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

Experian responded to a dispute that was submitted but the information is not reporting to what they indicate is the time period. There is an account that they are reporting and it's been seven years from the first missed payment. I have attached their response along with what they are reporting to show it should not be reporting. There is a XXXX XXXX XXXX and a XXXX XXXX both are over 7 years and one is over 8 I need them to remove it like they are suppose to I have been fighting this for some time now and they continue to report aged accounts. The XXXX XXXX XXXX shows it started to be late in XX/XX/XXXX and then XXXX XXXX was actually charged off in XXXX so the payment would have been past due long before the charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per XXXX XXXX  this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. XXXX XXXX replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX XXXX file and it will not report until they furnish me with all the info I requested XXXX I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX XXXX is reporting to the credit bureaus. Something is XXXX  and XXXX  in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, stress and anxiety. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had my wage garnishment for midland financial. Last payment was in XX/XX/2021. Credit bureau and midland.. wont take off the amount and label it was paid.. I also have the receipt. Credit bureau website will not let me load it
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were 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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}
Product: Mortgage

We acquired a loan modification loan some years ago and have had nothing but issues with Green tree and now Ditech. Fraud, misapproiation of funds, threats and numerous other problems with this loan. We are in disperate need of help.
Product: Credit card

XXXX charge automatically defaulted my billing to " paperless '' ... I was told that unless you uncheck it to decline it automatically defaults when paying online. I had received paper statements and generally pay it off in full whenever I have used it. Therefor it is n't a " usual reacurring '' bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EXPERIAN, XXXX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EXPERIAN, XXXX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

I have not received my employer direct deposit in my Capital One 360 checking account. They have not made any attemps for assisting me with paying my bills that are due even though the issue is coming from their end. My landlord is waiting for the XXXX half of XXXX rent, I had to borrow money for gas to get to work today, my phone company said they want payment by XX/XX/year> or I will not have a phone, my dogs and I both do not have food. Capital One customer service does not give any answers during the 3 calls I made ro them XX/XX/year>.
Product: Debt collection

I was attending XXXX College, and at the time they were trying to get us to fill out FASFA and my mom had trouble getting certain information and we were telling XXXX were trying to get the information but couldnt get it as fast as they wanted. I stopped attending class and told them I no longer am coming and they ended up telling me well your going to have to pay for this somehow and couple months later, I got a letter in the mail stating I have to pay {$4100.00} to Key 2 Recovery, I have no clue how to get in contact with them, Im wanting to dispute because I did stop going to the classes and I pulled out. I cant get in contact with anybody, the school was very difficult and also many of us signed up wanting to be Dental Hygienist and the school later on next year came out with that program, and didnt even notify us that they would be coming with that program so instead we could have waited for the actual program we wanted to do. This is all a big mess and me not being able to get in contact with anyone, is very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi its being 45 days i am waiting for the mismatch information to be fixed in the social insurance number two names are showing and i have reported it to equifax but untill now, they didnot fix this issue. On XX/XX/XXXX, i lodged the complaint but didnot receive any confirmation email from them. Calling daily and asking about the update but they are saying just wait 24 hours to 48 hours from last 45 days.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Removal of Account Dear Consumer Financial protection Bureau I am writing to formally dispute inaccurate information being reported on my credit report. After reviewing my credit reports from both XXXX and TransUnion, I noticed a discrepancy regarding an account with XXXX XXXX. 


The account details differ between the reports : 1. XXXX states that the account was closed on XX/XX/XXXX, with a reported balance of {$9600.00}. 

2. TransUnion states that the account was closed on XX/XX/XXXX, with the same reported balance of {$9600.00}. 


This inconsistency is an error, as the dates and account statuses can not align. Additionally, given this discrepancy and the conflicting payment history, I am requesting that this account be fully removed from my credit report. The inaccurate information is negatively impacting my credit score and does not reflect the correct status of the account.

To support my claim, I have attached the following : Screenshots of the account details as reported by TransUnion and XXXX. 


Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate information. I respectfully request that your office investigate this matter, correct the error, and remove the account from my credit report. 


Please provide a written response confirming the results of your investigation. You can contact me at XXXX or your XXXX if further information or documentation is required. 


Thank you for your prompt attention to this matter.
Product: Checking or savings account

They stated three different dates when a personal check would be cashed. There is an overdraft even though I have funds in my account. The website has been down for five hours. They won't email me my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is report inaccurate information to my credit report. 
TransUnion reports the DATE OPENED XX/XX/2018 and XXXX XXXX XXXX report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match. 
Date of last active do not match. 
Date of late payment do not match.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Checking or savings account

I have already sent a scathing letter to several executives within this company including : XXXX XXXX XXXX + XXXX XXXX + XXXX XXXX I will also continue my search to see who else that is seated on top of Cash Apps corporate ladder to send this issue to. Please read below. Dear Cash XXXX XXXX Customer Service XXXX XXXX : On XX/XX/year> your XXXX app allowed XXXX fraudulent transactions to hit my Cash App account between XXXX XXXX  and XXXX XXXX  XXXX. These transactions were made by someone that is not me, that lives in a state that I do not live in and never have, in stores that I have never even heard of until XXXX  days ago. Needless to say I am shocked and appalled that the app would not even so much as question these fraudulent purchases much less allow them to take almost {$500.00} from me. {$200.00} of which is XXXX XXXX that I would never in a XXXX years even think of using! Whats even worse is I couldnt even start a dispute until these charges were finalized and I have to wait XXXX  days?? I have also researched how your company handles situations such as these extensively and I find your policies to be unsettling. Are you aware that there are hundreds of XXXX threads devoted to your companys lack of response to disputes? As well as your companys lazy policy that does not offer your customers a 100 % money back guarantee or XXXX  liability in the event of fraudulent transactions happening on someones account? I will not allow a barrier to stand between me and justice. I expect a fraud XXXX to be assigned to me immediately and also further investigation into why there arent more safety/fraud protocols in place on your app. I eagerly await your response. Please refer to attached screenshot for the transactions I have referenced in this letter. I have also submitted several disputes and what Cash App does is use AI software that is flawed and denies my disputes stating I authorized it and its a lie! Cash App is allowing someone to commit fraud! 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My local tax collector says that my real estate taxes were not paid from my escrow at Freedom Mortgage. Freedom Mortgage says they have been paid. I have been trying for the last two months to get evidence of this payment from Freedom Mortgage and each time I try to do so I get a different story. The latest is that since I sold the property they need my request in writing because that is " what their tax department requests. '' However the last call from their tax department was that they would research this and get me a letter stating it has been paid in full. Currently I am over an hour into today 's call and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over XXXX days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX Experian and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and Experien in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX MA assumed my identity and opened a credit card in my name for {$12000.00}. All 3 credit reporting agencies were notified and I contacted them to remove the transaction associated with XXXX  XXXX XXXX XXXX  new travel card opened in XX/XX/2023. 

Now Experian has included the fraud person pretending to me in XXXX, MA, on my list of addresses. I have never lived in XXXX MA or had any associations there. 

This error may help the fraud person to get into my account or establish more credit in my name. The fraud address is XXXX XXXX XXXX, XXXX, MA. XXXX. It must be removed from Experian. 

In addition, my work history is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate the account 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 erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Checking or savings account

I XXXX XXXX XXXX only made one transaction on XX/XX/2020 for XXXX. It's a Fraudulent second transaction XX/XX/2020 which I XXXX XXXX XXXX didn't make for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on forberance dor several years following the information that was given to me by acs and the years in a row i have in total i have 11 late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.
Product: Credit reporting or other personal consumer reports

I reported to XXXX, XXXX and XXXX credit bureaus that Capital One Bank USA NA had a delinquent account on my credit report that was " Included in my XXXX XXXX bankruptcy '' in 2022 and the delinquent account should be removed from my credit report. The credit bureaus refused to remove the delinquent account. I contacted Capital One USA NA and asked them to remove the delinquent account from my credit report and they have refused. The delinquent account is damaging my credit score and this is being done on purpose by the credit bureaus, who are being paid by Capital One and it is being done deliberately by Capital One to punish me for filing bankruptcy and to make me pay higher interest for any loans and credit cards I may apply for. It is discriminatory against XXXX consumers because XXXX consumer pay higher interest for loans than their counterparts because of corporate predators.
Product: Vehicle loan or lease

Im an XXXX XXXX XXXX in the XXXX XXXX. On XX/XX/XXXX I XXXX to XXXX as per XXXX  orders issued. While on XXXX my husband contacts me informing me that the vehicle has been repossessed and taken by a wrecker company for missed payments. From my initial purchase of the vehicle I had it setup on auto payment from my bank account drafted on XX/XX/XXXX. I contacted Wells Fargo whos the finance company to my vehicle to find out whats going on. As per Wells Fargo they informed me that I had missed payments which led them to repossess the vehicle. I informed Wells Fargo that I was XXXX on orders for the XXXX  and out of the country. As a XXXX  XXXX  i was informed from legal that Im protected by the XXXX member Civil Relief Act and vehicle should have not been taken. I related the information to finance company as the proceeded to work towards returning my vehicle to my husband. Wells Fargo has released and returned the vehicle to my husband but refuse to provide other requests regarding my account. Wells Fargo has made the error and were responsible for the removal of my auto payment ; With that they are not assuming responsibility. Wells Fargo demands an unreasonable amount and wants that I pay {$2100.00} a month for 12 months to satisfy debt. The vehicle is not even worth {$24000.00} blue book value. I requested that reduction of interest rate below 6 % as per SCRA and I was denied. I also requested that all derogatory reports made to credit bureaus be removed or fixed and was denied as well. As per my role in the military I am required to maintain my specific clearance and due to the negative reporting it has been affecting me in my career and my family. It has also cause other financial institutions that I had conduct business to close my accounts due to negative reporting. Additionally low credit score and denial of credit.
Product: Student loan

My interest rate is ridiculous. I only owed a little over XXXX but now I owe XXXX. I do n't understand how.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, # XXXX XXXX # 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: Checking or savings account

I have three accounts with Bak of America. We are working on getting them all closed. One of the three accounts has a negative balance that is only fees. The monthly fee creates an overdraft fee etc. I would like the fees to be waived and my checking account closed.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we should remove any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed have inaccuracies regarding the reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ), An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, wave any late fees, or modify a loan or contract. 

2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate personal information on my credit report from Equifax. The addresses listed '' XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX '' and " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX '' are not associated with my residence. The inclusion of these incorrect addresses is negatively impacting my credit profile. I request that these inaccuracies be removed and that my report be updated with the correct information. Please investigate this issue and correct it in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Payday loan, title loan, personal loan, or advance loan

I am currently XXXX. As of XX/XX/2024 I have paid well over the amount of my original loan balance. I have made over {$2700.00} in payments for a {$1600.00} loan. I asked them to waive any remaining balance via email on XX/XX/2024 on my account since I have already paid a huge amount to them and they refused.
Product: Credit reporting or other personal consumer reports

I DISAGREE WITH YOUR RESULT I WAS THE VICTIM OF IDENTITY THEFT AND IM DEMANDING THESE FRAUDUDENT ACCOUNTS TO BE DELETED ON MY CHEX REPORT. BOTH ACCOUNTS OF XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified Experian on XX/XX/XXXX by phone that two positive tradelines present on XXXX and XXXX were missing from my report. CS agent was able to locate the tradelines elsewhere and entered a ticket into the system to move the tradelines to my report which I was told would happen in less than a week This has not happened. Subsequent calls to CS have been unfruitful and they blame the missing data on the furnisher not reporting it. Yet I know it is there because the original CS agent found the lost data