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

The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on Equifax credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and Equifax that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

Equifax : XXXX XXXX Cash card is still showing on Equifax as charged off but no update on to the payment status being paid in full and after speaking to the Equifax 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on Equifax as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct
Product: Debt collection

Hello, how are you doing today? Im writing about transition world first of all they contacted me with someone else information. I gave the lady my correct information and it wasnt me so that was removed two weeks later. I get another bill from XXXX because I gave her my address she didnt even have my correct addressand bring up an old bill that I dont even remember having Ive been. and bring up a old bill that I dont even remember having Ive been having XXXX XXXX XXXX  for the last five years Ive been saying on my credit for the last few years, but seem like she noticed that and directly added these items to my credit this should be harassment
Product: Credit card

Dear XXXX. 
I offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. 

Thanks for your time and attention XXXX XXXX
Product: Debt collection

Midland Credit Management has been harassing me for years over a debt that isn't mine. They ignore all requests for validation and send threatening letters and harass me on the phone. They are vulgar and disrespectful.
Product: Credit card or prepaid card

i was sent a us bank reliacard in the mail. i have no idea why, as i am not on any govt benefits or unemployment. i suspect it is fraud. i called us bank fraud dept, and was told that they could not help me and my call was forwarded to a number that tried to get me to put in my social security number to activate the card. there is nothing on their menu for fraud. after sitting on the call on hold for over an hour, it was disconnected for no reason. called back in, and same thing happened again. around an hour on hold and then disconnected for no reason. so not only has someone potentially committed fraud in my name, the horrible customer service of the bank has no willingness to look into the matter. i have lost now 3 hours of my work day trying to deal with this mess.
Product: Money transfer, virtual currency, or money service

PayPal has made an error during transaction that was refunded, and when a payment to me was refunded, it was taken out of my balance twice. The funds from the payment were always on hold and never released to me. I tried to refund the buyer and it removed those funds from the pending balance and still tried to withdraw the money from my linked bank account. Then the funds were refunded by PayPal and my balance was reduced by the refund amount. Now my balance is negative {$600.00}. The refund was {$600.00}. I was never given those funds so it is not possible to go negative when refunding them.
Product: Student loan

Hi, Years ago I had financial difficulties arising from unemployment and surgical bills. During that time most of my student loans went into default or deferment. I am now on my feet and have resolved all my old issues. All of my student loans are current, except my private student loans for XXXX XXXX XXXX through Access Group ( held by XXXX. ) These are in collections in the amount of $ 40,000+. I have been paying XXXX every month for years, but the amount is still high and wo n't be paid off for a decade. This leaves me with horrible credit ( It would be almost perfect without these collections as I pay everything on time now that I am working. ) I ca n't get a mortgage for a house and my interest rates are high based on my credit score even though I have perfect credit card payment history. I have been trying to resolve this with both XXXX and Access Group for over a year, but they will not help me rehabilitate or discuss anyway to get this removed from collections besides paying off the amount ( at 50 % charge off discount. ) I would immediately get a personal loan for XXXX to pay it off, but with the collections on my credit report I ca n't even do that. I called the XXXX XXXX department of Access Group again today pleading with them to help me resolve this in some way - I have no issue paying my debt, but having this in collections is affecting every aspect of my life - I almost did n't get the job I have now because of them. I was hoping CFPB may have dealt with this lender/collection agency before on this issues and that there was some way to help debtors in this situation. I realize they are private, but they are servicing student loans, so I would have thought they would be more amenable to people who were trying to do the right thing. Any help or information CFPB provides would be greatly appreciated. I had a complaint about 3 years ago that CFPB helped resolve so I know what a great help your agency can be. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXXXXXX, XXXX XXXX, AND XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Equifax inaccurately reported account information XXXX XXXX XXXX XXXX  ) is reporting negative date XXXX reports XXXX not paid but on Transunion its positive please have Equiax report the correct as paid positive. 
XXXX XXXX XXXX XXXX  ) is reporting negative XXXX XXXX on Transunion its positive please have Equifax update accurate information. 
XXXX. ( XXXX XXXX ) On Equifax is reporting twice please erase XXXX. 
Transunion union is false reporting ( XXXX XXXX ) XXXX negative but its positive on Equifax please update
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts on my credit report. Equifax and XXXX won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING  FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY
Product: Credit reporting or other personal consumer reports

They have fraudulent inquiries on my Chex systems report and a fraudulent account I have not had to ability to log into my account in over a month. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX no had permission to open these fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account Comenity CapitalXXXX XXXX end, violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, or report amounts once the account has been closed arbitrarily.

15 USC 1666B : A credit card account under an end consumer credit plan as late for such purpose
Product: Credit reporting or other personal consumer reports

THEY REFUSE TO REMOVE BANKRUPCIES EVEN AFTER I SENT A LETTER FROM THE BANKRUPCY COURT STATING THE COURT DID NOT VERIFY ANY INFORMATION AND TRANSUNION IS STATING IT VERIFIED
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Dear Sir or Madam : I am writing to dispute the following information in my Experian credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have these accounts placed on my report by Experian. Please remove these accounts immediately, as my rights are being violated. Legal action shall be taken against this company, should these accounts, inquires and addresses below not removed from their report. 


