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

XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX STATEMENTS XXXX XXXX DATE PAID XX/XX/XXXX extension XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX EXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX Per these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud, I ask navient to fix the situation and was denied on multiple occasions. I asked navient who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
Product: Money transfer, virtual currency, or money service

XXXX 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 al address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXX. XXXX comply with error resolution requirements under the Electronic Fund Transfer Act 9 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss
Product: Checking or savings account

XX/XX/XXXX, {$550.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 
XX/XX/XXXX {$5000.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 

XX/XX/XXXX - I contacted Bank of America fraud dept and started a fraud claim. 
XX/XX/XXXX - I received a letter stating the claim was not approved. Reason was " we found it was made by an authorized user or someone you gave your online password to '' XX/XX/XXXX - I spoke to BofA fraud dept Supervisor XXXX XXXX and was told to fax the rejection letter to reopen claim. I did so. 
XX/XX/XXXX - Spoke to XXXX and Supervisor XXXX. Didn't see request to be re-opened by XXXX. She said she would re-open request. 
XX/XX/XXXX - Received rejection letter from BofA stating " They didn't receive approval from payee to reverse the {$5500.00} transferred into their account. We recommend contacting the person sent the funds '' We don't know who they are! 
XX/XX/XXXX - Was told claim was denied again, due to the me being affiliated with the outgoing account. Call XXXXXXXX XXXX Fraud dept and ask about the account. 
XX/XX/XXXX - Spoke to XXXX XXXX  fraud Dept. They confirmed NO accounts are in my name, SS #, etc. They had no info on the transactions. 
XX/XX/XXXX - Called BofA fraud Dept ( XXXX ) and told her about XXXX XXXX  response. I asked for documents to support BofA finding. No documents were ever received. 
XX/XX/XXXX - BofA fraud supervisor ( XXXX ) told me claim was still under investigation. 
XX/XX/XXXX - BofA XXXX  couldn't see on her side if a decision was made. She filed a complaint. I asked for a supervisor. She said one would call me back. Never received a call. 

XX/XX/XXXX - I submitted a Fraud claim with the EDD XX/XX/XXXX - BofA ( XXXX ) transferred to fraud dept. On hold for XXXX. 
XX/XX/XXXX - BofA XXXX ( wrong dept, transferred ), XXXX ( wrong dept, transferred ), XXXX XXXXSupervisor can't pull up info ( Transferred ), XXXX XXXX wrong dept, transferred me even though I asked for a manager ), XXXX ( prepaid claims ) passed me to Supervisor XXXX XXXX Re-submitted claim. Said we would be contacted in XXXX. 

XX/XX/XXXX - Was transferred multiple times, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( card/account was closed ) she reopened it. Passed to supervisor XXXX - Claim Denied again. She asked for letter to be faxed from XXXX XXXX stating I didn't have an account with them. We requested documents to support rejection. 

I'm being given the run around. I never authorized the transactions into any account. I never changed my deposit account. Some outside person/group must have hacked their system and changed my info. Then transferred the funds. 

Please let me know what addition info you need.
Product: Credit reporting or other personal consumer reports

Experian 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 or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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. These failures align with my experience, where Experian has neither corrected nor 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 Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts that I have marked as inaccurate : *DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or account. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigated is over.
Product: Debt collection

XXXX - 2018 Amount for {$95.00}. Showed up on my credit pull.
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 Trafficking-Debt 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 Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and delete company information from XXXX. Please delete the following accounts. XXXX XXXX XXXX bal. {$320000.00}, XXXX XXXX XXXX {$5000.00} and XXXX XXXX bal {$8400.00}.
Product: Credit card

On XX/XX/year>, a fraudulent transaction in the amount of {$1100.00} from retailer XXXX XXXX was charged to a card connected to my Amex account that I never had possession or knowledge of. ( Case # XXXX ) I filed a dispute with Amex detailing how I did not authorize, purchase, or receive any products from XXXX XXXX and was unaware that I had an additional card until the fraud activity occurred.

As the case was closed by Amex I was notified that they would be re-debiting the transaction citing that the reason was because I provided the merchant with my financial information.

I attempted to email, chat ( per Amex direction ), and called twice in an effort to resolve this. In my chat session, the agent noted that something was strange about my dispute as it was showing that it was initially debited twice but only credited once. ( I'm not clear on what that means ).

In a phone conversation with an Amex agent on XX/XX/year> I explained that there is another address that gets confused with mine as it has the same address number and nearly identical street name ( mine is XXXX  XXXX XXXX , the other is XXXX  XXXX XXXX ) and that delivery often get mistakenly sent there. I asked to review the picture of the residence the package was delivered to and the agent was unable to provide me with it. I asked if I could send her a picture of my front door to see if it matched and she told me I could not. Her suggestion was to contact law enforcement to claim a theft occurred but I explained that I have no information or delivery information to file a case.

On the credit card statement I attached there are two names. " XXXX XXXX XXXX '' is my Amex card I use regularly. " XXXX XXXX '' is used to reference the additional card I did not have in my possession and I was unaware existed. On the statement you will see on page 4 the transaction for {$1100.00} under " XXXX XXXX '' from XXXX XXXX. On page 3 you will see the credit from Amex for this transaction.

