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

Dear Experian, Re : Account # [ XXXX ] Consumer : XXXX XXXX XXXX I am writing to dispute the inaccurate and unlawful reporting of a collection account under my name, XXXX XXXX XXXX. The account in question is being reported with inconsistent and erroneous information, specifically indicating late payment dates on a collection account. Such reporting is not only misleading but is also a violation of federal consumer protection laws. 

Please take note of the following violations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ) ** : Under the FCRA, furnishers of information, such as XXXX XXXX XXXX XXXX are required to ensure that the information they provide to credit reporting agencies is accurate and complete. Reporting late payments on a collection account is inaccurate and misleading, as the nature of a collection account inherently implies that the debt is in default and no further late payments should be reported. The reporting of late payments in this context violates the FCRA 's mandate for accuracy in consumer credit reports. 

2. **Inconsistent Reporting and Misrepresentation Violation of FCRA Section 605 ( 15 U.S.C. 1681c ) ** : The law mandates that information reported on consumer credit reports must not only be accurate but must not misrepresent the status of the debt. The presence of late payment dates on a collection account misrepresents the nature of the account and its history, which is a violation of the FCRA. Inconsistent information like this creates confusion and damages the consumers credit standing, which is unlawful.

3. **Noncompliance with Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ) ** : The reporting of incorrect information, such as late payment days on a collection account, is also a violation of the FDCPAs prohibition against false or misleading representations. Credit reporting agencies, such as Experian, must ensure that the information they are displaying complies with both the FDCPA and FCRA. 

As a result of these violations, I am formally requesting that you : - Immediately remove any and all incorrect late payment information from my credit report. 
- Ensure that this collection account is deleted entirely from my report if XXXX XXXX XXXX can not verify the information 's accuracy within the statutory 30-day period allowed under the FCRA.

I trust that Experian will take this matter seriously and resolve it promptly. Please provide written confirmation of the steps taken to correct this error within the 30-day investigation period.

Failure to comply with this request will leave me no choice but to pursue all available legal remedies, including statutory damages, legal fees, and injunctive relief as provided by the FCRA and FDCPA. 

Thank you for your attention to this matter. I expect prompt action to resolve these inaccuracies. 

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

XXXXXXXX XXXX XXXX Exeter Finance LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance Corp N Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

My consumer rights have been violated by XXXX on XXXX XXXX I entered into an consumer transaction with XXXX however on XX/XX/2022 received an adverse action that they were unable to approve my request I forward them my complaint that I have attached to complaint
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 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 this complaint
Product: Debt collection

I received a call from I.C Systems. They asked me to verify who I was and I would n't do it. They asked to verify my address and I would n't do it but then I asked them why were they calling, but yet they would n't say why until I told them who I was and verified my address. After I would n't do that, the guy got really nasty with me and I hung up the phone and then blocked their number on my cell. However, they still call my cell house phone that I do not answer. Every time some one calls from I.C Systems, they refuse to tell me why they are calling until I verify who I am, but I refuse to verify anything because they wo n't tell me who they are.
Product: Debt collection

I dont even know when I went to this XXXX and what the treatment was for.
Product: Credit card or prepaid card

Navy Federal has been the company that services my mortgages. ( Now it is only one ) I suffered a XXXX XXXX XXXX that rendered me XXXX XXXX and required assistance to be able to make payments on my mortgage and credit cards. The credit card was settled after two months of being late for a lump sum as I explained and was willing to provide my medical history. The decision was to work out a lump sum settlement for the credit card that I had for many years. The creditor advised me that for the payment that I made it would be seen as a good gesture as they had all my financial information and knew of my hardship. The company said I would be able to open a secured card after 12 months and keeping up to date on my mortgage that the company did perform a restructuring of the loan. At the end of XXXX I spoke to a representative about getting a secured credit card and made a deposit of {$5000.00} so that I could re-establish a relationship with the bank. They advised me that a secured credit card would be approved based on the fact that it was with my own money that would provide the credit and there was no risk to the company. I had one month where I needed to delay the payment of the mortgage due to COVID and they told me that it would not negatively impact me. I have paid them back and now up to date as I only did it as my income was delayed and impacted due to the pandemic. Navy Federal misrepresented the fact that the card would be established by using that I had a previous negotiated settlement with them. This was contrary to what was explained as they advised me that Navy Federal provides their members a second chance. This was a frustrating call as they did find the notes that stated that I made a call before I made a {$5000.00} deposit for the secured credit card. My goal is to establish a card and relationship with Navy Federal for  the chance of having a mortgage with them if I were to move the future. I feel that the actions that they took were not only unethical but contrary to their promise to me. 
The company is unethical in their behavior and want them to follow through with their promise along with the truth about me to have a potential for a mortgage. ( I do not want to be told something that is not only wrong but against a policy that they have for any of the programs they offer )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00}
Product: Mortgage

To Whom it may concern : I am about to lose my home. I am exhausted trying to explained the situation to the new Mortgage company along with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax : XXXX. The original loan servicing Cross Country Mortgage XXXX monthly mortgage {$2300.00} transferred Mortgage to XXXX XXXX XXXX  monthly mortgage {$3300.00} they transferred to Cross County Mortgage XXXXXXXX XXXX monthly mortgage ( Modification Approved amount before the transfer ) {$2800.00} All payments were sent to the Mortgage company before the last transfer. Now when they transferred the loan they did not transfer all the documents and the payments received. They are claiming the wrong amount owed on the statements sent then what customer service views in their system when you contact customer service. This has been ongoing for over a year and no solution has been made. The modification loan was completed and approved the the 2nd servicing mortgage prior to the transfered. All I want is to be able to move forward and move on with my life. Having a home should not be a nightmare because of the mortgage companies not providing correct information regarding your home loan. 

All I want is for the mortgage company to honor the modification and to report the correct payments applied to the mortgage loan servicing company. 

-- XXXX XXXX XXXX XXXX, Florida XXXX XXXX : ( XXXX ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regard to zelle handling disputes. The Company has failed to investigate or retrieve any money that was reported removed without consent. I was told once sent there is nothing that can be done about it.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX bankruptcy in XXXX of 2023 and was discharged in XXXX of 2023. After disputing the incorrect information on my XXXX credit report twice, no correct update on my account status has been given. My account says charged off and reports a balance. It should say discharged under XXXX  XXXX bankruptcy and report a XXXX balance. I have uploaded all documentation to XXXX and Ford Motor Credit showing this account is included in my bankruptcy and still they come back and says it being reported correctly as charged off. My documentation shows the petition of conversion from a XXXX XXXX XXXX XXXX  My listed creditors that lists Ford Motor Credit/Lincoln Automotive on my matrix and my discharge letter.
Product: Checking or savings account

I received a snail mailed correspondence a few days before Capital One closed my small business checking account. This one page letter was sent only 2 weeks before my business account was set to be closed. However, I had both pending deposits, debits, incoming ACHs etc. I called Capital One over the weekend, frantically, trying to figure out what rules governing deposits had caused this issue. I could only get someone that handled personal accounts. They could not provide any useful information. Then I called XXXX banking on Monday, and after asking for a supervisor, I spoke to XXXX ( # XXXX ) on the XXXX XXXX Advocacy team. He explained the account was being closed because documents were missing. This account had been opened since XXXX of 2024. Then I recalled speaking with someone named XXXX XXXX back in XXXX of 2024, who had asked me for documents confirming our physical address. She provided a XXXX party website that did not appear to belong to Capital One, called XXXX. This website requested that I register, and I did. She asked that the documents be uploaded in 30 days. I uploaded the documents w/n that timeframe ( screenshot attached ). Once I completed this task as requested, I did not think I had to follow up to make sure incompetent people wouldn't close the account in the future. I was shocked to discover my account was going to be closed since I had followed Capital One 's instructions. This caused grave disruption to my XXXX  XXXX, which is 100 % of my income. I had pending debit charges and incoming ACH that hadn't fulled cleared. They were returned, which resulted in additional fees that I can not afford. Now I am unable to cover both business and personal expenses. I logged back onto XXXX and emailed all the people that appeared to have access to my uploaded document ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ). No one responded to several emails asking them to resolve this error and not close the account. They proceeded anyhow. This has been extremely disruptive and has caused my business grave harm. No proper explanation was ever provided. This is bad banking and should be addressed immediately.
Product: Money transfer, virtual currency, or money service

My PayPal account suffered account take over. Unfortunately the app or website doesnt allow to change tel numbers, information, removed stores cards etc.

I submitted a claim onto PayPal, as I noticed an erroneous telephone number, I could not change that and/nor have heard back from PayPal.

Since I suffered an account take cover and I reported this to PayPall, this should have been remediated immediately. Hasnt happened yet!
Product: Credit card or prepaid card

A collection company called SACOR FINANCIAL with their representative called XXXX XXXX XXXX, came to our house in XXXX broke our garage door took XXXX XXXX and his XXXX truck to their possession told us because we have a judgment against us that they can seized any valuable things from us for non payment. I was XXXX XXXX XXXX was in a XXXX because I never, never knew my husband took a loan on my name and his without me been aware of at the first place. 

He paid {$5000.00} to get both cars out. Then XX/XX/XXXXthey came again took his car again lucky for that time mind was n't there, that time he could not do nothing to get it back because he was n't working. 

In XXXX they again came to the apartment I am at, took my XXXX XXXX XXXX car away I called SACOR FINANCIAL asked them how can I get my car back, SACOR told me I have to talk to XXXX XXXX XXXX which I did, he said to pay {$2000.00} to him then agreed to make a {$500.00} direct withdrawal payment. I asked both parties to tell me how much was the loan, the {$5000.00} plus both cars taken how much left on the loan both parties can not say why?. I report the matter to BBB they investigate but still nothing so BBB told me they ca n't do anything since both parties refused to corporate so if I want I can take the matter to court and see. I can not afford one so I do n't know what to do. Now thru research on XXXX I came across with you people, I said let me give it a try and see what you guys can help me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not give you the option to dispute outdated negative information on credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting 30 days late ( XX/XX/XXXX ) as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
COMENITYBANK/XXXX  ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open COMENITYBANKXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Open XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open
Product: Vehicle loan or lease

GM Financial has failed to provide me all documentary evidence and material disclosures related to this consumer credit transaction.
Product: Credit card

I returned a call from American Express. I was told that I called an told them to cancel my request for an Everyday American Express Card and they have sent me out a letter that they considered my request a " fraudulent credit request. I do n't care about the card, what does concern me why did they say this. Why would I purposely put a spot on my credit with making a Fraudulent phone call. The credit card is not important here, but the fact I have been accused of a Fraudulent phone call I did not make. I 've been away from home since Friday ( XXXX ). returned Sunday ( XXXX ) and have not had any verbal contact with American express in over XXXX years and have not made personal or any type of phone call in over XXXX week I basically do not use or make calls,. and when I did I only spoke to a phone service. I am hurt that what they say and what I have done do not match and that I am accused of something I did not do. Here lies my concern.
Product: Credit reporting or other personal consumer reports

XXXX provided they verified bankruptcy # XXXX with the US Bankruptcy court - Nevada  also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada  this is an error or a lie!!! I also contacted the Fraud department at XXXX  who sta
ted verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682 Sincerely XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Americollect The amounts are $ XXXXXXXXand {$1000.00}. I have submitted a debt validation letter but have not received a sufficient response. They are reporting two accounts that are not mine. They are tied to a social security number that is not mine and they nor the original creditor can furnish anything with my signature. It is also tied to an address that isnt mine.
Product: Debt collection

the company never responded it been over a year,,, ,nor did they send verification.amount {$1100.00}
Product: Checking or savings account

First Interstate Bank closed my account without notice because of a zero balance that persisted for 30 days. I was not given a chance to bring the balance up or given any warning at all, I found out when I went to check on my direct deposit that was scheduled to hit on XX/XX/21. I called the support number for First Interstate Bank and was informed my account had been closed on XX/XX/21. Due to this sudden and unwarned closure, I will now face late fees for my cell phone bill and my car insurance. I am also unable to access my pay until my employer is able to issue a paper check, meaning I also can not pay rent or refill vital medications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX am writing in regards to compliant on XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX inquires were not done by me. also in regards to credit acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

my morgage company did not pay my taxes from 2020, and it now has accured penalty and interest there is money in my escrow account to pay the taxes and they did not pay my morgage is with flagstar bank the amount owed originally was XXXX now it is XXXX i dont feel i should be responsable for the penalty and interest
Product: Student loan

I have an account from Great Lakes Higher Education on my XXXX credit report that shows in collections. When I call Great Lakes they tell me there is n record of any amount due and refer me to XXXX. When I call them they also do n't show that I owe any money. When I dispute this with XXXX they say information is correct. Complained with Ombudsman they say it is n't a private loan and told me to file a complaint with Consumer Finance. If I owe I am ready to pay. If account as been satisfied then would like the Great Lakes account updated to reflect paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( XXXX rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX  XXXX XXXX # XXXX. XXXX  XXXX : XXXX. XXXX  XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : EQUIFAX, XXXX AND XXXX XXXX My health is not good these three company stop my live got me really depressed.
Product: Money transfer, virtual currency, or money service

I accidentally refunded a payment which was sent to my cash App. I asked the individual to please send me the XXXX they sent me back and they denied receiving or even sending the XXXX even after I had screenshots of all of the transactions. I then contacted cash app support and they refuse to resolve this matter or even let me speak with a supervisor. Also now they refund every payment I try to send anyone for my protection!! This is so not right and there is no one to hold them accountable for security etc.