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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on Transunion is XX/XX/year>. The Date Opened for this account on XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX XXXX : {$2200.00}.
Product: Student loan

Unfair lending practices, charging of erroneous fees, inflating balance over the years with the ending balance going up while making payments on time. I have complete documentation and a letter that is being sent to Navient regarding this situation that I would like to send. As it goes step by step.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Equifax against XXXX XXXX based on a loan document of mine - an amortization schedule I printed from my online account with XXXX XXXX that states a 79-month loan term as opposed to XXXX XXXX XXXX XXXX and credit reporting of a 78-month loan term that was originally a 72-month loan term and extended to a 78-month loan term after XXXX XXXX claimed six payment extensions that were added to the end of my account with one of the six payment extensions accidentally given to me while I claim that seven payment extensions were given to me -that would have given me a 79-month loan term -were granted to me but because XXXX XXXX disputes that seven payment extensions were granted to me- inaccurate credit reporting of negative information on my payment history was reported and as a result sabotaged my credit scores and continues to harm my credit score. Yet, even as XXXX continuously sends out documents claiming that the term of the loan is 78-months, they also produced a document claiming that the loan term is 79-months - of which again- is the amortization schedule I provided to Equifax and even in an online dispute with the CFPB that XXXX did not address the amortization schedule in their reply to that complaint. Equifax has also seemingly ignored the amortization schedule that came from XXXX and not me that clearly states a 79-month loan term- in favor of XXXX 's printout of another document that appears to have been given on XX/XX/XXXX, that claims a 78-month loan term, of which is the resolution of the dispute date given by Equifax. However, I have screenshots of my account as of today where XXXX states my loan is for a 79-month term and was not changed even as XXXX updated the account on XX/XX/XXXX. This is completely unfair to that XXXX can print any letter or create any document in their favor for the 78-month loan term -even as they continue to claim that I have 79-month loan term on my account- and that information is chosen over the documents and evidence of XXXX 's continued reporting on my personal account of a 79-month loan term. This is also even as XXXX has admitted to processing errors on my account that they resolved as what was best for them - even though they previously missed that processing error after claiming to conduct careful reviews of my account for previous disputes over the same inaccurate reporting of late payments on my credit reports and did not find until after I complained about the conflicting numbers of payment extensions that XXXX had given me of which had missed XX/XX/XXXX as one of the payment extensions granted when XXXX claimed it had only given me XXXX payment extension in the year of XXXX for the month of XXXX when I contended and still contend that XXXX XXXX had given me three payment extensions for the year of XXXX.
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 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 speak appropriate redress for these violations.
Product: Student loan

They offered help for a forgiveness application, but they never sent me the correct form to fill out. They dance around and avoided any and everything to said they could do to help me. Then they started all over again concerning how much I owed them, and how much can I pay them on the loan that XXXX XXXX used at their advantage. This was back in 1977.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law Experian has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and Experian is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to Experian. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information by Equifax has been reaged by changing the date first reported. I have called to let them know and they say that there is nothing that they can do about it. Information reported is also consistently verified as accurate, such as date of first delinquency, though the dates aren't possibly correct when considering other information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account isnt mine. I am not sure where it came from but this is not my account.
Product: Credit reporting or other personal consumer reports

