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

In accordance with the Fair Credit Reporting Act and XXXX XXXX # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX. 4.. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX. 5. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX. 7. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 8. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX 9. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit card

I had a Credit Card with Bank of America. The account was in good standing, paid in full and on time. I closed the account in XXXX of 2015. This is not disputed by Bank of America. In XXXX of 2015 ( a full 3 months after the account had been closed ) Bank of America re-opened my account without my authorization and accepted an unauthorized charge of {$9.00}. Bank of America did not send me a statement or mail a notification about what it had done until XXXX XXXX, 2015 when I received a past-due letter. Additionally, Bank of America reported me as delinquent to the credit reporting services which had a negative impact on my credit and my credit score. Never did I authorize Bank of America to re-open my account after closing it in XXXX of 2015 and never did I authorize a charge of {$9.00} on my closed account.
Product: Credit reporting or other personal consumer reports

I have been disputing this debt with Credit Acceptance for years. The negative item is reporting on my credit report ( s ) impacting my credit. Credit Acceptance sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX21 and again today XX/XX/XXXX they have called my phone consistently back to back. They state i owe something from my bank account but it doesnt sound legit and if i had an issue with my bank account they would send me something so i dont get it and refuse to get scammed. they are calling me from XXXX they say call XXXX which has been listed a company fraudulently calling people playing as a debt collector. they say ask for XXXX XXXX on the message
Product: Mortgage

Dear CFPB : I believe Wells Fargo is participating in misleading mortgage lending practices, given the recent experience I had with them in seeking to secure a LOC ; I have an existing mortgage with them and a 25 year mortgage and banking relationship. The specific issues and practices for review include : lack of transparency on closing costs and a " surprise '' right before closing in which closing fees had increased by more than {$500.00} ; encouraging the opening of an additional account to " receive '' such fees resulting in additional account maintenance fees to me, even though I had a relationship with WF already and at least XXXX existing accounts the funds could have gone into ; and potentially illegal practices related to the use of notary services such that a notary would notarize for an individual not in their presence ; the notary in my case refused to sign. There were many other issues of incompetency, delay, and various clerical errors involved in the transaction as well. 

In my case, this LOC application process took 3 full months to get to the point of closure even though I had a 25 year history with WF including mortgages and a mortgage re-financing 2 years ago, as well as a high credit score ( XXXX ) and had NEVER missed or been late on a mortgage payment. I am concerned that other consumers with less knowledge and a less secure financial situation may be being targeted by WF and the victims of continued unfair practices even following the reforms following the 2008 financial collapse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a car I had financed with TXXXX XXXX  was totalled. The car was fully insured by XXXX XXXX and XXXX was named as an additional insured. I have comprehensive coverage and XXXX XXXX took full responsibility to pay XXXX XXXXess a {$500.00} deductible. On XX/XX/XXXX, while the paperwork to get XXXX  paid was being processed by XXXX XXXX I filed a Chapter XXXX petition because of a judgments against one of my companies. All the creditors were paid in full and the Judge dismissed the bankruptcy because there was no creditor or debt over which the court could take jurisdiction. XXXX  was fully paid by XXXX XXXX but they still filed a credit report that said " Status-Petition for Chapter XXXX Bankruptcy. '' XXXX  XXXX has some overzealous lawyers who get paid if tha prosecute a bankruptcy case and these lawyers filed a claim in the bankruptcy case and held up the payment to XXXX from XXXX XXXX. The Chapter XXXX Bankruptcy impacted XXXX getting fully paid for a {$28000.00} car loan in no way at all and the status of the XXXX loan should not refer to the Chapter XXXX Bankruptcy which was dismissed and never was adjudicated. Dennis v. BEH-1, LLC, 504 F.3d 892, 2007 U.S. App. LEXIS 22690 ( 9th Cir. 2007 ), reh'g denied, reh'g, en banc, denied, amended, 520 F.3d 1066, 2008 U.S. App. LEXIS 6291 ( 9th Cir. 2008 ), reprinted, 520 F.3d 1066, 2008 U.S. App. LEXIS 6290 ( 9th Cir. 2008 ) where the court ruled " Federal Law forbids the reporting of a dismissed case. see Defendant credit reporting agencys reinvestigation of alleged error in plaintiff debtors credit report, which overlooked dismissal of unlawful detainer case against debtor and misinterpreted written stipulation between debtor and his landlord that no judgment would be entered against debtor in unlawful detainer action so long as debtor complied with payment schedule, fell short of reasonable diligence standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MONTHLY MORTGAGE PAYMENTS TO XXXXXXXX XXXX IS SENT BY BY BANK XXXX XXXX. THESE PAYMENTS ARE SENT ON TIME FOR CREDIT IN THE MONTH IT IS DUE. I RECEIVE AN EMAIL FROM THE BANK THAT MY PAYMENTS FOR XXXX, XXXX AND XXXX, 2023 BEFORE THE END OF THE CURRENT MONTH. 
AS A RESULT I DISPUTE THAT I WAS LATE.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe there may have been a mistake in this decision, and I kindly request your assistance in re-evaluating my case. 

I want to emphasize that, to the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. I have always used my PayPal account responsibly and in accordance with PayPal 's terms of service. Therefore, I am left perplexed and concerned by the permanent limitation imposed on my account. 

I kindly request that PayPal re-investigates my case thoroughly and transparently. It is of utmost importance to me to resolve this matter and, if possible, have my account reinstated. I understand the importance of upholding the security and integrity of the PayPal platform, and I am committed to cooperating fully to ensure that my account complies with all necessary regulations. 

I kindly ask for a prompt response and a review of my account to rectify any misunderstandings that may have led to this limitation. I believe in the fairness and professionalism of PayPal 's customer support, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this appeal, and I look forward to a positive resolution. 

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

There was an inquiry taken place by SYNCB PayPal that was not authorized by myself. This hard inquiry is now impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt give no Authorization to run my credit report.
Product: Student loan

I got a loan in 2008 I believe and after done with school it was hard to get a job that payed well for the career I was pursuing, my My loan interest kept going up and I had no job for a couple of months.They kept adding everyday interest and its hard for me to pay the whole loan.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 Bank account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ), an Cell phone account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number ( XXXX ), and a Government Debt from XXXX opened XXXX XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I am also attaching a copy of my social security card, state I.D . and Mortgage statement proving my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated at this time, my concern was not properly handled by XXXX credit bureaus - XXXX, Experian  and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Debt collection

I'm getting repeatedly phone calls before XXXX harassing me about a debt that their attempting to collect and I am then what debt do I owe and they can't give me that information I would be called the XXXX XXXX XXXX  and they would hang up on me and call me from another number and just tie up my phone line
Product: Debt collection

On XX/XX/XXXX I had filed a dispute with TransUion in regards to a fraudulent account open in my name on XX/XX/XXXXwith a company called XXXX XXXX, the debt owed is XXXX, the said account was handed over to XXXX XXXX As a result of the completion of the dispute it was denied as to clear off my report by TransUion. I have never did any business with a XXXX XXXX nor did I give anyone else authority to do so. I believe to be a victim of identity thief. I noticed several inaccuratcies and incomplete information in my credit file as to leave my beliefs void.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was approved for a payday loan with Ace Cash express for {$1500.00}. The fee 's and interest for the loan were {$350.00}. On XX/XX/XXXX I received an email about refinancing for an additional 2 weeks. I called at XXXX am XXXX on XX/XX/XXXX and talked to one of their loan specialist about the refi option. I specifically asked multiple times on the call that if I do the refi will I receive an additional {$350.00} in fees and was told NO I will only have the {$350.00} take out on XX/XX/XXXX and the remaining {$1500.00} will be taken out on XX/XX/XXXX my next pay date. I was crystal clear to the rep that if I was going to be charged an additional fee then I would not do the refi and she specifically stated that I would not. I am requesting for a supervisor to please listen to the XX/XX/XXXX calls and please let me know what repercussions or options I have because I was clearly miss guided on this refinance. I would have never agreed to pay over {$700.00} in fees just to get a {$1500.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.
Product: Bank account or service

