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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : 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: Debt collection

I just received a letter from a collector from XXXX with the amount of {$670.00} Reference # XXXX. Dont understand why XXXX didnt contacted me before if they gave all my information until years later after I notified them that I wasnt going to use their service anymore. I dont have a contract with them since it was month to month I dont appreciate the fact that after years without trying to contact me and we me not knowing they sent me with a collector and Ive never been send to collections before since Im a responsible person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. The first payment was due on XX/XX/XXXX, which I paid. The issue I have is that the company has not deducted my payments from the balance and it looks as if I have not made any payment on this car. I have been given extensions, and have been charged late payments even if I pay earlier in the month. 

I have been told that 11 payments were extended. I have asked for the extension paperwork which I have not received. Extensions were explained to me that they go on the back of the loan which extends the length of time that I pay for the car. 

My issue is that the balance owed is incorrect, which makes it look as if I am not paying for the car. When I looked at my XXXX credit report it states incorrectly that I have only made one payment, since XXXX, which is not correct and the car would have been repossessed. I need this corrected on my credit reports to reflect that I have been making payments which should decrease the balance. 

I am being contacted constantly by the company, but have not been able to speak to anyone higher than customer service to get this corrected. When I ask about the balance on the loan and why the payments are not being reported correctly as it should be going down, I am told about the daily interest, 11 extensions, late payments etc. That does not answer the questions I am asking. 

I need the balance reported correctly as I have been paying on this loan since XXXX and it should not reflect the same amount as the beginning balance.
Product: Consumer Loan

I was called by a company called " ARA ''. Their representative left a voice message on my cell phone and also called my wife 's cell phone from XXXX XXXX. I do not owe this company any money and this appears to be a scam, so I reporting this information for the CFPB to take action. I do not have any debt issues and have perfect credit and payment histories on all my current accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( Transunion, XXXX and XXXX ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from Transunion. Transunion sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from Transunion stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

good morning today is XX/XX/2019 i have tried 4 times to dispute items on my experian report but all iam getting with them is the run around or getting hung up on they are some nasty people that works there somebody needs to take a look at that company,,, Here my complaint account # XXXXxxxxxxxx XXXX   XXXX XXXX they calls me all times at night and i really dont like it they say i owe them money and i told them to seen my info saying i owe them and they never sent nothing but they still call me all night plz tell them to remove this account off my credit report its not mines, ,Next account XXXX XXXX XXXX i tried to disput this account with experian they hung the phone up in my face the account # is XXXXxxxx they have alot of 120 lates and 90 day lates that are not mines its not right ... .XXXX XXXX XXXX  XXXXxxxx this account i have no idea about it i told experian about it they just said its on my credit now nothing they can do i need this account gone asap ... ..XXXX XXXX XXXXxxxxxxxxxx i have no clue about this account somebody i think got this in my name,,, ,XXXX XXXX XXXX XXXXxxxx i  have disputed this account with experian and keep coming back verivied but i got it remove off the other two credit reports its not my account sorry for a long story but its aginst the law to report fraud accounts on someone credit report and then try to ruin someone life for the rest of there lives with bad credit it is not right
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX  days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX  more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX / XXXX 8.  XXXX  XXXX XXXX 9. XXXX XXXX.
Product: Vehicle loan or lease