Please update me, when these items are removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 


Also known as XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX NY XXXX Accounts XXXX XXXX XXXX XXXXXXXX Account : XXXX ADDRESS XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX VA XXXX Inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX, XXXX XXXX Enclosures : Im enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Product: Credit reporting or other personal consumer reports

After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Account was paid off in full, but they didnt state that it was paid. This account was to be completely deleted. It not showing not the report a few month ago Now it is back on was also supposed to be deleted. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.
Product: Mortgage

I made the last payment in XXXX then I received a statement that my account was in suspense at that point I called Fay Servicing to ask what that meant. They told me that I owed an additional {$5.00} which had to be wired to them and I was given the address XXXX XXXX Bank the aba number and the account number. I did as instructed waited four days then contacted Fay Servicing to verify that they received the money and what was the next step. I was not able to speak to my loan officer by the name of XXXX XXXX have left several messages for her and have not received and response I have been told that there is still {$73.00} in suspense and no one I have talked to can tell me how to get it payed on my account and my account closed. 
I have also asked to speak to her XXXX XXXX XXXX and received any call back. I was also told to e mail both of then which I have also done and have no reply. I don't know what more I can do to get my account closed. I now feel like a XXXX to this company. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Addendum to complaint XXXX As of XX/XX/22 I have now been charged a total of XXXX $ in overdraft fees. This is within ten days time. There has also been {$360.00} deposited in my account, which should have covered the initial {$120.00} my account was short
Product: Credit reporting or other personal consumer reports

I had a collections account opened from XXXX with an amount of {$330.00} in XXXX when I left my phone plan with them and switched to XXXX XXXX. So that originally hit my credit at that time when it did not get paid. I got another notification in XXXX  that the SAME collections debt had apparently been sold off to another debt collector by the name XXXX XXXX who was now handling the XXXX collections, which they then hit my credit again in XXXX  when they resubbmitted the collectons debt to the credit reporting bureaus, dropping my points by XXXX points. So not only are they making it appear that the debt collections is newer, which it is not. But they are also rehitting my credit a second time, and reaging the debt so anyone who looks at my credit report now assumes I got a collections 2 years ago. Which was actually 4 to 5 years ago. I tried to call the debt collector company and they said there was nothing they could do, they purchased the debt from someone else which is why they had to resubmit it. They said all I could do was pay it off, and they would remove it. Which is FINE, I plan to pay it off within the next month or so but I want it dated correctly on my credit report before I pay it off. I know it can not be removed fully until after 7 years, but it should be dated XXXX on the original collections. I tried to dispute with XXXX, and Experian, but they both denied this on their end, I assume the company told them the same thing I am unsure. They might have thought I was asking for it to be removed, I am not. I want the debt, aged correctly. Just because they purchased the debt from someone else doesn't mean they can hit my credit again, making it appear like I just did this in XXXX. Its a lie, and not fair to me and how hard I have worked to get my credit up and pay things off. I have increased my credit by over XXXX points in the last 3 years, and them doing this has knocked me down by XXXX points. I just got rid of an account that was over 10-12 years old that tried to do the same thing and got those points back from XXXX XXXX  on XXXX alone . I am still waiting to hear back from Experian on them. It is wrong they think they can do this to people just because. Them doing this has also hit my credit showing that I have 30 day late payments, 60 day and 90 day. I have NO late payments for years. They are classifying it as late payment towards a collection. is that even allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and XXXX  both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).
Product: Student loan

The debt collection agency Regional Adjustment Bureau is trying to collect {$18000.00} for an old private student loan, even though the 4-year California Statute of Limitations on the original loan has expired. They call my cell phone, and the phones of my family members, constantly. Sometimes, they do n't even say anything when I pick up. When I do speak to any of their representatives, they are always rude and threaten to sue me or take me to court over the debt. They have also put my debt in collections, which affects my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$570.00} LENDMARK XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystem failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from fifth third bank was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from chexsystem. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 consumers financial protection act ( CFPA ). specially, Cash app failed to take timely and effective measures to protect in address fraud on their platform. and leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process with unfair and this deceptive as they did not comply with error.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX XXXX # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX **XXXX XXXX  XXXX XXXX ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Dear CFPB Representative, I am writing to formally lodge a complaint regarding my ongoing issue with Experian Money Checking. My account, ending in XXXX, was temporarily suspended following a transaction I made, which triggered a fraud dispute. Experian requested that I submit a written statement verifying my last payment, which I have done on XXXX separate occasions. 

Despite complying with their requests and providing the necessary documentation, my account remains suspended. This has resulted in significant financial hardship, as I have been unable to access my funds for an extended period. Due to the delay in XXXX review and resolution process, I have missed rent payments and am now facing a financial crisis. 

I have contacted Experian multiple times, explaining the urgency of the situation, but I have not received any meaningful updates or resolution. The lack of response and continued suspension of my account has caused me to incur additional financial strain, and I am now seeking assistance from the CFPB to resolve this matter. 

I request that the CFPB investigate this issue and take appropriate action to ensure that Experian Money Checking promptly reviews my statements and unsuspends my account. 

Please find attached any relevant documentation related to the fraud dispute, my communications with Experian, and the impact this has had on my financial situation. 

Thank you for your time and consideration. I look forward to your prompt assistance in this matter. 

Sincerely, **Jamarice Archer**