walmart credit card aka : synchrony bank, closed my bank account with them. i received letter XXXX XXXX, XXXX this bank action has adversely affected my credit rating. it went from XXXX to XXXX when i called the bank after receiving the letter i was assured that the bank had made an error and that it would be reflected on my account. ( which he said, " i had not missed a payment but that the payment had not been received due to bank error '' ) now my credit has suffered XXXX point drop for the admitted error of this financial institution. 
my credit shows right now that i was closed due to lack of payment. 
when i made the first payment, well before my due date, i did it through a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. 
i then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go through and i was not told at the time that the payment did n't go through, and i was not called later. 
i complied with all rules well before due date ; using well established protocols and still they failed at their job and i must suffer for their incompetence. 
the bank must correct this false statement. or it must pay compensation for publishing false statements. 
i have spoken to a bank manager and was assured that this would be cleared up. but i can see now that he just wanted to end the call ; so he lied and did nothing.
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 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 32 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX billing services has defaulted accounting practiced in the standard norms. I was provided internet XXXX XXXX by XXXX. I was supposed to have two year contract for their business. But I decided to move to a new place where I was n't provided the same quality services but different quality internet which was on repair status for one week. But then billing statement showed so many flaws .I had also reported to annual credit agencies who works harder with businesses to give fabricated credit report. This is to inform you that amount was charged fraudulently without my notice and permission. I will provide all documentation provided It is related to IRS as well as tax filing only after getting your response.
Product: Debt collection

XX/XX/XXXX To : CFPB From : XXXX XXXX Dispute identity theft XX/XX/XXXX with company XXXX XXXX  XXXX XXXX XXXX left on front door due scam. I file report with FTC due First time home owner program Appointment XX/XX/XXXX credit report pull and Housing program clerk stated XX/XX/XXXX deadline date clear credit report of this XXXX matter with Merchants Acceptance XXXX XXXX XXXX XXXX XXXX. ID theft ruin credit report. XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX, Equifax, and XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report. On XX/XX/2024, I submitted a personal information update letter to XXXX, Equifax, and XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/2024, I received a response from XXXX, Equifax, and XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX. 
I believe that XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Student loan

XXXX   XXXX , now Navient, are thieves. They are unprofessional, apathetic, and scheming. I have loans with  XXXX   XXXX  from College. Over the last fifteen years, I have been harassed, insulted and beaten down by them. I had a customer service rep tell me to get another job or rent out a room in my house in order to pay my student loan. I am a  XXXX   XXXX   XXXX  and was told that I no longer qualify for student deferment. My most recent statement, my interest rate went up again. How is that legal. I owe double what I borrowed and my interest is now 10 % on  XXXX  loans, and 7 % on my  XXXX . How will I EVER pay it back? How can they keep raising my interest? How is what I have paid hardly touch any balance? They are not willing to work with me, and are unreasonable. How can a single mother, let a lone person, pay with interest loans like this and no other support. How does IBR not qualify for this. It was student loan. I ca n't get anyone to refinance, even though I would have to refinance interest, it 's ridiculous. All I am asking is for them to be reasonable. I owe almost  XXXX  and borrowed less than half that. How will I ever pay it off. All I am asking is for a fair interest rate.     I am so desperate, I tried filing bankruptcy in order to survive,  XXXX   XXXX  wanted my monthly payment which was more than my rent. Private student loans do n't qualify for IBR or deferment, or refinancing, but do n't count as a private loan to file for bankruptcy because it 's a school loan. I am desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX : Open date XX/XX/XXXX2015 Allegedly late payment XXXX XXXX XXXX XXXX : Open date XXXX XXXX 2016 Allegedly late payment XXXX XXXX2020 Department of education XXXX XXXX XXXX date XX/XX/XXXX Allegedly late payment : XXXX/2019 XXXX/2019 XX/XX/XXXX2020 These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 15 U.S.C 1666b : 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.

Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
Sincerely,