23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, 2016 I initiated a dispute with trans union for incorrect dates to my account with the company XXXX so i wanted them to check the dates for this account and instead of them doing so they just deleted record of my account from my file. Since then the amphibious base has reported my car account to them monthly but they deleted it with out doing a proper investigation now when my credit is pulled its as if I do n't even have this account. Trans union needs to get this corrected and added back to my credit report because it is hindering me badly. I am been in contact with the XXXX and they contacted trans Union and it was stated to them that my report is suppressed. I just want my information corrected and trans- union refuses to update my report correctly. this needs to be further investigated as to why they are treating their investigations like this just delete the report so they do n't have to do the work. I have attached a copy of the dispute that i submitted.
Product: Debt collection

I received the credit report from XXXX and I do not think it is correct. Based on the report file # XXXX it was filed in 2013 it was charged by XXXX XXXX XXXX a balance {$260.00} I did not know until I received the report in details. I do not agree with the facts because I was XXXX XXXX XXXX and I was under my parents coverage I believe this was paid by insurance. However why I was be charged for this? I could not visit doctor even I have health insurance? Any thing they should contact my parents who are insured. I am innocent. I am seeking the fairness, please help Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX  on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX XXXX from my credit report is greatly appreciated. 
Thank you
Product: Checking or savings account

I had two accounts fraudulently opened with BoA in my name. When I contacted them to inform them I did not open the accounts and had nothing to do with any transactions, they had me send them a bunch of documents to confirm the fraud. I sent the documentation on XX/XX/23 and have received no updates since then. I want these accounts closed.
Product: Credit reporting or other personal consumer reports

as a formal complaint regarding the inaccurate credit information you have reported. I am extremely distressed that these inaccuracies have been included in my credit profile The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611 Subsection AD, and under FCRA and TILA. Without written agreements, I question the validity of any liability as a victim of identity theft. 
Credit reporting laws require that all reported information be 100 % accurate. Therefore, every measure must be taken to ensure the reported information is correct. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a credit line for home projects from the supplier. When I went to pay the first payment I could not access the account to make a payment. When I called for assistance, they told me the account had an issue with my name and the only way to correct this was to go the branch in-person. I went to the branch and they were unable to correct the issue or give me online access to pay. The only way I can pay this bill is to go to the branch each month. I drive a tractor trailer and am not able to go to a bank during the week so I have to go on Saturdays and Wells Fargo only has XXXX branch open near me and it is a long wait and I prefer to pay online. This is a major inconvenience every month.
Product: Mortgage

XXXX XXXX XXXX transferred our home mortgage loan to the above company XXXX XXXX, 2015. When speaking to XXXX from Nationstar he says that XX/XX/XXXX and XX/XX/XXXX payments were reported to the credit bureaus but it will show blank for those months on the credit reports. Payments from XXXX 2015 will begin to show. 

Working at XXXX for XXXX years, according to the FCRA, payments need to report accurately to the Credit Bureaus. Is there recourse for us? We are trying to obtain another mortgage in a move in a few months and need these payments to accurately report for our scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been corresponding with Lexis Nexis since XXXX. Their timelines do not comply with FCRA. I requested deletion of bankruptcy on file via certified mail 62 days ago. I have not recieved ANY correspondence back from Lexis Nexis. Their reporting of my bankruptcy to the credit bureaus is highly injurious and needs to stop.
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 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 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Citi lied to me about sending a new credit card, then canceled my current credit card, and locked me out of my citi online account. I can't keep track of my bill, and I can't provide them with a credit card number for my new card. I also haven't received any paper statements from them period. 

