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

I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of
Product: Credit reporting or other personal consumer reports

I Submitted a dispute through experian for an account with XXXXXXXX XXXX XXXX XXXX on my experian report. The account went into late/charge off status due to the insurance companies lack of customer service and turnaround time. Also, Gap insurance was supposed to cover the amount in my account because this was a total loss and they did cover all EXCEPT {$410.00} which was an error on their end. If they would have corrected this, my account would have been closed and never went into charge off. I reccomend never trusting XXXXXXXX XXXX XXXX XXXX, GAP insurance, or experian. They are not reviewing my disputes either.. they are updating them instantly, which is impossible. I submit my disputes at night and there is absolutely no way they are being reviewed. I have requested supporting documents and never recieved. This should all be taken into account and this account from XXXX should be completely deleted, and I want an investigation on them for unfair credit reporting. they are committing fraudlent statements and not supplying required information.
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 m ' 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: Mortgage

I am inquiring about the lawsuit of mismanaged mortgages from XXXX. I have not been contacted and wanted to check if I am eligible.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. Thank you for your understanding and prompt action.
Product: Debt collection

Hi good morning my name is XXXX XXXX I already file XXXX claims with you guys about a debt that they are charging me for stuff i didnt received but i havent heard back from your guys about the decision that was made pertaining to my complaint and my next court date in coming up on XX/XX/XXXX the last XXXX of my social is XXXX I really hope you guys can split justice so i can rectify things with these people please get back to me so I can know wats the next step if i should get a lawyer or something thank you and have a nice day.
Product: Debt collection

On XXXX/17 I payed in full the {$180.00} owed. I have contacted them several times asking when it would be removed from my credit report, they stated 30 days however it is now going on 36 days and still has not been removed. I spoke to a 'supervisor ' and was informed that it will be removed the first week in XXXX. Why do I have to wait this long for it to be removed if I have paid in full and settled it over 30 days ago?
Product: Payday loan, title loan, or personal loan

On XX/XX/20 I placed a call to XXXX XXXX XXXX requesting an extension for a loan that was due on XXXX/XXXX/20. I was unemployed due to COVID-19 pandemic. I was only given a 7 days extension. On XX/XX/20 a payment of {$1000.00} was made to complete the loan agreement and close the account. Several weeks later I noticed that XXXX XXXX XXXX was still debiting payment from my bank account. I called XXXX XXXX and I was told that an account specialist would be contacting. I never received that call. I continued to call them but, no one could help me. I was finally told by one of their reps that there was some false activity done on my account, still no resolution Since then I have received letters from the mail stating that my account is over due and they will send my account to collections and threats stating that I would be reported to credit reporting agencies.
Product: Vehicle loan or lease

Original CFPB complaint logged XXXX. Tesla responded to CFPB complaint, stating they resolved the issue and my lease was terminated on XX/XX/2022 without further recourse. I just received a notice from Tesla via text message indicating that my payment for XXXX was late, which is in error because I am no longer obligated to the lease. I logged into the Tesla portal and found no active cars. When I navigated to past cars, I found my original lease that says it ended on XX/XX/2022 but has an outstanding payment for XX/XX/2022. This needs to be rectified immediately to avoid unwarranted harm to my credit. Tesla does not respond to emails, nor do they send notifications that my email has been received. Therefore, it is unknown if they're actually working to resolve the issue. They only seem to respond to regulatory complaints. I emailed this concern to XXXX and XXXX without response or confirmation of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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, credit repair services, or other personal consumer reports

For several years, Ive been getting harassed by Enhanced Recovery, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, Enhanced Recovery has reported to XXXX, in which I disputed & provided proof of payment, but XXXX  is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 bankruptcy petition Reference Number : XXXX Record Type : XXXX  XXXX bankruptcy discharged Reference Number : XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Never received verification of product-XXXX Never received verification on how it verified XXXX never rec 'd verification of wet document XXXX I have not rec 'd the accuracy of the record. 
IT continue to come back verified, but they replied they have no info on the problem. 
I'm trying to buy house.
Product: Credit reporting or other personal consumer reports

1. Conduct a thorough investigation into the reported inaccuracies for all accounts listed 1.Identity Theft. 
XXXX XXXX XXXX Account XXXX My parent has the same name as me. 
XXXX Theft. 
XXXX XXXX XXXX Account XXXX Please remove inaccurate reported late payments update to paid as agreed XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please Update all payment, all pay was made on time. 
XXXX Theft. 
XXXX XXXX XXXX XXXX Account XXXX Please removed from my public record XXXX Theft. 
XXXX XXXX Account XXXX i dont recall having latepayment on this account XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX 8.Identity Theft. 
XXXX XXXX XXXX  Account XXXX I need to see al bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please investigate and delete from my credit report. 
XXXX Theft. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. 
11.Identity Theft. 
XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between I XXXX : XXXX, TransUnion. I reviewed my credit report and noticed that TransUnion still furnished the same information that I disputed on XXXX XXXX and that's not being reported on the other two reporting agencies. Also, upon request for proof of the information being violated and verified on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to TransUnion. via certified mail in regard to the inaccurate information and how TransUnion did not do a proper Investigative Consumer report. I do not recall that TransUnion has sent out any further communication with me as the consumer in regard to an investigation consumer report but stated on the CFPB website stating that the collection ( XXXX XXXX  ) was updated and not verified. Since TransUnion haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX XXXX  closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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


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

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

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

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

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

During a credit sweep I was notified on all XXXX credit bureaus that I had a numerous account inquiries that was damaging my credit and I called to have it investigated and removed and they didnt respond or remove it I asked for all parties involved on making the decision to add this to my credit report without my knowledge also to verify how where they able to use my personal information to open this account without the proper steps taking by me which I had no knowledge of this account so under section law of the FCRA s 604 it shouldve been removed and they havent done anything to assure me theyd get it done nor have they shown any proof on how my information nor my signature or anything was involved by me because again I had no knowledge of these inquiries thats showing on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax refused to remove the hard inquiries that I did not put there. I never applied or attempted to apply for XXXX XXXX  or any other those things I asked them to remove it. I sent them copies of my ID my address and still nothing. I asked to show me proof For the attempt of applying for cards nothing was sent also One of my debt was paid off in full. I asked him to remove the hard inquiry. They said I have to stay here for 10 years even though I paid.
Product: Credit reporting or other personal consumer reports

I do not think it is fair credit reporting when an account is PAID IN FULL that the credit history of the long term loans such as housing loans, auto loans or personal loans disappear from the credit report which changes the average length of established credit. Consumers should be rewarded with a XXXX years of perfect payments rather than the loan disappearing and tanking the credit score due to the loan being PAID. Why should XXXX years of payments disappear and the average of established suddenly go down to less than 5 years. This is not correct and affects so many consumers that work hard to pay their bills on time. When the loan is paid the established credit length should stay and not disappear. I dont know who needs to fix this or how it can be addressed but it is harming consumers with well established loans and credit.
Product: Debt collection

A strange XXXX male appeared on my land looking for information which he did not receive the first time he had came by as, he began to leave off the property it was noted that he began to write down the license plates numbers of the vehicles on the property. A few weeks later said man appeared on my property once again and was warned that he was trespassing, well said man wanted to argue that fact with the homeowner, which resulted in home owner getting his weapon to stand his ground. In which time homeowners wife persuaded trespasser to get off the property, but before leaving property trespasser was caught on homeowners camera using his phone to record the license plate numbers of the vehicles in the homeowners yard.The third trespass violation occurred on XX/XX/2020 My wife said to have had words with trespasser before he taped a third party debt collection citation to door of my home. And also the citation that the trespasser stuck to my door has This incident was reported to the local authorities and the state attorney general office here in TX.
Product: Credit reporting or other personal consumer reports

I began to receive e-notices with different names attached to accounts in 2024. I responded and told them this is not my account. The harassment and Collection activities pursued and now appears on my credit report.
Product: Money transfer, virtual currency, or money service

on Monday, XX/XX/year> my email and our phone was hacked. I noticed because I started receiving email notifications that someone was requesting pins to reset passwords to several of the apps on my phone. One of those notifications was for XXXX as soon as I started happening, I went into all of my apps and removed the credit card that I had saved on file, but it was too late. The person attempted to charge four different times through XXXX on my Cash app card. My cash app card was locked at the time, but the fourth charge went through according to Cash app the hacker paid using my cash tag even though three transactions were declined. Cash app did not question the fourth transaction. They simply allowed it to go through since XX/XX/XXXX I have attempted to be refunded for that fraudulent transaction. Cash App told me that it would be best to go through XXXX and XXXX sent me back to Cash App both stating that i can submit an appeal to their decision. I submitted the appeal but nothing has been done.I have a pin set to my Cash App for protection. My Cash app card remains locked for protection and yet the hacker was still able to withdraw funds from my cash app account and Im having to fight to get a refund. According to Cash app, my cash tag was used to allow the for transaction to go through, but Ive never added any businesses to my Cash App account. That was all done by the hacker when asked if they have protocol in place to prevent fraud since three of the four transactions were declined the first three transactions. They said yes and provided me with information of all of the things that I can do to protect my account. I have a pin and I keep my card locked I believe I did what I could to protect my account. as for XXXX, the hacker placed the order that immediately canceled it, but I did not receive the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX DOB : XX/XX/1970 SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current telephone number is : XXXX After reviewing my credit report and discovered is still reporting accounts that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure the maximum possible accuracy of the information on my credit report. So, I am requesting you verify the items I am disputing to a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute and obtain either verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed an FTC report and a police report.
Product: Credit card or prepaid card

On XX/XX/2019, I sent XXXX credit card {$250.00} ; keep in mind my limit is {$500.00} I was not over it. Somehow they ate up {$150.00} 's in fees ; the largest fee being the annual fee of a {$100.00}. This is unexceptable. The advertising shows no annual.