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

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # - XXXX. XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable and that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX, claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the US Bankruptcy XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US XXXX XXXX of New Jersey before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding some fraudulent accounts on my file. I was reviewing my credit report and saw that American Student Assistance has placed multiple fraudulent accounts on my file. These accounts are not mine and should be treated as such. I have no knowledge of these accounts and are demanding that these accounts are deleted from my credit report as soon as possible. Furthermore, I am requesting that because you HAVE reported yourself on my report that you submit the following information- May you please send me the original contract proving that I had a contract with you all. Being that this account has recently shown up on my file, can you all provide your chain of title and errors and omissions policy number proving that this company is even certified to collect this alleged fraudulent account. If you can not provide the following documentation to me or support my Identity Theft report showing that these accounts are not mine, delete these accounts.
Product: Debt collection

I received a collection account from you and told you it wasnt my debt but its still on my credit and now affect my ability to buy a house
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX
Product: Credit card

On XXXX XXXX, 2016 we paid {$4000.00} to pay off our Citi Credit card ( last XXXX account # XXXX ) and received a interest bill for {$27.00}. Per statement and agent XXXX at Citi Bank they charge DAILY interest on the account for money owed up through the end of billing cycle and/or the time the payment is processed. The account was paid off based on their information and now they are charging us for money that has already been received by them. 

If they continue with " daily billing '' it will be impossible to pay off a credit card, if of course we paid per their billing statement. 

However, theoretically, even if I sent money and they received the money the same day as our billing cycle begins, they can still bill me interest for the hours or the day it takes them to process the payment. 

So according to their business model and legal agreement, I WILL NEVER BE ABLE TO PAY THE ACCOUNT IN FULL!
Product: Payday loan, title loan, or personal loan

Ever since I filed a prior complaint against Citizens bank, I've suddenly been denied access to their online banking platform. Even if I enter my personal information and account # or go through all steps to recover my account it will not allow it after several attempts, today I called customer service XX/XX/23 they told they me they couldn't unlock my online banking after waiting 30 minutes to speaking with them, then after an additional hold and transfer to the online banking and fraud department, I was told that they couldn't unlock my account and I was told, " am I sure I'd like to be transferred to the department who put the block on my account? ", I replied yes then I was put on hold for another 30 minutes with no reconnection, I'd like the CFPB to get to the bottom of why they can't re-establish / unblock my online banking, and who put this block on my account and why. This is the worst operating bank I have dealt with by an extremely large margin.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally express my concerns regarding Acima handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Acima for the first time to purchase and reporting Acima failed to retrieve funds adequately for payments. They informed me that recovering lost funds through my bank was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Acima has not only neglected to retire the funds stated in the contract immediately and post to the account right away. This lack of accountability and transparency is unacceptable and raises serious concerns about the company.
Product: Vehicle loan or lease

A check payment was deposited on XX/XX/year> and the balance wasnt updated to credit report balance. Not sure who owns the debt it was with a collection agency now the original credit union has funds that were paid to them by the insurance company. Frivolous and misleading inaccurate credit is being reported in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

my student loan is no longer with XXXX XXXX XXXX XXXX. I am now with XXXX DEPT OF ED. But great is needs to get remove from my credit report i tried to dispute it nothing is getting done. The account was open in 2009 {$1200.00} {$7500.00} {$18000.00} {$2900.00} {$10000.00} {$1700.00} {$7500.00} this loan has been consoildated with XXXX so why is it still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

Subject : Formal Complaint Demand for Immediate Correction of Inaccurate Late Payments Violation of 15 U.S.C. 1666b Dear Consumer Financial Protection Bureau, I am formally submitting a complaint regarding an inaccurate report on my credit history by Transunion. Upon reviewing my credit report, I discovered my XXXX XXXX XXXX XXXX Acct # XXXX has been inaccurately reported with the following two late payments XX/XX/XXXX and XX/XX/XXXX, that were, in fact, paid on time. 
Pursuant to 15 U.S.C. 1666b, consumer reporting agencies are required to ensure that all reported information is complete and accurate. The continued reporting of these false late payments is a direct violation of federal law and constitutes negligent misrepresentation of my credit history. 
This account has never been late, and I demand that an immediate investigation be conducted to rectify this error. The credit bureau must update the payment history to reflect the correct on-time status. I have attached a copy of my credit report with the relevant dates highlighted for reference. 
Failure to take immediate corrective action may result in further legal action. I am requesting that the CFPB intervene in this matter to ensure compliance with federal law and that the credit bureau in question promptly corrects this issue. Please provide a written update once the investigation is completed and the inaccurate information is removed. 
Thank you for your prompt attention to this serious matter. 

