23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sued me back in XXXX. I agreed to a settlement prior to a judgment against me with XXXX XXXX XXXX XXXX. I made my payments. in XXXX I moved from XXXX  to XXXX. I tried to make my last few payments to XXXX XXXX and they told me that i they no longer were able to take my payments. spring forward XXXX  years. I am trying to make some repairs on my home. I apply for a loan. The judgment appears on my credit report and now I am not able to get a loan. My report says it is a judgement and it was never ruled a judgement by the courts in XXXX. In addition, I made all of my payments on time as directed by the settlement. XXXX XXXX stopped servicing my payments in XXXX. I never knew this was on my credit report as I did check all XXXX credit agencies periodically.. Now I have a judgment that should not be there and no way to figure anything out as XXXX XXXX is in Utah and has no information except that XXXX took everything back from them and now shows the full amount before payments and settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX 15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX and XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account. I attached the paid in full letter, payment history, and my Experian credit report in this complaint as well.
Product: Credit reporting or other personal consumer reports

victim of credit card fraud XXXX XXXX Was reported to XXXX, Funds was given back late fee and late payment was reported to credit which is inaccurate.
Product: Debt collection

On XX/XX/2019 I sent dispute letters to the credit bureaus, requesting they remove this account from my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account XXXX which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXXAccount Number : XXXXUnknown - **Dispute Reason : XXXX  Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : XXXX. **No Permissible Purpose : ** I have not given XXXX or any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

XXXX. XXXXInaccurate Reporting : XXXX The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

XXXX. **Lack of 1099-C Form : XXXX  I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

XXXX. XXXXImproper Notification : XXXX I have not received proper notification of this collection from XXXX or the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights. 

I appreciate your prompt attention to this matter and look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.
Product: Debt collection

Continue to report unverified and inaccurate information on my consumer report causing harm, & emotional distress. Violate the FCRA and violate my rights as the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, {$490.00}, Coming of deferred payment due to XXXX XXXX reported my account 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper marked me XXXX days late on a mortgage payment in XX/XX/2023. This is not correct. I was in a loan modification process. I never missed a mortgage payment
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to inadequate services and unfair practices, which violates the Consumer Financial Protection Act. Specifically, Cashapp 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 and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress on this issue
Product: Student loan

Since XX/XX/2022, I have been trying to have my loans transferred from XXXX to MOHELA, with no success. In XX/XX/2022, I applied for XXXX, requesting to consolidate two loans, but leaving the others unconsolidated as they were already direct loans. I did request that all loans be transferred to MOHELA. The loan consolidation was successful, but the other loans were not transferred to MOHELA. Since then, I have called both servicers multiple times, often waiting on hold for hours. Each time, both servicers say they are waiting for the other servicer, and that I should wait " 60-90 days ''. I have waited that amount of time, only to have nothing proceed. Whenever I have called back, each servicer says there was some nondescript error, and say they have " resubmitted it '', and that I should wait another 60-90 days. It has now been one year with no progress. In particular, MOHELA staff have been incredibly unhelpful, often with hours-long wait times to speak to someone who just tells me to wait.
Product: Credit card or prepaid card

On XX/XX/2020, I called Chase to request a credit line increase since the holidays are approaching. The representative stated that there will be a hard pull from my credit report. For the record, my credit score with XXXX is XXXX, XXXX is XXXX, and Experian is XXXX. I even have a XXXX Bankcard Score 9 of XXXX which is exceptional. The representative placed my call for a long hold. When she came back she indicated that the request was denied and could not tell me the reason. She also indicated that I will get a letter in the mail indicating the reason in writing. I got the letter and the latter states : " Too many installment loans other than mortgage, automobile or student loans. '' I disagree with this since my credit behaviors speaks loudly that I am a low risk customer and I also have excellent credit across all bureaus. I have never missed a payment and to me this is not acceptable. I get mailers all the time to open savings and checking accounts with Chase, after this rejection ; I will not even entertain such offers from an organization that rejects excellent paying customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have fraudulent data removed from my credit report and customer message service wouldnt help me and Im not able to submit a dispute through Transunions website and Im not able to view my report, updates, or prior disputed information on my Transunion account. The only way I know anything about my Transunion credit file is through the email I received from other credit monitoring services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and no results. I need this resolved ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have gotten daily calls for weeks from XXXX XXXX XXXX ( # XXXX ).  I have no credit account with them. They can not locate my name or phone number on any of their accounts. They say they have no records for me and have no idea why they have my number. I have asked them 7x now to stop calling me. Three reps said they can not remove my number from their call list. The last 3 reps I spoke with say they will remove my number, but the calls continue. I may have to file a police report for telephone harassment, as a last resort. I have filed a complaint with the Federal Do Not Call Registry, but the calls will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information that is incorrectly listed on my credit profile with all three major credit bureaus. 

The account is listed as XXXX Balance : {$4500.00} Balance Updated : XX/XX/ Credit Limit : {$4500.00} This information is inaccurate as the credit limit is {$5000.00}. I have taken screenshots from the mobile app as well as the portal showing this to be correct which means that this must be reflected on my credit reports immediately. 

