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

Equifax reports outdated account/pay status on consumer credit reports as current. The information listed on the consumer credit report that Equifax provides is misleading, causing adverse action by potential lenders or creditors towards consumer 's who are applying for credit or loans. Specifically, the " Account Status or " Payment Status '' category listed on consumer reports appears to maintain the oldest derogatory status, despite the data furnisher providing the current status. For example, if a consumer was 60 days late making a payment 3 years ago, but is now current, Equifax may continue to report the Account/Payment Status as 60 days late, despite receiving information from the creditor that the account is current. This is separate from the payment history, which is also displayed on a credit report in a different area on the report. This is misleading for a number of reasons : 1 ) account/payment status and payment history are factors in calculating credit scores to determine creditworthiness ; with payment history carrying the most weight ( approx 35 % ). However FICO combines BOTH into payment history when calculating credit scores. 2 ) Account/Pay status and payment history are NOT the same on a credit report and are clearly displayed separately. XXXX ) The term " status '' infers the current position of something unless otherwise indicated. Payment history infers both the current position of something AND the previous position. Using my above example, if Equifax is reporting the account/pay status of the account, one would naturally assume they are reporting the CURRENT account/pay status ; not the status from 3 years ago. XXXX ) Equifax has the use of several alternative statuses that can be used to reflect a consumer 's account/pay status more accurately, such as " XXXXXXXX 60 days late '' or XXXX 60 days past due ''. With this information in mind, Equifax appears to purposefully and knowingly report account/pay status information that is inaccurate. This is a clear and blatant violation of the Fair Credit Reporting Act, which requires consumer credit information to be reported in a fair, timely, and accurate manner. Additionally, consumer reporting agencies are required to correct or delete information they know is inaccurate.
Product: Debt collection

The company and their lawyer has only given me limited information on the debt, so it is hard to say what it is. I had numerous credit card numbers stolen 11 years ago and didn't find out until the accounts were closed, that it happened. I didn't know what to do. The tactics performed by this company and their lawyers seem unlawful. They are trying to have me arrested, despite their limited knowledge of the account. They can't prove that I owe the money, based on the letter they sent me with all the info. It was only a single sheet of paper. I requested the full file on the account and their lawyer XXXX said that is all they have. They obviously bought the account for pennies on the dollar and are trying to harass me to get over $ 10K from me. They know that I don't hold a job and am XXXX. They continue to harass myself and my parents. One of their employees who delivered a letter to my mother used inappropriate language when dropping off the court hearing request. These tactics need to be looked into, because my poor mother shouldn't be cursed at by some sketchy XXXX they employee. I also find it funny that the addresses listed online for both businesses are the same. Seems like they are trying to pull something on consumers to parade around to be an entity which they aren't. Please help myself and others from further harassment caused by these bottom dwelling low-life lawyers only out to get rich at the cost of people 's livelihood.
Product: Checking or savings account

I have requested various transfers to my bank account and I have been declined the transfer ; as to their investigation my id were invalid ; therefore the transfers were declined. Starting on XX/XX/2023 until XX/XX/2023 ; I submitted seven transfers for {$200000.00} and all the transfers were declined. After many calls to Customer Service, I was told my ID Drivers License Real Id was invalid. That I needed a USA Id. On XX/XX/2023 ; Isent out an email with my Drivers Lic from PR, XXXX bank notification, voided check showing my owner holder of the account. on XX/XX/XXXX, the XXXX attempt I sent the documentation required. On XX/XX/2023, I sent the front and back of my Military retired ID, SS Card with my complete name, XXXX Consolidated Statement, Drivers LIc., and XXXX XXXX Account Verification . As of today, I have not been able to contact DirectExpress. XX/XX/2023 XXXXXXXX XXXX., I called XX/XX/XXXX ( 7 times ) XX/XX/XXXX ( XXXX times ). The automated system says to call at another time due to high heavy volume. I am pursuing with this complaint because I need someone to assist me and to provide information that is of value for all other disable veterans who might be facing similar situation receiving their money w/Direct express. How can you report a lost card if noone answers ; or address any issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As part of American Student Assistance / XXXX 's response to a previous complaint in XX/XX/XXXX, it provided a falsified and unsigned promissory note from XXXX, in an attempt to substantiate this debt. I have never seen that document, nor approved any kind of restructuring of my student loans in XXXX, which this document from XXXX purports to authorize re-financing of my Subsidized Stafford Student Loans that I opened in XXXX, at a higher interest rate, with a private lender under the FFEL program. The fraudulent promissory note lists no lender name, but a lender code # XXXX, which corresponds to " XXXX '', a company that was shut down by CFPB for numerous frauds. Any payments I made to any predecessor loan companies on this account, were in good faith under the understanding that I was paying the servicer of my Subsidized Stafford Student Loans, which I borrowed in XXXX. However, this purported XXXX XXXX XXXX  account is for a different " FFEL '' student loan, that I did not open, and I did not authorize any loan consolidation in XXXX either. ASA has also never responded to my FDCPA verification request sent to their agent, XXXX XXXX on XX/XX/XXXX, and yet ASA still started reporting a " collection agency '' account to the XXXX credit bureaus beginning XX/XX/XXXX, which has caused my credit score to go from over XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

NAVY FCU is illegally collecting tax benefits from a charged-off account. 

Here is the letter to the company I constructed below : NAVY FCU XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit reports attributed to your agency. Upon reviewing my credit reports, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 
As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX NAVY FCU XXXX XXXX XXXX XXXX, VA XXXX at your earliest convenience. 
It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. 
Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 
I hereby demand that you take immediate action to notify ALL ( 3 ) credit bureaus to remove this erroneous information from my credit report without further delay. 
Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report like I do on a daily basis and realize that credit plus pulled my credit and now I got 2 hard inquiries without my consent I asked credit plus to remove these inquiries which they didn't. Because the inquiries that are on my report is fraudulent.
Product: Mortgage

I purchased my brother 's XXXX interest in my residence. Unfortunately, a document, The Real Property Transfer Tax Return was filed late by Title Source XXXX XXXX XXXX XXXX, MI XXXX, titlesource.com with the XXXX Department of Finance. I have been fined for this late filing {$110.00}. The transfer date was XXXX XXXX, 2016. The form was filed with XXXX Department of Finance on XXXX XXXX, 2016. I would like to be reimbursed for the {$110.00} which I had to pay.
Product: Debt collection

I have a {$55.00} XXXX XXXX from XXXX ( this account was canceled early XXXX ). XXXX is switching over to XXXX, I've called XXXX several times however no one is able to locate my account or bill and I've been told that XXXX currently doesn't have a billing department. I've attempted to pay this online and by phone several times, with no success. Now XXXX has sent the outstanding bill to collections, which I believe is unfair, since they don't have the proper system to allow me to pay the bill. The bills were also sent to my old address and I did not receive them in a timely manner.
Product: Credit card or prepaid card

Every time I call they hang up on me when I request a manager.

Every 3rd of the month I attempt to make a payment and I am being blocked by the card issuer. I go to the store to make the payment in person and the card issuer then wrongfully charges me late fees when the payment is make on or prior to the due date. 
This card will never be paid due to these wrongful late fees. Note their automated and web system will not issue or allow me to reset a password as their system claims my info does not match. 
My only recourse is to pay the outstanding balance in full and weeks prior to the due date.
Product: Credit reporting or other personal consumer reports

There is an account in my Experian Credit report that I have not opened. XXXX XXXX XXXX. I have not opened any credit since the last 5 years from the XXXX XXXX. I have never associated with XXXX XXXX XXXX. I have never owned or used any credit card by that company and I am not sure why it has posted late payments when I never used the card, owned a card, and associated with the company. I have filed an identity theft report and a police report as well notifying this incident. I have also contacted my other financial institute informing them of this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX : # # # # # # XXXX XXXX XXXX XXXX XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

A fraudulent collection account from MRS ASSOCIATES showed up today on my credit report on behalf of XXXX. I do not use XXXX and I have never provided my information to them. This is a fraudulent account opened under my name. This account was previously being showing on my credit under a different collection agency called " XXXX XXXX XXXX  '' ( complaint XXXX ). " XXXX XXXX XXXX  '' admitted the issue on " XX/XX/2020 '' and somehow it is now showing up again under MRS ASSOCIATES. 

A police report was previously filed with the XXXX and it is attached. Please fix this. 

Thank you.
Product: Credit reporting or other personal consumer reports

Dear [ XXXXTransUnion ], I am writing to formally dispute the inclusion of multiple inaccurate and unauthorized accounts on my credit report. Specifically : 1. An account reported by XXXX XXXX XXXX ( XXXX ) regarding a vehicle loan. 
2. An account reported by XXXX XXXX, which I have never had any dealings with. 

I have never opened an account with either XXXX XXXX XXXX or XXXX XXXX, nor have I had any financial transactions or agreements with these institutions. The reporting of these accounts is false, unverifiable, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

As per the FCRA, you are required to ensure all information on my credit report is accurate and verifiable. Failure to do so constitutes a direct violation of federal law. These accounts can not be verified because they are fraudulent and do not belong to me. 

Demands : 1. Remove these accounts from my credit report immediately and ensure no further reporting from these institutions regarding these accounts.

2. Provide written confirmation of the removal of these accounts within three ( 3 ) days of receiving this letter. 
3. Cease reporting any negative or unauthorized information about me from XXXX XXXX XXXX, XXXX XXXX, or any related entities. 

Failure to act within the specified timeframe will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

I have attached a copy of my credit report highlighting the disputed accounts for your reference, along with the required proof of my identity, including a government-issued ID and utility bill. 

Please treat this correspondence as a formal and urgent dispute. I expect a resolution within the next three ( 3 ) business days to avoid further action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, CITIBANK FRAUD DEPARTMENT Texted me that multiple Fraudulent Charges were put on my credit card, a card that I had not used for 6 months. I immediately called them & they said they would be fixed. Not all charges were taken off & they are trying to Charge me over XXXX & interest & fees for some of the Fraudulent Charges. I HAD NOT USED THIS CARD FOR over 6 months, I should have a XXXX balance! Many representatives said this would be fixed within 7-10 days. 

XX/XX/XXXX XXXX XXXX XXXX. XXXX said they had decided to CHARGE ME FOR THE FRAUDULENT CHARGES! Totally Frustrated here that they are trying to charge me now after so many said that this FRAUD was fixed already
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practice, 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience inconvenience and financial loss, and I seek appropriate readdress for the violations.
Product: Vehicle loan or lease

On XX/XX/2024 {$3700.00} check was sent to Regional Acceptance Corporation/Truist Bank from XXXX XXXX XXXX on my behalf and was not applied the way that I requested to be : six monthly payments of {$620.00}. The loan is currently in default and negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom this might concern, On XX/XX/2022, at XXXXXXXX XXXX, I received an email from Venmo, stating that " Your Venmo account has been temporarily restricted '' due to recent activity that triggered some security alerts. 
On XX/XX/2022, at XXXXXXXX XXXX, there was another email from Team Venmo with the title " Notice Regarding Your Account '' regarding request # XXXX - which was generated by Venmo itself. In this email, Venmo stated " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account '' The moment I received the notice, I took my time to review the User Agreement, to make sure I have not violated any term unintentionally. 
On XX/XX/2022, at XXXX XXXX, I replied to the request above to inquire about the reason and if there is anything I can do, or anyone I can speak to resolve the issue. 
On XX/XX/2022, at XXXX, XXXX XXXX a gentleman replied to the email above on behalf of Venmo , he couldn't explain the reason why and could only repeated what I had already read from the previous email. 

Since PayPal and Venmo are under the same company, my PayPal account also experienced the same issue. 
My account is now permanently limited and currently has {$110.00} that is held hostage for 180 days. 
On XX/XX/2022, at XXXXXXXX XXXX, I received an email from PayPal, with the title " You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXXXXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXXXXXXXXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. No response was made for this attempt. 
On XX/XX/2022, at XXXXXXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. This time I received an automated reply, but no other than that. 

I also contacted PayPal Support on XXXX on XX/XX/XXXX at XXXX AM and received a reply from a rep at XXXXXXXX XXXX the same day. 
I waited and a different rep responded to my question on XXXX on XX/XX/XXXX at XXXX PM- again he copied what I have already known and could not offer any further help. 

All of my attempts to contact PayPal regarding my PayPal and Venmo accounts were met with unhelpful responses. 

Hopefully, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate if they can resolve this issue. 
I will attach as many documents as possible ( my attempts to contact through email, XXXX ) I appreciate all the help and response I could get, thank you very much.
Product: Mortgage

Freedom Mortgage originally said that they would give a {$2900.00} credit to lure me in. On XXXX XXXX, they then gave me a good faith estimate ( GFE ) for {$1700.00} in credits with no origination fees and then another worksheet that said I would be getting an additional {$1200.00}. They said that they could not put the total credits on the GFE, but would give me the {$2900.00} credit. I did sign this GFE. Then, on XXXX XXXX, they gave me a new GFE for a credit of only {$880.00}. I do not know why they can not put the total credits on the GFE like other mortgage companies. This seems kind of sketchy.
Product: Credit reporting or other personal consumer reports

These are sham investigations by Experian. I am filing this complaint because Experian has failed to properly investigate and verify accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and supporting evidence to substantiate my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Experians failure to comply with the FCRA has caused me significant harm by negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. 
Experian has not provided any documentation or proof from the furnishers of the disputed information to confirm its accuracy. 
My disputes have been dismissed without a proper reinvestigation, in violation of the legal requirements under the FCRA.