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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXX XXXX XXXX XXXXXXXX.The following inquire was not authorized and should not be reported XXXX XXXXXX/XX/XXXX. The following inquire was not authorized and should not be reported XXXX XXXX following inquire was not authorized and should not be reported. XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a late payment for XX/XX/year> i made XXXX payments for that month one being on its due date XX/XX/year> in the amount of {$39.00} and another on XX/XX/year> for the same amount. I repeatedly disputed this and not correct actions have been taken. Please assist me. They are reporting this inaccurate information on my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax cyberattack, my information has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. Enhance Recovery Services hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Debt collection

I requested the original copy of the agreement i signed or proof that i actually owe this debt. 30 days elapsed, they updated case as " verified ''. I had gotten no emails and no proof as requested. 

They did not send me anything. A cease and desist letter will be sent to the address listed on the bill. 

But I want the incorrect derogatory remark removed or i will file a small claims case against the company for the amount listed in the debt and any legal expenses incurred, and missing wages as well as damages done to my credit. 

I wanted a copy of the contract I signed. That 30 days is well past. I requested this information like XX/XX/XXXX of 2024 or something like that. And numerous times in the past. They need to stop being rude when i won't provide my ss # to verify ... ss # is not a form of identification according to the rule on the card.
Product: Mortgage

Fore recent XXXX weeks, I could not access myloancare website ( this is my mortgage company, I am homeowner ). Their customer service can not ve reachable ; and they did not provide any email saying their website is down or any instruction regarding website down. Morgage due date is XXXX, which is few days later. I would like to pay my mortgage monthly payment, but there is no way I make payment since myloancare website is down for few weeks.
Product: Checking or savings account

On XX/XX/XXXX, I opened a CitiBank XXXX Checking account because CitiBank offered a {$320.00} cash bonus for new customers. I funded {$1500.00} and {$3000.00} on XX/XX/XXXX and XX/XX/XXXX from my checking account at XXXX XXXX XXXX  to fulfill the welcome bonus requirements. However, on XX/XX/XXXX, I made a XXXX transaction for {$490.00} to my personal XXXX account and requested a {$1500.00} XXXX transaction from the same XXXX XXXX account, CitiBank claimed that I violated the policy and closed my account. I called their customer service and fraud department, they requested me to go to the local branch in person without providing the reason. I went to the branch on XX/XX/XXXX, but the local banker could not reactivate my account and I was told my welcome bonus was canceled. My {$2000.00} was withheld by CitiBank and the {$320.00} bonus was neither received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify my credit for a few months now and I have reached out to Experian about incorrect accounts reporting on my credit report and they failed to conduct a proper investigation in making sure that only accurate items were on my report. I have gone through the exercise of jotting down each inaccurate account on my report here in hopes that Experian will finally fix them by removing these inaccurate accounts from my credit report.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$6400.00} Collection Inquiries in Dispute : 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
Product: Mortgage

We paid off two mortgages on XX/XX/XXXX to AIM loan. There were outstanding escrow balances of {$1600.00} and {$1500.00}. When the amounts were not received, we called AIM loan in XX/XX/XXXX. We were informed that the checks had been sent to an obsolete address ( we had sold the house to which they were mailed in XXXX ) and no action could be taken until 30 days from that time had passed. We called back in XXXX and were informed that we had to submit a change of address in order to receive the checks. The change of address was submitted and approved and on XX/XX/XXXX were informed that the change of address was complete and that the two checks would be sent after 7-10 days of processing time and then mail time. ( See attached email. ) When the checks never arrived, we called again in late XXXX. The customer service agent again promised these checks would be sent, but refused to promise a time frame. It is now late XXXX, more than months after payoff, and AIM loan has still not sent us our outstanding escrow balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX NA {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} CREDIT CONTROL CORPORATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed for chapter XXXX bankruptcy protection. I came to an agreement with the Federal Trustee to voluntarily agree to a dismissal of discharge. I have sent this documentation from the Federal Bankruptcy court Massachusetts Division to Equifax in two complaints. One complaint was on XX/XX/XXXX and the second on XX/XX/XXXX. I stated that the bankruptcy was being reported by Equifax as Discharged. It has not been discharged and no debts were discharged. They continue to not agree with the documentation from the Federal Bankruptcy Court Massachusetts in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a XXXX to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX and XXXX even Transunion.
Product: Credit card or prepaid card

