23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX My Social Security income was suddenly decreased. I called Bank of America for # XXXX. They said my problem was to maintain shelter and food. The card was closed on XX/XX/XXXX. It has been 7 years, but they decided to put it on my credit report again, knowing I am XXXX XXXX XXXX  XXXX. That is a continual hardship for which I have no solution. Bank of America has gone to court with the government and received a mere " slap on the wrist '' for the way they have treated customers. This account was charged off, is over 7 years old, and should not be listed on my current credit report for XX/XX/XXXX.
Product: Checking or savings account

The entire time I had my account in XXXX XXXX XXXX XXXX XXXX they constantly charged me Overdraft fees even when I did not overdraft my account they allowed money to come out of my account without my permission
Product: Checking or savings account

I have received 3 cashapp debit cards for accounts I did not create. When I try to speak to a supervisor for help employees refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX/EQUITY PRIME MORTGAG add a hard inquiries on my credit reports per XXXX  ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Student loan

Loan Origination/Information Date ( s ) 1 ) XX/XX/XXXX for {$24000.00} with an interest rate of $ 13.5 % over 180 months. 
Balance is now {$41000.00} XXXX ) XX/XX/XXXX for {$25000.00} with an interest rate of 11.375 % over 180 months, Balance is now {$36000.00} I'm still in school ( had XXXX XXXX in XXXX causing me to miss quite some time ), and had no idea they began charging interest immediately. My major is XXXX as a XXXX XXXX, and I'm taking one class, and am a XXXX XXXX currently. I will be a XXXX XXXX for the XXXX XXXX to complete my education. My grandmother is the co-signer of the loan. She is XXXX, in poor health and on a fixed income, and is XXXX XXXX XXXX  When She calls in, she can never get through the verification process, and Sallie Mae will not help me unless they speak with her ( she's in Tennessee, I'm in Maryland ). I CANT AFFORD this much money for ONE YEAR of college, and I have requested several deferments but get declined. They are reporting me as delinquent to the credit bureau ( went from a XXXX to XXXX in one night ) -- they are ruining me financially. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Not investigating disputes properly believe a credit repair co was using my information to establish false identities to retrieve fraudulent goods with my information now this company has not been following the law following my disputes
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I request the removal of all unknown addresses associated to identity theft XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT : XXXX Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your. 
I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
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 Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Customer 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 redress for these violations.
Product: Mortgage

On XX/XX/XXXX : principal balance is {$27000.00}. I made a monthly payment of {$940.00} on XX/XX/XXXX coved the interest {$110.00} for XXXX. 
On XX/XX/XXXX : principal balance is {$27000.00} On XX/XX/XXXX I made a payment of {$27000.00} ( XXXX + XXXX ) {$27000.00} - {$27000.00} = {$32.00} XXXX on the above calculation, I've already paid off my loan and also overpaid {$32.00}. 
However, Mr. Cooper sent me a payoff quote for additional {$110.00}. Deducting the {$25.00} recording fee, I was overcharged for {$120.00}.
Product: Debt collection

I am being repeated contacted to pay a debt that is invalid. Dynamic recovery solutions is claiming I have an outstanding debt that is over 9 years old and completely invalid. They can provide no documentation that I have incurred this debt, but continue to harass me.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the reporting of late payments on my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. 

Upon reviewing my records, I have not been delinquent on my payments, and this discrepancy is causing a negative impact on my credit score. I understand the importance of maintaining a positive credit history, and I am eager to rectify this situation promptly. 

XXXX XXXX XXXX I kindly request your assistance in investigating and correcting the late payment entries on my credit report. I have attached copies of my payment statements for the relevant months, which clearly show that I made the payments on time. 

I understand that errors can occur, and I appreciate your prompt attention to this matter. I kindly ask for your cooperation in correcting my credit report as soon as possible. Additionally, I request confirmation in writing once the necessary corrections have been made. 

Thank you for your understanding and cooperation in resolving this issue. I believe that with your prompt attention, we can rectify this matter swiftly and ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX acct # XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting

On my credit reports it is showing XXXX different company names XXXX and on the other FINGERHUT/WEBBANK. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XXXX/XXXX/12 and the other is showing XXXX/XXXX/12 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, XXXX, AND EQUIFAX.
Product: Credit card

I called Valley Bank requesting a rewards redemption check. Their representative said the points had expired and that an e -statement had been sent to me notifying me to use them prior to expiration.

