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

The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the 3 Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all 3 credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, Experian, XXXX and XXXX now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft
Product: Credit card or prepaid card

Citibank has ignored the documents I have sent to support a filed dispute and extended time to the merchant repeatedly past given deadlines.I received correspondence from Citibank on XX/XX/XXXX stating that they reached out to the merchant but had not heard back from them and they had until XX/XX/XXXX to respond, the date of the letter I received. Two weeks later I receive another letter stating that the merchant won't give the credit because they did the work. My original dispute included the information that Citibank requested of a second opinion stating they performed excessive labor to drive up the price and still did not provide the diagnosis of the problem. I provided the proof asked for and XXXX XXXX has yet to give me a diagnosis. They only ever gave a parts list of what needed to be purchased and replaced. The mechanic who fixed the motorcycle stated as much in their invoice. Now I am told they have closed the dispute in the merchants favor. 
Secondly, despite an annual fee of {$500.00} I am denied the right to speak to anyone when I call in for any reason at all. This means when I have questions that must be answered in a timely manner to respond to disputes I am told I must send those questions in writing and wait for a reply when an immediate response is needed from the dispute department. Citibank should be representing me as I pay them {$500.00} annually for their service. Instead I get no personalized service while they defer to the merchants rather than standing up for their clients.
Product: Checking or savings account

My account was frozen sometime between XXXX XXXX. I called XX/XX/XXXX because I couldnt deposit a check or XXXX anyone. When I called the bank they said my account was frozen due to fraud. When I asked what fraud they said someone is claiming there was an unauthorized XXXX transaction between me and them for {$200.00}. When I explained to them it was authorized and I have proof, they said there was nothing they could do until the team investigates the situation. I asked how I can send proof to them ( I have screenshots of the person asking if they could XXXX me ) and they said someone might reach out to me but there is no guarantee. I asked when my account will be unfrozen because I have loan payments that bounced back and credit card bills and they told me they dont know. They said maybe 10 days or more. I need access to my account and I have called multiple times to check the status and they have no updates and tell me the same thing. I have tried repeatedly to give them documentation and they say all they can do is add notes. I have evidence that the person is attempting to scam not only me but the bank by claiming fraud. In the screenshots there is timestamps that show him asking to XXXX me and when he did XXXX me.
Product: Mortgage

I have addressed this to both XXXX and to LOANCARE and neither has cooperated with my requests. 


My issue is simple. I want to get a monthly statement on my mortgage paydown. This ceased some months after XXXX pushed my mortgage to LOANCARE. I was doing a fast paydown on my mortgage when XXXX pushed my mortgage to LOANCARE. 


Here is the traffic of email that I have had with both XXXX and LOANCARE during the past 6 months. XXXX has done nothing to help. LOANCARE initially helped but then has done nothing to fix their website to function. I can not see if my payments are being tracked, I can not see my balance, and I have no security to know that my mortgage is being paid down as per my instructions. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Subject Sent Size XXXX ' ; XXXX XXXXXXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) Sat XX/XX/XXXX 87 KB XXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) XX/XX/XXXX 73 KB XX/XX/XXXX XXXX RE : RE : Payment Received ( XXXX ) XX/XX/XXXX 67 KB 'Issue Resolutions ' ; 'XXXX   XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX XX/XX/XXXX 102 KB Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX   XX/XX/XXXX 104 KB  XXXX XXXX FW : RE : Payment Received ( XXXX ) XX/XX/XXXX XXXX XXXX Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 102 KB 'Issue Resolutions ' ; XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 97 KB   XXXX RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 79 KB XXXXXXXX, XXXX XXXX, Ms., XXXX, XXXX/XXXX-XXXX  RE : Question on Loan Care Website and Personal Loan Status XX/XX/XXXX XXXX XXXX XXXX Question on Loan Care Website and Personal Loan Status XX/XX/XXXX 53 KB   XXXX CUSTOMER SERVICE PLEASE XX/XX/XXXX 53 KB  XXXX RE : Payment Received XX/XX/XXXX 59 KB  XXXX RE :   Payment Received XX/XX/XXXX 55 KB -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Recently I communicated on XX/XX/XXXX and then again on XX/XX/2018. Neither XXXX nor LOANCARE has responded to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this account for over a year to get it removed from my credit reports. This is for XXXX in the amount of {$9600.00}. I was fraudulently added to this account as a co-signer I have been trying since XX/XX/2022 to get this removed.
Product: Debt collection

