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

I am sending this request again to address the inaccuracies on my Credit Report. Upon reviewing my file, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX Late Dates : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Mortgage

XXXX Mortgage has refused to send a monthly statement for the month of XXXX. He month they keep sending them later and later and now they haven't sent the statement for both loans we have with them. I'm having to submit XXXX complaints, XXXX for each loan.
Product: Credit reporting or other personal consumer reports

Please know I ran my credit for the first time and noticed accounts and inquiries that are not mine, I need help in removing all these negative account from my account. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX  - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXXXXXX XXXX  - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXXXXXX XXXX XXXXXXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XXXX XXXXXXXX XX/XX/year>- NOT MINE INQUIRY XXXX XXXX XXXXXXXX XX/XX/year>- NOT MINE. 
INQUIRY - XXXX XX/XX/year> - NOT MINE
Product: Credit reporting

I have been the victim of identity fraud and have noticed that there is a collection account that appears on my credit file listed as XXXX. I have disputed the information several times and had it removed previously. The company in question can not send me any verification to prove that the account belongs to me. please have this account removed from my file as it is ruining my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA is reporting to all credit agencies two accounts that do not belong to me. The first account was opened XX/XX/XXXX with a credit limit of {$400.00}. The other account was opened XX/XX/XXXX with a credit limit of XXXX. Neither account belongs to me but it is still being reported to all agencies under my name. The records of both accounts do not match my SSN and when I give my information to capital one agents over the phone they do not have any records of this. My full social is XXXX and my DOB is XX/XX/XXXX. All of the accounts that are appearing on my credit profile the only information that matches my accurate information is my name XXXX XXXX. Nothing else in the records matched for my file.
Product: Money transfer, virtual currency, or money service

I have had a CashApp account since last year, and at some point I forgot about the account and opened another account when I got a new phone with CashApp. So this makes it two account. Anyways I have an issue since, as I have been enjoying their services. However a friend of mine who had sent money to me before, transferred {$260.00} dollars to my former CashApp account cos thats the one he has he did not have my current one. He made this transfer on the XXXX of XXXX this year, a few days ago and I could not access the funds cos I no longer have that former phone number I used in registering that account, I tried everything possible and I just could not have access. I contacted cashapp via email and explained my situation to them and asked that they grant me access to the funds after all it was my account. They asked me for proof of my account and asked for some documents and information which I provided successfully they and they said the verification was successful. However they were sorry they could not grant me access to that account or funds for security reasons and to protect my account. I further pleaded with them and asked them to help close the former account and grant me access to my funds, they tefused. I explained that this fund was for a sick relative of mine back in XXXX and the person needed to undergo an XXXX XXXX  and it was a matter of life and death they still refused. Someone else sent me {$60.00} to thats and amount again today not knowing what was happening. So that makes it two transactions held up by CashApp. Sadly I got a news that my relative passed away cos there was no proper treatment which the money was meant for. I lost my cousin. I am indeed devastated and in pains knowing that I trusted cashapp to release this funds to me but they never did. After all Im the owner of the account and they proved it. At this point. Im done with them and I want all my accounts closed and all my cash returned to me since they wont grant me access to these funds.
Product: Debt collection

Great Lakes Service Center are charging me twice per month for my PLUS loan. They have ignored the terms of the loan agreement by contacting people at all hours who are not co-signors. They are harassing other members of my family. They have sent emails to people who are not co-signors at XXXX, they have called my son whose number is not on the loan, they have refused to answer my questions, their complaint department ( ombudsman ) said I should contact Great Lakes that the ombudsman can not help me, and the ombudsman has refused to respond to my emails. Great Lakes is over-charging me. I am doing everything possible to keep up but they keep dreaming up new ways to over-charge. They are doing the same thing as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 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. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report
Product: Credit reporting or other personal consumer reports

Truist Bank is responding back from my complaints with the CFPB, but is not fixing none of the history on my credit reports. They closed a investigation back in XX/XX/XXXX. However it was still reporting on my credit reports up until XX/XX/XXXX which is a full year of reporting inaccurate information. They stared another investigation into a existing matter is what they claim and they said they awarded me XXXX dollars to a account that was charged off back in XXXX of XXXX. I call to ask about this and they had me on hold for almost XXXX minutes, and then hung up on me which is another violation of My consumer rights. Truist responds back to my complaints but don't do none of what they say in these CFPB responses. They had a charged off account reporting inaccurate information on my credit reports for well over a year which exclusively damaged my credit profile. Truist thinks this is a joke and they say XXXX has the case, but he never answers the phone. Truist also said they mailed the last response to XXXX of my complaints to my address but never did. Truist continues to violate my consumer rights and something must be done about this,
Product: Debt collection

I have attempted numerous times clearing up a debt on my credit report that is not mine. XXXX cable opened an account in my name that I never authorized. I also never lived at the address they opened the cable account in. They can see my address history on my credit report and the address on their account I never lived at. They keep sending me a paper asking for police reports and massive amounts of personal information. It is their responsibility to prove the account is valid not mine. I have no collections on my credit besides this fraudulent account. XXXX cable removed the account for many months then all of a sudden they have now sold the account to convergent outsourcing and they began reporting an account starting XX/XX/2021. They are again trying to collect on a fraudulent account. They are also attempting to start reporting on me again from 2021. This account I have been fighting for years!! It was not opened in 2021. I want this account removed! I am attaching a screenshot showing that XXXX cable is attempting to report on my credit again and I have disputed it.
Product: Mortgage

XXXX XXXX Military, PCSd from XXXX to XXXX. Freedom Morgage company failed to get in contact with me about my interest rate change on house payment. They let late payment lapse for almost a year before I called to get information about tax documents. Only then did they notify me of the rate change to morgage, resulting in almost 40 dollars short on my monthly morgage payment not being paid each month, that I have faithfully paid every month. Now the morgage company has placed a delinquency on my credit report which negatively affects my credit score.
Product: Mortgage

on XX/XX/2020 I recieved a online notice from Flagstar Bank that they would no longer accept ACH payments from my XXXX account. This is the same account that they have accepted payments from for two years. They are mandating that I only use a Personal bank Account to make the ACH payments from. I talked to their customer care supervisor and she took my complaint and said there was nothing she could do since they changed payment providers. I need to know if it is legal for them to deny a mortgage payment via ACH from a business bank account?
Product: Checking or savings account

Wells Fargo failed to detect or alert us to a duplicate {$1500.00} mortgage payment initiated in error by our mortgage company ( XXXX XXXX ), resulting in an overdraft. Instead of investigating, Wells Fargo attempted to recover the funds by debiting my husbands entire paycheck, leaving our family of XXXX with no money for basic needs. When we withdrew remaining funds in cash to survive, Wells Fargo continued to charge my husbands personal line of credit to our overdrawn joint accountwrongfully linking me ( his wife ) to a debt I never signed for. Despite repeated calls, no resolution was offered. I am requesting the removal of my name from the joint account, confirmation that I am not liable for the line of credit, and protection of my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : Message online via transaction paypal for concert tickets XX/XX/XXXX : Sent XXXX $ to XXXX XXXX on paypal for tickets, fraud-never sent tickets XX/XX/XXXX : Called paypal, stated since it was friends and family transaction they could not refund-told me to call XXXX XXXX ( who I bank with ) XX/XX/XXXX : Called XXXX immediately, stated they could not dispute claim until money actually left my account. Guaranteed I would dispute and be reimbursed. 
XX/XX/XXXX : Dispute form completed, XX/XX/XXXX : Bank stated I can not be refunded since I did not use my debit card ( my checking account is hooked up to paypal-only have a debit card linked to this checking account previously hooked up ) Bank and paypal keep kicking the ball back and forth and I am not being refunded, but worse this fraudulent individual is probably still getting away with this with other innocent consumers.
Product: Bank account or service

I opened an account with Suntrust Bank and less than a month later they closed my account and froze access to the funds without warning. No one is able to give me an answer after talking to multiple agents. First I was told I would receive a letter in 7 - 10 business days along with a check for any funds that were in my account. They froze access to my account on XXXX XXXX and my first direct deposit to this account was scheduled for XXXX XXXX. I was told they received my direct deposit and it is being stored in a warehouse. I called back today on XXXX XXXX because I 've received nothing from the bank. I was told they did not close out my account till XXXX XXXX and it will take 7 - 10 business days from that date to receive any funds in my account. Please help me get my money back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the inaccurate reporting of late payments from XX/XX/XXXX to XX/XX/XXXX, which should not be attributed to me. 
On-Time Payments Prior to Transfer : I have always made my payments on time prior to the transfer of this account. The incorrect reporting of a XXXX late payment does not align with my history of responsible financial behavior, as all obligations were met before the account was transferred. 
Dispute Already Filed and Marked as Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain incorrectly on my credit report, indicating that the issue was not properly addressed. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XXXX I mailed Check # XXXX to Specialized Loan Servicing LLC to pay XX/XX/2022 payment. On XXXX this check cleared my Credit Union, However my account still says that the XX/XX/2022 payment is still due and they have placed my payment in their Undefined account. 

Loan payments are to applied to the account upon receipt according to Federal Rules. I have made the XX/XX/2022 XXXX and my account should now say the next Payment due is XX/XX/2022. 

I should not have to make a complaint each month for this Company to apply my loan payment to my account.
Product: Debt collection

NRA # XXXX. 
These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

XXXX has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to XXXX. 

XXXX has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following XXXX false inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX  stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX  as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you see attached. 1. Transunion failure to remove a XXXX XXXX XXXX an identity theft account after providing the proper documents. ( XXXX XXXX XXXX ) And, XXXX. Transunion still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry )
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$860.00} Collection XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$1500.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open Inquiry : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 XXXX XXXX XXXX, which allows for {$XXXX} per violation, for account listed without my expressed written consent.
Product: Vehicle loan or lease

Chrysler Capital - RR XXXX XXXX XXXX XXXX was sent on XXXX XX/XX/XXXX to pay off the account in full. Not applied. Account is now reporting to the credit bureaus as " XXXX XXXX XXXX XXXX XXXX '', which would mean a 1099 form would be reported to the IRS. This has not happened and a repossession order was sent out instead with a thug identifying himself as an " Investigator '' calling on XX/XX/XXXX, to intimidate, harass and frighten me. ( XXXX at XXXX XXXX EST lasting for 38 seconds ). 

When I called Chrysler today to clear up, they are purporting the account is not balanced to XXXX with the instrument above, and the account is reporting incorrectly to the Credit Bureaus and is allegedly in a " Charge Off '' status as of XX/XX/XXXX. 

They are refusing to extend any COVID 19 assistance or any other assistance whatsoever on this purported debt for which they have STILL not provided me Proper VALIDATION OF DEBT paperwork on - a FDCPA Violation. 

Please help. Thank you Kindly and God Bless.
Product: Debt collection

I am trying to resolve ambulance charges for my elderly mother in XXXX XXXX. The charges were sent to Credence Resource Management in XXXX, and they are still unresolved. Mom ca n't hear and has XXXX that is progressing rapidly. I started contacting them in XXXX and they refused to talk to me. Their XXXX letter/bill to mom said that she OWED over {$1700.00}. But I see today on a Medicare statement dated XXXX XXXX, XXXX that Medicare PAID all but {$110.00}. Why were they asking for the full {$1700.00} in XXXX and until today? 

I submitted POA papers to Credence ( to get them to TALK to me as the daughter ) in XXXX and they said they never received them. Sent another large packet of papers including POA papers in XXXX with a signature receipt from XXXX XXXX. I received confirmation and signature from XXXX XXXX that Credence took delivery on XXXX XXXX. When I called on XXXX and XXXX Credence said they still had not received it. Their own internal paperwork is lacking! 

Today XXXX XXXX XXXX talked to Credence for a LONG time. They finally confirmed that they have the XXXX papers and can talk to me. They also confirmed that the bill was sent to Medicare and that Medicare partially paid it. {$110.00} remains to be paid. 

Mom has secondary insurance with XXXX XXXX XXXX XXXX - XXXX XXXX insurance. Credence REFUSES to send the remaining {$110.00} expense to XXXX XXXX XXXX, because they claim that it wo n't be covered. As I understand it you should just submit the expense and let XXXX XXXX XXXX determine if it is covered or not. 

Mom had an earlier ambulance ride XXXX XXXX XXXX ) that was FULLY covered by the combination of Medicare and XXXX XXXX XXXX. That is why I am insisting that the expense be submitted to XXXX XXXX XXXX. 

Please HELP get Credence to SUBMIT the residual {$110.00} expense to XXXX XXXX XXXX! 

P.S. This form is being submitted by the daughter who has POA. Mom ca n't hear and has XXXX which is rapidly progressing. I am just trying to resolve this bill.
Product: Debt collection

Enhanced Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.