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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I was contacted by National Credit Adjuster regarding a speedy cash debt. I was sent a letter if paid by certain date the debt will be paid in full and will report to any credit agency. I contact the collector and setup a payment date of XX/XX/XXXX. I called and paid the balance on XX/XX/XXXX. I requested my receipt never received receipt and have just seen the account hit my credit as a collection account. I have contacted the company left voicemail and sent a complaint. I have spoke will multiple representatives who pass the responsibility around and offer no help.
Product: Credit card

In short, I applied for a Citi card and was unreasonably denied because Citi refused to verify my address and have not conduct required verification in good faith. 

I applied for a Citi AAdvantage card and was denied due to my address on the application can not be verified. Application ID is XXXX. The address I've put down is currently on one of my active Cti cards and have been on my credit report since 2014. Some of my current ( and also likely some closed ) Citi cards have had this address on record within the last 5 years. Stating that my address can not be verified seemed ridiculous, as if they are too lazy to conduct such a trivial task. In addition, no further reason was given beyond the aforementioned, and that no documents were requested for me to prove that the address is valid- which is very unhelpful and disappointing, given that a credit inquiry was recorded on my credit report.
Product: Mortgage

In XXXX I lost my job and had to relocate to a new state to find employment. I put my Delaware condo on the market but it failed to sell. I found a renter but the renter asked to break the contract after only 3 months. I put the condo back on the market, and again it failed to sell. In total I had the condo on the market for over a year with barely any interest from potential buyers. 
In late XXXX I found a new renter. I then began the process of requesting loan assistance from Bank of America. On the application, I selected " Undecided '' to the question " I want to a ) keep the property b ) vacate the property c ) sell the property d ) undecided. '' I have been unable to get through the application process because Bank of America 's underwriter apparently believes that I am a business owner, when in fact I am not. Several years ago my investment advisor got me to invest in a XXXX XXXX XXXX, XXXX. This is an investment fund that provides financing for construction equipment, industrial materials, and the like. Investors receive interest payments on money that the fund loans to businesses. XXXX I receive an IRS Schedule XXXX ( Form XXXX XXXX each year. 
Bank of America has demanded that I provide business tax returns such as an IRS Form XXXX. They insist that I am an owner of the business and that I must provide this information. They have also asked for details such as the XXXX salary, profit and loss statements, and more. This is not information that I can obtain. XXXX and the only information that I can get is on the Schedule XXXX. 
I have provided the XXXX numerous times, and I have submitted many letters explaining the situation. I have offered to have my investment advisor contact Bank XXXX. I also reached out to XXXX and asked if they can provide any help. This has all been to no avail. Each time, the underwriter responds that I must submit business tax returns. This is not possible since no such documents exist, and XXXX declined to provide any information other than the XXXX. 
Yesterday XXXX of Bank of America 's representatives told me that since I am not able to provide this non-existent documentation, I can not continue with loan assistance. I also found out that even though I marked " undecided '' on the application as to what I wish to do with the condo, I had been assigned to the Loan Modification department, and will have to begin the process anew if I decide to pursue a short sale or a deed in lieu of foreclosure. I do n't understand how " undecided '' means " please decide for me. '' Today I reached out to Bank of America 's via XXXX and XXXX, and I received multiple responses that were nothing more than rehashes of the underwriter 's incorrect statements and requests for documentation that does n't exist. 
I am close to defaulting on the loan because even with a renter I ca n't cover the cost of maintaining the condo. This is about to break me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, XXXX, XXXX credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( LEXIS NEXIS ), and a FULL REPORT FROM XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my report that was not authorized by me. I've ask for these to be removed and still nothing so next I will file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK has an open amount on my credit report exceeding {$20000.00} from ... ... XX/XX/2015 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.
Product: Debt collection

On XX/XX/XXXX I was contacted by a locating service that refused to identify themselves. They provided a " Case number '' and a phone number. I contacted the phone number and provided the case number. I was put in contact with XXXX XXXX. I was terrified of this " Locating service '' they used. I agreed upon a settlement ( {$310.00} ) that day but during the course of this conversation, I asked the representative of XXXX XXXX ( The Debt collection company ) to email me verifying the debt. I received no email. I had already scheduled the payment at this point but was too scared to do anything about it. The payment arrangement defaulted. I received a threatening message on XX/XX/XXXX saying this was going back to a Locator and " Good Luck ''. I called XXXX processing at XXXX AM to arrange a different settlement and attempt to avoid the '' Locater ''. All settlements were rejected after a XXXX call. At XXXX PM I received another call stating the payment declined, I was sent to the locater and " Good luck '' again. I have still never received either by email or mail, a written communication that I owe this debt. I am terrified to be " Located ''. My Home address is with the original company. I am also absolutely willing to settle this matter.
Product: Mortgage

I purchased my home in XXXX and fell behind in XXXX. I had requested a modification and was denied. In XXXX my home was in process of foreclosure. XX/XX/XXXX we had a hearing and thats when NationStar decided to allow me apply for a modification. I got approved in XX/XX/XXXX. My payments went from {$1300.00} to {$1200.00}. What does nt make sense it that after for 3 months they raised it to {$1300.00}. They added {$12000.00} to the principal and I had to start over with 30 years. Therefore the 10 years I did pay didnt make a difference. I feel I was scammed because how does a modification help me for 3 months. I have nt made a payment since XX/XX/XXXX because I can not pay {$1300.00}. I was adjusting the modification payment. I need help on keeping my house. Mortgage companies like NationStar/Mr Cooper only set up the customers to fail. Plus my payment included loan insurance so it a no lose for them. Therefore why should I lose my home. I called a few times left my # and no one has called me back as of yet.
Product: Money transfer, virtual currency, or money service

I am filing against cash app ( Block Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ) .Specifically cash app failed to take timely and effective 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 Funds Transfer Act ( EFTA ) and regulation E. These actions haves caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

on XX/XX/2019 a charge had been issued to me in the amount of {$990.00} by the Sound Screening Service with no previous attempts to collect any amount of money and no knowledge of any charges going to a collection agency. XX/XX/2019 the charge has been raised to {$1000.00} still with no contact and no knowledge of what these amounts are for or why they are in a collections agency to begin with. ( the only reason I have these dates and amounts is because I have found them as markings in the collections tab on my XXXX credit report )
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Experian, XXXX XXXX and XXXX on XX/XX/2023 for validation. I also dispute with these companies online directly. These companies violated federal law 15 USC 1681 ( A ) ( 2 ) ( i ), 15 USC 1666 ( B ) and 15 USC 1692 ( G ). I also requested that these abusive, deceptive and unfair debt collections, charge offs and late payments are removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Experian in reference to XXXX XXXX XXXX card showing as charged off in the amount of {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Navient, formerly Sallie Mae, Overcharging interest, interest rate, my payments dont seem to paying down principal of loan, negative reports on my credit score even though Ive been paying monthly for 8 years!
Product: Payday loan, title loan, or personal loan

XXXX XX/XX/2021 I called BestEgg via phone and requested my auto payment to be canceled due to changing banks until further notice. The request was said to be done. I made a one time payment from XXXX via Bestegg website. One time payment of full payment due amount {$890.00} from XXXX on their website after the phone call. 
XXXX the auto payment was canceled so I made a one time payment from a new bank XXXX XXXX, the payment was successful. 
XX/XX/XXXX, I am confused why the XXXX account is on autopayment and then uncover BestEgg double billed me in XXXX. I made a one time payment from XXXX XXXX and an Auto Recurring from XXXX. I asked again for the autopayment to be canceled on XX/XX/2021. 
The bestegg.com website itself does not allow me to setup any auto payment, only one time payments. Bestegg must have decided to help themselves to my XXXX account in XXXX. Called Bestegg on XX/XX/2021 to discuss this mess.
Product: Payday loan, title loan, or personal loan

well the account was charged off being my monthly payments more than doubled. It was harder to keep up payments. Well last week, they drafted two payments from my account over {$700.00} but tried to draft three payments at one time, but the bank rejected the last one. During this COVID-19 ordeal money is tighter than usual and for them try to get 3 payments out my account is ridiculous. My entire check was gone! I heard of businesses offering customers a 3 month moratorium, I just want to know was this action lawful under the fair debt collections policy
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian FAILED TO EXPLAIN in a recent complaint to them ( submitted through the CFPB! ), WHY a POSITIVE CREDIT ITEM WAS REMOVED FROM MY CREDIT REPORT BEFORE 10 YEARS HAD ELAPSED! Experian 's response to me over the previously submitted complaint, stated that EXPERIAN 'S " credit report policies '' keep a " positive credit item '' on a consumer 's credit report for 10 YEARS ( my positive item-a STUDENT LOAN PAY OFF! ) was removed after only EIGHT YEARS! WHY? 

WHY does Experian REFUSE TO ANSWER QUESTIONS SUBMITTED TO THEM, even through CFPB?
Product: Mortgage

Cardinal Financial Company ( Limited Partnership ) offers a bi monthly ( every two weeks ) payment option that requires the mortgagor to allow electronic fund transfers/debits from their banking or brokerage accounts. 

I do not allow any financial entity to access my brokerage account and I pay almost every bill or invoice through XXXX 's Bill Pay system. 

After setting up a bi monthly payment process for my mortgage payment I was informed by Cardinal that they would not post any " partial payments '' and they would only post my payment to the mortgage account only after my payments had accrued to a full payment thereby defeating the purpose of executing a bi monthly payment system from XXXX 's Bill Pay system. 

When I spoke to a manager about this process she asserted that the only way I would be able to achieve a bi monthly payment process was to allow Cardinal to debit my brokerage account for payments every two weeks. 

I asserted that I did not think that they could legally postpone my bi monthly payments if I was paying them every two weeks from XXXX 's Bill Pay system as internally they offered the same option but require direct access for debit disbursements from my brokerage. 

With the plethora of cybersecurity breaches that occur almost weekly now - I, as a concerned and knowledge cybersecurity professional DO NOT want to provide access to my brokerage accounts to any business entity for any reason. 

XXXX XXXX firms provide a Bill Pay service that electronically transfers my payment to Cardinal 's Mortgage processing system/business entity. 

Therefore I am questioning the legality of Cardinal 's bi monthly payment process and would like to see if a determination can be made if they have a legal foundation for their current policy of only allowing bi-monthly payments to be executed only if the customer allows access to their banking or brokerage account for those payments. 

Cardinal Payment Processing Entity ( XXXX XXXX XXXX XXXX ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

XXXX XXXX XXXX XXXX XXXX XXXX TN Child Support
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Equifax are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i. 
Remove the inaccurate late payments for the months listed above from my credit report. 
Update my account history to accurately reflect my timely payments. 
Attachments A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 a company in which I am a 50 % owner, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX  in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX  and XXXX  report, and three of them on my XXXX  report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.