23daVinci/CFPB_Complaints huggingface dataset:
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  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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!
Product: Student loan

XX/XX/XXXX - Reached out via email to request a refund of my payments made on XX/XX/XXXX of XXXX. ( Replied XX/XX/XXXX ) XX/XX/XXXX - Phoned into Student Loan Counselors and spoke with a representative that informed me that my refund would apply 30-45 days from speaking on the phone. 

Today, XX/XX/XXXX - I have not received any updates, no emails or changes on my account page. It was supposed to take 3 weeks for my account to process, and another week or so for the refund to hit my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the credit bureaus, XXXX Equifax andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back several years ago my credit file got mixed up with someone who has very similar information as mine, they have the same name, and there ssn was a couple numbers different which caused me all kinds of issues. I have made equifax aware of this situation on multiple occasions and they never fix the issues or investigate and show proof of how they got the information. I believe now they get pleasure from seeing what problems these issues have caused me. I need these problems fixed now! See below the issues I'm having. 

I'm worried about a wrong address thats not mine- Please remove XXXX XXXX XXXX XXXX Ky XXXX since this could lead to fraudulent accounts. 

XXXX XXXX- I have 0 accounts and have never had an account go into bankruptcy with them. 

XXXX XXXX- I have no accounts and don't know who they are. 

XXXX I do not have any accounts with this company Target- I do not have any accounts with this company XXXX XXXX??? Equifax allows this company to report information about me even after I've requested information on who these people are, I don't know them and they have never provided me a contract with my name or ssn showing I've ever had an account.

Bankruptcy- I have requested several times that equifax provide me with official court documents with my personal information showing I have a BK, they have never provided me anything but continue listing this information. I have personally called the BK court and have asked several times about how this could happen and they stated information of this nature would never come from them!!! How can I have accounts listed in a BK if no one can provide me with information showing it even belongs to me???
Product: Checking or savings account

My account with bank America was closed due to multiple agencies taken money off my card an account with out my knowledge. XXXX kept charging me for services after calling them to let them know I was not getting services. I then bought a XXXX XXXX  from XXXX XXXX during the pandemic an paid for services and never received the services. I received a settlement on my bank account in which a rental vehicle place took money off my account when I had insurance on a the time And XXXX XXXX  or other rental company took an extra XXXX or more off my account. XXXX XXXX took multiple transactions off my account while renting also when I was locked out a vehicle twice when scheduling on the app and speaking with the representative who put the money back on my card it was taken back off. I have been trying to meet with a bank of America representative to discuss my account an to nonavailability it's been XXXX yrs I have been trying to repair an remedy this situation. I am XXXX an my account was closed ant my taxes was deposited to this account and I am missing some money from my taxes in this same account. When I call the other agencies to get records or paperwork no one will give me the info I need to prove money was taken out my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

This company is reporting fraudulent inaccurate information on my credit report. I have requested
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. I am particularly concerned about the following accounts : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX charge off account XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX XXXX charge off account XXXX XXXX XXXX  Collection account I understand that these negative items can have a significant impact on my credit score and my ability to access credit. However, I believe that some of these items are in error, and I would like to request that they be removed from my credit report. 

I also want to note that the impact of these negative items has been extremely difficult for me and my family. It has caused us a great deal of stress and XXXX as we have struggled to secure the loans and credit we need to maintain a stable financial situation. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information that appears on my credit report. I request that you investigate these negative items and provide me with a detailed response explaining the results of your investigation. 

Thank you for your attention to this matter. I hope to resolve these disputes as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I provided correct spelling of my name, and correct addresses. I also asked for hard inquiries to be removed that I did not request or approve, on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly time after time have contact kay jewelers stating that I did not own this account and never had account with them. After investigating the account the creditor found that the account did not belong to me. After applying for credit I seen that the account is still being reported to my credit report with derogatory marks. I requesting to get this account removed from my report permanently.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests, Equifax consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. 
This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations XXXX 
I respectfully request that the CFPB take appropriate action to ensure that Equifax complies with federal law by conducting proper investigations and providing consumers with the necessary proof of such investigations. 
These are the accounts I've marked as inaccurate ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was filed on XX/XX/XXXX and " XXXX '' on XX/XX/XXXX. Trans Union has the file as being " DISMISSED ''. Trans Union is also reporting that this debt was paid was XX/XX/XXXX. This bankruptcy had no updates by myself or the courts in reference to this matter since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/2019 - Fraud was performed in Kay Jewelers XXXX XXXX near XXXX Arizona. An unknown individual with my drivers license information opened an account, and purchased several watches totaling : {$5700.00}. 

This also happened at 3 other stores in the area. Those 3 stores ( XXXX XXXX, XXXX and XXXX XXXX ) all accepted my Victims ID Theft Affidavit and the fraudulent accounts were promptly removed from my credit report. 

XXXX XXXX XXXX Jewelers however, insist that I was there at the time of the transaction. They insist that the signature is my signature. This is after 2 tries at their 45 day investigation waiting period ... I'm getting no where with them. 

The XXXX Police ( I have an official report # XXXX, with XXXX XXXX on the case ). However, even they aren't able to get timely corporation with Kay Jewelers Security, to retrieve video footage.

Meanwhile I now have 3 missed payments and ~ $ XXXX worth of credit that's not mine on my credit report. 

This is during a time that I could be refinancing my house, cars, etc for good rates ... but I am severely affected by this and no one will help me. 

Do NOT do business with XXXX XXXX XXXX or Kay Jewelers.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I submitted dispute letters on XX/XX/XXXX, a 30 day to comply letter mailed on XX/XX/XXXX and a final dispute letter mailed on XX/XX/XXXX. Along with my FTC report along and a signed and notarized Identity theft affidavit, to show proof of ID theft and the accounts that were listed were not deleted or investigated but remained on my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX ; XXXX He used XXXX name as XXXX XXXX XXXX and tried to sell a cello case for $ XXXX shipping. After PayPal transaction, he said he would wait to send the product. I cancelled the transaction and requested the refund but never received the refund. 

PayPal Transaction ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reasons why this is violating my rights by not following Federal Law as Authorized. 
The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Product: Money transfer, virtual currency, or money service

At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through cash app to him, I try to contact cashapp and they said they could not help because Im under 18 and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my experian and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Product: Student loan

In dealing with Discover Student Loans, I have found it impossible to remove my parent/guardian as a cosigner from a small student loan (with more than 48 consecutive on-time payments). I have applied twice to get my parent/guardian removed as cosigner, and each time, Discover provided me with conflicting information about whether this person was removed or remained on the loan. Once I was told my parent/guardian was removed. Twice I was told that person remained on the loan. I have zero confidence in their cosigner review/release system. Questions specific to the review process inquire about age and career level, which I believe can be used to discriminate. I have a high income, low debt ratio. My credit score is considered excellent, and I have had a full-time job for with above average income for several years. Still, I cannot get a cosigner to be removed from a $XXXX  undergraduate loan. I want CFPB to look into the process by which Discover Student Loans grants applicants the ability to remove a cosigner. I believe they are taking advantage of the system and denying requests outside their rules and guidelines. And I believe that they are discriminating against applicants on the basis of age.
Product: Debt collection

I receive calls from Penn Credit 3 to 4 times a day. Each time it rings no more than one or two times, never even giving me the opportunity to answer the phone. I have no loans with them and I have no late payments with them or any other company. On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. In both cases the phone rang one time.
On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. Again, in both cases the phone rang one time, not even giving me the chance to answer. I 've had numerous other calls from that under the same circumstances.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 noticed {$1000.00} was withdrawn from my bank account without my authorization. I immediately reported this to Chase, and they assured me that they would investigate the matter. They mentioned they would contact XXXX XXXX to attempt to recover the funds, as the transaction was made through XXXX XXXX. 

A week later, I received a letter stating that the transaction was authorized, and they declined to return the funds. When I followed up, I was informed that the person who withdrew the money used my card information, PIN code, and the same device ( an XXXX XXXX XXXX XXXX ) in the same area I live in. Despite this, Chase did not provide any further assistance.
Product: Credit card or prepaid card

On the morning of XX/XX/XXXX my credit card was used with the pin number to withdraw over {$3000.00} in less than an hour. USAA has not been helpful in the slightest. They ignore my phone calls and take days to respond. Somewhere between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, my cards were lost/stolen. I had no idea I was missing them until the next day. According to their policy only {$1000.00} should be able to be taken out on a credit card in a XXXX hour period. The fraud department told me it varies based on ATM while over 6 reps in the credit card department have told me it is a {$1000.00} limit and confirmed it is not ATM based. Their system failed and they are trying to make me pay for it. This has been very difficult to resolute. USAA made no effort to look into the fraud, they never bothered to try to gain video footage. 2 of the locations money was pulled from was literally banks, and they told me I have to do it all on my own. I tried to do that and realized I need police help so I filed a police report. This was filed almost two weeks after the event as USAA never recommended or suggested filing one. I was unfamiliar with this and thought they were handling everything. They have been rude and uncooperative. USAA is failing me.