Somebody open the account in my name to pay off a debt that I didnt owe it was a company I checked for work that ended up not doing the job, but billed me an put collections on me I only found out when checking my credit report so it was the workers they sent or the company billing without no accountability or check system an I never signed a work order for any work done or any receipts then they faked my name on a loan at affirm which I didnt authorize because I never replied to the spam email so they took it upon themselves to put a loan in my name an send it to collections I want justice company name XXXX XXXX XXXX
Product: Credit card or prepaid card

My Capital One credit card is 178 days late. We have fallen on hard times. My spouse is ill and can no longer work, we have ill family that has had to move in with us and we are living on limited funds, these are things that have developed since the credit card charges. We do not qualify for any state assistance. So I have been paying what I can, when I can, just not the amount they are requiring to be considered current. I have been notified that my account is days away from being charged off. So on XX/XX/XXXX I contacted Capital One, I asked them for a payoff amount, they offered for me to pay {$9800.00} as my pay off amount. They would only take off the interest, nothing off the principal. They did tell me that sometimes they will reduce the principal and that would mean they would send me the XXXX tax form for principal debt greater than {$600.00} forgiven by cc company. But never attempted to negotiate with me. I asked them if there was any way I could get a reduced amount. All they offered me was a payment plan of {$3800.00} due by XX/XX/XXXX, {$3000.00} due by XX/XX/XXXX, and {$3000.00} due by {$3000.00} to avoid account being charged off. I made it clear that was not possible and would like to settle my account and close it. I asked if there was someone I could talk to that could work with me to settle amount owed. Was given no further assistance was told he knows times are hard and he was sorry for me, and that he will pray for me. I tried reaching out again on XX/XX/XXXX to settle account, this time I was told pay off was over {$10000.00} and was given a number for their higher authority. I am extremely frustrated, I just want to close my account and try to reach a settled amount, all they are encouraging me to do in stay in my current payment program with them so I can get my account current and continue using my cc. I know this is my debt, and I know that it is my responsibility, I am trying to take care of it, It just upsets me that they would rather charge off my account off to a debt collection agency for a reduced amount, but will not help me the consumer.
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX I went into the XXXX store because I was to take part in a XXXX XXXX by what I believed was a legitimate company by the name of the XXXX XXXX. They sent me a check in which I deposited into my BBVA account on Monday XX/XX/XXXX for a total of {$2900.00}. BBVA compass informed me that they were going to put a hold on the check to determine if the check was good and if so the funds would be available on Wednesday XX/XX/XXXX. On Wednesday XX/XX/XXXX it showed in my BBVA Compass Account that the funds were there and so on Thursday XX/XX/XXXX I  proceeded to do the job I was assigned to do and went to the XXXX store in XXXX Arizona located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX that stores telephone number is XXXX. Unfortunately to my surprise I was a victim of Fraud orchestrated by some scammers that made up a phony check, phony business, and ultimately got away with {$2600.00} dollars of my money in which {$600.00} dollars was taken from my bbva credit card and {$410.00} from my BBVA debit card. The remaining balance of {$1500.00} was taken from my debit card from another financial institution XXXX XXXX XXXX XXXX. I would like my money refunded back into my bbva compass account because I feel they are liable for making the funds available when I made it clear to them that I had no knowledge if the check was legitimate and if it was not then please let me know so I could report these scammers to the proper authorities and not have lost my hard earned money. I have called XXXX, the financial institutions involved and have provided proof and they have told me that they can't do anything about this in refunded me my money. The truth is if BBVA Compass bank would've never cleared the check I wouldn't be in this predicament.
Product: Credit reporting or other personal consumer reports

ON MY CREDIT REPORTS THERE IS INACCURATE INFORMATION THAT MUST BE REMOVED IMMEDIATELY. I AM ATTACHING WHAT I SENT TO THE XXXX CREDIT BUREAUS. THE INACCURATE ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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: Credit reporting or other personal consumer reports

In XX/XX/year> a late payment was inaccurately reported. I requested information from all three credit bureaus to retrieve the method of verification and never received a response. After 15 days it's supposed to be a violation of the CFPB. 

I requested the following : - The name, address, and telephone number of the entity or individual that provided the verification information. 
- A detailed description of the procedure used to verify the accuracy and completeness of the information. 
- The date when the information was verified. 
- Copies of any documents, records, or evidence used in the verification. 
- Records or summaries of all communications between all three bureaus and XXXX XXXX XXXX concerning this dispute.
Product: Credit card or prepaid card

My account was suspended or Frozen due to strange activities they claim yet while going through this my money was moved or removed out of my savings and checkings account and the amount of {$630.00}. Without my permission or authorization. My accounts supposed to be secured and yet they allow this to happen.
Product: Vehicle loan or lease

