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

There is information from XXXX XXXX  ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXX XXXX  immediately. 

*I have attached a copy of my ID *Social security card *Identity Theft Report ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is reporting someone else 's debt on my credit file and is damaging my credit Collection company name : CBE GROUP INC-FORMER
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Just bought a car and before I could plate it I was in an accident not my fault the other insurance company took for ever to settle with santannder they continued to charge interest on the vehicle loan which I was also still making payments on also I have ask them to wave the interest since they were the ones that settled with the insurance but still were charging me until they got the payment also they said it was for the warranty that obviously was not needed again didnt even have the vehicle 30 days I would like it removed from my credit
Product: Credit card or prepaid card

I have had two capitol one credit cards for a couple years now. I have been on time with all of my payments this last year even through Covid. I had a couple returned payments from capitol one to my bank because of insufficient funds but i took care of these each time before my payment was due and was never late. i was having issues because of Covid and was struggling. now the company has closed my accounts without a warning or anything. i called them and they did a 10 day investigation and still decided to close. i feel like i was treated unfairly because i didn't get proper warning before the closure and when i talked to customer service they were rude and looked down on me for going through a hard time financially. i don't have the best of credit and all they said was all i had to do was apply again however i don't qualify anymore. i was building my credit with these cards now how am i supposed to do that. I explained that i have a great job again and these issues wont happen again as they did not before covid but they did not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/XXXX and XX/XX/XXXXand havent gotten a response or anything in writing from none of the XXXX credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block, inc. ) due to inadequate customer service and and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed personal information that should not be furnished on my consumer report. I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. 
they are in clear violation of theese laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ),
Product: Checking or savings account

Case number XXXX I recently filed a complaint here about TD bank handling a dispute in my checking account. I received a call and the rep told me they will look into the dispute. After several weeks, my CFPB complaint was closed stating that I did not submit documents that they requested ; which there was an image that I uploaded with the complaint showing that I fax the information over to TD representative on XX/XX/XXXX. The image will be attached along with a letter I received dated XX/XX/XXXX. I then receive a letter dated XXXX XXXX stating that {$5700.00} credit from my disputed amount was made final and credited to my TD account. To date XX/XX/XXXX, NO SUCH FUNDS WAS CREDITED. I called several time and was told they will look into the situation and its been 30 days with no response. I don't know what is going on but I'm starting to lose trust in TD staffs and would like for you to take a look at this situation. why lie and say I did not submit documents when I faxed them over. Why lie and say credit was made final when no credit was given? I need answers.
Product: Debt collection

XX/XX/XXXX I sent a dispute letter to XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing is reporting erroneous lates on my credit file. I have a mortgage through them that is being paid by my ex-wife under the divorce decree. At some point in time the loan did go delinquent but i was not aware. As the loan is under my name i would expect Select Portfolio Services to give me a call when the account does go delinquent or any other issues occur. I was never contacted about the delinquency and was unaware of the delinquencies until i recently checked my credit file and noticed the lates. I am very disappointed by the fact that Select Portfolio didnt contact me about the lates as this is on MY credit file and they affect MY credit score. I never received a call, letter or notice from ether my ex-wife or Select Portfolio Services. I need these lates removed. These are not my lates.
Product: Credit reporting or other personal consumer reports

I would like for Transunion to remove XXXXXXXX XXXX  account that was open XXXX to be removed from my account. This account was paid in full and is showing as a negative balance. Remove account from my credit report as this is holding me back also XXXX XXXX is reporting 67 Late payments, which is an accurate. This is also violating my rights under. 
U.S code 1666b please remove all late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to Equifax pertaining to XXXX " XXXX XXXXXXXX XXXX XXXXXXXX '' accounts ( amounts {$3500.00} and {$6000.00} ). Equifax response to my validation request was I quote, " The disputed item is not currently reporting on the Equifax credit file '' and quote. Confirmation # : XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, my wife obtained an identity theft police report for both XXXX XXXXXXXX XXXX XXXXXXXX accounts as well as other accounts, XXXX Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to Equifax, XXXX and XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, I called Equifax to inquire as to the continued reporting of the XXXX XXXX XXXX. Of XXXX accounts. After being transferred several times and on hold XXXX. and XXXX mins. the supervisor would not answer my questions as to their legal authority to continue reporting these XXXX accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX hr. XXXX mins. XXXX seconds, See Attachments. Complaints : XXXX. Equifax did NOT validate the XXXX XXXX XXXX. Of XXXX accounts. XXXX. Equifax said the XXXX accounts in question were NOT reporting on my credit file. XXXX. Equifax continues to report the unverified accounts after receiving the police report via certified mail. XXXX. Equifax has requested I contact the creditor for debt validation. XXXX. Equifax has blocked me from accessing my Equifax account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : XXXX has also failed to delete these XXXX accounts from my file. I received a letter from XXXX ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my XXXX account online the debts were still reporting therefore, this complaint also applies to XXXX. 












Date : XX/XX/XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Website : XXXX // XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Paid only one payment of 3 of ( XXXX ) Payment Method : Credit Card Subject : Defraud Company posing a people that can help you get lower rates on student loans. I spoke to the representative and based off of my financial issues they guaranteed a payment of XXXX dollars with current provider XXXX. 

They asked for 3 payments of XXXX. Of which I paid XXXX payment. Their loan specialist would then work with XXXX to lower my student loan payments. 
Their partner processing company XXXX XXXX asked for my last year tax statements and two recent pay stubs. 

About two weeks later they sent me a mail saying that they lowered my payments to {$1300.00} ( The initial payment was XXXX dollars ) and they would have a renewal rate confirmation coming from XXXX XXXX the loan provider ) within XXXX days. 

This immediately struck me because I they gave me a number to reach and it could not recognize my SSN through the XXXX number to cross verify what was talked about. I was not able to reach anyone so I called XXXX directly. 

I ended up Talking to a representative at from the number listed on XXXX 's site and found out that that the number The Student Loan Help Center provided was false and they never at any point reached out to XXXX on my behalf. 


The company guaranteed a rate of XXXX payments and after the payments for 10 years the loan would be forgiven over the phone. 

I also spoke to XXXX the only way that a loan could be forgiven was if I worked for a full-time non-profit Or was a teacher at a title 1 school. 

I have since then I negotiated with XXXX on a payment plan and stopped payment to XXXX XXXX XXXX XXXX XXXX for misrepresentation services. 

I have also recieved a deliqent payment mail from XXXX XXXX XXXX XXXX XXXX / XXXX demanding payment within 7 days or they are going to file for collections against all three credit bureaus and also file a report to the IRS. 

So I have have filed a claim to the State of Florida Attorney General, The Federal Trade Commisson, Created a new ID on FASFA, Filed a claim to the Dept of Edu, and notified all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XXXX XXXX  until XX/XX/XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.
Product: Vehicle loan or lease

I have Chrysler Capital for my financing, when I had mentioned in XXXX financial hardship due to covid they offered to defer my payments. Which I was happy since its {$800.00} a month. This was about 2 weeks before XXXX and it was fighting tooth and nail to have this done. They agreed for XX/XX/XXXX for me to resume full payments as long as i paid {$200.00} by XXXX. Which I was a week late. however I went to check my credit and noticed not only did my original loan amount change from $ XXXX and some change but it significantly increased to over $ XXXX of " original loan amount '' which is fully incorrect. I then dug a bit deeper and noticed they also took my robbery of 15 % interest to 17.2 % and neglected to verbally even tell me either was changing. So by me having this deferred during these hard times they went ahead and found a way to extort me out of more money. This is my only high bill I have, I have good credit actually in the XXXX the entire time and they decided to try and extort me. I really would love and appreciate this to be fixed and for all buyers to beware of how crooked CHRYSLER CAPITAL is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Money transfer, virtual currency, or money service

Unfair notice/disclosures due to Zelle/money transfers XXXX
Product: Bank account or service

XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of opened account at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquires 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft victim. this has been going on for sme time now. 

U S bankruptcy XX/XX/XXXX this is not mine. 

XXXX XXXX XXXX {$370.00} opened XX/XX/XXXX. not my account. THIS IS FRAUD
Product: Debt collection

The company Aargon Collection Agency was calling me many times to pay a medical debt, I was paying month by month and almost to finish the debt we made a payment agreement which was made in the month of XXXX, however the Aargon agency has continued withdrawing money of my card without authorization for a debt that I supposedly do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection reporting from XXXX XXXX which is reporting, I requested documentation to show me what this is. They didn't provide me with anything showing that this is my account or the amount is accurate. I have gone above what is recommended to get the information from them. 

I also requested an investigation into this matter with XXXX & XXXX they both removed this since it is inaccurate.
Product: Debt collection

Back in XXXX I saw this company on my credit report. I have disputed them with all three for information on my credit reports. They removed it from one but its still on two. I dont know this company, and I asked for debt verification A signature, proof showing this account belongs to me. The credit bureaus are allowing them to keep updating information instead of removing this from my credit file. I put down FCRA law codes etc. I want a debt verification or remove this from all credit reports asap.