On XX/XX/XXXXmy husband tried to get a credit increase -- I did not authorize him to do as such and do NOT desire an increase. So please do not do a soft or hard credit check as I do not desire the increase and it was not authorized by me.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , Inc ) due to inadequate customer service an unfair practices, which violates consumer financial protection act. Specifically, Cash app has failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under under the electronic funds transfer act and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit card

Hi cash app wont allow me to have a account with them they said its restricted now how can I file a dispute with them to unlock it
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against the following lender : Santander Consumer XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.
Product: Checking or savings account

chase bank froze my account and stated they would permanently close it. all this after i filed a claim for {$80.00}. they still insist to close it. now ... .they are trying to freeze it over {$1.00}. i deposited the dollar yesterday. there was {$80.00} credit from the claim which i reversed. Chase not credit the account {$1.00} to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX my Wife and I filed for chapter 13 bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay '', " Notice Only '' payments to be made by the debtor ( s ). On XX/XX/XXXX XXXXour bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on-time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '' to the credit bureaus. As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all XXXX credit bureaus to dispute this. XXXX continues to keep our loan in there " Loss Mitigation Dept. ", the department manager XXXX XXXX says they have done everything they can do to fix this and blames the credit bureaus, the credit bureaus say they can only report what they receive. We check our credit regularly and pay monthly for XXXX XXXX XXXX, to date nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I entered into an agreement Pursuant to 15 u s c 1602 ( k ) XXXX XXXX  never provided me an adequate notice with clear and conspicuous pertinent facts of transaction, which caused me to make a uninformed decisionXXXX XXXX never informed me about the cost of credit, and the only evidence of the indebtedness was just a computer-generated agreement.according to 15 usc 1602 ( k ) the term adequate notice means a printed notice to the cardholder.further, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. I did not benefited from the transaction which is a violation of 15 usc 1602 ( p ) according to 15usc1602 ( p ) the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires that appear on my credit report. A large amount of these inquires do not belong to me. I have never applied to these places listed. I was advised to complete a FTC with a list of the items and submit for investigation. Please have these fraudulent items remove from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

My original loan was with XXXX {$310000.00}. My mortgage was taken over by XXXX and later taken over by Specialized Loan Servicing LLC, servicer for XXXX. I did have a series of bad luck & XXXX. I am a XXXX, until I needed a XXXX that put me out of work for 6 months. Later I had to have a XXXX, then my surgeon told me that I could no longer XXXX. 
SLS kept telling me to reapply for a modification, but I was advised that even if I could make a payment that they will not accept it. I worked with XXXX in XXXX and we reapplied and SLS had a different reason to refuse a modification every time. This went on for three years, causing me to now owe about {$85000.00} in the arrears. 
my income did not meet 31 % toward mortgageI had too much equity so my NPV came out negative / they had over valued the housethey ran the numbers again and did not include my Fianc 's income, income was too lowthey ran the numbers again with his income as a contributor and the lower appraisal again a negative NPVthen they scheduled a Foreclose Auction DateI had to File Bankruptcy to figure out what to do next. 
I grew up in this home & raised my children in my home. I have some neighbors that we have known each other since 1960.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with zelle. Despite using Zelle numerous times and reporting discrepancies, my financials institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud. This is unfortunate and raises serious concerns.
Product: Vehicle loan or lease

USAA Survi  vor Relations group for credit card and auto and trailer loans are not reachable. Tried to speak with someone multiple times over past 5 plus business days. Continuous hold. I am attempting to pay off and close my younger brothers credit cards, car and camper loans with USAA. My younger brother passed away and was a military veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information that I have a account with this creditor. I attempted to reach out to the number provided and hit a dead end.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts 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.