23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Ive tried on numerous times in the past- so many times ( can be verified per my Navient and XXXX XXXX account ) to negotiate with either Navient or XXXX XXXX in regards to lowering my interest rate. Ive also attempted many times to apply for programs ( IBPR/ is one ) that would help me pay off my account, To no avail - I was told for 2 years they could not find my account???!! I need to negotiate to the lowest payment ( minus all the accrued interest ) and pay this loan ( consolidated now ) off before I retire. HELP me.
Product: Credit reporting or other personal consumer reports

I just looked on my credit report from Equifax on XXXX XXXX I saw some hard inquiries that did not have permissible purpose I also attached evidence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to delete the old addresses that do not belong to me on my XXXX and Transunion credit reports. 

The following addresses are on my Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX BOX XXXX UNIT XXXX APO, AP XXXX The following addresses are on my XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been sending the attached proof of address for over 6 months with dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting false information on my credit reports. They are reporting late payment and charge-off accounts that do NOT belong to me. 

LATE PAYMENTS : 1 ) XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX CHARGE-OFF ACCOUNTS 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX
Product: Checking or savings account

Bank of America is retaliating against me for placing the initial consumer complaint. As a result, they have frozen my account. When I attempted to use my account on Sunday, XX/XX/XXXX, the retail representative said that this card has been reported stolen. I immediately contacted Bank of America and spoke with XXXX, ID XXXX, he informed me that my accounts were frozen. He advised that a letter was mailed to me on XX/XX/XXXX, As of XX/XX/XXXX at XXXX, I have not received any notice. 

I attempted to access my account online and it advised that the User ID is no longer valid. I called Bank of America again, an a representative created a new user ID for me. With this new user ID, I accessed the account, and transferred the funds out of it. I also was able to download all of the account activity. 

Currently, there are balances in my Bank of America accounts but they froze my account, and prohibited me from transferring funds out of it, and is charging banking fees of {$29.00}. I went into the Branch located at XXXX XXXX XXXX, XXXX, MD XXXX and discussed this matter with the Branch Manager. She attempted to assist me but informed me that the account is in frozen status, and she will not be able to do anything on the account. She informed me to contact the Risk Department. 

I contacted the Risk Department at XXXX and provided them the answers to their security questions. After doing so, the Agent XXXX advised that she is having trouble authenticating the account and informed me to go into the Branch to gain access to the account. I informed her that I was at the Branch and the manger advised that I need to get in touch with the Risk Dept. 

While still on the phone with XXXX, I went into the Branch at XXXX XXXX XXXX, and handed the phone to the Branch Manager. The Branch manager, provided the representative her information, and the representative advised that she will not be able to speak with the Branch manager. 

I will like my funds returned to me immediately, Remove the fees that you have charged my account, and provide me interest on the funds that I did not have access to.
Product: Credit reporting or other personal consumer reports

Dear SYNCB/TJX CO I am writing to you again in disbelief that SYNCB/TJX CO would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how SYNCB/TJX CO irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that SYNCB/TJX CO furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like SYNCB/TJX CO. See , e.g., XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes SYNCB/TJX CO to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate costumer service and unfair practices, which violates 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss and I seek appropriate redress for these actions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX.I have not had financial responsibility on this XXXX XXXX XXXX XXXX XXXX XXXX. XXXX passed away in XXXX of XXXX and now XXXX  XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.
Product: Credit reporting or other personal consumer reports

I do not authorize these inquiries pulled from my credit report, please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : XX/XX/XXXXXXXX XXXX
Product: Debt collection

I noticed that First Point Collection Resources has posted private medical information to my credit report without my consent, which now has been viewed by multiple parties I did not want to share this information with which has been to my detriment. I didn't even believe it was my medical record, but they recently sent me correspondence showing an itemized bill that was mine ( which was also shared with CFPB ). I am shocked that this was shared with all inquiring creditors since the date it was added to my credit reports. This is a violation of my HIPPA rights, and I ask that this be immediately removed from my credit report before anyone else comes across it.
Product: Debt collection