Experian does not reported credit score, please reconsidered and update credit score XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not authorize and I habe no knowlege of them. I include the FTC report also. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX ; my {$400.00} dollar payment to First National Bank Omaha was deducted from my checking Acct. as usual by bill pay via XXXX from my XXXX XXXX XXXX  acct. This was an XXXX VISA Card issued by FNB Omaha Acct. 
FNB Omaha received the payment. 
Several days later my card was declined at two separate stores. I knew my credit limit was in excess of about XXXX XXXX dollars. FNB Omaha had recently increased my credit limit due to my very good payment history. Years of payments to this institution. Never late. Always well above the total due each month. 
Returned home and called First National Bank Omaha. Rep. said all old accounts had been purged from data base in XX/XX/2019. Rep. said my payment had been returned to my bill pay at my bank. Also said I needed to update my bill pay XXXX to show my new account number ; as they could no longer accept my payments as previously under the old Acct. number.He said my account had been temporarily suspended due to my late payment. I told him that this was no fault of mine and that the fault lay with First National Bank of Omaha. I logged in to my XXXX XXXXXXXX XXXX  and changed the number to that on my VISA card. 
Several days later the {$400.00} dollars never came back into my checking acct. I called my bill pay customer service and they began an inquiry to FNB Omaha as to where the payment money was at. Two days after that I called bill pay again and they told me the payment was never returned to my Acct. I then called FNB Omaha again and the representative told me they had found the money and applied it to my acct. I had told them in both these two calls that I would not accept a late payment mark against my credit score. They had told me it was my fault for not changing the old account number and that a letter had been sent to me explaining this. I may or may not have received such a letter ; and if I did I may have shredded it or burned it thinking it contained blank promo checks etc. 
The third call to FNB Omaha I spoke to a Rep. and then to her Supervisor. I again reiterated that I would not accept a late payment report against my credit score as they had held my payment too long before applying it to my new acct. number. Supervisor told me that it was not their fault and that I should have changed my number when I saw the XX/XX/XXXX statement. I do not remember anything about it on my paper bill from XX/XX/XXXX. I did find theXX/XX/XXXXstatement and there was no such warning on it. I disputed with the Supervisor and told her that due to my awesome payment history and years of card use I would not accept a late payment mark and also they never returned the money to my Acct. and it took several days for them to process this payment. I then told her to close the account and she did. I told her this was a terrible way to treat a card holder with an exemplary payment history as I had. 
First National Bank Omaha and the XXXX ended their association in XX/XX/XXXX. This may or may not have been bias against XXXX members such as myself.
Product: Checking or savings account

Got a buyer for my furniture from the XXXX XXXX. The gave me their phone number to co-ordinate the purchase ph : XXXX XXXX XXXX. The check they sent me was substantially higher than the the amount agreed on the furniture and they said their assistant made a mistake. After the check appeared to be deposited, they claimed that their movers needed the remaining payment and asked me to XXXX the movers the extra amount ( {$2000.00} ) amount so they could have the furniture picked up. As soon as I did so, their bank account was closed and the check bounced ( {$2400.00} ). Their phone number is also deactivated. 
XXXX info : name : XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is XXXX  card for {$2000.00} current card for {$550.00}XXXX XXXX XXXX for {$2500.00}
Product: Credit card

I signed up for XXXX XXXX XXXX card with a signup bonus of XXXX Membership Rewards after {$1000.00} spend in 3 months. I completed my spend on XXXX XXXX. I was supposed to get the bonus points XXXX weeks after. Never received the bonus. Contacted Customer support on multiple occasions who confirmed the offer and confirmed that I have completed the offer terms and told me that the bonus should be awarded shortly - yet the bonus has still not been received. I am extremely disappointed with how this matter has been handled. I expect XXXX XXXX to honor the offer terms without any further delay.
Product: Credit reporting or other personal consumer reports

XXXX Credit Reporting Agency is in violation of 15 USC 1681 ( n ) Civil Liability for willful noncompliance. I've submitted several disputes to permanently remove medical debt reported by Design Receivable Solution a third party company of violating the California State Law SB 1061 of reporting medical debt to credit reporting agencies as well as holding Credit Reporting Agency accountable for reporting medical debt. In addition to this complaint Design Receivable Solution disclosed my personal information in a breach which adversely compromised ALL my personal data including my medical data.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my attention that 1 ) XXXX XXXXXXXX XXXX XXXX. 
2 ) XXXX XXXX. 
3 ) XXXX XXXX XXXX 
4 ) XXXX XXXX XXXX. 
5 ) XXXX XXXX, XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit card or prepaid card

