23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I processed a payment on XX/XX/XXXX with a total of XXXX on XX/XX/XXXX they sent a portal message noting " Action needed : Your payment was returned- please submit a new payment. '' I requested help from their portal regarding the issue. They responded on XX/XX/XXXX " Our records show that a payment in the amount of {$200.00} was applied to your account effective XX/XX/XXXX. The next scheduled payment in the amount of {$200.00} is due on XX/XX/XXXX. '' Despite this correspondence with no resolution, they sent a notice on " XX/XX/XXXX Action needed : Your account is 15 days past due! '' I made another payment of XXXX on XX/XX/XXXX. 

They reported on XX/XX/XXXX " Action needed : Your payment was returned- please submit a new payment '' Nelnet reports that my financial institution is the cause of this problem. However, I called my bank on XX/XX/XXXX at XXXX XXXX  and they noted that it is not their error. Despite this, Nelnet does not seem to be resolving the issue despite me asking for assistance. 

My concern is they will use their lack of resources ( e.g. staff, inadequate processing systems ) to charge me fees as it " looks like '' I am not paying. 

I am willing to pay my student loans but not willing to incur fees due to the problems of this company. This does not seem fair ; it seems very predatory. 

I am at my wits end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX AND XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account number XXXX XXXX XXXX. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX XXXX XXXX and the person [ XXXX XXXX XXXX ] Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX XXXX ) and the person ( YOU ) [ XXXX XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account [ ACCOUNT NUMBER XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email Address : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute Regarding Negligent Noncompliance under XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Dear CFPB Representatives, I am writing to formally dispute a matter related to the Fair Credit Reporting Act ( FCRA ), specifically under the provision XXXX XXXX XXXX XXXX XXXX XXXX which addresses civil liability for negligent noncompliance. 
Background : I have identified several inaccuracies in my credit report that I believe have arisen due to negligent noncompliance by XXXX in handling my credit information. The identified errors include : " Accounts that do not belong to me from Amex. '' " Accounts that do not belong to me from XXXX XXXX XXXX XXXX " Accounts that do not belong to me XXXX XXXX XXXX '' I have attempted to resolve these discrepancies directly with the responsible agency via [ letter, call, email, etc. ] on [ insert date ], but no corrections have been made, nor have I received an adequate response within the timeframe stipulated by law. 
FCRA Noncompliance : Under XXXX XXXX XXXXXXXX XXXX XXXX XXXX any party that negligently fails to comply with the requirements of the FCRA may be held liable for damages caused to the consumer. I believe the actions or omissions of XXXX, American Express, XXXX constitute negligent noncompliance with the FCRA, resulting in : Loss of credit opportunities, Damage to my financial reputation.
Product: Debt collection

Several certified letters was sent to this company in  XXXX     2017 wi th no response. I was never contacted or signed anything to release my medical information to this company. This is a Hipaa violation according to law.
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 profess was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These activities have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX  || Account Number : XXXX - XXXX || Account Number : XXXX
Product: Debt collection

Out of the blue, I received a letter from DYNAMIC RECOVERY SOLUTION stating : I owe the Original Creditor : XXXX XXXX ( i never heard of ) Current Creditor : XXXX XXXX XXXX ( FIRST TIME I HEARD ) DRS ACCOUNT NO : XXXX ( NEVER HEARD OF ) CURRENT BALANCE : {$8000.00} I am surprised and worried that if my personal info has been hacked and now somebody has been using my ss no. I owe nobody and I have given nobody any consent or verbal written to do any transaction on my behalf neither I have done myself. <P/>I have been notified to dispute the balance in writing within 30 days after receiving this notice. I do n't know what to do? The company who sends me the notice is as follows : DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, Im disputing a debt listed under my name by Exeter Finance LLC. This dispute is based on several violations of consumer laws that I have identified. Below, I outline the specific laws and corresponding details of the violations : 1. **12 CFR 1006.34 ( b ) ( 5 ) Validation Information** : Exeter Finance LLC has failed to provide the required validation information as mandated by this regulation. I have not received adequate documentation or a proper explanation of the debt, including the name and address of the original creditor.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) Information about the Debt** : The debt collection notice sent by Exeter Finance LLC did not include the necessary information about the debt, specifically the itemization of the current amount of the debt, as required by this section. This lack of transparency has hindered my ability to verify and validate the accuracy of the debt.

