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

I filed a dispute with all three credit bureaus because M & T Bank is not properly reflecting my on-time payments or monthly payment amount. I received the disputes back with no changes made, stating that M & T reviewed and verified the information. They either completely ignored the request or are purposely attempting to delay proper reporting. It already took them over two months to onboard my loan and reflect in on my credit. The least they could do, is provide accurate information. 

This is the second time that I have had to file a complaint because M & T Bank simply will not fix anything unless you go to extreme measures. 

I made on time payments for XXXX, XXXX and XXXX. Neither the XXXX nor XXXX payments are being reflected on any of my reports. Additionally, they have my monthly payment as {$2900.00} when it should be {$2600.00}. Although it may seem inconsequential to this mortgage company, they are required to provide full and accurate reporting.

I have pulled the true and accurate information directly from their own website, showing on time payments and my monthly payment. The fact that they could blatantly state that they reported accurately, but the truth is right there for them to see, is extremely unprofessionally.

Please see attached screenshots reflecting my name, loan number, payments made on time and my true monthly payment. Kindly do not close out this complaint when M & T responds, as they have a habit of claiming things have been resolved when they haven't ( My first dispute was not completed satisfactorily, at all )
Product: Credit card

XXXX 2015 received credit card statement from Macy 's. Balance was {$110.00} and I paid it in full with a XXXX XXXX check. When I again received my statement in XX/XX/XXXX it showed a non payment and interest and fee attached. I checked my XXXX XXXX Statement and check was cashed XXXX XXXX electronically by Macy 's. I faxed my bank statement to payment research a department I believe is with Department Stores National Bank. XX/XX/XXXX and XX/XX/XXXX statements have still not been corrected to a XXXX balance on my account. I went to XXXX XXXX for assistance and was told they could not provide me with the transaction number because it had been to many weeks and they were not able to retrieve it.
Product: Credit reporting or other personal consumer reports

FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Creditors and furnishers of information must report accurate and complete information. Reporting a charge-off while simultaneously attempting to collect as an active account is misleading and constitutes inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ) It is unlawful for a creditor or collector to misrepresent the legal status of a debt. If the debt was charged off, it should not continue to be reported as active collection by the original creditor.

FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) A charge-off remains on a credit report for seven years from the date of first delinquency. However, the creditor can not continue to update the status as if it is currently past due when it has been charged off. 

These are the accounts being illegally reported XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must validate a debt within 30 days of my request before continuing collection. If they fail to do so, they can not legally collect on it. 
FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices, including attempting to collect a debt that is not legally owed due to incorrect assignment, lack of validation, or expiration under the statute of limitations.

FDCPA 813 ( 15 U.S.C. 1692k ) I have the right to seek damages if a collector is unlawfully attempting to collect on a debt they have no legal right to.

Below are the accounts from Collection agencies being illegally reported. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

Never received any notice of this bill until it appeared on my credit. I don't have gas service to my home. Once disputed, still didn't receive validation just a letter with the balance on it. They continue to call my job and I never authorized anyone to contact me at work. They call my mobile phone as well. When I answer, it's a robocall and no one responds. When you call them, you are put on terminal hold waiting for a rep to answer. I want this removed from my credit report immediately as I do not owe them anything.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

you and your account. 
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I submitted my claim and tried to het a refund but They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information as inaccurate account status on 4 separate occasions directly with the XXXX and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.
Product: Student loan

I am currently in default regarding my private student loans, I have XXXX different loans, serviced by different providers. One provider has contacted me through a debt collection company called National Enterprise Systems. 
The person on the phone was extremely rude in regards to my situation, had no regard to what I was explaining. The person threatened me and my co-signer regarding the debt. The person insisted I call him back within the hour with a solution to my debt. They are pressuring me to put the amount owed in a personal credit card to resolve the issue when I have XXXX credit. 
They insist on this option and no other means to resolve are provided. They told me I needed to call my co-signer that instant and give them an answer within an hour or else they would personally call the co-signer, my father, who is an XXXX man and is retired. The person was rude and insensible. 
I am XXXX and my current salary is XXXX, I would be better off working as in a supermarket, I have XXXX kids in school and am barely getting by. I know the debt needs resolving, buy am not going to accept that kind of pressure.
Product: Checking or savings account

Since filing my initial dispute with Chime on XX/XX/year>, I have faced continuous challenges in resolving XXXX unauthorized transactions on my account. After escalating my complaint to the CFPB, Chime responded, but despite my requests, they have yet to provide the documents they used to conclude that no errors were found. 

Out of the four online banking apps linked to my XXXX XXXX, XXXX XXXX, and XXXX XXXXChime is the only institution that has denied my claims. The other three have investigated and all three ruled in my favor and refunded my money. Chime 's persistent denial feels like they are questioning my integrity. 

I suspect the issue may be related to my XXXX XXXXXXXX thats missing and been stationary since I upgraded to a new device. As an employee at a XXXX XXXX XXXX XXXX XXXX which has the XXXX XXXX XXXX XXXX contract so we have anywhere from XXXX men staying here in treatment at a time. my phone is not always with me, which might have contributed to the situation. My research indicates that similar incidents have occurred, involving unauthorized access to personal information, sometimes implicating XXXX and the criminals use some device to gain access to your account information. When XXXX looks at your transactions it looks like you made them, when in fact you did not. 

Despite Chime 's awareness of my financial hardshipssuch as impending utility shut-offs, overdue rent, and credit card paymentsthey have not provided any refunds for the transactions they approved on my credit builder card. This ordeal is devastating, and even if I eventually recover my funds, the damage to my credit and mental health will take years to mend. I am deeply disappointed that a company I trusted with my finances has not supported me and instead, has resisted at every turn. 

I believe Chime has violated my consumer rights under the EFTA and Regulations E & F by failing to provide requested documentation. I suspect they hastily denied my initial claim to avoid issuing a credit and have not complied with the regulatory requirements to investigate and report errors within the specified timeframes. 

Recently, I requested the case be reopened and was informed by supervisors that an internal investigation was underway. I was assured of receiving provisional credit by XX/XX/year>, yet today, I learned my claim was denied again. This delay far exceeds the 10 business day period typically expected, and I am left without resolution. 

I urge the CFPB to investigate this matter thoroughly, as Chime 's actions have caused significant financial and emotional distress. Thank you for your attention to this urgent issue.
Product: Debt collection

XX/XX/21 a certified debt validation was sent out to PRA. XX/XX/21 PRA sent 2 statements neither correspondence validated the debt. XX/XX/21 an notarized affidavit of fact was sent to the company certified. Portfolio Recovery Associates LLC has violated my rights as a Federally protected consumer. The following violations were found with Exhibits to prove so. 15 USC 1692e ( 11 ) False or Misleading Representation - failure to disclose that the debt collector is attempting to collect a debt. 15 USC 1692b ( 5 ) Acquisition of location information - the debt collector shall not to use any symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692d ( 1 ) Harassment or abuse The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692j Furnishing certain deceptive form, and TILA 15 USC 1605 - Fact this is a consumer credit transaction using a credit card where the creditor accredited from when a finance charge is involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XX/XX/XXXX {$0.00} 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 {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corp XXXX - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXXXXXX status update XXXX XXXXXXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time XXXX - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXXXXXX balance updated XXXX Reporting illegal transaction history. 

XXXX & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974
Product: Money transfer, virtual currency, or money service

Step one : I won money from online Sports contest I choose XXXX as my payout method Step two : I went to XXXX XXXX XXXX type in XXXX. XXXX popped up. So I downloaded app & made my account. Maybe I didnt set it up the right way. 

Step three : I hit the receive button, copied the XXXX link and sent it to the contest provider, Step four : the provider sent the money VIA XXXX XXXX have proof there nowhere to send image on here but can provide ) Step five : confirmation that this wallet exists ( also have proof there nowhere to send image on here but can provide ) Step 6. I will Admit that have only have this app for about XXXX hours. So, I dont think XXXX setup the XXXX word the right way. 

Bottom line is the provider sent the money to that wallet because I sent them the link to that wallet. and there is confirmation that the payment went through.
Product: Vehicle loan or lease

This is re case # XXXX. Ford Motor Credit states that it appears I XXXX XXXX, formerly XXXX XXXX and time I allegedly purchased the car for a 3rd party. FMC has continued to refer to the XXXX as justification to have pursued debt collection. I am requesting all paperwork and documentation FMC has regarding the alleged loan I cosigned for. I have never been able to determine who maintained insurance on the vehicle, who was the registered owner or who made payments prior to the vehicle being wrecked and repossessed. FMC pursued garnishment of wages for a car I never purchased and I assume FMC knows this and decided they would file a lawsuit against me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that accounts disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My purse was lost at the airport. I called Self credit card company to report my card lost. They reported the card lost and told me the card had been used so I filed a dispute. They refunded my money and about a month later they posted the charges back to my account. I'm not paying for something I never ordered nor received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance {$67000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX  Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I have never had any outstanding accounts with XXXX, I have never owed any payments to XXXX, I see that this is affecting my credit history and the illegality of reporting erroneous information is against the law As a lawyer specializing in financial law, I am here to inform you about the illegality of reporting erroneous information in a person 's credit history, in accordance with current legislation in the United States. 

Specifically, the reporting of inaccurate information in the credit history is regulated by the Fair Credit Reporting Act ( FCRA ), which was enacted in 1970 to promote accuracy and fairness in credit reports. According to this law, consumers have the right to have their credit reports contain only true and accurate information. 

The FCRA establishes that : The inclusion of erroneous or incomplete information in credit reports is prohibited. Consumers have the right to dispute the accuracy of any erroneous data and to have such information corrected within a reasonable time. 

Obligation to Correct : If information contained in a credit report is found to be incorrect, the information provider must correct it immediately. If a dispute arises over incorrect information, the credit agencies must investigate the dispute within 30 days.

Damages : If erroneous information is not corrected and causes harm to the consumer, the consumer is entitled to compensation for the damages incurred.

Similarly, the Code of Federal Regulations ( CFR ), in particular Title 16, Part 660 of the FCRA, establishes sanctions for companies that do not comply with the standards of accuracy in the information reported. 

In short, it is illegal to report erroneous information on a person 's credit report in the United States, and any action that violates the rights of consumers in this regard is subject to the sanctions stipulated by the Fair Credit Reporting Act. 

If you believe that incorrect information has been reported on your credit report, I suggest that you immediately contact the appropriate credit reporting agencies and exercise your right to correction under the terms established by the FCRA. 
Here is the item I am asking you to verify as accurate : XXXX account : XXXX XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

To whom this may concern, my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof to XXXX that I was in fact a victim of this data breach. XXXX has already deleted We Financial account from my credit report as a resolution and now I am asking that Experian and XXXXXXXX Delete this account immediately. Please help me delete this illegal account from my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a sofa from Macys.com using a newly opened Macy 's store credit card, totaling {$2100.00} inclusive of tax and shipping. The website had advertised that furniture purchases had available promotional financing, including 0 % APR for 18 months, if you used a Macy 's credit card. I opened the card explicitly and solely for the purpose of taking advantage of this promotional APR. I called Macy 's customer service to place the order, and the phone rep worked with the credit department to open my card and apply the promotional financing. A few days later, I called Macy 's customer service to inform them that I had ordered the wrong version and wanted to cancel and order the correct version. They did this, and the charges were the same ; however, when I checked my Macy 's credit card statement a few months later, I found that the promotional APR had not been applied and that I was being charged the full interest amount from day one ( 27.49 % ). 

When I discovered that I had been charged the full APR, I contacted Macy 's customer service via secure messaging on their website on XX/XX/XXXX informing them of this situation. The customer service rep indicated that I was only eligible for the 12-month 0 % APR promotion. " Upon review, it shows that the 18-month interest free promotional offer had a minimum purchase amount of {$3500.00}. In this case, the said purchase can only be eligible for the 12-month Special Event. We can request a transfer to the promotional account. You may reply to this email or call the number provided below to confirm if you would like us to submit this request. '' I replied to their message on XX/XX/XXXX ( I admittedly did not realize I needed to confirm my intentions to get the promotional rate as I believed they would proceed after my initial contact ) saying that I wished to proceed, and on XX/XX/XXXX they indicated they would submit the request. On XX/XX/XXXX I received a letter from Macy 's requesting that I call their customer service number as they need more information to fulfill my request. I called that same day and spoke to a customer service rep who indicated that my purchase was NOT allowed to be transferred into the promotional APR. He did not provide any explanation as to why not.