23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported late payments in XXXX in a period that my loan was in forbearance. The loan was placed in forbearance on XX/XX/XXXX and was in forbearance until XX/XX/XXXX. I attempted to dispute this on Equifax but they dont show the late reported payments in the dispute section, only in the payment summary section.
Product: Checking or savings account

Im trying to open a loan through a credit union and they are showing check systems put a freeze on my account i called time and time again, alongside online and they swear there is no freeze however on the paper copy there is. This needs to be removed!!
Product: Credit card

I made an ACH payment on XX/XX/XXXX. The money came out of my account on XX/XX/XXXX via ACH. Wells Fargo has placed an arbitrary 15 day hold on the payment for no reason. ACH transfers are immediate.
Product: Debt or credit management

On XXXX the first XXXX  I went to the Bank XXXX XXXX XXXX de XXXX XXXX ) requesting an extension of the limit of my credit card account. I gave them the evidence documents of my income but the Bank denied my request because of my age. This was the only excuse they said that they couldnt give me an update of the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an exceptional credit rating for the past XXXX years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than XXXX spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time XXXX XXXX XXXX XXXX XXXX  situation for {$200.00} had Transunion XXXX my XXXX credit score ( once again I have had an exceptional credit rating for XXXX years ) down to XXXX ..... I am outraged by this and all of my attempts to contact any one a Transunion have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after XXXX + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on XXXX XXXX, XXXX from Transunion and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.
Product: Debt collection

I had a membership at XXXX XXXX but the card I was using expired without me knowing. I stopped going to the gym and forgot but they kept charging my expired debit card somehow and by the time I knew it they sent my account to collections and sold it to debt collectors.
Product: Vehicle loan or lease

Fristbank of Puerto Rico loan loss due to hurricane XXXX in XXXX.the debt collection is XXXX the car had a gap insurance that had to be paid .l am disputing it with the credit agencies. Puerto Rico was devastated by hurricane XXXX.
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. Pursuant to 15 USC 1692g ( b ). 

I sent certified mail USPS ( XXXX XXXX XXXX XXXX XXXX XXXX. ), a notice to the consumer reporting agencies about some inaccuracies furnished on my report. 

I also sent certified mail USPS ( XXXX ) to progressive management services about these inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX. CALIFORNIA XXXX XXXX Inquired on XX/XX/XXXX XXXX CREDIT XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. LA XXXX CARS XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX
Product: Bank account or service

I opened a Huntington checking acct because of their 24 hour grace period if your account goes negative and I felt that that really helps me since I really cant afford fees. My account had XXXX in it and I had a check for {$5.00} returned due to insufficient funds and was charged XXXX. If the check would have went thru, my account would have been XXXX, still under the {$5.00} threshold and I would had a deposit coming thru the same day. So what happened to the 24 hour grace period that Huntington says they offer? Does it go away after a certain amount of transactions? Paying almost {$40.00} at this time of the year really put a dent in my pockets. I can see if the transactions were a lot of money, but they were {$5.00} or less. Needless to say, once I get direct deposit switched over, I will be looking for another bank, one that really cares about an average person just trying to make ends meet!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 my wife and I applied for a loan to purchase a used vehicle at XXXX XXXX, XXXX, California. We were trading in two vehicles for the one. We were told the loan was approved by XXXX XXXX XXXX XXXX, XXXX XXXX, California. A week after bringing the vehicle home and the dealership having our two vehicles, we were called by the dealership to go back and sign new paperwork since XXXX XXXX declined the loan. Without our knowledge the dealership made several inquiries ( hard hits ) on our credit to get a loan approved. A few days later we started receiving letters from various banks and credit unions explaining why were declined. We received one letter from XXXX XXXX which explained that although I had a credit score of XXXX I was declined for various reasons. One of the " key factors that adversely affected my credit score '' was " time at current residence ''. I have tried to contact XXXX XXXX, my personal bank, Experian and the Federal Trade Commission in an attempt to determine how it is possible 23 years at my current residence could adversely affect my credit score. I  have not been able to find an answer to this question! This should be spelled out somewhere with some agency.
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 Financia 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 a significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting

In XXXX 2015 i disputed through this portal the false reporting made by XXXX XXXX XXXX during my chapter XXXX bankruptcy.I spoke with a representative from Experian and she said that after being contacted by the cfpb.She did not know which account was being disputed so she contacted XXXX and they told her to delete them all.Yet on my credit report the negative XXXX is still there and she deleted XXXX closed positive accounts and shrunk my credit history by 20 years.This has also happened on my XXXX report.I am entitled by federal law to an accurate and fair report.So how can my reports be either accurate or fair if they are allowed to delete accounts that are not in dispute.They are supposed to do a reasonable investigation, it is not reasonable that i would be disputing my closed positive accounts.She informed me that i would have to get them to report them again.That is not reasonable because they are closed accounts that were deleted before their expiration date.So i guess now its not safe to dispute through the CFPB PORTAL.
Product: Student loan

Cosigner ( my father ) died XX/XX/2020, 2 months after I graduated college. Sallie Mae says action will be taken if remaining borrower credit is not at the level the loan would be approved for if I did not use a cosigner. My income and credit is not even remotely close to be what it would need to be to get approved for my student loans. Now, I am left to pay the $ XXXX ( and rising ) for the next 9 years by myself. That is 65 % of my income. I am an engineer that makes the same amount the lender estimated when initially applying for these loans. I bring less money home than I did working in a XXXX, and this will be the case until my loans are paid off. 