I have attached the screenshots as well as a copy of my ID for verification.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to correct late open accounts on my credit report through Credit Bureaus. Despite my persistent efforts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing. 

The continued presence of late open accounts on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter. 

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entries on my credit report.

Provide written confirmation once the corrections have been successfully made. 

I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX  XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 states that I, the consumer , have the right to privacy.

15 USC 1681b states a consumer reporting agency may not furnish a consumer report without my written instructions.
Product: Credit card or prepaid card

Please refer to case number : XXXX for background. 

I was assaulted and had my wallet stolen. One of the thieves ran up charges on my Best Buy Citi Visa card. 

This is the worst credit card I've ever owned in my life, and I can not wait to dump it once this gets resolved. 

That month, I paid off more than my entire interest bearing balance less the fraudulent charges. 

I was assessed {$15.00} in interest that month, because the citi had not removed the fraudulent charges from my account. Because of that, I was carrying an interest bearing balance for the month. However, if you reduced the interest bearing amount by the fraudulent amount, then I actually paid more than what I owed for interest bearing purchases. 

Fast forward to today, I received a letter stating that they determined the charges were fraudulent and they refunded the fraudulent amount ; however, they never refunded the interest. 

The assault happened on XX/XX/XXXX. It is now XX/XX/XXXX, and after repeated calls and time wasted, the money is still not refunded.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$14000.00} XXXX {$550.00} XXXX {$1900.00} XXXX {$78.00} XXXX {$60000.00}
Product: Debt collection

XX/XX/2023 {$640.00} Purchase XXXX XXXX XXXX ; XXXX GB, XXXX and Unlocked I tried to email PayPal ; to no avail I called PayPal support number ; XXXX. XXXX. Tried to access my laptop. 

XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( obviously not me ...!!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this investigation, notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX  ( XXXX XXXX of XXXX ) XXXX ( XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Mortgage

Fact that Wells Fargo Bank thousands of Borrower denials for Mortgage Loan Modifications on otherwise eligible Borrowers is with clear documentation. Class Action Suits are pending. Wells Fargo denial in my case, was because they claimed my income was from Social Security only, ignoring the self-employment that qualified me for the XXXX in the first place. After denial of an Appeal, Wells Fargo Claims, due to a different address on my Tax Returns and fact I live and work out of the XXXX, with utility Bills paid by others, I had no proof I lived in the Home. Final denial was because I resided in the XXXX using it as XXXX, and made transfer property into " Charitable Trust '' thus, I did not pay property Tax, Wells Fargo said Balance on the Loan would be do because I sold the House, which again they were in error, as I retain ownership when XXXX is in that " Charitable Revocable Trust. ". As an ex-employee of Wells Fargo I 'm aware that any government insured loan, this Bank forces recourse option with any loan in default to collect from the government, lies about possibility of approval of a modification, using the Scammer Tactic, I.e., claiming " from initial information on your application '' wait for an underwriter approval prior to making further payments as your modification will be approved, while at the same time processing the XXXX for foreclosure to collect from the government.
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 section XXXX A.States that I have the right to privacy. 

15 U, S.C 1681 section 604 A section 2.It also states that a consumer reporting agency can not furnish an 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 with antedates the report by more than sever 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account : FINANCIAL CREDIT NETWORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report shows this account was opened XX/XX/XXXX. The account status is paid/closed as of XX/XX/XXXX. The responsibility is as individual, and the original amount was {$310.00}. This account states that the original creditor name is : XXXX XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX XXXX. I have no knowledge of FINANCIAL CREDIT NETWORK. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX We recently received the final payment from the Hardest Hit Fund for our mortgage. Since our financial situation has not changed due to me being diagnosed with a XXXX XXXX and my husband being off work due to having XXXX, we have been given conflicting information about a different program, similar to HHF, that assists with mortgage payments. 

We want to keep our home but it has become very difficult to make informed decisions when our mortgage company continues to give us completely inaccurate information or claim they dont have any information to provide at all. This is costing us valuable time in the race to save our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$170.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Persolve in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022.
Product: Debt collection

I mailed several letters to Affirm Inc. requesting verification this was my debt, as I did not recognize what it was for or to whom it was owed. Letter sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX debt is for {$330.00}
Product: Credit reporting or other personal consumer reports

am filing a formal complaint regarding an incorrect reporting issue on my credit file for an account with XXXX  XXXX XXXX XXXX. 

The comments on the account correctly state that it was " PAID CHARGE OFF '', indicating that the balance has been settled in full. However, the payment status still reflects " Charge-Off '', which is inaccurate and misleading. This contradiction could negatively impact my creditworthiness and does not accurately represent the resolution of this account. 

Issues Found : Contradictory Reporting The " PAID CHARGE OFF '' status in the comments confirms that the account was paid in full, yet the payment status still reflects " Charge-Off '' instead of " Paid '' or " Settled in Full. '' Potential Violation of Fair Credit Reporting Act ( FCRA ) Incorrectly reporting a paid account as a charge-off can be considered misleading and damaging under consumer protection laws. 
Unjust Negative Impact The incorrect status is harmful to my credit profile and does not accurately reflect my financial responsibility.