Ultimately, despite my efforts, I am being made responsible for a charge to a card I didn't know existed for a package I never received.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

XXXX money has charged my debt off and failed to provide the information I asked for. I didnt receive how much my debt was sold for. They sold my debt to multiple collectors violating my rights under the FCRA according to 15 USC Showing on my credit multiple times for the same debt. They sold my debt to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. All 3 of these companies are reporting on my credit at the same time causing defamation of character.
Product: Student loan

Application for either XXXX or XXXX has been submitted on XX/XX/2024 and one of them is under review. I have requested status of the application and I should have been placed on processing forbearance which count for forgiveness. Also my employment certification for forgiveness from XX/XX/2024 has not been accounted for.
Product: Credit card

Prosper XXXX XXXX  reported my account thirty days late to XXXX on XX/XX/2024. I contacted prosper to ask them was I thirty days late. Prosper informed me that I made a payment on XX/XX/2024 and that I was only 22 days late due to late fees added on my account ( See attached ). The prosper representative informed me that they would create a ticket and they would remove the thirty day late on my XXXX credit report. I disputed the information with XXXX and once XXXX contacted Prosper about the incorrect reporting they informed XXXX that the information was correct. I have attached a copy of the statement which shows I paid Prosper on XXXX XXXX, 2024. To make matters worse prosper retaliated and falsely reported that I was over my credit limit to further destroy my credit with XXXX. My credit limit with prosper is XXXX and my balance is XXXX. I contacted Prosper and the representative refused to remove the information and later reported in XX/XX/2024 that I was over my credit limit which is incorrect. My credit limit with Prosper is XXXX. My current balance with XXXX is XXXX ( see attached ) I have attached my current statement which shows my balance is only XXXX. Prosper acts like loan sharks. I XXXX be paying a few days late because of a financial hardship but Prosper is retaliating against me and reporting me as if I am thirty days late and reporting that I am over my credit card limit when in fact I am not. Prosper acts like loan sharks. Prosper was calling me over twenty times a day becuase they had charge me two late fees of XXXX which is almost half the amount of my monthly payment. Prosper is refusing to remove the thirty day late and now they have retaliated and reported that I am over my limit even though I am not.
Product: Credit reporting or other personal consumer reports

As I was auditing my credit report on XXXX  XX/XX/2023. I found an error on my report, there's an account reporting as a collection and is still showing a balance. How is that accurate? The credit bureaus is supposed to be accurate. Accuracy is a critical aspect of the credit reporting system because the data collected and shared by credit bureaus directly affects individuals ' financial opportunities, such as obtaining loans, credit cards, and favorable interest rates. Inaccurate information can lead to unfair denial of credit, higher interest rates, or even missed job opportunities, as some employers check credit reports as part of their hiring process - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Child Support I also found unauthorized inquiries on my credit report 3 of them
Product: Credit reporting or other personal consumer reports

This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not contact these companies for the following dates that have been listed with XXXX XXXX which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX  CARD XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT.. 
THIS COLLECTION ACCOUNT - XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I booked 4 rooms with VIP benefits for 3 nights at a XXXX all inclusive resort ( 8 passengers ) and paid {$3300.00} upfront. VIP benefits were key in booking the hotel, as it makes all the difference at that location. 

Once in the hotel, we were prevented from using half of the VIP facilities ( including a private pool ), as the hotel claimed it was not covered in my reservation ( very humiliating ). The reservation was made directly at the hotel website, where it did not mention at all the existence of two tiers of VIP services. There is only one, called LEVEL. 

I made the complaint while at the hotel, to no success. Upon arriving in USA, I made a dispute of part of the total charge, with no success either. 

Although the case is a no-brainer, Bank of America sided with the merchant only because I did stay at the resort. The bank did not take any consideration at all about not receiving services paid for and did not giving me any opportunity to further prove my case. It actually made de decision and just informed me.

I escalated with supervisors at the Bank, who not only treated me with disrespect, but cared less about my case. In fact, one of the supervisors told me " you are free to move your business to another bank '' ( although I am a XXXX customer, have lots of money at the bank, use their credit cards a lot and almost never make a dispute ). 

Banks are supposed to protect us from misleading purchases. In fact, this is part of the contract with credit cards.
Product: Checking or savings account

In XX/XX/XXXX Bank of America has frozen my account after numerous phone calls over the past two weeks to the bank and their fraud department no one can give me a legitimate answer as to why they are with holding my funds. They said deposit fraud but the only deposit made was for {$250.00} does not seem unreasonable or a reason to flag for fraud. I never received prior notice they had froze my account my automatic payments were declined and I now also owe for those payments being rejected due to a major error in the banks security systems within their own fraud department. There is no help, no answers given or explained, and I still do not have access to my funds. I have reviewed all transaction none of them give any reason to be flagged. I had received digital deposit from XXXX and XXXX XXXX  times before these transactions and in the year I have had this account this was never an issue. They lack communication with their consumers and are thieves at best. Their systems are flagging us for no legit/ legal reasons and we the consumers are suffering for it.
Product: Credit reporting or other personal consumer reports

I found unknown accounts on my credit reports. 
- XXXX XXXX XXXX Balance {$1600.00} - XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} - XXXX XXXX XXXX XXXX XXXX {$69.00} I am not aware of the balance amounts for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX on TranceUnion credit report. 
I have not used this credit card for purchases or payments since XX/XX/XXXX. 
The current balance amount should be {$0.00}. 
- XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00}