3. **12 CFR 1006.34 ( d ) Notice for the Validation Period** : Exeter Finance LLC did not provide a clear and conspicuous statement informing me of my right to dispute the debt within the validation period. This omission violates my rights to be properly informed about the process for disputing the debt.

4. **15 USC 1681s-2 ( a ) Responsibilities of Furnishers of Information to Consumer Reporting Agencies** : Exeter Finance LLC has reported inaccurate and unverified information to the consumer reporting agencies, in violation of this statute. They failed to ensure the accuracy and integrity of the information provided, leading to potentially erroneous entries on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX C - XXXX - XX/XX/XXXX - {$380.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of 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. 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH:XXXX 5. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off listed on my credit report for an account with XXXX XXXX. After reviewing my credit report, I have identified this entry as inaccurate and request that it be removed by the Fair Credit Reporting Act ( FCRA ). 

Account XXXX is incorrect XXXX and XXXX are both being reported on my credit report. All information should be reported the same for all three agencies. 
Closed Date is incorrect The payment amount is incorrect The details of the charge-off appear to be incorrect due to incorrect information being reported. I have attached supporting documents of my credit report to substantiate my claim. 

Under the FCRA, credit bureaus must investigate disputed items within 30 days and remove or correct any unverifiable or inaccurate information. Therefore, I kindly request that you investigate this matter and provide a written response detailing the outcome of your review. If the creditor is unable to verify the accuracy of this charge-off, I request that it be removed from my credit report immediately.
Product: Debt collection

I HAVE GOTTEN REPEATED PHONE CALLS TO MY JOB AND CELL WHILE AT WORK THREATENING ME EVERY DAY. THEY HAVE ALSO LEFT VOICE MESSAGES AS WELL. THEY ARE STILL CALLING MY JOB AFTER I HAVE REPEATEDLY ASKED THEM NOT TO.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. 
While checking my credit report, I noticed accounts, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also found fraudulent addresses, collections, and auto loans. 
FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT AUTO LOANS XXXX XXXX XXXX Balance : {$6800.00} Balance updated : XX/XX/XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment FRAUDULENT COLLECTIONS XXXX XXXX XXXXXXXX Balance : {$640.00} Balance updated : XX/XX/XXXX Original balance : {$640.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XX/XX/XXXX FROUDULENT ACCOUNTS! 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3500.00} Balance updated : XX/XX/XXXX Credit limit : {$3000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX XXXX Balance : {$2400.00} Balance updated : XX/XX/XXXX Credit limit : {$2000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX XXXX XXXX XXXX Balance : {$18000.00} Balance updated : XX/XX/XXXX Credit limit : {$10000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX XXXX XXXX XXXX Balance : {$690.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving
Product: Debt collection

Considering the current economic situation, I would assume Brock & Scott ( Collection agent for XXXX XXXX ) would want to Settle my debt ( which they have a judgment for ) as most consumers are experiencing significant financial hardship. This law firm fails to issue a written decline in a timely manner, but rather communicates verbally months later after numerous follow ups to avoid a paper trail. They take an excessive time to respond to requests, which is harmful to consumers who wish to clear up credit. They are fairly disorganized and state inaccurate facts, such as pursuing collection on unenforceable wage garnishment. I dont feel this creditor is being fair and forthcoming in their dealings, but rather discrimatory and predatory, since they feel they believe they can collect via wage garnishment of {$900.00} per biweekly pay period. 

XXXX-Brock and Scott submitted a wage garnishment to my employer to begin deducting 25 % of my disposable earnings, beginning with the XX/XX/XXXX payday. 

XXXX-I submitted a Florida head of household exemption, which invalidates this creditors request to garnish wages. 

XXXX-Attorney reaches out to Brock and Scott to offer a settlement. 

XXXX-I called Brock and Scott and they didnt want to speak to me, as I have attorney representation XXXX- 2 months later- Brock and Scott declined offer of {$3000.00} & received a counter of {$9600.00} XXXX-I drafted a hardship letter and submitted to Brock and Scott XXXX-3 months later-Brock and Scott declined settlement of $ XXXX.They stated they have a garnishment order, therefore they are declining to settle for less than the Full amount owed. This is contradictory to their offer to settle for {$9600.00} on XX/XX/XXXX, which is harmful to a consumer, by asking for a higher amount than previously agreed to settle for less than full. 

XXXX- My attorney submits a settlement of {$5000.00}. 

XXXX-I received a call from Brock and Scott, which I missed. I called back and they advised they cant speak to me. I advised that my lawyer has been trying to get ahold of them for months to settle, and no one responds back to them. 