The whole point of a cosigner is to provide a good income and credit score for the bank to make a good judgment. That income and credit score died with my father and no action is being taken. I am in a situation as if I got approved for loans that require a much larger income and better credit standing then I'll have for the next 15 years. 

This is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. A fraud report was sent to you in XX/XX/2018. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XX/XX/XXXXthis fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. previously I just had to deal with another account that was figured out that happened like this I will resend the information from XX/XX/XXXXand you will be able to see it for yourself as well
Product: Credit reporting or other personal consumer reports

I am without prejudice the Agent AND NAME HOLDER XXXX XXXX XXXX  FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THIS IS NOT A DUPLICATE COMPLAINT ANY COMPLAINTS MARKED DUPLICATE SHOWS CONSPIRACY TO DEPRIVE RIGHTS. Today got a credit monitor alert stating account reported as delinquent when account is not delinquent or in default. XXXX XXXX XXXX XXXX IS IN DISHONOR AND HAVE FAILED ITS FIDUCIARY DUTIES, XXXX XXXX XXXX XXXX HAS STOP MY ACCESS TO THE ACCOUNT BUT HAS BEEN USING IT FOR PERSONAL GAIN, XXXX HAS MADE PERSONAL CHARGES TO THE ACCOUNT. We dont have access to our own credit but XXXX  get to use it as it please. Whos protecting the rights and interest of the people from dishonor, corporate corruption and securities fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to apply for a mortgage XXXX XXXX and XXXX came back equifax didn't come up. Called equifax they said I didn't exist and that I had no history with them. Called them talked to a supervisor and told me to send a copy of my drivers license and social security card did as told still no answer did this twice already and they weren't able to help me. Called multiple times. Need this fixed since I am trying to apply for home.
Product: Credit card or prepaid card

Apple should clearly disclose what the company intends to offer. Just try to purchase a XXXX XXXX XXXX from Apple for school purposes. We are currently offer 0 % financing for six months. False and misleading! Once consumers click yes, it generates a contract with different terms and conditions. Granted, it was my responsibility to review my statements to make sure that they were free of error, however, would XXXX  have rectify its unscrupulous act? Absolutely not. When I asked to close my account after I paid it off, said account incurred {$43.00} in balance rewards and XXXX  would not mail me a check. They never had that amount displayed in a way that consumers can see it and use it. I have knowledge about proper disclosure in financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ability recovery services llc calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX XXXX  my bank account was hacked by an unknown scammer, after that I got disturbing messages saying that I have a new bank account balance with more money on it. When I went to withdraw the money I found out that I withdraw my own money there was no additional money. Scammers told me that I have to act quickly and withdraw the money. A number was then displayed on the screen of someone who could help me. I then contacted the number, and the person on the other end disguised themselves as a representative for XXXX and told me that I was hacked. I spoke with an individual, named XXXX XXXX, who manipulated and brainwashed me into believing that this was real. They used advanced technical language to confuse me and convince me that they were professionals so that when they told me that I needed to make payments to them on XXXX ATMs to stop the scammers from stealing more of my money, I believed them. 
I made multiple withdrawals, thinking I am withdrawing money someone added to my bank account, totaling around XXXX USD that I paid to the Scammers at the end from my JPMC account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/2024, I mailed a dispute letter to Equifax via USPS certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I did not receive a response back from Equifax with investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXXXXXX XXXX : ACCOUNT # XXXX & XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me, XXXX XXXX then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Victim of identity theft have proper documentation, ftc report, police report etc. XXXX XXXX  XXXX  needs to remove inaccurate and fraudulent account number XXXX from all XXXX bureaus immediately!
Product: Debt collection

XX/XX/XXXX a hippa debt validation letter was sent to the company to validate the debt not verify for the billed amount {$950.00} which was not validated by the company which they are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club incorrectly reported payments, dates and amounts on my credit reports.
Product: Debt collection

I, XXXX XXXX, are reporting Consumer Adjustment CO for FRAUD and aggravated identity theft and for violating the Social Security Act and false and misleading information.

The CFPB, FTC, IRS, needs to investigate them immediately, expeditiously they are frauds!!!!!

This company CONSUMER ADJUSTMENT CO has my social security number and is using it without my authorization, violation to my consumer rights pursuant to 42 U.S. Code 408 - Penalties. I did NOT give them authority to use MY SOCIAL SECURITY NUMBER!!!!!

This company is furnishing my information to all credit reporting agencies and I did not give them permission to they are using my social security number and I did not give them permission to do this is a federal violation to the Social Security Act.

Consumer adjustment CO brought my information/Social Security number from another company ( I dont which company ) however, This is a violation to the Social Security Act and aggravated identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft This company CONSUMER ADJUSTMENT CO is committing fraud pursuant to 18 U.S. Code 1030 - Fraud and related activity in connection with computers. They are using their computers to furnish my information using my social security number WITHOUT MY AUTHORIZATION!!! PLEASE CFPB INVESTIGATE THEM THEY ARE IN VIOLATION REGARDLESS OF ANYTHING THEY SAY!! THEY ARE USING MY SOCIAL SECURITY NUMBER WITHOUT MY AUTHORIZATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

I WILL GET MY REMEDY FOR VIOLATIONS OF MY RIGHTS BELIEVE ME ON THIS!!!!!!!!!!