This company sent me a letter saying I owe a debt after already placing it on my credit report. I have no knowledge of this debt. The letter they sent me only shows XXXX XXXX XXXX for {$530.00}. I have no idea what this bill is for I have no knowledge of it. This is not my debt. My signature was not provided to me as requested. This company failed to provide me proof This is my debt. I have no contract or business with This company
Product: Money transfer, virtual currency, or money service

I've been attempting to pay seller, XXXX XXXX, I believe is the name using my Paypal account, XXXX several weeks now... I've attempted to use several different cards including credit and debit, the error message states, " Card cant be used for transaction ''.. Different amounts were also attempted, same error message received. The seller, is selling off a site called XXXX similar to XXXX and other marketplace sites. Paypal reps given various reasons for error including " Internal security error '', " bank declined transaction '' in which case, banks do not show card attempt.
Product: Checking or savings account

My checking account with Capital One was closed without any notice to me at the end of XX/XX/. When I contacted them in early XX/XX/, I was told by a manager that my account was in violation of their terms. The manager would not explain to me what the violation ( s ) were. I am XXXX and had set up my XXXX check to be deposited directly into the account. The last such deposit was made into my account for XX/XX/XXXX XXXX  Social Security XXXX XXXX. Since they closed my account, I have not had access to any of my money from my XXXX payments that had been deposited directly into the account. They are holding almost {$5000.00} from my XXXX deposits and haven't returned them to me. This has prevented me from being able to buy medically necessary medications and it prevented me from being able to pay rent resulting in ongoing financial devastation. Their employees have been beyond discourteous when speaking to me and very unhelpful. Ive been hung up on multiple times, had to listen to screaming in the background, lied to and sent a fraudulent check that bounced twice and for which I incurred multiple return check fees. Initially I was told that I would obtain my funds was when they mailed me a check 45 days from the date the account was closed. That never happened. As of todays date, I have been lied to multiple times by Capital One telling me that theyd mailed a check to me beginning in XX/XX/. This was not true. After my second complaint to your agency for the same matter, a Capital One representative had delivered to me a cashiers check via XXXX on XX/XX/XXXX. I deposited the check and it bounced twice and I have incurred two {$24.00} returned check fees as a result of their issuing me a bad check. I still have not received the monies that they are holding from multiple XXXX deposits. I have suffered extreme and repeated financial and psychological abuse from Capital One 's actions : refusing to return my funds to me, lying about checks being mailed, and gaslighting me by trying to tell me that they werent responsible for the check bouncing when they knew or should have known that they'd sent me a bad check. This is a FDIC regulated bank. All of these conversations have been recorded by Capital One. I believe that Capital One has violated State and Federal Laws by all of its actions towards me. Their actions have resulted in extreme undeserved harm for me and are a violation of my rights under law. I believe they feel they can get away with what they have done because I am a XXXX XXXX female and I believe they have acted in a discriminatory way towards me because of that. I am asking for assistance from your agency with this matter. IMPORTANT NOTE : I am a XXXX XXXX XXXX XXXX and it is very important that I am safe. I take measures to achieve that to the best of my ability. I ask that your organization not publish my full name and any of my contact information to the public and/or identifying information.
Product: Credit card or prepaid card

XX/XX/2022, I applied credit card at XXXX Santander with XXXX XXXX Relationship Banker, I never received the credit card and I reported from the beginning lost it, but the Manager XXXX XXXX said to give it more time for the Credit card and not action was taken over the credit card. I reported not having access to see the account in my mobile app, they said they will call back but never heard back from the Bank. The credit card was supposed to be mail to my address but was received at XXXX XXXX XXXX XXXX NY XXXX that was my old address. XX/XX/XXXX I was able to see the credit card account through my mobile banking and found out that thousands of dollars of fraudulent purchases since XX/XX/2022. I reported XX/XX/XXXX to the main phone number of XXXX Santander the fraud and theft the instructed me to wait for the response. After that, I went to the branch directly many times and case was consecutively closed due to incongruencies, and finally the XXXX XXXX Bank told me that nothing else can be done. During this ordeal I reported to FTC Report # XXXX, put a fraud alert on my credit reports and got the Police Report FRM XXXX - Complaint # XXXX - XXXX XXXX. The bank responded me over the phone in the month of XX/XX/2022 saying that they will re-open the case and will send the response of the investigation but I haven't received it. They didnt follow the credit card lost and stolen procedures to cancel/block the credit card affecting my finances and credit. I got free legal advice from XXXX for XXXX and they sent a dispute letter to the Bank XX/XX/2022 but still we haven't got any response.
Product: Credit card

On XX/XX/XXXX  I received notification from Chase of a new credit card being sent to me. On XX/XX/ I contacted Chase and told them that I did not apply for this credit card and requested it be closed and that the information used to open the account be provided to me. I also contacted XXXX and reported the Fraud so they could lock my credit and notify me if anyone tried to access my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to Equifax that they are reporting an incorrect balance for XXXX/XXXX. They are not updating this account monthly as they should. The balance on this account is {$0.00} not the balance that they are showing in the amount of {$93.00}. Please update this account to show the correct balance.
Product: Debt collection

My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a closed XXXX XXXX XXXX account for late payments as well as dropped credit score XXXX point in less thank 30 days ... also reported amount was {$500.00} and then {$200.00} I called XX/XX/2022 they corrected it by XX/XX/2022 then reported the same information causing XXXX XXXX to drop I disputed twice XX/XX/2022 and XX/XX/2022 asking to remove late payment due to accout being paid in full and not being late information reported was false
Product: Credit reporting, credit repair services, 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 XXXX XXXX  Bank Account : XXXX, Account name : XXXX XXXX  XXXX Account : 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 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: Credit reporting or other personal consumer reports

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

XXXXXXXX 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

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Fraudulent Charges {$29.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> I am submitting this complaint regarding inaccurate and unverifiable information on my credit report. Please delete these accounts from my credit report within XXXX  days of receipt of this letter or provide the method of verification.The account details in question are as follows : Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX account # : XXXX Account Name : XXXX  XXXX XXXX Credit Card account # : XXXX I previously disputed this account with Experian, but the information remains on my credit report without adequate verification. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to know the methods and sources used to verify this information. Despite my request, Experian has failed to provide : The source ( XXXX ) of information used to verify the disputed account. 
Documentation or evidence supporting their verification. 
A detailed explanation of their verification process. 

Please provide the above within XXXX  days of receipt of this letter or delete from my credit report. The failure to verify or remove the disputed information violates my rights under the FCRA. I respectfully request the CFPBs assistance to : Ensure Experian provides the requested verification details, or Require Experian to delete the unverifiable account information from my credit report. 

I request this item be deleted from my credit report under the ( FCRA ) 611. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 

I have attached a copy of the items claimed to be verified, along with my previous FTC report also my drivers license and copy of paystub for address verification. 

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

Dear Sir, The Loan ( XXXX XXXX  ) Monthly Payment to LightStream was missed for the month of XXXX due to XXXX Internet Outage  in my area. I have made the payment and due to internet failure, i was disillusioned that the payment was successful. I share the XXXX Outage report but didn't hear any positive result from LightStream and they still maintain the negative reporting to Credit Bureau. 

I have spend several hours and talked to many agents and the people up to Vice President but it turned out to be a fully unsuccessful attempt and rather felt tortured and disrespectful. Unfortunate that in this whole organization there is not even single folks up to the vice president who can understand my situation where i wasn't completely at fault. This accidental internet outage which wasn't under my control. 

Due to heavy impact on my score, it keep me unable to approve the education loan for my son. 

Please help and have Lightstream understand my situation and have remove the negative reporting. FYI.. I have been a Loyal customer of Light stream for about XXXX  months and hav n't missed any payment so far except this accidental One. 

Thank you so much, Please Help! 

Best Regards, XXXX
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, 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.