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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit, loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Eqiofax is reporting me as XXXX payments past due on my XXXX account. I am not presently late with XXXX. In a phone call with me and in response to a complaint from the CFPB, XXXX agereed to remove the negative information from my report, as it was submitted in error. They provided me with an " XXXX '' number XXXX.
Product: Checking or savings account

Since the XX/XX/XXXX I didnt receive my direct deposit, its XX/XX/XXXXXXXX  ( Payday ) and I still dont having my deposit, the bank is not giving me proper explanations just stuff like tech issues. The app is not even working properly for check too.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

" XXXX - XXXX XXXX '' has been processing the payments from my bank exactly a day later, and have imposed over {$100.00} for late fee and interest charge for two consecutive months. I have been with XXXX over a decade and used bill payment function all the time. XXXX-XXXX XXXX says they received the payment 1 day later than the due date. I would like an investigation over their bill payment processing practice as I am convinced that I am just one of many consumers out there who are getting played by this scam.
Product: Mortgage

PREVIOUS CHASE LOAN NUMBER XXXX THE ABOVE LOAN WAS TRANSFERRED TO XXXX IN UTAH AS A NEW SERVICER ACCORDING TO CHASE LETTER IN XX/XX/2020. 
THEN WHY ARE CHASE INTERFERRING WITH MY HOME INSURANCE WITH XXXX XXXX?
Product: Student loan

I have emailed the company XXXX ( starting on the XXXX of XXXX ). Sloan servicing took over the loan from Nelnet. Everything worked fine with Nelnet. Now, I cant sign in. I cant create a username or password. I get a message telling me that I can not login. I dont know why. Ive mentioned this several times to Sloan Ser. When I attempted to use my old username and password ( from Nelnet ) that was of course not accepted either. They emailed back and lengthy filled with nothing email, even with a phone number ( that doesnt work ). All I want to do is file my IDRP. I find it strange that theyre not allowing me to do so. I feel that Sloan Sevicing is not acting ethically or in a way that is helpful and is instead trying to deliberately prohibit me from doing whats necessary so then I would go into default.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries XXXX not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. 

To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX JRr. 
Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Birthdate : XX/XX/199XXXX XXXX Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. 

Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. 

I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EXPERIAN conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. 

To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. 

I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EXPERIAN will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXAMERISAVE MORTGAGE CORP has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.
Product: Checking or savings account

I opened an account with XXXX XXXX  through Cash App on XX/XX/2020 and was due to receive my first direct deposit on XX/XX/2020, which I didn't. I reached out to the app, who informed me that I would receive the deposit in 3-5 business days. It is now 5 business days and I still haven't received the money.
Product: Student loan

Since the end of XX/XX/2023, my wife and I have attempted to contact Nelnet numerous times, with their hours changing without notice from what was advertised, regarding the payments for our student loans. We can not afford the payments that Nelnet is attempting to collect and we were under the impression that any IDR plans or applications would be transferred to Nelnet from Great Lakes. Today, XXXX XXXX, XXXX, we got someone on the phone after being on hold for XXXX hours, got through, and were placed on hold for over half an hour thus far with no additional communication. You can look at an umpteenth amount of posts from borrowers spanning from XXXX to XXXX that have been trying to get payments settled in vain. We have a child that we are expecting in the coming months and Nelnet 's lack of transparency, communication, and downright thievery of government funds has caused undue stress on our growing family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 a account without my written instructions.
Product: Checking or savings account

I am writing to seek your assistance regarding a series of fraudulent transactions in my Wells Fargo account from XXXX XXXX that have occurred on my checking account. The most recent charges total {$1900.00}. For the past month, I have submitted multiple claims to address this matter. However, Wells Fargo has placed a negative balance on my account and continues to permit unauthorized withdrawals by the fraudsters. 

Despite my efforts, the bank has refused to close the account. I have contacted the customer service team, the claims department, and the fraud department, but my concerns have not been adequately addressed, and I am being held accountable for these unauthorized activities. 

To further protect myself, I have filed a police report and reported the identity theft to XXXX. Additionally, I have taken the precaution of freezing my accounts with all credit bureaus. Unfortunately, Wells Fargo has yet to close my account, which continues to be a source of concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hit California and my son was enrolled in XXXX XXXX XXXX XXXX  and the University shut down and the students were sent home. XXXX XXXX XXXX  took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.
Product: Credit card or prepaid card

Someone stole my identity and XXXX XXXX to open XXXX new credit cards issued by Comenity Captial on XX/XX/XXXX. I learned from the creditor that below purchases were made by the criminal at same day after new accounts are opened. 
XXXX. XXXX purchases {$680.00} and {$130.00} made by XXXX XXXX card at XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX. XXXX purchase {$610.00} made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX From XX/XX/XXXX to XX/XX/XXXX, I have called XXXX credit bureaus XXXX, XXXX, XXXX to dispute the new hard inquiry appeared on my credit report and requested for removal. I also requested the creditor to close new accounts and start fraud investigation immediately. I also submitted police report to protect myself from future crimes by using my identity.
Product: Mortgage

Carrington stated that if I made a partial payment to come up with a full payment, the entire amount would be applied as a payment. This is stated on my loan statement. 

Instead, they put the part of the payment as a principle curtailment ( in contrary to what the statement said ) and now is showing a late payment and late charges. I was told months ago that it would be corrected within XXXX hours when I called and spoke with customer service. 

Each time I make a payment, they are showing it as the previous months payment and continuing to send me late payment notices, charge late payments and threaten foreclosure. 

On my XXXX Statement, I had a {$1100.00} Partial Payment ( unapplied ) XX/XX/17 Statement, still there. 
Between the XXXX and XXXX payment, I paid an additional $ XXXX to make it a full payment, per the *partial payment language on my statement! and the $ XXXX just disappeared. 

I called and was told they'd fix it to be XXXX full payment applied. 

Now they managed to eat up all my {$380.00} in fees, put me 30 days behind and keep charging other fees. This disappeared on my XXXX and XXXX statement but showed back up in XXXX to be used for fees! 

At this point, I should be paid in full through the end of XXXX and my XXXX payment being due XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are f
alsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX FCU : Account XXXX : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX : Account number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> 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 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 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. 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 that the information is inaccurate.
Product: Debt collection

LVNV Funding has continued to report inaccurate information to each credit bureau. The balance, payment history and information differs on each bureau. Which mean they are not in complice with FCRA which in violation of 15 usc code 1681, 1802 and 1692.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX 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 a 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 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. 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 that the information is inaccurate.
Product: Debt collection

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX. 
I had some issues with my income being affected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. CAPITAL ONE AUTO FINANCIAL # XXXX account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Debt collection

I took a paycheck on XX/XX/XXXX to a local XXXX Checksmart to be cashed which it was. I received a phone call on or about XX/XX/XXXX from a XXXX XXXX who says he's from Checksmart and the paycheck was apparently returned. I was a little surprised to hear this but I had wanted to work out a repayment arrangement with them. I have been a long time customer of theirs and in the interest of that relationship I decided to work with them on good faith with no documentation and the understanding that documentation would be following. To date I have received nothing from Checksmart. On XX/XX/XXXX I learned that the check had been resubmitted for payment and had cleared I was also given documentation to that effect which I offered to send to XXXX XXXX, he declined. The calls have not stopped and they are threatening to file criminal complaints against me. I have stated to them that this is an issue on several points. One - the debt has been paid in full, two - I have not received any documentation requested or even a demand letter from Checksmart which is required, three - I could have no knowledge that a paycheck might be returned. I have reiterated these points to Checksmart many times and they continue to engage in unlawful debt collection. XXXX XXXX has refused to provide contact information to send the documentation I have, I have sent the documentation to a generic customer service email address with no response. In addition to this complaint I have filed a complaint with the Ohio Attorney Generals Office
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Transunion since XX/XX/2021 about a few inaccurate accounts reflecting on my report. They have been ignoring my request to verify and delete the inaccurate information they are reporting causes me great distress. I have not received any correspondence about my concerns.
Product: Money transfer, virtual currency, or money service

I am filing a cvomplaint against Cash App ( Block ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash 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 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 loss and I seek appropriate redress