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

XXXX is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to Equifax, XXXX, XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job XXXX to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax has XXXX XXXX XXXX or organization name is Arkansas XXXX XXXX XXXX the amount is XXXX date XXXX  XX/XX/XXXX. Also Fraudulent information on Credit Report with Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Freedom Mortgage ( loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent my account from being vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with the Error Resolution Requirements under the Electronic Fraud Transfer Act ( FETA ) and Regulation EXXXX 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 XXXX XXXX XXXX federally protected consumer have been a victim of Identity theft. I have contacted XXXX 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.
Product: Student loan

I currently owe more on my student loans than when I first borrowed for my XXXX ( back in XX/XX/XXXX and my XXXX in XX/XX/XXXX ). Over the years I have been forced into forbearance never informed that the interest would continue to accrue. I have specifically called and asked about repayment and forgiveness options and been given incorrect information. I called recently to follow up on Federal Repayment which I was told I would be eligible for this year. I was told I was never eligible, requested they review my phone calls from the year before which they claimed they could not find. I was told to consolidate which would have taken me 25 years to pay off with new interest when in fact if I continue paying them off the way I am now I would be done paying them off in ten years which they did not tell me. I have been a XXXX in XXXX for the last ten years and am a mother of XXXX. I am struggling to get by and live paycheck to paycheck. I was never made aware of other options than forbearance in the past and never told about forgiveness or repayment options and given false information when I asked directly. During my last conversation with Navient when I requested for them to review my phone records which they " could not find '', I was assured I would get a statement recording my complaint filed with Navient which more than two months later has not been sent. In XX/XX/XXXX I was told to consolidate my loans to be eligible for loan forgiveness which I did and then was told that I was never eligible. This consolidation, I believe, increased my interest to the point where I now owe more than originally borrowed.
Product: Money transfer, virtual currency, or money service

First off, thanks for a website like this. Its very welcoming knowing website agencies are out and helpful to fraud scam activities. With that being said ; my husband XXXX XXXX, already has a claim with you referring to the same circumstance. Mines is just less amount money. I sent money USING ZELLE ; through XXXX XXXX XXXX, who Ive contact on behalf of this whole circumstance, and it seems they dont WANT TO do more in order for me getting MONEY REFUNDED. THE COMPLIANT ID IS XXXX. I would like to use the same information on submitting my COMPLIANT. its a ZELLE situation but I dont like factoring how my BANK just doing less amount of help they could for a customer of theirs. Ive been with XXXX  XXXX XXXX for 10+ years and Im angry this happen but Im hoping to get this MONEY REFUNDED back and just Be resolved with this ordeal. Picture are attached from THE XXXX FRAUD SCAM for proof along with XXXX  XXXX XXXX letter
Product: Mortgage

I have a complaint with Flagstar Mortgage company and their staff. On Friday XX/XX/2023 I reached out to Flagstar Mortgage who currently services my home mortgage and asked if there was any short term assistance with getting my mortgage caught up as at the time it was only a few days late ( not more than 30 days ). One of the representatives from Flagstar I spoke with presented a few options and one of them was a forbearance due to a weather event in my area ( XXXX, TN ) which would allow me to catch up the payment and I said this would definitely help. I agreed to this but I should have known something was suspicious because the agent told me I would still receive phone calls from Flagstar about my mortgage payments being due. 
Fast forward to XX/XX/XXXX, XXXX received a letter from Flagstar stating I missed my mortgage payment for XXXX and I need to enroll in a program to stop potential foreclosure. I called them back immediately and after speaking to another agent I found out that the forbearance was applied from XXXX to XXXX already ( while I was still current on the loan ) and the offer from the previous agent was not a real option and I had to enter into a agreement to pay a lot more over three months to get the mortgage caught up. How could a company be so unprofessional- I wouldve been fine if I was told the truth back in XXXX, but because of this companys incompetence, I know will have a late payment posted on my credit report and Im in a bigger bind. I will pass the word to friends and family to stay far away from Flagstar
Product: Credit card or prepaid card

I have a Barclayscard Arrival + Mastercard. I use this card for one exclusive purpose ; it provides travel cancellation and interruption insurance. Barclays advertised this point as a marketing tool to get consumers to sign up for the card. The insurance benefit is {$5000.00} for a trip. Based on Barclays prior reputation, I trusted them to honor and to have this benefit for piece of mind. 

When I went to file a travel claim based on XXXX XXXX filing bankruptcy and getting stuck with {$600.00} of cancellation fees that were not reimbursed to my Barclays card, I submitted a claim only to have it declined. 

I have since appealed and I have not heard back from anyone acknowledging the appeal or the fact that I disagree with the decision. 

I find the insurance benefit to be very deceptive, unfair and misleading. I provided a valid explanation along with extensive support documentation for this claim.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit. I dont recognize it and didnt authorize it, it is being reported by a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$7200.00} 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

Cash app XX/XX/year> I had uber take {$30.00} from my account and I didnt not authorize it. I live in XXXX, Illinois and the Uber made in XXXX XXXXXXXX Californias This happen multiply times since then and to help with fixing any issue with the Cash App Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Chase Sapphire Preferred Visa account on or around XXXX with a reference number of Reference Number : XXXX. 

The denial letter I received electronically from JP Morgan Chase Bank advised my XXXX credit file was used to make the denial decision. 

On XXXX I noticed JP Morgan Chase had also inquired on my XXXX credit file. The disclosure that XXXX was utilized in the denial decision was not disclosed in the denial letter I received. JP Morgan Chase also stated that per XXXX I had opened too many credit accounts recently. XXXX stated that the last account opened was XXXX of XXXX JP Morgan Chase advised that they can not discuss my application in detail due to an incorrect phone number on a security alert per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

After discovering negative and unauthorized information on my credit report -Accounts listed below-, I suspected identity theft and immediately contacted XXXX to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, XXXX denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that XXXX has not fully investigated the potential identity theft tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 

Accounts and address in question BELOW : XXXX ) XXXX XXXX XXXX - Amount {$3800.00} XXXX ) XXXX XXXX XXXX - Amount - XXXX XXXX. XXXX XXXX - Amount - XXXX XXXX. XXXX XXXX XXXX - {$670.00} INCORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ca, XXXX
Product: Vehicle loan or lease

I ordered a vehicle and did not understand that so much $ was going to accumulate in interest over the term. The total cost of the vehicle including borrowing was not clear and I was not shown a truth in lending disclosure. I did not see or sign a loan agreement that included a truth in lending disclosure.
Product: Money transfer, virtual currency, or money service

When Zelle first started they never put it on the page to make sure you were sending it to the correct person so time back I sent it to the wrong person and they wouldnt reimburse me
Product: Mortgage

On on or about XX/XX/XXXX I contacted my mortgage servicer by phone, Shellpoint Mortgage Servicing, to request an escrow analysis because I have {$6500.00} in my escrow account after my city taxes have been paid. My city tax and fee bill of {$5600.00} was paid in full to the City of XXXX, VA on XX/XX/XXXX and thus I have paid my taxes in full for XX/XX/XXXX totaling {$11000.00}. 

I am requesting that the balance be returned to me as I already have an escrow portion of my monthly mortgage that will sufficiently cover my first half XX/XX/XXXX city tax and insurance payment. If, for example no surplus is returned to me, by the time my city taxes are due again in XX/XX/XXXX I will have approximately double what I need to cover escrow items. 

I contacted Shellpoint Mortgage Servicing again on XX/XX/XXXX by phone after they sent me only a very small check for {$150.00}, which wasn't close to the amount I expected to receive since my taxes have been paid. After multiple failed and shifting explanations to reconcile why they could not provide me with my surplus escrow, they requested I send them a screenshot over email of the publicly accessible XXXX   City website showing that my taxes and fees have been paid in full for XX/XX/XXXX, something their own escrow department would have been able to access. I sent them a screenshot of this information on XX/XX/XXXX. 

On XX/XX/XXXX I received an email in reply stating that I am welcome to pay my taxes independently but that they would not do an escrow analysis until the annual analysis was due. Further, Shellpoint would not update my tax info and that they would continue to pay my tax bill without reference to the fact that it has already been paid ( XX/XX/XXXX ) and that payment predated their most recent mid XX/XX/XXXX escrow analysis. Both facts that I have communicated on several occasions and facts that should have been revealed in their escrow analysis. 

I am simply requesting that the surplus be returned to me. I understand that they can not hold more than 2 months cushion for escrow purposes. Instead they are telling me that I can not get my escrow surplus returned to me at any point in the near future.
Product: Debt collection

Recently, I disputed an account on my credit reports that is being reported by FirstPoint Collection Resources. The results of the dispute came back as 'verified and accurate '. Thus, I wrote a letter to FPCR asking them to provide me with the documents used to validate this debt. However, the letter that I wrote was returned to me due to the letter 'not being deliverable as addressed '. I checked the letter and the address matches the address that FPCR has listed on my credit reports. Thus, instead of re-sending my letter I have attached it to this complaint along with the proof of mailing. In short, FPCR needs to send me a copy of the original contract and full accounting for the amount owed, using generally accepted accounting principles.
Product: Credit reporting or other personal consumer reports

I went to hgreg to inquire about a car. I told them not to run my credit as I wasnt sure what I wanted to do and I would contact them to let them know. I have a witness who was with me and the guy XXXX who works at the XXXX location said he would not run my credit. As soon as I left the company ran my credit 7 times. I ask him why he did that and he said he forgot I asked him not to. I had my friend with me who can verify he said he would not run my credit. I asked to speak with a manager but no one would talk to me and he refused to take my calls and wont call me back. Its not right that companies can do this without any type of repercussions.
Product: Credit reporting or other personal consumer reports

Upon purchasing my vehicle, I was told that my payment amount was different from what the actual payment really was. I started off paying what I was told my car note was, and when I paid it, the dealership or finance company kept telling me it was a different amount. Once I would pay the amount, I was told that I was still not paying the correct amount. I would then either pay the amount that was verbalized to me or I would pay 2 payments sometimes in one month.

Nevertheless I was being marked 30 days late on my credit report multiple times when I was never 30 days late paying this account. The late payments that are reporting on my credit report are errors and need to be corrected as this is destroying my credit rating. This problem was not my fault but the fault of the finance company or dealership that gave me incorrect information.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Ally Bank re their lack of action regarding a fraudulent charge by XXXX. On XX/XX/XXXX, I made an online purchase from XXXX for {$66.00}. The purchase was acknowledged by the merchant. I discovered too late that XXXX has a history of taking money and not sending the merchandise. This is precisely what happened to me. 

By XX/XX/XXXX, I gave up on XXXX and disputed the charge via Ally Banks online form. It is now XX/XX/XXXX and Ally has failed to reverse the fraudulent charge, despite numerous requests from me via secure messaging. Suddenly, some time prior to XX/XX/XXXX, Ally decided that my dispute could *only* be processed via written forms which they claimed to have sent which have not been received. On XX/XX/XXXX, Ally confirmed that, upon review, they had my correct address. I have had no further contact from Ally. The charge has still not been reverse. My orders page at XXXX has been scrubbed but I screenshotted the page prior to scrubbing. 

Thus, Ally has done nothing but play games and drag their feet over a clearly fraudulent charge. 

Thank you.