Capital One.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report information but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT XXXX XXXXXXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any ITEM in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX Employer - XXXX  XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zells handling of disputes, especially in light of recent CFPB lawsuit that communicates concerns with this spesific platform. Despite using zell multiple times for personal and work uses along with reporting differences, my bank and zell failed to investigate my claims properly as if they didnt care. They did inform me that recovering my lost funds will take time and tracking it could be difficult i was persistant since it was my rent, daycare funds for my siblings and my work uniform I ended up paying triple the price for.The CFPB 's findings do indicate zell has neglected to protect their users but also allows this to continue. They allow repeat offenders to exploit the system leaving its users vulnerable to scams. The amount all together taken form me was over XXXX since it was rent, daycare and other needs. I thought me using their system was enough, trusting them with my information was a regret of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$1600.00} and has several inaccuracies that is not FCRA compliant. I have send several letters disputing the inaccuracies and Equifax just responds back stating the account has been verified when is reporting several errors. How can Equifax verify if they are not reporting a account number and the account is reporting CO every month when a charge off is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax is XXXX XXXX XXXX and they responded the account has been verified.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I want someone to contact me by email about case XXXX or phone at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Checking or savings account

My card was charged multiple times for the same in the same and the after at a store. I disputed the transactions and was given the credits back in my account the same day. Now months later after the dispute the credits my account was credited are now being taken back because the closed the investigation on my claim and dis not rule in my favor. I did not make these transactions and now I can not pay my bills because of it. I reached out to the bank several times to try and resolve this issue but they are saying that there isnt anything they can do right now I have to wait 45 days u til they come to another decision about my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( XXXX and Equifax ) and XXXX does not report it ( becuase it's erroneous ) Equifax reports positive payments on a paid collection which is not legal or possible. XXXX reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect information.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for XXXX XXXX XXXX in XXXX of 2022. They are a dental company that provides aligners to patients to straighten their teeth. In my case, I went to a dental office and had a consultation and signed up for treatment. XXXX XXXX said they had a company called Health care finance direct that would finance my payments each month. 
I went through the treatment and was not satisfied with the results as my teeth still have gap and are not aligned as promised on the bottom. 
I reached out to XXXX XXXX several times during the course of treatment and was given new aligners as they promised it was a " lifetime '' guarantee. 
In XXXX, the company filed bankruptcy and are completely out of business. The finance company is still trying to collect the remaining funds from me! I have an outstanding balance of {$480.00} ( {$580.00} with interest ) I have paid {$1900.00} to date. 
I explained to them that I am not done with my treatment, and I am not going to pay for services that are not rendered. They have my credit card no, but I have since locked it from any charges. They continue to harass me and threaten to collect and report this to the credit agencies. 
I filed a complaint with the XXXX but they responded saying that healthcare finance responded, and they were closing the case. 
I know I am not the only victim here. I've read many stories online of patients that paid and were left with no treatment. Please help. I have outstanding credit, but I am seeking to not only have payment stopped but get a refund for breach of contract. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Im tng a complaint against casn 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 resolutions 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 losses and I see appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against Experian regarding inaccurate information in my credit report. Despite my efforts to resolve this matter directly with Experian, the issue remains unresolved. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld and that this incorrect information is removed from my credit report. 

Details of the inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was thinking I had the money in my bank account do to my job deposit my check into it so I go and spend the money next thing you know they say I have an overdraft my account even if I freeze my bank card so no one can take money off it so my account wont go into the negative they still will let me spend money so I can owe them an overdraft fee this been going on for years I been with NFCU since XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, stating, " It is the policy of 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. '' A furnisher of information to credit agencies is a financial institution by definition under that title.

15 USC 1681, section 604 ( a ) ( 2 ) states, " 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. '' Neither the furnisher of information to credit agencies, nor the consumer reporting agencies XXXX and Experian, have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, Experian, and furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked.

15 USC 6802 ( b ) ( c ) states, " 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. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 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 again without my permission, which is against the law.

15 USC 1681s-2 ( 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 USC 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. XXXX and Experian are not maintaining reasonable procedures. 

Also, 12 CFR 1016.7 states, " 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

I had a XXXX XXXX Credit card with XXXXXXXX XXXX 
I paid it off a few months back. paid in full! over XXXX dollars it was paid in full in one lump some. and it is still showing deliquent on my credit report!