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

I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Mortgage

We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & XXXX EQUIFAX XXXX XXXX XXXX & FRAUD ) EQUIFAX VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I AM VICTIM OF IDENTITY THEFT AND FRAUD. 
PLEASE REMOVE THESE INQUIRIES, THEY DO NOT BELONG TO ME. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND TO DELETE THESE IDENTITY THEFT FRAUDULENT INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY! 




FTC REPORT # : THE POLICE REPORT # : XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Student loan

My issue is with Edfinancial. I requested the refund of a {$7000.00} payment I made towards my federal loans on XX/XX/2022. This request was made on XX/XX/2022. Since then, I have gotten a lot of different, incorrect information about the time it takes to process the refund. Now this week I finally managed to have them reinstate my balance and they confirmed the process was complete. However, they mentioned that StudentAid is responsible for refunding the money once it is processed. I just contacted StudentAid and they denied this information saying that the loan servicer is entirely responsible for handling the loan and refund. So right now, it shows that I owe {$7000.00} and I never got the {$7000.00} that I already paid. I am freaking out because that is the worst possible scenario. Edfinancial have been terrible mishandling this and they keep giving me false and misleading information. It is the worst customer service I have ever experienced. I would like Edfinancial to send my refund now!
Product: Credit card

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : DISCOVER BANK XXXX
Product: Debt collection

Merchants preferred lease took money from my bank account without my knowledge or consent. I have been trying to contact them regarding the payment that I made that is not on file in their records. I paid them {$300.00} but every time I check my mailbox there's a bill for that month but I already paid. When I call them I always get a fake email address every time I send an email to this address, an email comes back as " unable to send '' because it's not a real email address. Merchants preferred leasing is affiliated with XXXX  XXXX XXXX and XXXX.
Product: Student loan

My loans are on XXXX which ends in XXXX of this year. I have been getting calls and emails about my account being delinquent and they have also been calling my XXXX! This is COMPLETELY UNACCEPTABLE!!!!! My account is on XXXX and collections calls are XXXX.
Product: Credit card or prepaid card

I had a regularly scheduled payment above the monthly minimum. Then the monthly minimum was changed without notification and the annual rate stayed the same. My monthly payment of {$35.00} did not cover the sudden change from the former minimum of {$32.00} to a new minimum of {$43.00}. Then they began adding late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not listen to your side of the story because you dont certify it to Experian. But I do certify that Experian should not push the same credit card over and over again at consumers when they are looking to improve their credit.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosur
es from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ben dealing with this problem for over a year now. This reporting agency continues to report false information on my consumer report that I clearly do not have per the courthouse and XXXX XXXX. So I'm not understanding how you are still able to report information that does not exist. At this point this is FRAUD and you are past violation my rights and the LAW. I need this incorrect information that does not exist removed immediately. There is no way possible you can say the court or XXXX XXXX furnished you this information because I have proof in writing they didn't so stop defaming my character and delete these lies you report!!! See proof attached
Product: Student loan

This is not the first time that Navient has ignored the governments decision to stop the payment to student loans. They are not supposed to begin charging until XX/XX/2022. I received an email informing me to check my Navient account, and to my surprise it states that I am past due - that my payment was due in XXXX and they will be taking action to collect payment. My next payment, according to Navient is in XXXX. I have XXXX loans through them, a mix a stafford subsidized and unsubsidized loans. They also report non-payment to credit agencies, which hurts my credit score.
Product: Debt collection

I do not have a contract with Ad Astra Rec in the amount of {$1100.00}. I am not liable for collection of this debt from  AD Astra Rec. I  am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. PLEASE DELETE THIS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests, XXXX consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. 
This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX 
I respectfully request that the CFPB take appropriate action to ensure that XXXX complies with federal law by conducting proper investigations and providing consumers with the necessary proof of such investigations. 
These are the accounts I've marked as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit card