I bought a car and traded in my old one ( which still had a balance ). This happened on XX/XX/year>, I then made a payment for my old car in order to protect my credit, however time has passed and they still havent paid my trade in and Im due for another payment on my old car and the one one I purchased, basically Im due for XXXX car payments. I have called and given the run around with no specific information as to when they expect to pay the old car, which by the way they had up for sale already for weeks. The manager was given a message to call me back but he just doesnt, when I try to get answers the front desk people get me salesmen who are nice but not really interested in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX ( servicing company ) sold my mortgage to Select Portfolio Services ( SPS ) in XX/XX/XXXX. I was approx XXXX months behind on my mortgage when the change occurred ( XX/XX/XXXX ), once the loan was transferred to SPS, I paid {$3000.00} on XXXX in effort to catch up to what I was behind, per the statements from XXXX, with a remaining balance of {$300.00}. In XX/XX/XXXX, SPS sent a statement indicating that I was behind {$7600.00} which included the arrears, there was an amount of {$2800.00} was assessed in compounded interest which was deferred interest that should have been added to the end of the loan per a XX/XX/XXXX loan modification agreement I signed with XXXX. The {$2800.00} was instead added to the loan, and I was also advised of a {$1900.00} escrow shortage. I received XXXX notice of a escrow shortage, and there was no indication there was an issue. As a result of the escrow shortage, SPS placed Forced Insurance on my mortgage, and my payment went from {$1200.00} to {$1500.00}. I spoke to SPS about the problem and explained to them the lack of notice about this escrow shortage, and the forced insurance was cancelled but after XXXX months. I was not returned the amount that was assessed as a result of this insurance, when in fact, this insurance should not have been placed on the account in the first place. I ask that CFPB look into the practices by SPS as they have placed a financial burden on me, due to having to my payment going up, and this has caused significant stress this has placed on my personal life.I want to stay in home and would like to continue to make my payment, but the lack of miscommunication, and the error by SPS have been become far too many, and I bring this to your attention, as there very well may be other in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, my husband and I declared Chapter XXXX bankruptcy in order to save our house ( Case Chapter XXXX BK Case # XXXX ) XXXX XXXX   immediately closed my XXXX XXXX XXXX account, despite years of good credit history, which I was informed that they would do. 

On XX/XX/XXXX, XXXX XXXX filed a Proof of Claim with the Bankruptcy court in the amount of $ XXXXthe entire balance I owed. This claim was paid by the bankruptcy trustee. 

XXXX XXXX continues to report an {$850.00} charge off on my credit report, and has done so from XX/XX/XXXX through XX/XX/XXXX. This is in violation of the Automatic Stay Sections 362 ( a ) ( 1-4 ) of the Bankruptcy Code. 

I would like the credit reporting corrected.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on 2014. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Vehicle loan or lease

Currently CPS has reported several years worth of negative payment activity on my credit report and now the account has been labeled as charged off. Based on my account history all payments were current and to date until I was scammed into stealing the car where another car dealership agreed to pay the reminding loan balance to retrieve the title. Several months later after the account became seriously past due I was advised that the account was never paid off and the account was past due. I spoke with several account reps at CPS to explain the situations to avoid the daily calls and harassment. After realizing that 's the auto dealer was a scam and no longer in business I reached out to CPS requesting a settlement to clear the debt. CPS denied the settle and now has the account marked as serveley past due and in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed chapter XXXX discharged in XX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX - XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX
Product: Credit card or prepaid card

I have been able to set up long term payments with all my other credit card companies to avoid having to declare bankruptcy due to the ongoing COVID situation that has reduced my income, however Capital One has not provided any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. 

Accounts affected by XXXX XXXX  XXXX  opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : {$65.00} COMPANY : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).
Product: Checking or savings account

My identity was stolen and on XX/XX/22 someone named an unauthorized withdrawal of {>= $1,000,000} and my bank, Bank of the west will not give it back to me. They were supposed to protect my money. There were no alerts sent to me when in one day {$7500.00}, {$6500.00}, {$3500.00}, {$510.00}, {$510.00}, {$510.00} and {$500.00} were fraudulently withdrawn from my account.
Product: Credit reporting or other personal consumer reports

They reported to my credit report that I was 60 days late and they had a data breach back in XXXX up to XXXX. I was mailed out the letter about the data breach, but the data breach we was not able to pay our mortgage for XXXX in XXXX, they were holding payments because of the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I hada car loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease  and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy
Product: Credit reporting or other personal consumer reports

I acknowledge the time you have dedicated to rectifying the presence of fraudulent entries in my file arising from an alleged identity theft. However, several items still persist that necessitate removal. This marks my seventh complaint regarding identity theft victimization. In accordance with the Fair Credit Reporting Act Section 605B, ( a ), it is mandated that you expeditiously eliminate any items opened without my knowledge, consent, or authority within four business days. This removal requires the submission of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer affirming that the information does not pertain to any transaction by the consumer. The following fraudulent items require removal : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$88.00} XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- TRANSUNION : XXXX XX/XX/XXXX