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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft i want all inquiries and accounts removed off my credit report i do not authorize the negative accounts on my report
Product: Debt collection

I've requested three times to stop being contacted. I for almost XXXX years I still get automated phone calls XXXX times a week, sometimes XXXX daily.
Product: Credit card or prepaid card

This letter is being written on behalf of XXXX XXXX XXXX fraud report Claim # XXXX. 

I am currently an account holder with XXXX XXXX XXXXXXXX Employment Development Department prepaid debit card. I have been receiving benefits from XXXX since the COVID 19 Pandemic began. 

On XX/XX/2021 I logged onto my account and realized {XXXX were suddenly removed from my account from various fraudulent charges throughout the country. These charges date back to XX/XX/2021 and over the course of the XXXX almost all of my money was gone leaving me with only pennies in my account. These charges include things such as XXXX XXXX, XXXX XXXX XXXX, XXXX, the UXXXX XXXX XXXX, just to name a few, obvious things that would not be purchased by me. These charges range anywhere from {XXXX to over {$XXXX}. 

I filed my first claim with XXXX XXXX XXXX on XX/XX/XXXX, the day I realized what had happened. I was provided provisional credits over the next few days. Those credits were completely removed XXXX days after the first claim was filed and this case was closed by XXXX XXXX XXXX  stating there was a lack of evidence of fraudulent activity. After I received the provisional credit I promptly transferred the funds into my personal bank account in fear that it would be stolen from me again. This resulted in XXXX XXXX XXXX putting a - {$XXXX} on my account stating that I owe this amount. 

I re-opened the claim on XX/XX/2021 with the same claim number and requested XXXX XXXX XXXX  send documentation providing evidence of a thorough investigation and how the decision was made to close the case. I did not hear anything else from XXXX XXXX XXXX 

On XX/XX/2021, I received another notice by XXXX XXXX XXXX  indicating that the claim was closed due to a lack of evidence, again. All of these letters are postmarked exactly XXXX  days after making phone calls to the fraud department to reopen the claim. All of these attempts were denied with no indication any further investigation was performed.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about  XXXX   XXXX ,   XXXX  , I contacted the bank and credit bureaus about the wrong account number and information being reported on my credit file. All parties decided not to remove the information. My dispute is that I do not or did not have mortgage account number with the bank under the account number being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C XXXX C please remove this collection off my credit report you have violate my rights by in lawful communication
Product: Credit reporting or other personal consumer reports

To Whom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 6 criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code XXXX XXXX XXXX  { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint against the credit bureaus due to their continuous failure to address my dispute letters regarding inaccuracies in my credit report. Even after several attempts to resolve the matter through the correct channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes as mandated by the Fair Credit Reporting Act ( FCRA ).

Despite these numerous submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This non-response is a clear breach of the FCRA, which requires credit bureaus to investigate disputes and reply within 30 days.

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

I paid off or settled with XXXX XXXX XXXX back on XX/XX/2017. I  made a total amount of payments for {$860.00}. XX/XX/2017 was when they recieved my last payment and according to the letter they sent me dated XX/XX/2017, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, XXXX according to them XXXX states I still owe them {$590.00} was of XX/XX/2017, which is inaccurate. I have already disputed this twice with XXXX  and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. XXXX  and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached
Product: Credit card

FNBO closed my credit card account ending in XXXX without prior notice or without my consent. They are in violation of 12 CFR Section 226.11. They are also not accepting my method of payment to set off the account and that there puts FNBO in violation to 15 USC 1693o-1. To add, the account ending in XXXX was in dispute and they still moved with closing my account unlawfully.
Product: Bank account or service

