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

I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX XXXX XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX is all wrong and should not be reporting this way~
Product: Debt collection

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A, States that 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 an account without my written instructions. 

Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX : no : XXXX
Product: Credit card or prepaid card

I am a customer with Navy Federal Credit Union and recently discovered a fee charged to my account associated with a credit card that is not active. To my knowledge, the credit card linked to this account has not been used for a considerable period and should not have incurred any additional fees. 
Despite the card 's inactivity, a fee was levied on the account on XX/XX/2023. I was not made aware of any policy that would entail such a charge on an inactive account, and I believe this action is unjustified. 
Upon noticing the charge, I immediately contacted Navy Federal Credit Union to clarify the situation and seek a resolution. Despite my efforts, the issue has not yet been resolved satisfactorily.
Product: Mortgage

My wife and I were working with XXXX, a HUD approved mortgage counselor, to apply for a HARP modification with CitiMortgage. We had initially applied in XXXX, 2015 and after numerous submissions of income and information, we were denied the HAMP modification. Our housing counselor at XXXX even mentioned that we should get a lawyer at one point in the process because CitiMortgage was giving us the runaround. CitiMortgage told us that the reason the HAMP modification was declined was because our income of $ XXXX/month did not reach the XXXX % mark for the loan to be modified. We were only at XXXX %. The XXXX counselor then contacted CitiMortgage to confirm the numbers and asked, at our request, for an appeal and that CitiMortgage include the income of my mother-in-law, XXXX, to qualify as well, since she is living in the home with us permanently and my wife and I have power-of-attorney over her finances. After much back and forth, CitiMortgage decided to allow her income on the appeal, which was around $ XXXX/month. All we needed was another $ XXXX/month income to get the HAMP modification and XXXX agreed to let us use $ XXXX/month toward that purpose. However, when we reapplied, CitiMortgage again rejected us for the HAMP modification. They stated that from our original income of {$5000.00}, the new income for the second decline was {$4900.00}. Instead of increasing the original amount of income by {$800.00} to {$5800.00}, CitiMortgage decreased our income to {$4900.00}, a decrease of {$130.00}. This is fraud. After that, CitiMortgage offered us a blind " modification '', as they called it, of a 40 year loan with 7 % interest that was not based on any of our income. This is bait and switch.
Product: Debt collection

Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block inc. ) due to them have severe inadequate costumer service and unfair practice with clients who use cashapp like myself., which violates the Consumer Financial Protection Act ( CFPA ). Most importantly Cash App failed to take timely and accurate measures to prevent address fraud on their platform, leaving my account vulnerable and not protected at all. Most importantly Cash App, with their dispute process is wrong as they dont comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant for others including myself and severe financial loss, and thats why I am seeking appropriate redress for these unfairly violations.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Doctors business office 4 acount in my credit report I dont own any medical bills I have no knowledge Please remove from my credit report companies
Product: Money transfer, virtual currency, or money service

I've held a Venmo account for some time, but hardly ever use it. 

Recently on XX/XX/XXXX, after trying to transfer a small amount of funds I was informed that my account was frozen. After reading articles that provided no information why, I contacted the company and asked for more information. They responded with a canned email saying read articles online and that they had sent me an email... .however I received no such email or response regarding why or what to do. I then again requested the reason why and then received a response saying that my account was being deactivated. 

I do not know why they have done so and they are also holding {$200.00} of my money for " Loss Prevention '' If they are not going to reactivate my account, provide the information why ... .I dont know what else to do but file this complaint. I want my account reinstated or my funds.
Product: Checking or savings account

I deposited a $ XXXX check into my account XX/XX/XXXX and Bank of America has put a hold on the funds until XX/XX/XXXX. I have written checks based on the funds being available. I've validated the check issued has cleared the Federal Reserve System and that the funds are good. The check cleared the Fed system on XXXX XXXX. I visited my local bank ( Bank of America ) and they said they couldn't help me because the system automatically controls when the funds are good.
Product: Debt collection

Wells Fargo SBA loan officer is using an acceleration clause and calling the total SBA loan amount due within 14 days, a total of {$510000.00} dollars.The SBA loan is in good standing, payments have been made. 
Wells Fargo 's stated reason for the accelerated payment request is over an unpaid line of credit of {$49000.00}. 
This line of credit was used by the previous owner of the corporation in the amount of {$27000.00}. Yet Wells Fargo is still trying to collect the entire amount of {$49000.00} from the company, moreover now we have to pay off the entire SBA loan amount of {$510000.00} Company made a {$25000.00} payment on XX/XX/2018 to stop the acceleration of the total loan, and further we made a commitment to pay the remaining amount as well since Wells Fargo would not stop the proceedings. 
However in the mean time the enclosed letter arrived from Wells Fargo holding the previous owner responsible for {$27000.00}. 
We have asked the loan officer to stop the acceleration payment and relieve us from the remaining debt obligation, however Wells Fargo is still perusing us for the total payment of the line of credit and the accelerated SBA payment. 
Please help us resolve this issue with Wells Fargo.
Product: Credit reporting

A student loan from the Department of Education app [ ears on my Transunion credot report for {$33000.00} ... ... ..It reports this as a still open account with a balance. This account and loan has been paid off and there is a zero ( XXXX ) balance. It reports correctly on XXXX. this needs to be updated and corrected, and removed from the report.
Product: Debt collection

I am writing to formally dispute the charge-off listed on my credit report for the account referenced below. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX, XXXX, and XXXX Upon reviewing my credit reports from all three major credit bureaus ( XXXX, XXXX, and XXXX ), I have noticed discrepancies in the information reported about this account. 

Specifically : account details, such as balance, and dates. 

Furthermore, I have never received a 1099-C form for this charged-off debt, as required by IRS guidelines for any canceled or written-off debt exceeding {$600.00}. Please provide the 1099-C form immediately or clarify why it was not issued.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you validate this debt, correct any inaccuracies, or remove the account from my credit report entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regarding to a Bankruptcy Record on my credit report for Experian. The report # is XXXX. In accordance with 15 U.S. Code 1692g - Validation of debts. On XXXX Experian concluded it's investigation as " Updated '' without providing any information of verification. Please see the attached letter from the courts stating that they do not provide information to the credit bureaus. I have also attached a letter from XXXX XXXX ( XXXX XXXX ) who stated that they had deleted this erroneous-unverified record.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's really simple. My car is still showing as late on my credit report when in fact it's completely paid off now. Credit acceptance hasn't updated the report since last XXXX I believe. The report should say paid in full. They already sent me the title and the letter showing paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately. 
According to 15 USC 1681 b ( 1 ) The credit bureaus don't have no written permission. 
According to 15 USC 1681 I have the right to privacy. 
According to the USC 1681 s-2 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. 
( B ) Reporting Information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Upstart company reported my personal loan payment as 30 days delinquent and 60 days delinquent with XXXX. I contacted them and asked for this to be removed from my credit report as my payment was made on time. I received an email communication from Upstart stating that After completing an internal investigation, the have determined that the delinquent status reported to the credit bureaus as of XX/XX/XXXX, is not accurate. And promise to make correction. 

The correction was never made and the delinquent status still shown on my credit file as of today XX/XX/XXXXXXXX  Due to the inaccurate reporting and failure to make adjustments for more than 10 months I was denied multiple personal loans to pay my debts.
Product: Money transfer, virtual currency, or money service

I am filing a complainant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this statement to address the Equifax data breach that exposed my sensitive personal information, including my Social Security Number, credit details, date of birth, address, phone number, password ( s ), and identification. This breach has resulted in risks of identity theft, financial fraud, and emotional distress. From XXXX unit now in XX/XX/XXXX. I have attempted several occasions to address this issue directly with Equifax and they have failed to act in good faith by replying with generic responses considered stall letters & various attempts to disregard my claims and challenge to their reporting being accurate. Unable to provide proof through documents requested by me several times constitutes their non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE '' XXXX, REPORTING ON : XXXX.
Product: Credit reporting or other personal consumer reports

I hereby submit this formal complaint against WELLS FARGO, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that WELLS FARGO would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.
Product: Mortgage

In XXXX, 2020, I began the process to refinance my house. My current mortgage is with Wells Fargo home mortgage so I figured I would give them a shot at the refinance. I entered into the process, provided all necessary information and was given an expected closing date of XX/XX/2020. I was informed that my loan processor would be out of town for those dates but it should not be a problem as the case was in the hands of the loan underwriter at this point. XX/XX/2020 Arrives and I could not get in touch with any body that was dealing with my loan. I figured it was a corona fluke and moved on with the process. I finally got in touch with my loan processor XXXX XXXX with Wells Fargo on XX/XX/2020. At this time informed Wells Fargo needed further documentation to prove my finances. The documents they asked for at this point is a minimized list of all of the financial records I had already submitted to the Wells Fargo LoanTracker website. By this point I have already spent around {$1000.00} in preliminary closing costs so I feel trapped like I have to complete the process to recoup my already spent funds. I finally receive another message from XXXX XXXX on XX/XX/2020 at XXXXXXXX XXXX  saying that I am approved there is nothing left to do and new expected closing date is XX/XX/2020. XX/XX/2020 arrives and I once again can not get a single person within wells fargo mortgage department to answer a phone. Not only will they not answer 75 % of the numbers i dialed went straight to voicemail. Then i found out from XXXX XXXX manager Wells Fargo has been calling my office to verify my employment twice a week, every week, for the last 3 months! i feel like this is an enormous invasion of privacy and i have talked to multiple professionals inside this line of work and not a single one of these contacted professionals has ever heard of such treatment during a mortgage refinance. 


I have been made so incredibly mad by Wells Fargo it makes me think they are performing fraudulent practices across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

TXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX