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

XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and TransUnion sinceXX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card

I have contacted the company, Fifth Third Bank, over the course of three years ( XXXX ) to send out a physical card for use. The bank has stated they would send out a card on multiple occasions and never did. XXXX of XXXX, Fifth Third Bank closed my account due to inactivity. I contacted the bank asking for proof that they actually sent out a physical card and they could not provide me with this information. I asked for an explanation as to why my account was closed if they did not send an active physical card and received no explanation.
Product: Debt collection

I responded in writing to the letter from Snellings Law, LLC. I got dated XX/XX/, on XXXX XXXX XXXX  advising this was not my debt. The debt collector advised he was an attorney and was suing me. I called, and no response. My family member called, and they took a message. A call was returned a week later advising they did not have information. My family member requested more information in the call. A male identifying himself as XXXX XXXX advised he did not have any information about the debt. The reported group, providers, and how the debt was caused. The family member continued asking questions about the TIN # and PIN #, CPT, dates of service, and where the service was provided. The guy finally gave the TIN #. There were more numbers that he found and gave. 

I called my insurance company and also located the EOB 's that stated I did not owe any money further to any medical providers. This was the balance billing of an IN Network provider for In-Network services that they accepted the fees for from the insurance company. I opened a case for balance billing with the insurance company. I am supposed to go to court still? this is not my debt.
Product: Mortgage

I have disputed Wells Fargo Mortgage 's smokescreen response to Case number XXXX. 

In reviewing the detailed statement for the escrow account ( attached ), another problem, a more serious problem is apparent. 

The bank failed to record my escrow payments. 

I have made all my payments, in the amount of XXXX, since XX/XX/2016 when my Chapter XXXX was successfully discharged. Prior to that, I made all payments timely to the Chapter XXXX Trustee which paid the bank. 

The bank 's " Escrow Account History '' ( attached ) shows that ZERO ACTUAL Deposits to my Escrow account were made. 

What did they do with the money? I paid. I have records of all the payments. 
Wells Fargo is playing more tricks on consumers with their " alternative math. '' How can they be allowed to take the money from me and NOT apply it to my account? 

Now, in the related case Case number XXXX, they are trying to claim my Escrow has a " shortage '' -- that will REDUCE my payment. That makes no sense. If there is a " shortage '' my payment should go UP. 

What did the bank do with the money I paid for escrow? There are 6 months showing ZERO. For each of those months, I paid the full amount due -- that includes taxes and insurance escrow. 

That 's {$1800.00} that the bank shows as missing from my account. Where is my money? What did the bank do with my escrow payments?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX  was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX  fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable under the Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. Professional Debt Mediation Company Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX  ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a list of disputes on my report that was ot resolved as per the FCRA. 
1. XXXX XXXX XXXX XXXX - Account number XXXX Reason # XXXX : Terms is reporting incorrecly as 89 months, which it is suppose to be 72 months. 
Reason # 2 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Monthly payment is being reported as {$0.00}, but if that is the case then the late apyments needs to be removed or the account needs to be removed from credit report. 

3. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type is " Cell phone '' which according to FCRA does not constitutes as a reporting item on your report. 
Reason XXXX # : the previous disputed listed the account marked as a collection on XX/XX/XXXX, but the updated dispute list the account marked as collection on XX/XX/XXXX. Both errors violate FCRA and needs to be removed. 

4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 

5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 

6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 

Typiclly, I try and handle things with the CRA themselves, but Experian has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. 

I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed.
Product: Money transfer, virtual currency, or money service

I received a 1099-K IRS form from Block Inc. / Cash.app on about XX/XX/XXXX XXXX for transactions processed by someone who used my Name, address, SSN to set up an account. Starting in XX/XX/XXXX through XX/XX/XXXX they processed 426 transactions for a total of {$38000.00}. 

I have contacted Cash.app via their app and via phone at XXXX multiple times over past 3 weeks. explained the situation over and over and all they say is they will update via email. But they never update. meanwhile I assume the fraud continues in my name and under my EIN. 

This income which is not mine was also reported to the IRS. I need this corrected with the IRS so I can file my return without being held liable for this fraudulent Income.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding the account with XXXX XXXX XXXX XXXX, listed under the following details : Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$25000.00} I am formally requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, which holds you liable for negligence in failing to properly investigate and verify information. 

I believe that this account is being reported inaccurately and that XXXX XXXX XXXX XXXX has failed to properly verify and validate the balance, status, and other details of the account as required by law. Despite my previous attempts to resolve this issue, no satisfactory resolution has been provided. As such, I request that this account be immediately removed from my credit report. 

I ask that you thoroughly investigate the accuracy of this information and update my credit file accordingly. If you fail to do so, I will consider pursuing further actions for civil liability as prescribed under the law for non-compliance with investigation and reporting requirements. 

Please confirm receipt of this dispute and notify me of the outcome of your investigation within the 30-day period as required by the FCRA. 

Thank you for your attention to this matter. 

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

I reported to you XXXX XXXX for incorrect information on my credit report. They fixed it on my XXXX and XXXX but not my XXXX. XXXX sent me a letter saying they fixed the issue and I have that letter but its not fixed on my XXXX report.
Product: Vehicle loan or lease

I am writing this letter to express my concern about the unfair and deceptive practices of Mercedes-Benz Financial Services . As a dedicated patron of Mercedes-Benz since XXXX I have always been impressed with the company 's commitment to excellence. However, my recent interactions with Mercedes-Benz Financial Services have been anything but excellent. 

In particular, I am troubled by the following : Misreporting of trade-in credit : When I purchased my current Mercedes-Benz, I was assured that I would receive due credit for my trade-in vehicle. However, this credit has not been accurately reflected in my financial records. This has resulted in an undue financial burden and an inaccurate representation of my financial standing. 
Undisclosed cash down payment : I also made a cash down payment of {$5000.00} at the time of purchase. This substantial contribution was made in good faith, with the expectation that it would be properly acknowledged and reflected in my financial arrangements. However, the absence of this acknowledgment has further contributed to the existing confusion and imbalance in my financial records. 
Credit score impact without justification : Despite having a commendable credit score, I have been unjustly penalized with a negative credit score impact. This adverse consequence has transpired before the payment due date, a violation of ethical practices and a detriment to my overall financial stability. 
These actions on the part of Mercedes-Benz Financial Services are not only unfair and deceptive, but they also violate several consumer protection laws, including : The Consumer Financial Protection Act ( CFPA ) : The CFPA guarantees consumers the right to accurate and clear information regarding their financial agreements. Mercedes-Benz Financial Services has failed to provide me with this information, which has caused me financial harm. 
The Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that creditors report accurate information to credit bureaus. Mercedes-Benz Financial Services has failed to do this, which has resulted in a negative impact on my credit score. 
The Equal Credit Opportunity Act ( ECOA ) : The ECOA prohibits creditors from discriminating against borrowers on the basis of race, color, national origin, sex, marital status, age, or because they receive income from a public assistance program. Mercedes-Benz Financial Services has discriminated against me by failing to provide me with the same level of service as other borrowers. 
I am requesting that the Consumer Financial Protection Bureau investigate my complaint and take appropriate action to hold Mercedes-Benz Financial Services accountable for its unfair and deceptive practices. I also request that the Bureau take steps to ensure that Mercedes-Benz Financial Services complies with all applicable consumer protection laws in the future. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

CashApp closed my account that has existed for a couple of years. No warning. Nothing. They are refusing to communicate any details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXXr Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Equifax and XXXX credit report that I'm not familiar with and did not consent to, here is a list of the unauthorized inquiries : XXXX XXXX XXXX/ XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX, XXXX XXXX XXXX/ XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX   XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Mortgage

The XXXX XXXX Bank makes changes to the mortgage account and doesn't not allow to user to determine/know the changes unless you call the company. I was notified after the mortgage due date of a change in payment via letter, which was processed prior to the the payment due date. As a result, the amount I paid timely for my loan was marked an " unapplied payment '' and I received a letter later in the month notifying of the escrow change. The unapplied payment of the mortgage amount from the statement sat on my account with no action and I was deemed late for a {$11.00} escrow change, that I was notified of AFTER the due date. This is being penalized for timely payments. Additionally, when I called the XXXX bank to inquire about that change in amount, I was told to call the insurance company because the agent didn't know where the payment change came from. My insurance went up {$4.00} a year and that caused a {$12.00} a MONTH change in escrow. Thats doesn't add up. I called a 2nd time another day and a different associate helped with the needed information, but the escrow still doesn't add up for that chnange. Charges were applied because of a " late '' my XXXX payment but my bank shows no record of a reversal. No one can explain why it didnt process. I was not made aware of this by XXXX bank and until I logged into my account and had to all customer service for information. XXXX bank has no explanation on why this occurred. 

I am unable to make payments on my loan outside of the FULL monthly mortgage amount online. I have to call an often rude customer service agent to assist with that phone payment and then call again after it is processed to ensure to goes to the correct line item. I have never in the history of being a home owner experienced this level of disorganization, poor notice or lack of accountability. Notification of fees and changes to payments are severely delayed ( sent via letter ) but applied prior to sending the letter- to the point where the borrower does not have time to make changes. The statements are hard to follow and are not consistent. XXXX XXXX  's poor notification will cause issues. I have never had a late payment in 6 years until being serviced by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my ongoing dispute regarding the erroneous accounts that have been included on my credit report, which directly contravene my rights to privacy, fairness, and impartiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian regarding an inaccurate information on my credit report and provided documentation to support my claim ( see below for what I provided ). I received confirmation via email that they received my letter and would begin a " robust investigation '' into my claim. Within XXXX hours they stated their investigation was complete and the item was valid ( with no explanation ) and my report was updated ( nothing changed on my credit report ). When I called into Experian and spoke to their customer service rep I asked them to provide me an explanation on why they found the item valid and she stated she could not provide it as it's confidential. When I advised her of all of the documentation provided she put me on hold while she reviewed it as she stated they had not opened the file yet. When she reviewed the documents she stated they will place another dispute and ensure a thorough review is done and contact me if additional information is needed. 

Within XXXX hours the dispute came back as valid, not 20 days, or 2 weeks, or even 2 days, but XXXX hours. Experian operated in bad faith as they did not thoroughly review the request and ensure the line item was valid.
Product: Credit card or prepaid card

This is concerning my credit card I have with HSBC. On mystatement dated XX/XX/2017, a payment in the amount of {$2900.00} was due on XX/XX/2017. I made a payment for {$2800.00} on XX/XX/2017. I missed one item that was charged later and did not have a statement. Since my full payment was not received by the payment due date reflected on my billing statement, an interest charge of {$48.00} was assessed on my account. I requested a refund or reduction, because the amount charged for a simple mistake is inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Experian for a few weeks now. I called and reported the Identity Theft fraudulent accounts that are still appearing on my reports. It even appears twice, same account one says closed and one says open for XXXX XXXX XXXX XXXX. I sent the FTC Affidavit showing ID Theft. Called their Dispute department and advised them that this is not my account and they said they would block it but instead just keep disputing it. When they " dispute it '' They come back and say they " Verified '' with the furnisher its my accounts. This is not true, i have not signed any contracts with XXXX 's these Account ( s ) appeared after my wallet was stolen and my Identity was used to open these. The XXXX 's company doesn't even have my correct Address on file. Secondly they list my address in their System as XXXX XXXX XXXX XXXX, TX XXXX. My Address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX but it won't let me update the address. Both of these XXXX 's Accounts are fraudulent and i want them blocked from my file i will attach the Affidavit below. Also there is an account from XXXX XXXX. This is not my account, i never received any benefit from this account and i want it removed and blocked from my credit file as well. Additionally XXXX is reporting late payments, this only occurred after the ID Theft occurred at which time i entered into a Payment plan with XXXX and they advised they wouldn't report any late payments so these should be current as i wasn't late.