23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The XXXX of XXXX I paid my last American Express loan installment payment for {$360.00}. The first business day the XXXX of XXXX, I learned that my checking account was overdrawn, I checked my XXXX XXXX  XXXX checking account and learned that America Express withdraw {$360.00} twice both withdrawals had the same payment ID ( XXXX ) and CO ID XXXX Web. American stole {$360.00} from my account. I called American Express Personal loans and reported the issue and requested my money back, the customer service associate informed me that many customers that paid online the weekend of XX/XX/XXXX, there were duplicate withdrawals and that they were working on the issue, to return the duplicate withdrawal. I called American Express back later, because the {$360.00} hasnt been returned yet, another American Express Personal loan associate I had to work with my bank, which is XXXX XXXX  XXXX and file a complaint with them to have the duplicate amount of {$360.00}, returned to my account. XXXX XXXX XXXX was able to get the money stolen from me, now American Express Personal loans says that I need to pay {$360.00}, which I already paid off and should have a XXXX balance. American Express needs to fix my loan to have XXXX XXXX and any Bad credit reporting that they may have caused me. help me resolve this. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Never removed late payments. 
I recently recived a copy of my credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Your company is in clear Violation of the law, Under 15 USC s1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 
Furthermore, the Fair Credit Reporting Act 15 USC s1681 ( 2 ) ( s ) ( i ) Exclusions from a consumer credit report Clearly states.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments accounts from my consumer report, this agency is in violation of 15USCs1681.
Product: Debt collection

XXXX sent an account which is not mine to XXXX XXXX. I disputed the debt, and they fixed the problem and removed the tradeline from my report. Last time I checked my report it is now back on there by another agency Diversified consultants. Same debt, same amount. I do not owe this!! XXXX allowed an order to be placed in my name but shipped phones to an address in XXXX XXXX IL which is about XXXX miles from my home address. This was found out when I disputed the first time. They admitted the phones order was placed online and the phones were shipped to an address other than mine. I complained to XXXX reguarding this and DCI sent me a form to be filled out with XXXX which had been done previously with XXXX and I refuse to do again because a fraud hit on my credit report will hurt more than this tradeline. I am running out of options as DCI are very hard people to deal with. My next options are to report sprint to XXXX, and CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in XXXX I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On XXXX the balance is being reported as {$9800.00} while on XXXX and Equifax the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX asking that they all be removed because I did not request credit with these creditors.. 
Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-XXXX-17 my account has been in good standing & current with all payments. 
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date. 
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as it was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$2200.00} I never had late payments. Take a look on the payment history it shows inaccurate report.
Product: Checking or savings account

My capitol one card was debited on XX/XX/XXXX for the amount of XXXX, onced debited the amount of XXXX was removed from my account available balance. Once the transaction finally settled, it settled for XXXX and i was suppose to receive the remaining amount of XXXX which i have not received to this day
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX pacific time. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.
Product: Student loan

I originally took out a loan through XXXX XXXX under circumstances I was n't properly informed. I began paying them directly after I left college without a degree, slowly but surely. Years later, my service was switched to Navient. Unaware of any ability to stop this, I then continued my payments with Navient. After several years of payments, my principal has n't budged but instead it has increased. Unfortunately, I have not kept any original loan documents and can not afford a lawyer to review my documents. But I have continue try my best to make payments. After suffering a recent job loss, I am now receiving non stop phone calls to phone numbers I have removed from my contact information. My family who was previously listed only as references are now being called repeatedly and receiving letters in the mail. I am sure this is to embarrass me and make me feel pressure to not pay one month late but I never provided Navient any of this contact information. Luckily, one of my family members sent me the letter she received. It appears they have mailed all of my contact information including address and phone number. I am now concerned this letter was also sent to an individual I have a restraining order against and there is no way for me to find out. Please point me in the right direction of any help I may be able receive in this matter
Product: Credit card

I purchased a pallet from XXXX XXXX that turned out to be a fraud company. XXXX XXXX XXXX accepted them as a merchant. I was sent to cheap items no pallet as advertied. 

This explains it all : https : //malwaretips.com/blogs/amazon-unclaimed-packages-scams/ They say they are investigating ; they are stalling and hope I go away. 

They are as fraudulent as the merchant they accepted him
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXXXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$190.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of XXXX XXXX and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate
Product: Credit card or prepaid card

Dear Sirs, I have a problem with 3 credit cards Bank of America with credit cards as two cards and a Discover card too. and I told my girlfriend will pay back my credit card payment and it was a bounce and fake lie to me. I was shocked. I would not pay for it. How could you fix to solve this right away?
Product: Credit reporting or other personal consumer reports

This account CHRYSLERCAP XXXX is not showing on my credit report and it should be it was removed made on a erroring on the lender Side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and NMAC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ), and NMAC with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I took out a school loan of {$19000.00} through MOHELA in XXXX of 2019 for graduate school Recently I checked my credit report on XXXX and saw that its reported that I have XXXX loans of the same amount on the same day ( XX/XX/year> ) taken out by MOHELA in XXXX of 2019. This information is incorrect and it is a duplicate. I currently only have XXXX loan from MOHELA. This is affecting my XXXX XXXX. When I tried to dispute the information through XXXX, nothing was done.
Product: Payday loan, title loan, or personal loan

I have an installment loan with OneMain Financial and am late paying as of XX/XX/XXXX because we have a loss of income through my husband. I have told OneMain Financial that we are trying to catch up but can't at the moment. They have called my work office every day ( dates XX/XX/XXXX - XX/XX/XXXX ) since I have been past due and call 3 to 4 times a day even after I asked to stop calling my office. I have also sent an email directly to OneMain to stop calling my office but the calls continue.
Product: Debt collection

Midland credit management letter was sent XX/XX/year> over XXXX $ debit buyer with a closed account status XXXX XXXX XXXX letter was XXXX over a {$980.00} debit buyer with a closed account status Both were sent debit validation letter requesting assignment contract via certified mail both companies received letters of validation with no response only calls of harassment to collect the closed account status debt
Product: Bank account or service

My business account was closed by Bank Of America without warning and without explanation. I have funds in that account that I do not have access to and very desperately need. Called and they said they can close it whenever they want and do not need to give me a reason as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  account number XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN XXXX XXXX XXXX To whom it may concern, Hello my information was breached and was sold and bought illegally because I was a victim of Equifax Data breach. I have reached out to Equifax many times and I have a copy of where they told me I was breached ( attached ). Equifax has done nothing to help me and I need your help in removing these fraudulent items please from my credit report. 



Please help me by removing these items XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Account XXXX Balance {$5000.00} XXXX XXXX Account XXXX Balance {$6900.00} XXXX Account XXXX Balance {$6300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$970.00} Thank you for your help on these items. Have a good day XXXX XXXX
Product: Money transfer, virtual currency, or money service

3. 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 redressfor these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender is unable to pull credit report as the message says inquiry reported as fraudulent by the consumer..unable to pull credit file I did not place a fraud alert on my account. Had issues back in XXXX with lender not being able to pull my file and equifax claim to fix it. Now this is a new issue. Called and spoke to several customer service agents who said they dont see any fraud alerts. Bank has even contacted equifax business side who referred them back to me calling consumer services who again didnt help
Product: Credit card or prepaid card

XXXX XXXX XXXX alerted me a new credit card was opened in my name. The App reported that it was a Bank of America credit card. Before I could call their fraud department I got a text from Bank of America alerting me my credit card was declined trying to make a {$300.00} purchase. I replied that I did not authorize this transaction.
Product: Credit reporting or other personal consumer reports

I've found again that my credit report has erroneous information for the XXXX  time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX-XXXX-XXXX Re : CAPITAL ONE BANK USA NA # XXXX XXXX To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX with a pass due balance of XXXX I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XX/XX/XXXX i notice two bankrupcy appears on my credit report with XXXX that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with experian but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also transunion is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for 1099-C Form and Correction of Credit Reporting Errors Greetings XXXX, I hope this letter finds you well. I am writing to formally request that XXXX XXXX Credit Card issue a 1099-C form for the account referenced above ( Account XXXX ), which was charged off on XX/XX/XXXX for the amount of {$3700.00}. This debt has since been sold to XXXX XXXX XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), creditors are required to provide a 1099-C form for any debt that has been canceled or forgiven. Failure to do so not only hampers accurate tax reporting but also violates these regulatory requirements.

Moreover, it has come to my attention that this account, despite being charged off, is still inaccurately reported to the three major credit reporting agenciesExperian, XXXX, and XXXX. I mailed this letter off on XXXX XXXX and asked for the 1099-CXXXX XXXX responded by sending my credit statement. This constitutes a breach of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and up-to-date. 

In light of these issues, I request the following actions be taken within five business days : Issuance of Form 1099-C : Please send me a completed 1099-C form for this account so that I can use it for my tax records.

Correction of Credit Reporting : Immediately address and rectify any inaccuracies related to this account with Experian, XXXX, and XXXX. This should include updating the status of the account to reflect the charge-off accurately or removing the account from my credit files if appropriate. 

Please be advised that failure to comply with these requests within the specified timeframe will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further action to protect my rights. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Debt collection

On XXXX XXXX, 2016 I called Gold Key at XXXX and spoke with XXXX XXXX. I asked for the information on my debt and that she send me an invoice as my credit union required that to payoff the debt. XXXX not only was rude to me but refused to speak with my credit union manager, XXXX XXXX, because XXXX told XXXX that verifying me with my d.o.b. was not appropriate for XXXX to do and I had already verified myself. XXXX refused to speak with XXXX. She refused to fax or email and invoice. And ended up lying stating that she would mail an invoice when I was told by another representative that they could not do that. Why would collection agencies compliance policies not allow them to create an invoice proving the payment amount and address?
Product: Credit card

In XXXX of 2023 I requested an increase on my XXXX credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.