I have never opted into e - statements and did not receive one. I told them i always get paper statements and had never received any such written information about using or losing them. 
The bank rep said the account was switched to e - statements a few months prior but could not tell me who switched the account and could not rectify the problem.
Product: Checking or savings account

A friend of mine wired {$1000.00} into my account on XX/XX/18 - and Wells Fargo charged ME a {$15.00} " wire transfer '' fee! 
I'm quite sure WF charged my friend a transfer fee as well ... but why would they charge ME a fee when HE initiated the transfer!? 
What scumbags these people are ... Wells Fargo 's recent {$570.00} million fine has obviously NOT deterred their criminal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any time I try to pull my credit on any websites it is unable to verify me. I know for a fact that I have credit history but any time I try to run a report online or in person it is unable to verify my information. The auto dealer shows that I have no credit history. I know for a fact I have credit history as I have paid an auto loan for 6 years and had a credit card in my name for 8-10 years. I have tried reaching out to my bank ( XXXX ), experian, Equifax, and XXXX and nobody has been able to help me. My bank told me that my address might be flagged for some reason. This issue is stopping me from doing things in my life.
Product: Credit card

I am disputing the date Synchrony Bank ( CareCredit ) credited my account resulting in the expiration of a deferred interest period. The date the transfer was that was made on XX/XX/, the last day of the expiration of the deferred promotional interest period. The balance amount of the transfer was {$6200.00}. This transfer was completed and owed to XXXX XXXX on XX/XX/, as shown in my statement from them. Synchrony Bank didnt post or credit the account until XX/XX/ thereby initiating the deferred interest to be reapplied to the account. 

The payment was made on the XXXX, or sooner, by XXXX XXXX on my behalf. Major problem here is that I had the same debt owed to XXXX separate creditors on XX/XX/. Which constitutes being double billed for the same debt or balance on XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a loan with Bankers Healthcare Group LLC in XXXX of 2021 I was denied for unknow reasons didn't receive adverse letter until day 30. So I applied for another one of their products which was a business credit card I was also denied saying they couldn't verify my identity which is untrue because my personal and business credit was pulled by XXXX  that caused an hard inquiry on my credit report. 

The reason given for the credit card application was " unable to identify my identity '' and was told to call XXXX, which I did and they said there was no reason for the company not able to identify me because all my personal information is up to date. 

So I feel that the company is violating my ECOA because they are not giving my a vailed in-depth reason for the denial so I can fix the problem to reapply in the near future.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint stating that I did not give written permission for this account to be furnished on my account, and it came back that i did give written permission for them to furnish this account. It was deleted from my XXXX credit report and also my XXXX account, but it was not deleted from my Experian credit report. I'm asking once again to have this deleted from my Experian account as well because I did not give any consent for this to be furnished on my credit report. I have attatched evidence of it being removed from my other reports. 

In accordance with the Fair Credit Reporting act 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: Student loan

I offered to pay a lump sum of $ XXXX to discharge my loan. The agent laughed at me and said there was no way that would happen. 

I have never made more than $ XXXX since graduating, with multiple bouts of unemployment. I have struggled to repay this loan and the initial loan was $ XXXX, it is now at $ XXXX with interest.
Product: Credit reporting or other personal consumer reports

this debt is from XXXX when my mother was a primary on the phone bill and she passed away during XXXX and the debt was transferred to me and passed around between collecters. this debt does not belong to me and is ruining my chances of getting a car, a home, or a future in general.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have the account corrected and updated. 

XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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 inconveniences and financial losses, and I seek to appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Citi XXXX Visa card. In reviewing the application and approval emails from Citi there was no mention of annual fees. In the approval email I received on XX/XX/XXXX, there is a link card benefits. On that linked web page, the phrase annual fee is mentioned only once : there is no annual fee. On XX/XX/XXXX I was charged {$60.00} for an annual fee. 

Citi charged annual fee without divulging that an annual fee was associated with the card. Rather, their website leads one to believe the opposite - there is no annual fee. 

On XX/XX/XXXX, I sent a certified letter to Citi addressing this matter. On XX/XX/XXXX the letter was delivered. They have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$260.00} 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 have read and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

After attempting to join the United States XXXX XXXX, I was informed by my recruiter that i have a collection agency that I owe Money to. My recruiter then faxed me a copy of my credit report, that stated I had an unpaid debt of {$420.00} to XXXX, that had gone into collection. The problem is I as well as my family have never owned a XXXX phone, or used there service for ANYTHING. I am a XXXX year old male, and the report states that the debt owed went into collection in 2013, at which time i was XXXX about to turn XXXX. A minor can not buy or even apply for these services at that age. In conclusion due to the fact I have an outstanding debt for a service I have never used, my application process to the XXXX XXXX has come to a complete halt, and can not resume until this debit is taken care of.
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 Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX have 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

Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX