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

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( s ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX Payments, Inc.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I have tried contacting Original creditor and they stated over the phone that account no longer belongs to them. Therefore, they couldnt help me. I wrote to XXXX XXXX, XXXX and XXXX regarding this account as it is stating incorrect. XX/XX/XXXX I requested to delete account as I do not recall having this account. Account was previously stating collection yet derogatory at the same time with all three bureaus after dispute XXXX XXXX has changed from stating collection account to open account while XXXX and XXXX continue reporting collection. This is impossible account can not be open yet in collection at the same time. Previously, account was stating XX/XX/XXXX as date open with experian and XXXX currently XXXX and XXXX have change date open to XX/XX/XXXX. Before Payment history was not stating no data were now experian has added conservative charge off as if it was some sort of payment method. Account has also been re-aged pushing back the day it should fall off this is not acceptable. It is not possible that all three bureaus are right when information is coming from the same furniture data. I have attached a copy of previous and current credit report and underlined errors to further assist with request.
Product: Mortgage

We purchased my homeowners insurance with XXXX and paid in full {$1300.00}. We uploaded the documents on Wells Fargos website at www.mycoverageinfo.com/Wells Fargo even though we did all required, we did not stop receiving letters to upload our home owners insurance. We did call customer service many times ( on a recorded line ) and every time they check they could see the documents uploaded. We were ensured by XXXX customer service agents that everything is fine with our homeowners insurance and it is visible in the system. 

Today we received a letter from Wells Fargo that a policy was bought our behalf for {$3500.00} to cover our homeowners insurance because they did not receive proof of insurance. We have spent now hours on calling, emailing, uploading. We have done our part in keeping our account updated, It is becoming very frustrating at this point that they have not! If we get charged a single dollar for homeowners insurance, we are ready to seek legal action to the fullest against Wells Fargo home mortgage. 

We need this case escalated ASAP.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to resolve an issue with inaccurate credit reporting despite using their dispute resolution services. Their failure to investigate and correct inaccurate information related to my account with XXXX has caused significant harm to my credit score and financial well-being. 

In XX/XX/year>, I reached a settlement agreement with XXXX to resolve my private student loan account. Under the agreement, I paid {$6000.00}, and XXXX confirmed that the account would be reported as paid in full for less than the full balance. Despite fulfilling the terms of the settlement, XXXX has continued to report the account as charged off and delinquent every month since XX/XX/year>. 

I submitted disputes to Experian, XXXX, and XXXX regarding this inaccurate information. Despite providing sufficient evidencesuch as the settlement offer email, proof of payment, and documentation of the incorrect reportingthe credit bureaus failed to : XXXX. Properly investigate my disputes. 
XXXX. Remove or correct the inaccurate information. 

This negligence has caused severe damage to my credit score and prevented me from accessing financial opportunities. Their lack of action violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of their dispute resolution process. 

What Happened : XXXX offered me a settlement agreement for {$6000.00} in XX/XX/year>. 
I made the payment on XX/XX/year>, and XXXX confirmed the account would be reported as paid in full for less than the full balance. 
XXXX, however, has reported the account as charged off monthly even after/ since settlement was payed in full XX/XX/year>. 
I disputed the inaccuracies with Experian, providing evidence to support my claim. 
Despite this, the credit bureaus either failed to act or updated the information incorrectly, leaving the negative entries on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  days before the payment due date. 

( 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Checking or savings account

I seen the available balance in my account so I used my card, later I received a negative account on top of overdraft fees. I was told that even thought the amount was unavailable the funds were unavailable to spend this action resulted in my account being closed and being demanded to pay back the full balance including overdraft fees
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Santander Consumer USA Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting Act. 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 has violated my rights 15 U.S.C 1692b ( 2 ) Acquisition of location information a collector can't collect on a debt if you're not int the state. 15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692e Section 8 : updating without showing disputed. 15 U.S.C 1692e ( 2 ) ( a ) False or Misleading representations : False representation of amounts or legal status of any debt.
Product: Credit reporting or other personal consumer reports

I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
XXXX XXXX. 
XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXXO Inquiry Date XX/XX/2XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX
Product: Student loan

Navient never responded/made it clear how to update income for income repayment plan. I contacted them about change in income and no one responded. Website is extremely difficult to navigate and does not provide a section for updating income. Links on website loop to nowhere or time out.
Product: Money transfer, virtual currency, or money service

I wanted to purchase a keyboard from a seller on XXXX. 

Due to the shipping cost, seller suggested that I send him the payment of {$85.00} via Zelle and he would ship the keyboard. I did transfer the funds on the XXXX XX/XX/2024, and the seller never shipped the keyboard. 

Seller 's cellphone number : XXXX Seller 's name on the Zelle account : XXXX XXXX I asked Zelle to do refund on the XXXX XX/XX/2024 since the item was never shipped to me, and Zelle suggested that I contact my bank about it, and said they can not do anything about it, neither did they suggest to file scam complain, just nothing. 

I contacted my XXXX XXXX XXXX XX/XX/2024 ( XXXX XXXX XXXX XXXX ) about it. 

A few days later when my wife tried to send me money to my Zelle account, I learned that it was closed from Zelle 's customer support. It was closed without telling me the reason and without telling me about its closure. 

I never received the refund of {$85.00}, nor the keyboard.
Product: Student loan

piggybacking of my last complaint where they still won't put me on standard repayment plan I've been approved for months ago, the auto debit is still pulling the graduated payment amount when it actually is pulled ( i can't add to this because it will just pay me ahead instead of pay down the principal - I'm paid ahead until XX/XX/2024 - why? i asked them in writing to distribute extra money given to highest interest, etc. [ using cfbp template and it's still not happening ] ) anyway now they told me they'd fix it, I'll pay the standard amount ( still not true ), then they applied me to an IDR plan ( that I didn't ask for ) and put me in admin forbearance ( that i also did not ask for. I am NOT having trouble paying... i can NOT do PSLF, there's no reason to be on IDR I want to pay more. ) that was background : today i go in to pay off a specific loan, since they can't seem to distribute my payments so I'll pay off the whole loan with the lowest balance. well, that loan is technically on forbearance -but tell me why it's been gaining interest this whole time? and how when I had to do the payoff amount it included TODAY 'S interest. HOW? " they aren't accruing interest '' according to mohela or dept of ed. XXXX please never pay these people ever again
Product: Credit card or prepaid card

I APPLY FOR A BEST BUY STORE CREDIT CARD, IT WAS DENIED WITH NO REASON WHAT SO EVER, MY CREDIT IS OVER XXXX, AFTER 2 WEEKS I GET A LETTER ( IN XXXX ) SAYING THAT THE LENDER WAS CITIBANK NA AND THEY SEND A NOTIFICATION SAYING THAT ''THEY HAD DECIDED NOT TO OFFER ME ANY TYPE OF ACCOUNT SERVICE '', WHY IS THIS? 
I DID CALL BEST BUY CREDIT SERVICES TO XXXX AND THEY SAY THEY HAVE NO MORE INFORMATION ABOUT THIS, I ALSO CALLED CITIBANK, THEY TRANSFER ME MORE THAN 3 TIMES TO DIFFERENT SECTIONS AND NOBODY COULD EVEN FIND MY NAME OR MY APPLICATION, SO I DECIDED TO WRITE A LETTER TO BOTH COMPANIES, BEST BUY AND CITIBANK, OF WICH NON HAVE ANSWERED BEST BUY REFERENCE # XXXX
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/1991 Last XXXX SS # : XXXX XXXX XXXX XXXX : Equifax XXXX XXXX Account name : XXXX XXXX XXXXXXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as XXXX, but also shows a past due balance of {$250.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is over 50 inquiries showing on my credit report that I did not make and have no idea what they are for, I have reached out to Experian to help me get to the bottom of this problem and they have not responded to any of my request for proof on how these Inquires were made, I can assure you that I have not applied for anything from these companies and they will not have my signature, drivers license, or anything showing that I have. I would like these inquiries removed immediately and proof of how, where and when they were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX BK OF AMER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JEFFERSON CAPITAL SYST is reporting that I have an open balance of XXXX on three of my credit reports. I have never received any corresonpondce from this company informing me that I have an outstanding balance explaining the nature of the debt. The debt balance has initially been from XXXX that was a dispute that while was XXXX in XXXX and was charged-off sold to XXXX XXXX XXXX, which I disputed the amount owed with several times. In XX/XX/XXXX, the company removed the balance from my credit report. I recently pulled my credit report and seen that In XX/XX/XXXX, JEFFERSON CAPITAL SYST place this on my account as a past due account, which is inaccurate information and is reporting a of XXXX is a revolving line of credit. I would be grateful for any assistance to resolve this matter because I won the dispute with XXXX XXXX XXXX for faulty collection practices.
Product: Credit card

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is XXXX industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be sent to XXXX, XXXX, and XXXX immediately so that they can update their records accordingly : Account #, date last active, Payment History Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : American Express : XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment history provided by Ocwen is incorrect and shows where Ocwen has reversed payments on their end despite payment confirmations on our end. Ocwen reported our mortgage was 30+ days late to all 3 credit bureaus in XX/XX/2018, XX/XX/2018, and XX/XX/2018 which is incorrect. The payment records I've attached show the payments were correct and Ocwen 's record shows them removing payments from our account several days after the payments were made. There are currently 30 states that have filed lawsuits against Ocwen for similar practices. They also refuse to respond to any questions on the phone. Ive called numerous times and been disconnected, transferred, hung up on, given fake numbers that dont work, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have attempted several times, with and without the assistance of the CFPB to have Equifax perform a PROPER investigation into the public record on my credit report. They state, directly on my credit report, that they used XXXX as the source of verification for this bankruptcy. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Equifax continues to assert that they verified this public record with XXXX, which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Equifax, I am requesting that you do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.
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 violate the Customer Financial Protection Act ( CFPB ). 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 or other personal consumer reports

I viewed my credit report and found the new information that was placed back on my report. Called XXXX  and was told Commenity bank was reporting the name that is on my report as XXXX XXXX with the address of XXXX XXXX XXXX and it couldn't be removed even though it was removed before. I have XXXX nam and XXXX address and that is XXXX XXXX at XXXX XXXX XXXX. They should know this because i have an account with them with this information.
Product: Bank account or service

We received a notice from the IRS on XXXX XXXX, XXXX informing us that we owed an additional {$23000.00} on our XXXX tax return due mainly to unreported income in the form of a Cancellation of Debt form XXXX submitted by Citibank. 
We had no prior knowledge of this activity and attempted to contact Citibank for information. We were able to get information that the account activity in question was from XXXX, 17 years ago. We were living in XXXX at this time and neither my wife or I have had any accounts with Citibank. We have never received a bill, a statement or any other correspondence regarding this account. We have made numerous telephone calls to Citibank attempting to get any type of details about this account and have continuously been denied any information. Several of these calls have lasted up to 3 hours while constantly being transferred from one department to another. Our tax prepared requested us to ask for a copy of the XXXX form that was sent to the IRS and even this request was denied. We believe this matter is a mistake on Citibank 's part or fraudulent activity by another party. We request that Citibank either inform the IRS of their mistake or provide us detail information so we can prove fraudulent activity has occurred.