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

Account / Reference # XXXX Reference ID : XXXX XXXX Reference # XXXX XXXX XXXX XXXX # ENDING : XXXX This complaint is a REBUTTAL to a response from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXated XX/XX/year> regarding a dispute on the above accounts & reference numbers & also previous disputes regarding these accounts and reference numbers.

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" XXXX XXXX. XXXX ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a CORPORATION - XXXX U.S.C XXXX ( d ) ( XXXX ) ( a ) ( XXXX ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section XXXX for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX Failure to perform an investigation per fcra regulation 4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Failure to perform an investigation per fcra regulation
Product: Mortgage

We are disputing a complaint against Ditech Financial Services regarding two payments that were made XX/XX/XXXX and XX/XX/2016 which they are reporting as 60 days late but they were made within 50 days of the due date. I have documentation to support when these payments were posted and all we are trying to do is to get them to update their records to reflect a 30 day late vs. 60 days so that we can close on a loan transaction. I sent this information to Ditech over two weeks ago requesting that they update their records and email me with a response so that I can provide it to our lender. We called yesterday and they had not even reviewed the request that was faxed. When we ask to speak to a Supervisor we are told that no one is available to speak with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and I have tried to contact Experian about this 3 fraudulent account that were open in my name without my authorization and are do to identity theft. ( XXXX  XXXX, XXXX XXXX, and XXXX  card ) three accounts. I provide them with a copy of my police report as well as written statement and still didnt remove or block those fraudulent account. Also my name and address are incorrect thats on my credit report. Which I advised them of that issue but they have yet to correct. I dont live in XXXX, hi and my name is XXXX. I told them numerous of times to fix this issue. They are violating my rights and fcra rights 605b. They also need to hire better representative to do their job better and to protect their customers accounts. They failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted sagestream XXXX times in a attempt to get a copy of my consumer report inwhich they are allowing access to my personal information that is in accurate and contains information used that has caused me to be denied credit and/or a hike in my intrest rate. As a reslult of me being denied credit i asked for a copy of my consumer report and the copy of the procedure that I must do to dispute wrongful information. The agent on the phone said they would provide me a copy and it hasbeen XXXX months and still no copy each time i am given an excuse why I have not received it. I was denied of a business loan based on there information provided to XXXX, XXXX and XXXX. I am the victim of identy theft on XXXX occassions. I should be allowed to stop the wrongful use of my information and to keep it accurate.
Product: Payday loan, title loan, or personal loan

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness Net Credit - LOC Account # XXXX Due Date : XX/XX/XXXX chg to XX/XX/XXXX every other XXXX Customer Support : ( XXXX ) XXXX Loan Processing : ( XXXX ) XXXX Collections : ( XXXX ) XXXX NetCredit XXXX XXXX XXXX XXXX, TX XXXX ''
Product: Credit reporting or other personal consumer reports

Over 40 complaints closed with no resolution today experian stole NOW almost 20 of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXXXXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 violates the Consumer Finance 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 Tranfer Act ( EFTA ) and Regulation E. These actions caused financial loss and I seek appropriate redress for this violation.
Product: Credit card or prepaid card

I paid my credit card using bill pay. I have never been late on a payment. For some reason they did not pick up the payment. I submitted all proof for a year over and over again that I paid the card. The month after they did not pick up the payment, I paid the card in full minus the late fees, and increased interest. I have been a customer for probably fifteen years and never had any problem, the account was paid in full but they kept sending be bills and adding more interest. I dealt with them month after month for a year in writing. On XX/XX/XXXX I called and asked to speak to a manager. The man I spoke to understood my frustration and said I don't know how long it will take to resolve this, but if you send {$90.00} of the {$340.00} balance that is due, I will make it all go away. After, dealing with this for months, I decided to take him up on his offer. I have his name and reference #. To my surprise I got another statement today, XX/XX/XXXX with a balance due of {$60.00}. I tried to call them, but can not get through as I do not have the whole fifteen digit account number. I only have a partial number as the account is closed and I no longer have the card. You can not even talk to anyone, now with out a full card #. I am just done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX/XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX   XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Product: Debt collection

I contacted Enhanced Recovery Company and requested they validate the debt pursuant to The Fair Credit Reporting Act and The Fair Debt Collections Act, Enhanced Recovery Collections never validated the debt.
Product: Credit card or prepaid card

I never opened a capitalone Walmart credit card. My account was switched from XXXX XXXX to capitalone without my knowledge or permission. I sent my payment to my usual account. I sent my payment to XXXX XXXX as usually thinking my payments were being applied. After my payment was returned I found out my account for my Walmart credit card was switched to capitalone without my knowledge. My autopay was also cancelled without my knowledge. This resulted in a late payment mark on my credit report through no fault my own. I sent my payment to my usual bank just to find out they switched my account to capitalone without my knowledge. I paid my account on time. This late mark needs to be removed. No one from capiitalone has contacted me.
Product: Credit card

I purchased tickets from XXXX on XX/XX/XXXX for the XXXX XXXX day 2 in XXXX XXXX, XX/XX/XXXX. When we arrived at the event, we were not able to enter with the tickets provided as they were apparently duplicate tickets that someone else had already used. When I tried to contact XXXX via phone, they confirmed that I would receive a refund. However, that did not occur. I followed up multiple times via email the following week and a half, without any resolution. On XX/XX/XXXX, I filed a dispute with my credit card company, Capital One. On XX/XX/XXXX, Capital One requested additional information which I provided. On XX/XX/XXXX, Capital One closed my dispute without providing any evidence from the merchant, only advising that the merchant had communicated that the event was postponed and that was why the tickets did not work. However, this is completely false as the event was not postponed and it did, in fact, happen as scheduled. I followed up and provided the email records of me following up with XXXX, along with proof ( an XXXX link showing the results of the race weekend ) that the event was not rescheduled. Capital One again sent a generic letter stating my dispute was closed, without any proof or reasoning. I have attempted multiple times to work with both XXXX and Capital One, to no avail.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of XXXX XXXX Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/year> at XXXX PM. I also filed a dispute online on XX/XX/year> regarding that information that needed to be removed due to my being a XXXX XXXX XXXX. When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/year> to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX BARCLAYS BANK DELAWARE - Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX - Acct # XXXX XXXX {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX XXXX- Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian for my XXXX XXXX  account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time through autopay.

Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line.

These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that Experian correct these discrepancies to ensure accurate reporting.

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting.

Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail. 
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed. 

I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws. 

If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response. 
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX  credit bureau was pulled by  XXXX / XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Mortgage

American Mortgage provided mortgage loan for purchase of new house. They outsourced bridge and equity loans to XXXX XXXX. Did not provide adequate communication, did not answer questions, was very disorganized. Asked for same info multiple times. Resulted in closing on house to be delayed 3 times ( 3 weeks late ). Had to reschedule movers 3 times and had to live among boxes and wrapped furniture for 3 weeks, and has delayed sale of existing home ( couldn't show house during same time frame ). In addition to the tremendous frustration and inconvenience, resulted in additional loan costs to extend interest rate on mortgage loan. I have 8 pages of documentation, all emails and text messages to show the incompetence and extremely poor service. They finally did reimburse for the added cost of extending interest rate. But I don't believe that is sufficient resolution to the issue. Filed complaint with XXXX  ( ID XXXX ) that was not resolved American Mortgage simply stated it was a complicated loan and out of their control.
Product: Credit card or prepaid card

I am disputing a transaction with the XXXX issued by USBank ( " XXXX XXXX '' ). 

I have paid {$XXXX} from this card via XXXX to a tour operator based in XXXX. The services provided by the tour operator did not match the description that was provided by the company sales representative. I have documentation to prove this. 

I have brought a dispute with the credit card company ( USBank ). However, USBank refuses to consider the documentation I provided, repeatedly promised to reopen or escalate the case, but did not do this. Essentially, my dispute is being dragged to slow death. I am given runarounds and statements that the bank " ca n't do anything ''. 

The charge was onXX/XX/XXXX, {$XXXX} to XXXX. 

To reiterate, I was sold a service and what was provided did not match the description by far.
Product: Credit card

I cancelled my Citi card in XX/XX/2016. They did n't cancel it when I asked them to because they wanted to make me an offer. They accepted another charge to the card that I had cut up and disposed of then started charging me late fees for not paying. I called them, and straightened it out ( I thought ) on speakerphone with my husband listening. The service agent worked with me I made a FINAL payment on the phone. I asked TWICE if that was going to XXXX the balance and cancel the card and she responded YES. Today I got another bill for XXXX. They charged me a minimum fee of {$.00} and then a late fee of {$25.00}. I called and asked why. Because it 's the minimum fee ... the service agent could fix the late fee but could n't fix the minimum charge so it will just keep billing me forever. It 's only been {$38.00} so far because I keep calling and having them remove the charges but this is ridiculous to go on this many months.