23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX  XXXX. for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 card or prepaid card

My issue pertains to a recent interest charge from Captial One. As of XX/XX/, the balance on my account was for {$510.00}. This amount, which included interest on that amount of {$11.00}, was paid in full on the payment due date ofXX/XX/2019. My credit card balance was {$0.00} until this morning, XX/XX/, when I checked my account on my phone and saw that I had been charged another interest charge of {$11.00}. The only description on Captial One 's app of the interest charge was for " purchases made on XX/XX/2019'', of which there were none and, as of the writing of this complaint, remains as such. I called Capital One for an explanation and all the representative told me was that this interest charge " was for previous account balances from XXXX and XXXX ''. Obviously, this explanation was not satisfactory and I'm quite dumbfounded as to how I can be retroactively charged interest on a balance that was already paid in full, and which I was lead to believe, according to their billing statements, included any and all interest charges accrued. I will not allow Capital One to hoodwink me into paying interest charges that they know are completely and utterly fraudulent.
Product: Bank account or service

US Bank : XXXX/XXXX/17 : Trying to make a payment in my fraudelent accounts and being rerouted from XXXX department to another. Making my account even more debt, and no resolution and no result. Not liable to this accounts : Reserve Line XXXX and Credit Card ending in XXXX with adding late fees and interest charges and cash advances when not making purchases, making payments and not responding to my requests & disputes & messages and only rerouting, and blaming XXXX department to another. Thanks.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Marcus by Goldman Sachs regarding inaccuracies in the reporting of my account account number XXXX. 
Upon reviewing my credit report with XXXX, XXXX, XXXX I have discovered that the account in question is reported as a charge-off. However, I believe this information is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : I wrote a dispute letter on XX/XX/2024 regarding this charge off account. Marcus by Goldman Sachs responded with a verified letter stating the history of the payments made. I did not dispute any of the payment history or whether this account at one time belonged to me or not. I was disputing the fact that Marcus labeled this account as a charge off. This account statutes are inaccurate. 
Inaccuracy of Charge-Off Status : The account has been inaccurately labeled as a charge-off. I dispute this status, as my understanding is that a charge-off is considered income by the IRS, and income is not meant to be furnished into my consumer report. Therefore, reporting this account as a charge-off is misleading and violates the accuracy requirements of the FCRA. 
Violation of FCRA : The Fair Credit Reporting Act clearly outlines the obligations of creditors to report accurate and up-to-date information. The inaccurate reporting of a charge-off status on my account not only misrepresents my financial situation but also violates the FCRA, which mandates that consumer reporting agencies and creditors provide accurate information. 
I kindly request that the CFPB investigate this matter and take appropriate action.
Product: Credit card

I was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide USPS delivery confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Santander refused to pursue my claim, despite there being NO proof of delivery- no photo of delivery, no signature, merely a USPS delivery confirmation scan in the same zipcode- which is part of the scam, as the item was likely delivered to a dummy address in the same XXXX mile radius. 

Reference # 's XXXX Filed a complaint with the CFPB, Santander had a women named " XXXX '' who proceeded to waste my time and shine me on- not her fault, it's clearly her job- who gave no explanation other than " XXXX providing information that the item was shipped to the correct address ''. Just complete lies, laziness, and no interest in protecting a client. 

Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients. 

Consumer fraud of the worst order, with absolutely no protection from who is supposed to be providing protection- the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I decided to review my credit report. Generally it appeared to be in order. but what I saw was that one of my XXXX XXXX accounts was unlocked and my XXXX XXXX XXXX  account also unlocked after several atempts to lock them. I was contacted by a representative from XXXX XXXX as! was concerned about leak information or fraudulent attempts that could happen. I was told by XXXX XXXX that my account was frozen. However, I wanted to know why two accounts which under the names of the account is written in green " XXXX granted '', while the remaing ( XXXX ) accounts displayed " XXXX blocked '' ( which was what I requested. I attempted to contact XXXX on XXXX occassion with the XXXX representative on the other line. All we got for awhile was the automated system, which of course had NO options relating to my issue. I received noticed that my social security was on the dark web as well. I sent three ( 3 ) emails to XXXX, but was told they were only going to automated system. I have made calls to no avail unable to get a phone number to speak to a human. I don't exactly know how this affects my credit with " access granted ''. I get no answer and just want to know WHY when I definitely locked these two accounts ) they remain accessible. Secondly, there is documentation that I have an account with XXXX XXXX! I DO NOT HAVE AN ACCOUNT WITH MACYS. When I applied for this account ( XXXX XXXX ) mid XXXX, my accounts were frozen, and I was told I can unfreeze. I didn't bother. I do not have an account to XXXX so why is it on my credit listings. This too I am just noticing it. It is blocked and can't be unlocked! I am somewhat XXXX now regarding this complaint in that at first it did not accept my instituting a new password and I believe my privacy for CFPB has been violated ( I have email prviacy address ), and I believe XXXX accounts for CFPB has been created! 
Becaue I can't reach a human being, I am rquesting a written response to my concerns regarding mention of XXXX XXXX ( which I have NO account ) and why XXXX accounts XXXX  XXXX ( I can't tell if it's my XXXX  account or XXXX ) but I am unable to access I tried to file a disupte and the approprate page would not show up XXXX my computer ( another concern ). So I am prevented from filing a dispute ( I will continue to try ) However I did apply for XXXX XXXX mid XXXX and told my credit report was frozen, so why is XXXXXXXX XXXXs showing as a account on XXXX report. As the federal Fair Credit reporting ( FRA ) promotes accuracy, I would like to have same for my reporting accounts
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment for XX/XX/year> was made on time, which falls within Capital Ones XXXX grace period. Therefore, the account should not have been reported as XXXX XXXX XXXX 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/year> through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXXcct # : XXXX has violated my rights 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  reporting address XXXX XXXX XXXX, XXXX  XXXX, an address I never lived at has violated my rights 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have begun disputing my credit report with the agency of Experian since XXXX XXXX, XXXX. I have sent over a dozen certified letters of the inaccuracy of the items listed on my credit report. Each time that I have sent my disputes, I was sent a notice back stating they are missing verification of self ( ID, proof of new address, recent utility bill and dispute request ), I sent in all the requested information and provided them with 15 more additional days to complete the investigation, Experian stated the information was verified but have failed to show me how the information was verified. I 've sent notices on XXXX/XXXX/XXXX with tracking number XXXX on XXXX XXXX, XXXX, tracking number XXXX also on XXXX XXXX, XXXX with tracking number XXXX also on XXXX XXXX, XXXX, with tracking number XXXX which was signed by XXXX XXXX XXXX on XXXX XXXX, XXXX. My final notice on XXXX XXXX, XXXX, included all my previous request on fixing my credit report accuracies as well as verify the information listed and intent to file a complaint or lawsuit if the information was not fixed. I received a letter back stating they will not re-investigate my issue. The mass majority of the information that was reported since the start of the investigation has been deleted but continue to report negatively on my credit causing me harm and not being able to approve for certain loans.I have also requested for assistance regarding their recent security breach and have received a report that my social security number has been impacted but Experian is not trying to resolve this and help my credit information stay safe and reflect correct information! Please look into this matter and investigate this company.
Product: Money transfer, virtual currency, or money service

My account in paypal was permanently limited and i have funds, he request to submit my id on XX/XX/XXXX XXXX and after submitted my id and waiting her review after that my account was permanently limited. I dont know what the reason why permanently limited my account
Product: Checking or savings account

On XX/XX/2024 I received notifications from my account saying my account was low while I was at work which was impossible because I never took money out of my account. I then opened my account to see {$140.00} taken out of my checking account, {$800.00} ewithdrawal from my savings as well as a {$200.00} atm withdrawal from my savings account. None of which I did as I called saying they were fraudulent charges almost immediately. Chase then a few weeks later only sent a letter in the mail about the {$200.00} fraud charge claiming they did an investigation and I was lying about the charge as I must have done it because the hacker had my PIN number. I explained that was impossible because I have never withdrawn money from my savings account ever before and I had my card physically in front of me. When I called to speak to the claims agent, she was extremely rude and not willing to help or transfer me to someone who would be able to help. They blamed me and told me I wasnt responsible with my card when I was and did my part and they did not protect me or believe their own client. They now took the money back out of my account and now my account is overdrawn. When I continued to ask for help and ask about one of the other fraudulent charges, Chase customer service would not answer the questions and hung up on me. This has been a horrendous experience that has caused me nothing but panic and anxiety and I was unable to recover my money because of Chase not doing anything to protect their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection agency for XXXX  XXXX erroneously placed a collection account of {$510.00} for XXXX XXXX Account XXXX on my 3 credit reports ( XXXX, XXXX, and XXXX ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX  XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my currenXXXX XXXX XXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my 3 credit reports ( XXXX, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 section 602 A section 2 also states A Consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Mohela only forgave part of my loan. Then when I sent a complaint, they were in the midst of changing their website. My complaint was cancelled because of this. 
Mohela had separated my loan into subsidized and unsubsidized, both of which are eligible for forgiveness. I paid over the 120 qualifying payments. The paperwork came from Mohela. Both should have been forgiven. One of them has not been.
Product: Credit reporting

A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. This debt is past the statue of limitations and over 7 years old. Transunion did an investigation last year and did nothing. The original default date is incorrect, but it shows 2014 the year that this debt was put back on my credit.
Product: Payday loan, title loan, or personal loan

Credit central calls my phone 6 times a day everyday excluding Sunday 's they have came to my home on 9 different occasions in the last 3 months
Product: Credit reporting or other personal consumer reports

The consumer finance reporting agency which is you guys are here to protect my rights as a consumer. I need you guys to do your jobs respectfully and remove these accounts from my credit report. The account I have a major problem with is the account I had with the Department OF ED/ XXXX. The Account number for this account is XXXX. This Account is closed and paid off with the Department of Education but it appears on my Experian account 28 times with different opening dates. Its also appears on my Experian account under the name XXXX with the same account number. This account with the Department of ED/ XXXX and Navient with the same account number is hurting my credit score and hurting my chances of obtaining credit .Its not fair or right for this paid account to be appearing on my credit report 28 times that's excessive and hurting my chances of getting credit. It also needs to be known that all of these accounts are 10 years or older and accounts should only be on a credit report for the most 7 years.
Product: Money transfer, virtual currency, or money service

( 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redre for these violations.
Product: Credit card or prepaid card

The beginning of this year some time after XXXX Bank Of America closed my account with out my consent. I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$6000.00} should be refunded or credited to me the consumer. According to18 USC 8 all debts public and private is the obligation of The United States.