I have a loan with ( CAPITAL ONE XXXX XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX   and XXXX ) and ( CAPITAL ONE XXXX XXXX ) with no successful resolution. ( XXXX ) only reporting me late. There was definitely an error on their part. I was never 60 days late ( Date of Late Payment )
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 XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXXXXXX : # XXXX, Account XXXX/DOFED : # XXXX, XXXXDOFED, # XXXX AccounXXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXXXXXX XXXX : # XXXX, Account XXXX : # XXXX, XXXX : # XXXX has violated my rights 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: Vehicle loan or lease

XX/XX/2021 I walked into Carmax I was told to put down payment to get vehicle.. so {$5000.00} cash was taken and car insurance was issued before I could leave lot {$350.00}. So I had to get insurance with esurance.. 

According to 15 USC 1605 ( a ) - down payments or cash are illegal in any consumer finance charge everything should be included in the finance charge. And 15 USC 1605 ( a ) ( 5 ) -insurance should be included in the finance charge NOTE* a finance charge is the sum of all charges
Product: Checking or savings account

I filed a claim for unauthorized charges on my business bank account with JP Morgan Chase on the XXXX of XXXX from XXXX a payroll company. XXXX gave me 3 months free service and charged me fees on the XXXX and XXXX of XXXX. On the XXXX of XXXX I notified JP Morgan Chase of the error. The bank requested documentation to credit the account. I was unaware that XXXX would be charging my account. There were two charges {$870.00} and {$190.00}. I requested that the bank dispute the charges. I tried to work things out with the merchant directly and was unsuccessful. I ask that JP Morgan Chase withdraw the claim, and that I would reopen it if the merchant did not honor their promise to credit the funds to my account. This discussion happened on the XXXX of XXXX. On the XXXX of XXXX, Chase sent me a letter saying that the case was resolved but never credit the account as they were supposed to. I have given the bank overwhelming evidence to dispute the account. Today, I requested that the bank reopen the claim and they told me that " the bank would not reopen the claim because of the probability that there would be a back and forth situation of processing the claim. '' I was not clear on what " back and forth '' means and so I decided to file this complaint with the CFPB. I am requesting the bank return the funds back to my account. The bank has enough evidence to do so.
Product: Student loan

I have 3 student loans with Navient. Two of them are private and one is federal. A while back one of the private loans went into default and it was passed on to their collection agency - XXXX XXXX. At that time they told me that I could pay {$100.00} a month towards it and that Navient would report to the credit bureaus that I was making partial payments. I have been doing that faithfully ever since. I have not missed one payment. My issues are that I feel as though the loan 's interest was accrued at an outrageous rate. The original principal was {$7000.00} and the loan is now at {$14000.00}. That 's double the amount. Then whenever I try to discuss this loan with Navient they tell me that they can not because I need to talk to the collection agency but that I should also be careful with who I speak to concerning this because there are fraudsters out there. So I call the collection agency and they tell me that they will talk to Navient on my behalf. Every time they talk to Navient they come back with a settlement offer. The first settlement offer was for me to pay {$4900.00} to them and the rest of the loan would be forgiven. Now they recently sent me another settlement offer to pay them {$6000.00} for the same thing. I believe that this is turning into a game of some sort because they know that this particular loan has been set at an unreasonable price. They do not allow me to discuss this loan and they continuously come with these settlement offers ( which are increasing even though the loan is decreasing ) and I believe that the loan is overpriced/not calculated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX. SOMEONE STOLE MY PERSONAL INFORMATION AND USED MY INFORMATION FRAUDULENT TO RECEIVE MEDICAL SERVICES. I HAVE ENCLOSED A POLICE REPORT AND FTC REPORT.
Product: Debt collection

I have an entry on my credit report from XXXX XXXX XXXX  saying I have a collection account for {$230.00} on my Experian report. I called and spoke with XXXX and XXXX XXXX XXXX unable to find an account for me. I have not gotten any written notices of this debt I don't even know what this is for.
Product: Credit card or prepaid card

Credit Card Application applied for a credit card with Bank Of America, the credit card was not issued as a result of Bank of America 's security services