6 months later-Brock and Scott declined the offer, but did not provide a rejection letter or any type of counter offer. They advised that the client ( XXXX XXXX ) elected to continue to proceed with the wage garnishment. This makes NO sense and is inaccurate, as a Florida head of household exemption was submitted.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX This account was reporting inaccurately. Please investigate this thoroughly and remove it accordingly.
Product: Credit reporting or other personal consumer reports

Upon checking my XXXX credit report, I noticed a hard inquiry from Sallie Mae Bank on XX/XX/23 that I did not initiate or authorize. Please remove the following inquiry from my credit report immediately as this is fraudulent activity. Thank you in advance.
Product: Debt collection

The ain't mine somebody made a fraudulent I'll talk to him if it was my information my name it wasn't even spelled right and they still put on my credit report {$XXXX}
Product: Credit card or prepaid card

Saw advertisement in the XXXX pumping area of XXXX stating XXXX cents per gallon discount for XXXX month if you get wawa credit card. After several times and considering the Extremely high prices of gas XXXX cents per gallon would be a Blessing in XXXX for anyone. Finally on XXXX XXXX, 2022 @ XXXX my husband decided to apply for this card. So I used my phone and applied for him as he watched all data I entered and by XXXX we received a response of " You're Approved. Set up your account to access all of your card benefits '' So I replied YES want to Check Card Balance Online, YES want to view statements and letters online. Next had to enter user ID then password. Next CONFIRM your Paperless Statements and Letters Enrollment -- - Which I did CONFIRM @ XXXX. Then the wawa system said " You've set up your account and preferences. Her are your card details ''. Next showed my husband 's name his cr limit & his Variable APR % rate. Next asked did you want to enter additional user. My husband said he wanted to add me as a user with my own card so I entered my name and dob. Now it's XXXX XXXX the XXXX System now shows my name blocked out my dob and said same address -- but listed my last name DIFFERENTLY THEN ACTUALLY IS. My Last name is : XXXX XXXX XXXX -- XXXX XXXX, XXXX XXXX and all other letters lowercase and each word separated ONLY BY SPACES, NO HYPHENS!!, yet their system CAPITALIZED THE D in XXXX -- -- -WRONG WRONG WRONG WRONG. 1st statement ( stmnt ) arrived in the mail and does not display a proper auditable ( in accounting ) transaction number of gallons X price per gallon, and APPLIED DISCOUNT AND PURPOSE OF DISCOUNT APPLIED, XXXX. New CC Customer XXXX cents per gallon, DOES NOT Distinguish GASOLINE transactions from STORE Transactions. XXXX ( XXXX CENTS PER GALLON DISCOUNT ) Cents per gallon discount may or may have not been properly applied, due to no way to prove this is HORRENDOUS statement. Horrific Customer Service Representatives, who are XXXX, and possess no decent customer service skills. In Conclusion I must conclude WE/OUR ACCOUNT was not issued sufficient credit to equal XXXX cents per gallon, nor XXXX cents per gallon for all gasoline fillups past XXXX days. PLUS the amount of time, energy, effort, and supplies in my attempts to amicably resolve all these issues The wawa credit cards arrived at our residence on XXXX XX/XX/2022 -- i have proof it you need it. I has have proof of both calls to XXXX XXXX card and names of employees spoken with, if you need it 1st statement from wawa cr card received XXXX XXXX, 2022 -- see pages enclosed.
Product: Credit card or prepaid card

I closed credit card account with Citi Bank but they charged me an interest rate and late fee along 3 months after. On XX/XX/XXXX I called Citi Bank to close my account ( my due date is XXXX of each month ). I choose to call to make sure that I paid all the interest charges associated with my card in full. I asked representative if I should expect any additional charges and representative responded that I paid the full amount and account is closed. 3 months later I received the phone call from Citi Bank notifying that I own {$120.00}. Apparently, Citi Bank charged my account an interest fee on XX/XX/XXXX and late fee of {$35.00} each month since then. I called Citi Bank and explained that on XX/XX/XXXX my account has been paid in full and closed but they insisted that I must made a payment to avoid additional late fee. I also informed them that I purposefully called in to make sure that I paid everything in full upon closing my account and representative told me that I should not expect any additional charges. Even though they acknowledged that they did a mistake by not informing me about interest fee that is going to be calculated only on XX/XX/XXXX, they rejected to retrieve a late fee. I agree to pay interest rate but it is a burden for me to pay all of their late fee charges that I believe to be unethical.