I've received several phone calls from some XXXX company with an XXXX claiming to be Citi. In XXXX I paid them {$400.00} twice, and then received another call XXXX days later from " Citi '' stating that I haven't made any payments since XXXXXXXX XXXX 

When I call Citi, I'm placed on hold for hours ( seriously ), and offered no explanation as to why Citi closed my credit line ( as I've never EVER missed or been late on a single payment ). I'm assuming they got hacked or something and this is their way of not disclosing this to the public.
Product: Debt collection

I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : APPLE CARD/GS BANK USA XXXXXXXX . I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Payday loan, title loan, or personal loan

So during a national pandemic and stay at home orders at the state level during COVID19! Western shamrock Loans and Attorney XXXX XXXX firm frivolously did a hard pull on my credit without contacting me although they have my number and affected my credit score no where in judgement does it state they have authority to do so as it supersedes the contract in my opinion they are blatantly frivolous in doing so during a national pandemic and they need investigated as they obviously only care about money and have NO care for any Missourian  or citizen of this state with regard to COVID19
Product: Debt collection

Brock and Scott, PLLC has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of XXXX XXXX XXXX XXXX XXXX, who the affiant also has no contract with. This company is XXXX  and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is XXXX XXXX XXXX XXXX XXXX default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al.. 
This company has furnished deceptive forms to a consumer/natural person. XXXX is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within XXXX business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act. 
Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. XXXX XXXX XXXX XXXX XXXX has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule XXXX with the Internal Revenue Service. 
What these XXXX companies are doing is Identity theft. This is illegal and the XXXX XXXX will apply to such criminals as well. 
PLEASE SEE ALL ATTACHMENTS
Product: Debt collection

Portfolio Recovery Associates has used abusive and illegal collections tactics to collect a debt they can not verify with any documents. There is no contract or record of me signing anything. Portfolio Recovery Associates are reporting I owe them a debt of {$480.00} that has fluctuated in the past. The credit reporting agencies have no record of payment history, date of last payment, date of last activity or any information other than collection opened XX/XX/2018. That date has also changed in an attempt to re-age and extend the time they can report their false claims. Portfolio Recovery has broken the law and violated my rights.. Portfolio recovery has violated my right to choose how I would like to be contacted and violating FDCPA 806. Harassment or abuse.There is no date of last payment or last activity or any information linking me to a debt other than dates that constantly change. This is a violation of FDCPA 807. False or misleading representations and 605c .Running of Reporting Period :. Despite several attempts of reporting these violations to the 3 major credit bureaus. Nothing was done to preserve my rights. XXXX seems to have closed the account, but has not deleted as I requested. XXXX and XXXX are reporting the account in collections despit not having any supporting documents, payment history, signature or contract. I request that this account to immediately be removed.
Product: Vehicle loan or lease

In XXXX of 2024 for the first time, I sent Exeter Finance my performance by tender of payment. The refuse to apply it to the principal 's balance so in XXXX of 2024 I sent it again as a second attempt to tender of payment. On XX/XX/XXXX Exeter Finance closed my account. Upon checking my consumer reports it says that the account is paid off/charged off and closed. I contacted them and they said they do not except that form of payment and the full amount of the loan is due. According to the Bill of Exchange, The Federal Reserve Act, Truth in Lending and The Fair credit reporting Act they have to apply my tender of payment once received which I have certified mail receipts saying that was delivered. Instead of applying it to the principals balance my account is now closed and under repossession apparently. I am prepared to take this to the fullest extent of the law.
Product: Debt collection

On XX/XX/2018, I sent a Cease and Desist letter to the public address of the company including my current contact information ( phone, address, email ). The letter requests that the company cease and desist calling family, personal contacts and co-workers and my workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self financial closed account and fraudulent activity sending information to credit reporting agencies trying to keep credit scores below XXXX to keep me from buying a home I think XXXX  may be involved I was sent information to transfer money from one account to another once I made the transaction my account was closed to prevent me from paying with my other account I have reported Self financial to the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX XXXX, Natural Person in full life propria persona status, I had an account with XXXX  XXXX, i paid off any and all balances from my checking out, however XXXX XXXX never could proccess my payments, so i then would get issued A LATE PAYMENT, i adding additional chatges to my credit account, and utilization, thus fraudently creating a story of late payments, I then used A debit card instead, and personally told them due to their infractions i want to close this account, im still receiving hard inquiries and non factual comments on my credit reort, thus lowering my score VIA TRANSUNION, i then called transunion to dispute these inquiries and i opted out and wanted to freeze any all interactions with 3rd parties inquiring or reporting to transunion, and i was unable to " freeze '' the report because they were not able to identify me, i provided my last 4 of my ssn street addresss birthday full name, and sthey stll could not 'freeze '' my report, im askinf this Burea in according with 15 USC 181 1681,2,3 to delete remove all information that does reflect XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX i ahve no auto loans mortges or have loved at any address period ive been here 15 years yet unlawful incorrect info is being reported along with XXXX  XXXX and Transunion not being able to delete hard inquirie sand permanartly freeze my report
Product: Debt collection

This is not my debit. I have never lived at this address or in XXXX XXXX at all. This is not mine and needs to be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : + 128 I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.

Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX  XX/XX/year> Delete these items immediately
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX # XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave Experian 30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.
Product: Checking or savings account

I hope this message finds you well. I am writing to express my concern over a recent encounter I experienced with your bank. 

Recently, I attempted to open a new account with Truist, but unfortunately, my application was declined. The reason provided for this decision was not clearly communicated to me, leaving me somewhat puzzled and disappointed. 

As a prospective customer, I am eager to understand the rationale behind this decision, as it is critical for me to gain a clearer understanding of any issues that may have influenced the rejection. My intention is to rectify any potential concerns and hopefully reapply in the future, if appropriate. 

Could you please provide me with some insight into the reasons for this denial? If there are any outstanding issues, specific criteria that I failed to meet, or documentation required, I would appreciate being informed so that I can address these matters promptly. 

Please understand, this query is not a complaint, but rather a request for better clarity and transparency, which I believe will serve both our interests going forward. I have high regard for Truist and would very much like to become a customer of your esteemed institution. 

Thank you very much for your time and attention. I am hoping for your prompt response to this matter and look forward to your explanation.
Product: Money transfers

PayPal has decided to put a larger portion of my money into a " reserve '' making it unavailable. They claim it 's from a transaction from a company that I 've done business with several times before so with this history, they have no reason to hold these funds. They claim it was because of relatively low activity ( my wife had XXXX, which can easily be verified so naturally my business transactions slowed significantly during this time ) and that I was in a " XXXX '' industry. I own a XXXX. All transactions are paid and when we receive an inventory order, larger purchases by us are made for material costs. This reserve hold in the amount of {$2000.00} is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my XXXX XXXX late XX/XX/XXXX both in XXXX  and XXXX. It shows late XX/XX/XXXX in Equifax. 

This was actually an error by a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.
Product: Credit card or prepaid card

I come to the CFPB portal to report my Credit Card Company is not willing to assist me properly and /or receiving contradictory information in 2 Disputes I filled with them against the same Merchant For 2 Charges One for {$1000.00} for Defective Service Repair I received from merchant, The Second Charge for {$650.00} 2 reasons, 1.- For not Authorized Credit Card Sales because the signature showing in the Credit Card Sales Receipt is not my signature. 2.- For defective and incompetent services received by the Merchant. All this Charges occurred between May 5 thru May 8 2023. The 2 disputes were timely filled with Costco Citibank Visa Credit Card.

In the 2 Disputes I filed I'm invoking " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount.

Charges for goods or services that weren't delivered.

*Charges for goods or services that were received but were not as described*.

Calculation errors.

Charges for which the consumer needs clarification.

Billing statements delivered to an incorrect address.

My 2 Disputes Falls into the categories marked with the sign. 
The Dispute # : XXXX Disputed Amount {$1000.00} falls into the category of *Charges for goods or services that were received but were not as described*. 
The Dispute # XXXX. Disputed Amount {$650.00} XXXXalls into 2 Categories : *Charges not authorized by the consumer* *Charges for goods or services that were received but were not as described*. 
I'm attaching properly support documentation in regards, I feel the merchant Cheat me with the Incompetent Services given and he got pay for something they didn't know how to repair it.