Branch Banking and Trust has stooped to a new low. They are now charging to utilize their phone 24 services. That is right, they are charging me to call and ask questions. This is illegal I am pretty sure. I have a XXXX XXXX like many americans that requires I get things explained to me. I should not be punished by sanctions and fees for having this XXXX. I am also notifying the XXXX and CFPB of these practices if not refunded, ceased for me personally immediately. The demographics of our country with an aging, autistic, and generally declining education system makes this predatory. I am going to copy/paste this complaint to everyone until the end of time. This is dirty business, refund my money, offer me an apology and have your company trained on business ethics going forward. Service by phone and person should be a requirement. You have no right to charge, refund these fees. Also provide the address for me to address certified legal mail to from my attorney. What is your mediation process and where to address legal mail for residential adviser. Please explain these fees and put it in writing to the address on file. Both having explanations in writing then being able to call and discuss is fundamental not to just fair business, but also greatly assists in the handling of my personal XXXX XXXX. Please do not deny us these crucial services. Here is the explanation I received from the website of BBT : " Thank you for contacting BBandT E-Mail Support regarding XXXX fees. 

You may make unlimited calls to the Phone24 automated system at XXXX at no charge. 

After selecting an account, you may press 0 to speak with a Phone24 associate between XXXX XXXX. and XXXX XXXX, ET, seven days a week. 

XXXX XXXX, your first two calls to a Phone24 associate are free of charge. However, a {$2.00} fee will apply for each call to a Phone24 associate over two during your statement cycle. " ***PLEASE STOP THIS IMMEDIATELY, ISSUE REFUNDS FOR ALL SUCH INSTANCES AND PROVIDE ME UNIQUE UNLIMITED PHONE SUPPORT TO SOMEONE TRAINED IN HANDLING XXXX, XXXX XXXX. I WANT CLEAR INSTRUCTIONS BY PHONE AND INDIVIDUALIZED SERVICES GOING FORWARD TO ASSIST WITH MY MEDICAL COGNITIVE CONDITIONS. WITHOUT THIS I CAN NOT FUNCTION. DO NOT DENY ME OR CHARGE UNFAIRLY XXXX PEOPLE THAT MAY NEED THIS LIKE MYSELF. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no way for me to report on my credit report I am a victim of a governmental racketeering enterprise or prohibited personal practice. Pursuant to the 14th amendment, 42 USC 1988 ( a ), 18 USC 1964 and 5 USC 1221 ( g ) ( 1 ) ( A ) ( iandii ) and 5 USC 5596 for an admitted prohibited personnel practice pursuant to 5 USC 2302 or a governmental racketeering enterprise pursuant to The Florida RICO Act ( see attachment 18-1 case number 20- 1679 in and for the US Court of Appeals for the Federal Circuit ) I am entitled to {$40.00} XXXX and an Admiral retirement. I have intellectual property that is constitutionally mandated to be implemented that is designed to control hurricanes, global warming by controlling the temperature of the ocean, and make the oceans more prolific by nourishing phytoplankton with upwelling when it is needed most, and to control red tides.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX.
Product: Student loan

I have been employed with a government entity since XX/XX/XXXX. In XX/XX/XXXX, I received notification from XXXX XXXX that 74 qualifying payments, 46 remaining payments, and that my estimated eligibility for loan forgiveness was XX/XX/XXXX. This information was consistent with information I had received up until this point. 

Then, out of the blue, My XXXX sent me a letter dated XX/XX/XXXX, changing my qualifying payments for my XXXX XXXX XXXX XXXX and my XXXX XXXX   XXXX XXXX. Now these XXXX loans had different number of qualifying payments. My XXXX XXXX XXXX XXXX had only 54 qualifying payments, and my XXXX   XXXX XXXX XXXX had 74 qualifying payments. I immediately contact XXXX XXXX for an explanation of the differing qualifying payments. They indicated they would do a recount. Its been over 1 year and the issue is still not resolved. 

The loans are consolidated. There is no reason that the subsidized loan and the unsubsidized loan should have a different number of qualifying payments. 

It is now XX/XX/XXXX. My subsidized loan has 67 qualifying payments. My unsubsidized loan has 87 qualifying payments. My XXXX needs to get this fixed so that it is resolved by XX/XX/XXXX, my date of PSLF forgiveness eligibility.
Product: Credit reporting

I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditors, XXXX, XXXX XXXX, and XXXX XXXX Solutions and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. Equifax only continues to update the accounts associated with these creditors.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( block , inc ) do to inadequate customer service and unfair practice, which violates the consumer finance protection act ( CFPA ) Specifically cash app fail to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected Futhermore their dispute Resolution process was unfair and deceptive as that did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E.these actions has cause significant inconvenience and financial loss and I seek appropriate redress for those violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer-reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
ALL of The following inquiries listed below are unauthorized and need to be DELETED ASAP : XXXX XXXX XXXX XXXX , XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX/XXXX & Inquiry on : XX/XX/XXXX. 
XXXX XXXX/XXXX & Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX/XXXX Inquiry on XX/XX/XXXX.
Product: Credit card or prepaid card

As part of maintaining a card with Chase, I was to receive a Certificate for a Category 1-5 hotel room with XXXX. I was issued this Certificate on XX/XX/2018 or XX/XX/2018 and was good for one year. This was not honored by Chase or XXXX. There was a recent merger of XXXX and XXXX properties. During this conversion, the Certificates were deemed to be capped at XXXX points or a Category 4 equivalent. I have spoken to both XXXX and Chase about this inaccurate disclosure and none have resolved this matter.
Product: Checking or savings account

I was charged for overdraft fees multiple times although I had money in my savings account through the same branch.
Product: Checking or savings account

I contacted the CFPB in regards to XXXX claim earlier and the claim was closed out. 
There are a total of XXXX claims : XXXX, XXXX, and XXXX. There was a total amount of XXXX {$1300.00}. 
Wells Fargos policy is that if the claim is processed within XXXX days of the first fraudulent transaction then provisional credit will be issued. I have only been issued of {$390.00}. 
This is completely unfair and unprofessional all together. 
On top of the fact that my claims were merged together and Wells Fargo never notified me of this which is supposed to be within their policy to do so. XXXX claim XXXX merged together with XXXX on XX/XX/12. 

I have attempted to speak to XXXX and the office of the president for escalations but i continue to get the run around. This is very frustrating and I cant get any help from Wells Fargo.
Product: Debt collection

I have no recollection of what rhis debt is for. Im assuming it is a medical debt and if that is the case i have had coverage thru the state of Minnesota for over 10 years. It may be a debt that should be taken care of thru Medical assistance. But I am not sure.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX I applied for. Sallie Mae credit card from an email solicitation. On XX/XX/XXXX I received an email with an attached document from Sallie Mae stating " we could not validate your identity '' and they had not opened the account. I called Sallie Mae that same day and they instead stated the reason was " the application had expired ''. I had received no communication from Sallie Mae regarding the application from the time of applying until the XX/XX/XXXX email. I was told on the XX/XX/XXXX phone call I would need to apply again which would result in a second hard credit inquiry to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting on my credit report for my XXXX XXXX XXXX account I have never been late on any payments, yet my credit report shows discrepancies that are not accurate. 

Attached are screenshots showing the inconsistencies in the reporting. Given the inaccuracies, I request that the entire account be removed from my credit report. 

Thank you for your prompt attention to this matter
Product: Money transfer, virtual currency, or money service

Attempted to send money to family member overseas using Credit Union, transaction not approved after several questions which seemed not relevant such as my age, what was the transfer for and to whom, etc left me very uneasy, unsettled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  the inquiry was made XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> paddio XXXXXX/XX/year> XXXX XXXX XXXX i am requesting for all of these accounts to be removed they are affecting my credit score and i did not authorize of them to be screened
Product: Credit reporting or other personal consumer reports

WELLS FARGO AUTO Inquiry : XXXXXXXX XXXX XXXX I called this company no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account on my credit report is frauds and should not be on my report. A car was financed in my name fraudulently and was not authorized by me I was a victim of the XXXX  XXXX data breach and my identity has been stolen and used back in XXXX. 

XXXX XXXX XXXX