I received an email notification from American Express credit line determination department, stating that there had been a change to my credit limit. When I opened the email the information stated AMEX had decided to lower my credit limit by {$3000.00}, from approximately {$9000.00} to {$6000.00}, thus placing the card which already had a {$6000.00} balance on it into a maxed-out credit card position. They advised me to call if I had questions, no explanation was given in that email. I called and spoke to the XXXX different individuals, a regular representative, a credit line representative and their supervisor. I was told by all XXXX that they made the determination based off of XXXX late payments. To my knowledge all under 30-day lates. I should mention, I am a retired XXXX veteran, and I am a full-time student, which caused my 10-day late payments as I 'm on an extremely tight income. Notwithstanding, I paid my bill in XXXX and I paid XXXX 's bill on the XXXX. To my knowledge, I was only 10-days late on those payments, not XXXX, XXXX or 90-day late payments. The AMEX representatives told me that the reason for their actions were because they opened up an investigation on my account ( again without my knowledge ), pulled my XXXX score and credit report ( also, unbeknown to me ), and made this determination without forewarning or notification. To my knowledge, I had not received any form of notification that they were even considering these drastic of actions neither in writing or by phone. Also, to my knowledge, I was n't afforded any of the protections under the Truth in Lending Act, specifically Credit Card Act of XXXX, where companies are required to notify the customer in writing if they are going to impact the customer 's credit, pull credit scores without the consumer 's expressed permission, change the terms of the agreement, which ultimately adversely impacts the consumer. All of these apply to my situation. An AMEX representative told me that the only way my credit line could be reinstitute, thus pulling me out of a maxed-out credit card position would be to give them my bank account information, my XXXX, all other sources of income and all savings and government pensions I may be receiving. Specifically, Proof of Income, Proof of Financial Assets, all sources of employment, OR, give them {$3500.00} by XXXX XXXX to have my credit line and thus credit restored.
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 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 proce 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 47 financial loss, and I seek appropriate redress These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. 
PLEASE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

My family of XXXX and I had a land contract scam and must purchase a home by fXXXX XXXX. I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying Credit Acceptance on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing XXXX late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. XXXX now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid XXXX twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on XXXX XXXX points and XXXX, XXXX has XXXX not shown these updates! I feel as if XXXX lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on XXXX, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need XXXX or XXXX to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and XXXX XXXX
Product: Checking or savings account

My account was supposed to be closed several months ago my account has been blocked and I have been unable to obtain any information and I have been lied to numerous times. CitiBank financial group is one of the most unscrupulous banks I have ever dealt with in my life they have caused me such a financial hardship that I have lost my home I have been unable to eat unable to have a place to stay and Ive even had the belongings that I had put in storage because I lost my home repossessed and sold because I couldnt afford to pay my storage bill CitiBank hes promising they are going to send my money in a check and they have refused to do so they will not release my funds they have had my money since XXXX it is now XXXX this is completely illegal and a violation of the Department of banking and insurance guidelines and statutes nobody will do anything to help nothing has been done to fix this CitiBank always Replies with some ridiculous bogus response that looks like theyre doing the right thing when they are not doing anything at all the reason why I am making a complaint is another written formal Paper trail to prove what they are doing to me
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported incorrectly and inaccurately. The payment history is not consistent among the reporting bureaus. Also to point it out this account is tagged as charged off yet there is a balance. I urge your team to help me get this out of this report.
Product: Debt collection

I joined a gym membership, signed and paid for the 16 week program in XXXX and paid upfront in full, with the option to cancel after the 16 weeks.

Once I completed the 16 week program, the gym owner gave us the instructions from the company who sponsored it on how to cancel. Which I followed exactly as instructed. 
You had to attend 3 classes per week and log the classes in on the planner app, which I did. Then you had to send a certified letter advising the National Acceptance Company, who apprently is the 3rd party billing company that you are cancelling the contract membership. I sent the certified letter, with a copy of my print of the classes attending to show proof of the required 3xweek attenandce record. 
They then called me in XXXX to tell me I owed them {$2.00} as a verification fee or entry fee. Which I did not pay. 
Now I am being billed for the full gym memebership and if I dont pay they are going to put me into collection and ruin my credit. 
They are bullying me, I have called and was told I can not pay this {$2.00} now, and I have to start the cancel process all over again and pay the past due amount of now {$190.00}. How can they justify this kind of fraud. 
This is ethically unjust and I feel like they are holding my credit hostage. 
How is this allowed to continue? How are they allowed to hide behind this 3rd party billing scam.