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

I refinanced my house and took out equity to pay off debt. A check was issued from XXXX XXXX XXXX on XX/XX/2023 and mailed on XX/XX/2023 to XXXX XXXX for the full balance on the account, as well as my other creditors who have all since posted my payments with the exception of XXXX XXXX. XXXX XXXX sent me a message through my account portal on XX/XX/2023 ( prior to my XX/XX/XXXX due date ) confirming receipt of the check and advising me they were rerouting my payment to another location. To date, my payment has not been posted and XXXX can not locate my check. They have also falsely reported me as being behind in payments to the credit bureaus and my credit score dropped XXXX points due to the false report. I have messaged the company several times for an update with no response. No one can find my payment. I placed a call to XXXX on Wednesday XX/XX/XXXX when I found out I had been reported to the credit bureaus. The representative told me there was nothing he could do and refused to transfer me to a supervisor. He stated a supervisor would call me back and to date I still have not received a call. I disputed the reports to the credit bureaus immediately. I have had XXXX XXXX XXXX stop payment on the check on XX/XX/2023 and reissue it to pay the account online. I paid the past due balance on XX/XX/2023 out of my own funds in an attempt to get the negative mark removed from my credit report. This should never have been reported and my credit is now being affected. On XX/XX/2023 I paid the entire account in full. On XX/XX/2023 XXXX XXXX reported me to the credit bureaus as being late for the months of XXXX and XXXX and that I still owe the entire balance that has been paid and has cleared my checking account. I have filed a XXXX complaint as well, which XXXX XXXX has ignored. I have never been late on my payments to XXXX XXXX and feel this is retaliation for my constant calls and emails to clear this situation up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out certified letters to Capital Auto Finance on XX/XX/18, XX/XX/18, and XX/XX/18 requesting to validate a debt they claim I owe. From the last certified letter I sent them on XX/XX/18 that was received on XX/XX/18 @ XXXX, they have not responded back in the time frame allotted which is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I advised them that I was maintaining a careful record of my communications with them for the purpose of filing a compliant should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. As they've violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from my credit reports.
Product: Debt collection

This account does not belong to me. I had no prior knowledge of this account it has been opened without my consent after my personal information was stolen from me.
Product: Debt collection

I moved out of XXXX XXXX apartments on XX/XX/XXXX and received a move out notice with remaining charges. The dates of the specific charges incurred were not clear to me or reflected a timeframe of the previous month. The previous month was already taken care of in the following months rent and utilities that I paid. It was confusing so I emailed back inquiring about an explanation of the charges just to make sure they were accurate. I never heard back ever since. I honestly assumed they reviewed it, and adjusted my account. Also I quite literally havent thought about any of this since I moved it. From then until now, end of XXXX. On XX/XX/25, I see that Ive been sent to collections. When I contacted the leasing office, the XXXX said she apologized as the lack of communication was probably due to XXXX, assistant property manager, leaving her position some time after sending my move out statement. I even disputed with XXXX XXXX but its still on my report. I have no problem paying but I dont want this on my report. Why should my credit have to suffer due to their failure to communicate? I never received a response to my email explaining the charges OR a phone call. Not a single attempt to contact me. This whole time, I didnt know I owed anything to them.
Product: Debt collection

I was contacted by a Rose & Associates regarding a supposed old debt from a XXXX XXXX XXXX out of XXXX GA. They told me if I did not agree to pay {$300.00} in 10 days, that attorney fees would be garnished from our checking account. I made a {$50.00} payment over the phone. They called from a XXXX number but told me they were out of XXXX The number that called me was XXXX and the lady was XXXX. They also emailed me a confirmation. Something did not sound right so I googled and found many complaints, leading me to the suspicion that they were a scam and now they have my credit card info.
Product: Credit reporting or other personal consumer reports

I have asked for my credit report. I got it. It has a lot of someone else 's information. I told them. It's not me. Then when they ask for my identity. And I submit the information. They say. That they can not verify it is me. So I write and tell them it is me. And they have in accurate information. I get nothing back. Calling is useless. Because you need to identify yourself. And of course when I do. They say that it is wrong. It's just a big circle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute Regarding Noncompliance Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute incorrect accounts on my credit reports, those are other persons accounts that have been added to my report and have affected my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o, any party that fails to comply with FCRA requirements due to negligence is liable for damages caused by such noncompliance. 

I have previously attempted to resolve this matter on with Experian, XXXX, yet the issue remains unresolved. Specifically, Experian and XXXX has been negligente.g., failing to remove inaccurate information, not conducting a proper investigation, or not providing required disclosures when my name was added to unrelated accounts. This failure to act in accordance with federal law has negatively impacted me, including not be able to acquire business funding for growth of my business. 

As per my rights under the FCRA, I formally demand : Immediate correction of the inaccurate or disputed information.

A detailed explanation of the actions taken in response to this dispute.

Compensation for any damages incurred due to this noncompliance, as provided under 15 U.S. Code 1681o.

If this issue is not resolved within the legally required time frame, I will be forced to escalate this matter by filing a complaint with the Federal Trade Commission ( FTC ), and possibly pursuing legal action. 

Please consider this letter as my final request for compliance. I expect a written response within 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Mortgage

I entered into a loan modification with Bank of America on or before XXXX, which was the due date of the 1st trial payment ( see Offer/Acceptance Letter attached ). I made all 3-month trial payments on time ( see attached payments confirmations and copies of checks ). On XXXX Bank of America sent me a letter notifying me of their transfer of the loan to XXXX XXXX XXXX XXXX XXXX. ( see attached ). I had to cancel my 3rd trial payment because Bank of America wouldn't take the payment. 

I suffered great monetary loss and struggled for a refinance of the mortgage that was transferred to a servicing company that did not have my account set up in their system and that changed the terms of the modification and that added more fees and costs to my account and sent my account to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agencies had ignored the disputes, and the gas bill for {$1000.00} was from the other apartment not mine, the credit bureaus ignored me after i have been disputing it for months, they have ruined my credit specially in this economy and now i can not get anything with that bill that's not even mine so they have damaged my reputation in paper. 
Please hope you can help me with this because it is effecting me more so with all that we have all been through with the pandemic.
Product: Debt collection

Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful  relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Product: Credit card or prepaid card

Discover Card I have disputed two charges in the {$300.00} range to my credit card account in the last year and no matter my argument about the charges they always side with merchants. It seems odd to me that they always side with the merchants because other credit card companies tend to agree with the customers if there are charge disputes.
Product: Debt collection

I reached out to West Lake about the remaining balance on my account and Everytime I'm being told nothing. I've asked for documents pertaining to my account but nothing has been given. 

They took over my account from XXXX XXXX XXXX without my know of knowing so I continued to make payments so I could keep my car. My balance has reflected XXXX and payments have been made. I have attached a screenshot along with my account number proof that my balance is XXXX they've reported it to the bureaus that I'm delinquent with this account. 

Please provide any information regarding my account and fix this with all three bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing a complaint against all three major credit reporting agenciesXXXX, Equifax, and XXXXregarding their failure to accurately report multiple accounts. I have formally disputed the following accounts, but they continue to reflect inaccurate and damaging information on my credit report : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 

XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit. 

XXXX XXXX XXXX ( Account Number : XXXX ) Reported collection account with inaccuracies in the date of the last payment and balance. 

XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

These reporting errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy. The inaccuracies on my credit report have caused significant financial harm, hindering my ability to obtain necessary housing and transportation for my family. Additionally, the negative reporting has contributed to mental health issues such as anxiety and XXXX. 


I seek the assistance of the CFPB to ensure that these credit reporting agencies comply with the FCRA and correct these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen that resulted in a XXXX account being opened for {$140.00} that closed. A bankruptcy thats on my credit file submitted by another company.The court i filed with stated that they do not share that information with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I was not aware of the total amount of the loans. I never received any type of payment, and I don't know where the money went or how it was spent.
Product: Checking or savings account

On XX/XX/, I received a Cash app debit VISA. My name is on the card. I did not set up this account and do not recognize the Cash app tag. 

I immediately contacted the company to close the account. Cash App informed me even though my name and address was on the account, I could not close it because I could not verify the telephone number on the account. While someone used my name and address to open the account, they provided a different telephone number than mine. 

Cash App will not allow me to close this fraudulent account with my name on it.
Product: Checking or savings account

I opened an account with Bank of America on XX/XX/2019 in response to a promotion they were running at the time for {$300.00} account opening bonus. I received an email for the promotion XX/XX/2019 ( see attachment ). I opened the account on XX/XX/2019. I met the direct deposit requirements quickly ( see attached statement ). I inquired at a branch when I would receive the bonus on XX/XX/2019 to which I was told it would take up to 180 days. After that time I called Bank of America to which I was told they would have to research it and they would have an answer within 60 days of that call. It's been way past 60 days and I have not heard from Bank of America.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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

Capital One, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One rep ( s ) refuse to reissue affidavit regarding a check intercepted and cashed in my name, the amount of which is {$4200.00}. Both a XXXX and a XXXX, depending on which rep replies, either flat out refuse to reissue or refer back to party whom cashed check in which case it is not my responsibility to do so. Even so, the party is unreachable, has blocked out messages via XXXX. The reps refer to a prior statement made, : I was able to obtain funds from person '' or similar thereof.. The funds were in form of a check which did not clear and even verified in with XXXX XXXX, the issuing bank... This information was provided to Capital One previously, still refuse to investigate... I request the CFPB look into Capital One 's handling of this matter dating back to 2018, a XXXX XXXX replied by implying the party whom cashed check is related, did nothing more.. I disproved her implication and she still refused to do anything further. As stated prior, even if the person is related, does not mean the funds weren't stolen as they were.. Capital One reps do not seem to understand this and or simply refuse to move on matter.. I request the CFPB look into Capital One 's entire handling of this matter dating back to 2018, launch an investigation in re.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 us 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violates 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 cost significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I had a Citibank Checking Plus - Which is an overdraft protection in XXXX. I closed the account around XXXX. The balance I believe at that time was $ XXXX {$400.00}. Citibank continued to take out automatic payments out of my account. 

I have been paying those automatic payments for over 13 years. I havent gotten a statement in many years. I was closing my credit card today and wanted to see the balance of my checking plus, I was puzzled why I still even had an account open, even if it was the minimum payment due. The gentleman on the line told me I owe {$530.00}! I said that is impossible, I havent made one charge in 13 years. 
They told me they stopped sending me statements years ago and they can not see my transactions because my account is closed. I stated how can you not see my transactions when you automatically take money out of my account for 13 years. 
I was transferred around several times to no avail. They would not close out my account. This is an erroneous error on Citibank and I have now paid over {$2500.00} on a supposed {$530.00} amount that never deteriorates. I would like this account completely closed. I also want to make a complaint since they were siphoning money from me for years. I do not want this to happen to anyone else.