Enclosures : Credit report with relevant dates highlighted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  and Account # 's XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S. Code 1681 Section 602 A. States I have the right to privacy 15 U.S. Code 1681 Section 604 A. Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I tried to withdraw 1 % of the funds in this account ( {$400.00} ) to have cash on hand due to hurricane season and hurricane Ian concerns and Capital One 360 would not authorize it and continued to place a restriction on accessing my funds even after I called to explain. I told them they leave me no choice but to transfer my funds to my former account. I initiated the transfer and they again, restricted all funds and said the transfers will not go through. I had to call again to complain and explain. This should be illegal!
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to XXXX TRUST was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting or other personal consumer reports

Account name XXXX department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 


Account name Missouri department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 

My accounts are frozen, please investigate further no accounts should be opened under my name. 

Please remove these accounts immediately as I did not authorize these accounts. And they do not belong to me. 


Please investigate Thank you Best and kind regards Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been called non stop from XXXX XXXX to XXXX XXXX  non stop they dont leave messages they just call back to back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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: Payday loan, title loan, personal loan, or advance loan

Service Finance Company offered 0 % on {$10000.00} thru XXXXXXXX XXXX XXXX XXXX XXXXXXXX unit. Service was in XX/XX/XXXX. We were advised that terms were 24 months. 
The promotional rate actually ended at 18 months or XX/XX/XXXX. We admit it was our mistake as we were out of town and did not see XXXX XXXX statement. When we received XXXX 's statement, it was clear the promotional rate had ended. 
I contacted XXXX XXXX XXXX at least XXXX times beginning in late XXXX. It is VERY DIFFICULT to actually speak with a representative and if you are lucky enough to speak with someone, their XXXX is very bad. 
After calling multiple times with no resolution, I called again yesterday XX/XX/XXXX and spoke with " XXXX ''. 
XXXX evaluated the account, acknowledged that I called on several occasions, was aware of my request to pay the remaining balance and waive the interest and said she could help. 
Again, I explained I was calling to make a payment reflecting the remaining balance ( {$3100.00} ) to satisfy the account. She stated the promotional rate could be " reinstated '' because I was well within the 45 days window after the promotional rate ended. The only catch ... .I had to pay {$6000.00} which was the balance PLUS interest. The company would then retro the promo rate and refund the interest. 
I asked why I just couldn't pay the balance in full and the account settled. I stated this would save time and resources. I also indicated that if I had {$6000.00} ( in addition to the {$6900.00} ) already paid, I wouldn't have needed the loan to begin with! 

I asked to speak with a supervisor because this seemed " unethical ''. I had a sense that I would NEVER receive a refund. 
Once again, I indicated I was calling in good faith to settle the account and since they were willing to reinstate the promotional rate, this was a simple solution. I was told all supervisors were busy but was assured I would receive a return call from a supervisor. No call was received yesterday. 

I called again today and spoke with " XXXX ''. I explained EVERYTHING- again. She too acknowledged that I called several times. Today I was determined to submit final payment since the statement due date was XX/XX/XXXX. 
Once again, I stated I was called to pay the loan in full since I am within the 45 day window of expiration, thus the promo rate should be reinstated and the account would be completely satisfied. 
XXXX accepted my payment of {$3100.00} with an auth # XXXX. XXXX stated that a request to settle the account needed to be sent to a supervisor and I needed to call back again on Friday to be assured that the promotional rate would be extended ... .why? 

Since I have already submitted multiple requests, it would be greatly appreciated if you would contact this company, XXXX XXXX XXXX ( XXXX Option # XXXX ) on my behalf to assure the account is satisfied. 

