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

Filed complaint # XXXX XXXX / XXXX XXXX Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date Equifax is still showing outstanding balance of {$88000.00} and late payments. XXXX was paid in full XXXX XXXX in which they denied. XXXX stated I still owe to date the money for Insurance XXXX and Taxes XXXX that they paid on the same day the loan was paid off. XXXX has refused to show any documentation proving these payouts were even made. XXXX has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
XXXX has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing XXXX inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that XXXX remove all negatives and outstanding balances from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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 an account without my written instructions.
Product: Prepaid card

Received a Cash App visa card in the mail during the holiday. Called Cash App on XX/XX/XXXX to report this card as fraud since I do not have an account with them. The card doesnt include my full legal name. Request shut down via phone. 

Service rep said I had to submit via a portal the card so the team could look into it and report the fraud for closure. I submitted the information but still have not received an update from Cash App that the fraud account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a old repossession that has in accurate information, they have the dates wrong on each three Different credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act.
Product: Debt collection

I am XXXX years, XXXX, and XXXX. A debt collection company sent me a notice in XXXX 2016 claiming a debt of {$510.00} without any explanation. I send a letter to the debt collector within 30 days demanding the debt collection company produce all the documents and evidence of the claimed debt. Instead of providing the documents to verify the claim, the debt collection company reported the {$510.00} claim to all reporting agencies. I demand an immediate withdrawal of the unlawful credit bureau reporting without producing documentation demanded to verify any claim of {$510.00} being owed.
Product: Credit reporting or other personal consumer reports

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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.

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Product: Debt collection

We have requested Proof of Damages multiple times and the Property Management has refused to honor these requests. Without any proof of damages our renters insurance policy will not pay out on the claim. The subfloor of the apartment was destroyed by a busted hvac unit that leaked all over the apartment that took weeks to fix so they may be falsely trying to claim " pet damage '' to replace the subfloor. We have requested proof of damages for the renters insurance company multiple times and they are unwilling or perhaps unable to supply proof of damages. Therefore, our liability coverage is unable to cover the " pet damages ''.
Product: Debt collection

To whom it may concern : I was contacted by Aldous & Associated regarding a contract breach with planet fitness for the amount of {$150.00}. I have not been to the gym in over 6 months. They would not let me in the gym during a virus quarantine in XXXX NJ without a mask on. I can not wear a mask for health reasons. I asked for a breakdown of the charges and they refused to provide that information and said they will report me to creditors and hurt my credit score. Any advice would be greatly appreciated. 

Thank you
Product: Credit reporting or other personal consumer reports

TransUnion has neglected to fully investigate the dispute after three letters have mailed to them requesting validation of the alleged debt from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.
Product: Credit reporting

i went to court and evicted a young man from my rental house. XXXX XXXX XXXX awarded me a judgement against the young man. Trans union reflects it in reverse showing the judgement as being against me. this created a major hit against me rather than the young an who owes me money.
Product: Money transfer, virtual currency, or money service

I had a money transfer sent to my wise account on XX/XX/XXXX, which was due to arrive on XX/XX/XXXX, from an external bank account. 

The transfer was marked as being completed by the external bank, but it is still not present in my Wise account and this is now 8 days late. 

I have tried reaching out to their customer service on multiple occasions and provided them with numerous pieces of documentation, and still, they have done nothing- they keep saying it'll be " 1 to 2 more days ''.

The phone number they provide on their website for customers doesn't work and their chat is offline. They also don't respond on social media. 

They have provided NO WAY for me to have my issue resolved in any manner that is acceptable. 

There is no way for customers to get timely, efficient help with their issues. 

I have now looked further into wise and realized there are thousands of reviews from people having a highly negative experience with this company. 

It's a shame as I've used them for a number of years now. 

I would recommend all buisness owners to stay away from Wise- they can hold your money for up to 90 days without explanation - this can wreck small businesses.
Product: Credit reporting or other personal consumer reports

XXXX XXXXdept of education violating my consumer rights sharing my information without my permisssion under 15 usc 1681
Product: Credit reporting or other personal consumer reports

I have unknown inquiries on my report that needs to be removed 15 USC 1681 PERMISIBLE PURPOSES
Product: Credit card

I submitted an application for the Citi Costco credit card but it was denied without any explanation provided. Previously, I had lodged complaints regarding the closure of my Citi bank checking and savings accounts, as well as my credit card accounts, and sought explanations for these actions, but no reasons were given. Now, I have submitted another application for the Citi Costco Credit Card, and again, the denial notice failed to specify why my application was declined.
Product: Credit reporting or other personal consumer reports

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Student loan

I am in forebrance. It shows on my credit report i am over 149 days pass due
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion for my XXXXXXXX XXXX  account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time

through autopay. Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual
status.

Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status.

Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, whic

h may not accurately reflect the original credit line. These errors misr
epresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that TransUnion correct these discrepancies to ensure accurate reporting.

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting. 
Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue XXXX lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my consumer report has improper reporting and has been compromised these accounts are not my accounts i have no accounts with these companies never gave any of these companies authorization in writing to access my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Product: Student loan

I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help!
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Website : They are keeping my items at ransom its the day before XXXX they are stating over the phone verbally @ XXXX XXXX  that they are closed when my car was sent to them @ XXXX XXXX in the morning meaning they are open and they are refusing to allow me to get my wallet out of the car mid Atlantic is washing their hands saying they dont deal with them yet they are independent contractors working under them. This is Illegal the towing place hung up on me and they were rude telling me I have to wait till Tuesday to get my wallet
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX DEPT OF XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  CRD - XXXX - XXXX XXXX FUNDING - XXXX XXXX  RM - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.
Product: Mortgage

I have a mortgage with Ditech and while I have been making payments to my loan, they have not posted my last three payments properly. The put three full monthly payments into an unapplied account and as a result, my loan appears to be past due four months. I called on XXXX XXXX, XXXX to bring this to their attention, they apologized and stated they were n't sure why it did that and promised to correct it and correct any negative credit reporting this issue had caused. Now today I look and nothing has been changed or corrected. This finance company has no right to not give me proper credit for the payments I 'm making toward my debt. Today, they tell me there is a loan modification in effect but I have not asked for one nor do I want one ; their intention to do that would be to undermine all payments and progress I 've made toward this loan over the past 12 years. I informed a representative over the phone around the XXXX or XXXX XXXX time frame that I had no intentions of modifying my loan.
Product: Credit reporting or other personal consumer reports

I need you to investigate the following account. 
Account # XXXX Account Name : XXXX XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX XXXX : XXXX - Account # : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX & Experian credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX on XX/XX/XXXX with a balance of XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Checking or savings account

Hi XXXX, I have a First Tech CU banking account and first time noticed an overdraft fee charged, I actually never ask them to honor my overdraft purchase, but they just did that for the overdraft fee, and I asked since this is the first time if I can get this fee waived, and they always answered : " we were unable to reverse since this was not a First Tech error. '' For my understanding, first tech should deny the purchase or text me to ask confirmation for the overdraft purchase, not just let it go through and charge me overdraft fee. 

And what's worse is I noticed another overdraft charge 2 years ago which probably a fraud purchase with large amount, First Tech REJECTED the Purchase but still CHARGED overdraft fee, it's totally not fair. 

My request is to refund both Overdraft fee of {$66.00}!
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.

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 XXXX 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 or other personal consumer reports

PLEASE BLOCK AND REMOVE. I kindly request the prompt removal of the unauthorized accounts from my credit report. I did not open or authorize these accounts, and their origins are unknown to me. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are enclosed for your review and reference.
Product: Credit card or prepaid card

My balance has been the same for 3 months despite me overpaying on payments to the card earlier than the due date. The balance owed has stayed the same and the company Fortiva has not been crediting the payments to the card balance. If I made 3 overpayments and the balance was {$2000.00} owed, and my minimum payment is XXXX and I made {$300.00} payments 3 times, the balance owed should not still be {$2000.00}! Fortiva has refused to credit my last 3 payments to my account balance on account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my XXXX, Equifax, and XXXX  report under the account named XXXX they have incorrect account numbers as well this should not be reporting XXXX this account was reported from XXXX it is XXXX. 

XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX