23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent money to the escrow account that was not applied to it and as a consequence of that my mortgage payment increased. The check clearly indicated that such should of been applied to my escrow account. The servicer in question is Plaza Home Mortgage. I am sending you a copy of the cancelled checks and print out of payment/escrow history. As you can see such payments were not applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

one student loan is reporting under my name with equifax credit reporting agency this is not mine, i have never went to school here and never got a student loan. 
this is a very inaccurate information reporting under my name, please have equifax remove this inaccurate reporting.i will be attaching the FTC report and the police report that i had inquired and sent to equifax as well. 
thank you
Product: Credit card

Purchased solar panels from XXXX XXXX. For {$3800.00}. PayPal charged my credit card {$4100.00}. 
I have multiple pictures of my purchase showing the lower amount. XXXX XXXX  says they charged me more for shipping. Paypal sides with them. 
I was overcharged XXXX Please help
Product: Money transfer, virtual currency, or money service

received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( Key Bank ) they would not help me in giving me any information and told me to go back to my bank. But Im the victim of fraud and they are protecting their client that steals?!? How can the company, XXXX, and XXXX  XXXX XXXX & Key Bank no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?
Product: Prepaid card

I ordered XXXX {$300.00} visa prepaid card on XXXX ( order # XXXX ) on XXXX/XXXX/15. The order is supposed to be fulfilled by XXXX. I called XXXX on XXXX/XXXX/15 because I did not receive the prepaid cards. Agent requested me to wait until XXXX/XXXX/15. I called again on XXXX/XXXX/15, and agent agreed to void the old cards and ship XXXX new cards ( Call Reference # XXXX ). I called XXXX again on XX/XX/XXXX, agent said that they have not resent the prepaid cards, but they agreed to send it soon ( Call Reference # XXXX ). I received a phone call from XXXX on XX/XX/XXXX, and they stated that those cards have been used already. I requested a full refund on XXXX/XXXX/15 ( Ticket # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Experian. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Experian to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern with the way my numerous attempts to rectify a late open account on my credit report have been handled. Despite my persistent efforts to address this issue, it continues to negatively impact my creditworthiness and financial well-being. 

This late open account is significantly affecting my credit score and causing difficulties in obtaining loans, credit, and financial opportunities. I have meticulously followed the appropriate procedures for disputing this issue, including providing supporting documentation and complying with the regulations stipulated in the Fair Credit Reporting Act. 

Despite my continuous efforts, the late open account remains on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial standing and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I request a thorough and prompt investigation into this matter to rectify the late open account on my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the steps taken to correct my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the correction of this issue, I also request that the credit bureau provide a written statement outlining measures taken to prevent the recurrence of such inaccuracies in the future. This is vital to safeguard my credit and ensure that others do not experience similar challenges. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to correct this issue and seek damages for the financial harm caused. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts bel ow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Amount Date Opened XXXX {$17.00} XX/XX/XXXX XXXX  {$0.00} XX/XX/XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX has violated my rights. 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: Money transfer, virtual currency, or money service

I utilize Block as a Cashapp consumer. 
Block employed weak security protocols for Cash App and put my account at risk when I attempted to contact Cashapp support for unauthorized transactions. Block is required by law to investigate and resolve disputes about unauthorized transactions, the companys investigations were woefully incomplete. Block directed me and others who had suffered financial losses as a result of fraud, to ask me to contact my bank to attempt to reverse transactions, which Block would subsequently deny. Block also deployed a range of tactics to suppress me from from seeking help via Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and XXXX and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to honor my rights under the FCRA. Despite dealing with an issue for over one year, Experian has acted unethical and has not conducted the proper dispute process. I called again on XX/XX/2020 to dispute a matter and within 8 hours Experian sent an update on the dispute saying that the information was verified as accurate. I have an active identity theft alert on my credit report and explained my concerns with four accounts that are appearing inaccurate on my credit report. Those items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my report and noticed that you have updated the account which previously disputed, However, there are still ghastly information on my report that is hindering my credit report, and ability to obtain credit, This is a violation of the FCRA 15 U.S.C. 1681.The Fair Credit Reporting Act ( FCRA ) is designed to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Account Referenced : XXXX XXXX Account Number : XXXX
Product: Credit card

I have a Barclays Apple Visa card. I contacted Barclays via a website message to add a 0 % financing promo to my account because I was planning on making a large purchase for the holidays. I then followed up via telephone to make sure the promo was indeed added to my account. A copy of my website correspondence is attached. Despite this, when my purchases posted to the account, they were not placed on the promotional financing plan.
Product: Credit card or prepaid card

I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30 days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccuracies of the bankruptcy reflected on my credit reports. The bureaus and Lexis Nexis alike have stated in their responses that the entries are accurate and verified. This is wholly untrue. In my initial dispute to Lexis Nexis I advised them that the entry was inaccurate and they responded that it was indeed inaccurate. In my next letter to them ( see attached ), I requested the method of verification that was utilized to report this entry on my credit reports. I inquired of the source of the information and how did they verify the details were accurate. To no avail. Lexis Nexis replied ( see attached ) with a standard reply, yet did not address nor correct the inaccuracies that are reflected among all 3 bureaus.

In my most recent communication to them ( see attached ), I questioned them on their re-investigation method. I specifically inquired as to why their company was continuing to reflect 2 different reference numbers among the 3 bureaus for the same entry. These entries are inconsistent and differ in reporting on all 3 bureaus from the filing date ( 2 different filing dates are reporting amongst the bureaus ) ; 2 different reference numbers are reporting among the bureaus ; 3 different courts are reporting among the bureaus. These entries are not 100 % accurate and must be deleted!
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX, 2021, stating that my account was permanently suspended due to a violation of the membership agreement. At the time I had a balance of {$550.00} on the prepaid debit card. I have been trying to contact the company, but soon as I enter my account number into the system, the recording says that no one can help me and hangs up. I have also mailed in a letter to the address listed in the email and still have not heard anything or received my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable Management I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX
Product: Debt collection

Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but XXXX XXXX never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and XXXX payment of {$400.00} ) - I was unable to make payments during the height of COVID. 

XXXX XXXX moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, XXXX XXXX reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, XXXX XXXX garnished an additional {$860.00} from my wages, under the same case number for Jefferson Capital XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid XXXX XXXX {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by XXXX XXXX ). 

After speaking with XXXX XXXX XXXX XXXX XXXX, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card

I applied and received a Chase Bank cobranded credit card with XXXX. I registered it online with my account at Chase, in the same manner in which I registered my other Chase credit cards. As part of the registration, I set it up for automatic payment. The Chase system gave me the option, through a drop-down menu, to use the information already in their system to deduct the payment from my checking account at another institution. Apparently, the Chase system did not populate the existing information correctly for the Fairmont credit card. When it came time to process the payment, the transaction failed. This was all due to an error in the Chase system. 

As a result, Chase charge me interest for the late payment and is likely not to give me the promotional benefit which enticed me to open the account. It is also likely that they will report me to a consumer reporting agency for having a late payment. 

I talked to an individual at Chase by the name of XXXX XXXX. He was completely ill prepared to address my issue and was unable to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on Trans Union, But XXXX  only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2800.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly found incorrect information on my Experian credit report, including inaccurate account details and balances that did not belong to me. Each time, I submitted disputes with supporting documentation to have the errors investigated and corrected. Despite my efforts, many of these inaccuracies remained unresolved or were improperly verified, causing ongoing frustration and potential harm to my credit profile. This has led me to believe that my experience aligns with the allegations in the recent CFPB lawsuit regarding Experians mishandling of error disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer of the United States, I sent Trans Union a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX, XXXX XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies I just mentioned that pay for services from a provider such as Trans Union have not furnished me any sort of documentation within the allotted time frame ( 30 days from XX/XX/21 ) at all. Delete this negative information from my consumer report. STOP using stall tactics. YOU KEEP CHOOSING TO BREAK THE LAW. Your time has been up by law and you have to delete these fraudulent negative items from my report that you should of been deleted in the middle/end of XXXX.