Thank you so much. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XX/XX/year>XXXX XXXX XX/XX/year>
Product: Credit reporting 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 : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX Bank Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX Dept of Soc XXXX Svc. Child Sup 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 card or prepaid card

I purchased a $XXXX bed from a local furniture store. They offered a card with zero interest for 1.5 years and then it would convert to a high interest. What I experienced after the 1.5 interest free period is 1) not clear or not disclosed at the opening of the card or while paying on the account 2) is INSANE interest, back interest (that wasn't disclosed) as well as a DAILY compounding interest moving forward (also not disclosed). The second the 1.5 year interest free period was up...WHAT I EXPECTED: Interest would increase to very high, like around 25%.WHAT ACTUALLY HAPPENED: (1) BACK FEES in the amount of $XXXX   applied, essentially charging interest for the 1.5 years that it was interest free.     (#2) a DAILY Compounding Interest rate of 30%. In talking to the phone agent...if I paid the minimum balance on that card, I would have seen nearly $10k in interest added to this account in just the first 12 months after the 1.5 interest free period was over.What this means is on the original $XXXX bed purchased that was to be interest free for 1.5 years at 1.5 years and 1 month the amount owed including their back interest was $XXXX and if I would have paid the minimum for 12 months then at the 2 year and 6 month mark with the added DAILY COMPOUNDING RATE the amount owed would be roughly ($XXXX   original purchase + $XXXX back interest + $XXXX for the 30% DAILY COMPOUNDING RATE = $XXXX!!)DO NOT GET A LOAN with Brandsource for any furniture and if you do you should be SURE to pay it 100% off at least a month before the interest kicks in.
Product: Mortgage

Bank of America had an event for Home owners in trouble with their Mortgage.I drove XXXX hrs to attend the event.My wife went from unemployment to part time to full time on her job.I am an Veteran on XXXX XXXX. The first agent we had was XXXX XXXX we explain to him we wanted to apply to the unemployment fund.We kept sending the paper work that she was receiving benefits.The Bank said we was not sending the right paper work, That was the only paper work we had.We went to my wife` retirement plan to with draw XXXX payments to catch up on the mortgage payments. Now instead of helping us we went back into the Bank` pool. case closed.We receive a {$5000.00} XXXX Bill from water and power.I went to the event where we receive XXXX XXXX for our agent we sent in all paper work that was asked for.The help we receive was visits from people from the Bank looking at our home.Our neighbor making sure we receive the letter from from Bank of America than calling someone.Someone in this neighbor works with Bank of America and is watching our Mortgage payments.We have reach out to home save California where they found a Tax Lien now payments are being made for XXXX a month. that we are making so we are waiting for them to help us.What I don`t understand is why the only help XXXX XXXX says we can receive is a Short Sale on our home.
Product: Debt collection

I have no knowledge of this account and request it gets removed from my report.
Product: Student loan

I have been working with Mohela to apply for the PSLF program and they received my original application on XX/XX/XXXX. They did not input the EIN correctly and denied my application. I received not follow-up from them. I called to see why it was not approved and they told me what happened so the resubmitted the form on XX/XX/XXXX. I did not receive any follow-up from Mohela so I called again after the processing time they had quoted. First I was told I had to call my current loan servicer to ask them to transfer to loans to Mohela. When I called the other company they told me this was not correct so I had to call Mohela back. They looked at my account again and saw that the resubmitted form did not have an EIN this time. They resubmitted the form a third time ( XX/XX/XXXX ). I received no follow-up from them so I called again. This time my form was marked as a duplicate form in their system so again was just going to sit there with nothing happening. This time they said the problem is that my loans need to transfer to them before they can process the application. I am still at the beginning step of this process even though my initial application was submitted almost a year ago. I have been told ( although I don't even know if this is accurate at this point ) that my loans need 60-90 days to transfer and then they will start processing my application which will take 30 days. It won't be until that point that I will be able to know the number of qualifying payments I have. I am trying to determine financial decisions based on this information and in the meantime will be paying them interest while I wait for them to sort through their mistakes. It is unacceptable that this process should take over a year to complete and that I have to initiate with them so many times to correct errors on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions.

I would like this account to be deleted from my credit report immediately