23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

T o wh  om it may concern, Attached is a copy of an extension agreement that was signed and com pleted on  XX/XX/XXXX . I 'm not sure why my account this agreement has not been applied to my account, but I was told that I was eligible for an extension, and was given an extension twice.  <P/> I originally applied for the extension in  XX/XX/XXXX , but that extension was not applied to my account. When I called to make my monthly payment in  XX/XX/XXXX I was told that my car was about to repossessed for non-payment.  <P/> I asked and qualified for the extension, I also had to record my name saying that I understood that the procedure of the extension agreement, but still no extension was applied to my account. The account  manager  that I spoke with on XX/XX/XXXX assured me that my extension would be back dated and my account would be brought current.  <P/> It has been 3 months, and my account is not current, although in  XX/XX/XXXX I was sent an extension agreement in written via email, I signed and returned it immediately.  <P/> Also, there are over {$700.00} in additional charges on my account. In XX/XX/XXXX , my car was repossessed because I mailed in my payment, and somehow it was lost in the mail. I paid over {$1500.00} in charges to have my car returned to me.  <P/> About a week later the payments that were mailed, we 're applied to my account, and subsequently refunded to me. During XX/XX/XXXX my monthly payment was {$19.00}. I spoke with a manager, that could confirmed what was on.y account.  <P/> I 'm not sure what these charges are and why they exist, but I would like for my account to become currently and updated. I would like to receive written correspondence concerning this matter. I can be reached at  XXXX  XXXX  XXXX .  <P/> Sincerely,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I made payments XXXX and showing account open. Attached showing account closed on credit report yet showing open on Experian and XXXX. Showing made payments on XXXX yet late payments on Experian. However, no payments from me were never made showing from XXXX to now. 
No balance is due Airport Infinity fraud and XXXX XXXX gave wrong information to XXXX 

PLEASE PROVIDE PROOF PAYMENTS WERE MADE FROM ME FROM XXXX. 

PLEASE PROVIDE PROOF OF THIS BALANCE STATED WERE DUE. 

PLEASE PROVIDE PROOF OF ANY LATE PAYMENTS. 

PLEASE PROVIDE STATEMENT FROM CAR DEALERSHIP WHO PROVIDED THIS INFORMATION TO XXXX XXXX PLEASE PROVIDE WHO IS DIRECTLY REPORTING THIS INFORMATION. 

PLEASE PROVIDE PROOF IF PAYMENTS WERE MADE BY ME FROM XXXX TO XXXX WHY IS THE BALANCE THE SAME AND DOESN'T CHANGE OR GO DOWN? 

WHY WOULD THE BALANCE REMAIN THE SAME IF I WAS MAKING PAYMENTS? 

WHY IS THIS ACCOUNT SHOWING 7 YEARS AND 7 MONTHS ON CREDIT REPORT? 

PLEASE PROVIDE PROOF WHY THIS ACCOUNT IS SHOWING OVER THE 7 YEAR STATUE PER THE CFPB GUIDELINES.
Product: Credit card or prepaid card

I have had my Citi XXXX  XXXX Card for 3-4 years if not longer. At the beginning of the pandemic, I called Citi to see what programs they were offering to Americans in lieu of the pandemic. Around XXXX XXXX, Citi informed me there were no programs yet that had been put into place. They told me to call back daily since everything was continuously changing. Fair enough, so I did. I called back whenever my work and XXXX XXXX schedule allowed. Each phone call required at least me being on the phone for up to an hour. Finally, on my 3rd phone call near the end of XXXX, Citi told me they would allow delayed payments up to 30 days and would waive all late fees and penalties incurred. Citi proceeded to tell me that for better offers and more relief to call a 1-800 number which they provided. I called this number and had to wait over 2 hours only to be told that there was nothing Citi could do and they did not understand why their representatives were giving out this number. This was very discouraging. I took advantage, or thought I was, of Citis delayed 30-day payment offer. Once the 30 days was approaching, I decided to check my account via my phone app to find out that Citi had ONLY waived the late fee I would incur had my payment been considered late. They even showed a late charge being applied to my account and then Citi refunding the late charge, BUT my account continued to incur interest charges. This made absolutely no sense to me. How do you delay my payments but continue to charge interest? I had a stellar account history with Citi, so this struck me as odd and unhelpful whatsoever. Immediately, I called Citi inquiring about the delayed payment program they had offered. I asked how this program was even slightly beneficial if interest continued to accrue under their offer? Citi informed me that they had waived my late fees. Yes, late fees I would NEVER incur had I not taken advantage of their so-called offer. So, again, what benefit was there for me the consumer? NONE. Considering I have a low balance, Ive decided to pay the full balance in two payments, but what relief are these super rich companies providing the American public? And what government bailouts are they reaping? Yet they refuse to help their customers! I am very frustrated with the limited so-called help Citi is currently providing.
Product: Student loan

Good afternoon, My loan servicer Navient ( Account # XXXX ) is changing my payments without prior consent or authorization. I am set on auto pay. Originally my payment was {$41.00}. Then on XX/XX/XXXX it was increased to {$51.00} and today XX/XX/XXXX it was increased to {$67.00}.

Furthermore, I had unenrolled from auto pay sometime in XX/XX/XXXX and without my consent Navient placed me back on auto pay and withdrew funds from my account without my consent.

Please advise as to what can be done.

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data Mortgage pulled a credit report in XX/XX/XXXX, I was trying to get finance to buy a house, the report they pull was Bogus, said XXXX   had not reported anything on my report and XXXX XXXX score was wrong as was XXXX I reported this company to the XXXX XXXX XXXX, got a call last week then today I looked a my experience report and the company had put on it that they pulled a report on XX/XX/XXXX, I was not even looking for a mortgage in XXXX, and FactuLData Mortgage want it to stay on my report until XX/XX/XXXX how can a company just lie and put and thing on your credit report, just because you reported them to the XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Attn : Legal Department Re : Dispute and Notice of Intent to File Legal Action Account : XXXX XXXX XXXX XXXX Dear Equifax Legal Department, I am XXXX XXXX XXXX once again regarding the incorrect and unverified credit entry associated with my XXXX XXXX XXXX  account ( ending XXXX XXXX ) on my credit report. Despite my previous attempts to have this matter rectified through written disputes sent, the inaccurate information specifically a false late payment report continues to appear on my credit file. 

This ongoing issue has not only undermined my financial integrity but has also caused me undue stress, financial harm, and has hindered my ability to obtain credit. The persistence of this error, despite my efforts to dispute it, indicates a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly concerning your obligation to report accurate information ( 1681e ( b ) ) and to properly investigate disputes ( 1681i ). 

I hereby demand the following : A thorough investigation of the disputed account to validate the accuracy of the reported information. 
Immediate correction and removal of the unverified late payment entry from my credit report. 
An updated copy of my credit report post-correction, sent to my address listed above. 
A written confirmation of the aforementioned actions taken in response to this notice. 
Please be advised that if Equifax fails to comply with these demands and continues to violate my rights under the FCRA, I am prepared to take legal action to seek all available remedies, including seeking compensation for damages incurred as a result of these violations. This may include, but is not limited to, damages for undue stress, financial harm, and the denial of credit opportunities directly attributed to this specific false reporting. 

I expect a response to this letter within 30 days, addressing the concerns and demands stated herein. I hope for a prompt and amicable resolution to this issue ; however, please be informed that my intent to pursue legal action is firm should this matter remain unresolved. 

Thank you for your immediate attention to this serious matter. 

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

Subject : Notice of Legal Representation and Noncompliance with FCRA To the Institutions Demonstrating Willful Negligence and compliance to the Laws, It has come to my attention that despite my formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block all disputed information or items on my consumer credit report within four days, your agency has failed to comply with this legal requirement. Furthermore, no communication has been received from your office through the CFPB regarding the actions taken or the reasons for any delay or noncompliance. 

Additionally, I must emphasize that your agency is obligated to block not only the disputed information or items requested but also any wrong information or items you are reporting on my consumer credit report. Failure to ensure the accuracy of the report violates your statutory responsibilities under FCRA 611 ( 15 U.S.C. 1681i ) and demonstrates a troubling pattern of negligence. 

As a result of your continued disregard for these obligations, I have retained a law firm specializing in Fair Credit Reporting Act ( FCRA ) violations to address this matter. My law firm is actively reviewing your agency 's actions and will pursue all available remedies, including : Filing a lawsuit to seek damages for willful noncompliance under 15 U.S.C. 1681n, including statutory damages, punitive damages, and compensation for financial and emotional harm. 

Reporting your agencys noncompliance to other government authorities, such as the Federal Trade Commission ( FTC ) and the State Attorney Generals Office, to ensure accountability and further oversight. 


Please be advised that this is not merely a matter of dispute resolution but a legal issue that will now be handled by my law firm. Stemming from the statutes governed by the Rules of Laws, I trust that you will reconsider your obligations under the FCRA and take immediate corrective action to avoid further escalation.

Should your agency wish to communicate regarding this matter, please direct all correspondence to my law firm. Failure to comply with your legal responsibilities will result in further action through appropriate regulatory authorities and the courts. 

Sincerely, [ Your Full Name ] [ Your Contact Information ]
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Hard Inquiry 15 U.S.C. 1681n Violation I am submitting a formal dispute regarding an unauthorized hard inquiry that appears on my credit report. The details are as follows : Inquiry by : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX  Date of inquiry : XX/XX/XXXX I did not authorize these inquiries, and as per the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), hard inquiries require explicit consent for permissible purposes. This unauthorized inquiry constitutes a violation of the FCRA.

Please remove these inquiries from my report immediately. Failure to remove this unauthorized inquiry may lead to further action under 15 U.S.C.1681n, which provides for civil liability in cases of willful noncompliance with the FCRA XXXX 

I request a prompt investigation and removal of this inquiry. I would appreciate confirmation once the issue has been resolved. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've maintained timely payments on this account without letting them become overdue. I'm uncertain about the reasons for late payment remarks on my accounts. Per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX  MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

In 2018 I opened a business to where I Would pay my employees via Zelle. Not To all of them, But at least 4 to 5. In A specific case I added the account it would show it was the correct one according to the phone number, but funds never arrived. XXXX XXXX XXXX stated that I did send funds but not to the correct one. It was {$1800.00}.

In a different case, a payment was sent twice XXXX without my consent of the second one. Which was a little bit more weird I guess it was a glitch. Never got nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union # XXXX, has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account opened fraudulently in my name on XX/XX/2020 balance of {$18000.00}
Product: Credit reporting

XX/XX/2016, I became a victim of identity theft/credit fraud. Someone opened credit accounts in my name. I have since contacted those companies to have the fraudulent accounts cancelled. Yet the credit reporting agencies still show the incorrect information. XXXX shows the fraudulent address used to apply for the accounts. Equifax still shows the credit inquiries for the accounts applied for. Please correct the following information : XXXX - Please removed the fraudulent address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX EQUIFAX - Please remove the credit inquiries for the following companies : XXXX XXXX XXXX and XXXX XXXX Please let me know if you need any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, XXXX XXXX
Product: Debt collection

To whom this may concern the fraudulent account has been removed from all bureaus except XXXX for XXXX XXXX XXXX. I contacted creditor and this account was opened with Someone with a Similar name to mines individuals name is XXXX XXXX the last name on the fraudulent account is incorrect there is a typo they also have wrong XXXX and address on file. The derogatory mark is for the amount of XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where TransUnion has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. I think TransUnion needs to be sued like the other credit reporting agencies are.
Product: Bank account or service

In XXXX I opened a CitiGold checking account with CitiBank. I confirmed in XXXX that I had a promotional offer of XXXX XXXX XXXX XXXX miles attached to the account with the following requirements : -Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card . 
-Schedule 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month. 
The AAdvantage bonus miles will be credited within 90 days from the end of the statement period in which you complete all offer requirements. 

However, I contacted Citibank in XXXX after completing the requirements and waiting for the bonus to post. I was informed that my account was not eligible for the bonus, despite the previous confirmation that I was eligible and the bonus was attached to my account. I feel this constitutes a flat out lie by Citibank.
Product: Checking or savings account

Over draft fees for about 7or more months XXXX per transaction. XXXX  program and check return. 

Name XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a US Bank Easy Checking account using the promo code XXXX. 
The terms of the offer stated that I must complete recurring direct deposits of two or more that total {$5000.00} or more to earn {$400.00} bonus, and be enrolled in U.S. Bank online banking or the U.S. Bank mobile app within 60 days of account opening. 

I fulfilled these conditions on XX/XX/XXXX, with 2 direct deposits of {$2000.00} each from employer on XXXX and XX/XX/19. 

Per the terms and conditions, the bonus should have been deposited into my new checking account within 60 days of direct deposit verification, and verification of enrollment in e-statements. I fulfilled these conditions, but have not received the {$400.00} bonus.
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 practice, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take time and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with resolution requirements under the electronic fraud transaction act ( EFTA ) and Regulation E. These actions has caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$350.00}.
Product: Student loan

Tried on several times to get my service sailor act rights. I was told to defer them I was not eligible for. I was told I must defer them and change to higher percentage rate. This also made more charges on my account. This has made my account increase and not helping me at all.
Product: Credit reporting or other personal consumer reports

What happened? 
I am filing this complaint because my credit report contains collections and addresses that do not belong to me. These inaccuracies are negatively affecting my credit score and financial standing. I have not authorized these collections, nor have I ever resided at the listed addresses. Additionally, XXXX of the companies, XXXX XXXX XXXX, continues to report unauthorized collections on my credit report. 

Specific Details : Unauthorized Collections : XXXX XXXX XXXX Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX XXXXXXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> Incorrect Addresses ( Unmailable Addresses ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Actions Taken : I have contacted the credit reporting agencies to dispute these inaccuracies, but the issues have not been resolved. 
I have also reached out to the collection agencies and provided evidence that these accounts and addresses do not belong to me, but the collections and addresses remain on my report. 
Relevant USC Codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance.

15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Product: Credit reporting or other personal consumer reports

When trying to put a credit freeze on my credit report by phone, had to call twice, the first call took me to fraudulent reports, I just wanted a credit freeze, call the second time and XXXX said my freeze was started without any confirmation number. Just trying to make consumers to open an account with them also Equifax did the same thing, with Equifax had to open an account with them to freeze my credit.
Product: Debt collection

I found out about a collections account with progressive management several years ago. I disputed the amount, and it was removed from my credit report. The account has popped up several times back on my credit report with more recent dates. I have never received ANY written notification from the company. Including notification that they were going to resubmit the debt to the credit bureaus
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 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 for these violations. Thankyou.