I made a payment of {$100.00} on XX/XX/XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX at XXXX ( I was hung up after asking why they didn't apply to principal ) & XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I made a payment of {$400.00} on XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX and XXXX to have this payment apply to principal only. The company has refused to do as I have requested. 
I made a payment on XX/XX/XXXX of {$250.00}, I had called on XX/XX/XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I called on XX/XX/XXXX who could not tell me why the company moved the payments back to the monthly premiums. He stated he could request the funds to be moved back to principle and I declined since I've asked this 6 other times and the company failed to do what I've asked.
Product: Debt collection

Debt is for {$840.00} Credence Resource Management Is contacting me by phone calls, emails, text messages, they are a debt collector for XXXX! this debt does not belong to me! And as stated in LAW FRCA Section 605B, it is illegal to report Information on my credit report without my permission, thank you please have this removed from my credit report now.
Product: Credit card or prepaid card

I've contacted Capital One through multiple attempts. Pursuant of 15 U.S. Code 1666b, 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. 

The creditor did not send the statements not later than 21 days before the payment due date. 

- CAPITAL ONE BANK USA N ( XXXX ) - CAPITALONE ( XXXX ) - CAPITAL ONE AUTO FINAN ( XXXX ) Attached is the copy of the law.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased tickets through a ticket vendor and used Affirm.com to use the installment option to [ pay off the ticket over time in XXXX. 

At the time of the concert, the XXXX XXXX had no record of purchase - the tickets were not released ( I did not attend the concert ) I contacted Affirm a number of times to address the issue, but they were unable to resolve the issue- every time I called it to seem I was making a new request- not giving me a confidence level that the issue was being addressed. 

Today I received a charge office notice. 

My request from Affirm was to confirm that I received the ticket from the vendor- I leveraged not to pay the cost of the ticket because I was disputing the charge and was not confident if I paid and the issue was resolved, I would be reimbursed based on my interaction with Affirm- I have used Affirm many times and have not had any issue with payments for merchandise and services I have received. 
Loan number XXXX {$330.00} The document uploaded shows the # I was given to retrieve the ticket shows the ticket did not exist
Product: Student loan

Mohela has been sending me bills and statements that reflect accrued interest since XX/XX/year>. After reaching out to them about fraudulent billing and them withholding access to information about my loans, they responded to me on XX/XX/year> and confirmed that they have not managed my loans since XX/XX/year> and that my loans were transferred to XXXX XXXX. They continue to bill me with paper bills and state that they are accruing interest on loans that are in forbearance.
Product: Credit reporting or other personal consumer reports

Within 30 seconds of filing a mortgage application which triggered a credit check, started receiving MANY calls and texts from other companies ( not the one we filed the application with ) trying to sell mortgage and other financial products to us. The number of calls and texts has been completely overwhelming ( > XXXX combined calls and texts EVERY DAY since filing ), and they are happening at all hours of night and day. 
I understand that under current law selling of credit check data by the credit reporting agencies is legal, but I would like to voice strong opposition to that. This has triggered an enormous amount of unwanted calls and texts, without our consent to share that data with other companies. We as consumers don't have a choice about credit reporting if we need to obtain a mortgage to buy a home. It should not be allowed ( without explicit consent ) for an involuntary credit check process to trigger significant unwanted calls and texts. Please put a stop to sharing / selling of credit check data without explicit consent.
Product: Student loan

I received email that the federal loans are being switched to a lending company and also i never had any options for my federal loans due to Covid 19
Product: Bank account or service

I was charged three times by XXXX for a ticket I ordered once. I could not get a hold of anyone at Wells. XXXX people at XXXX, in particular XXXX, threatened to hang up on me despite XXXX rippingme off.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

ARS National Services Inc. contacted me on XX/XX/2019 at XXXX pst in the attempt to collect a debt. I filed a petition for chapter XXXX bankruptcy on XX/XX/2019 and all of my creditors were notified of this filing. It was also listed on my credit report at of XX/XX/2019. I reached out to ARS National following their attempt to contact me despite the Automatic Stay being in place. I told them via online messenger that I had filed bankruptcy and asked them for their address so I could send them the filed petition. They refused to give me the information and said I had to call them and talk to someone. Later that day, I went to XXXX to view my most recent credit report. I noticed that ARS National Services had run an inquiry using my social security number and DOB that same day. On my credit report, it clearly shows that I had filed a petition for bankruptcy protection on XX/XX/XXXX, however, they still called me and attempted to call me to collect the debt, with the belated disregard to my federally protected rights.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by XXXX, XXXX, and TransUnion. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.

1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by XXXX, XXXX, and TransUnion is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the three bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements.

3. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was " verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. 

See Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX