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

I currently have 2 closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, XXXX, experian ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX I sent a dispute to XXXX credit bureau in this dispute, I challenged the following inaccurate, incomplete, and unverifiable data that has been placed on my consumer report. XXXX XXXX XXXX XXXX account no : XXXX and and XXXX XXXX XXXX XXXX account no : XXXX The following accounts are a result of Identity thief, I contacted XXXX, I provided the following documents an Identity thief report, a XXXX XXXX Police report XXXX along with other documents that proved that I was a victim of Identity thief. These accounts were then deleted by XXXX, 30 day later without notification these account were reinserted violating the FRCA 611 15 USC 1681 i that states ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or it if authorized by the consumer for that purpose, by any other means available to the agency. XXXX is also in violation of FCRA 611 15 USC 1681 i ( B ) Certification of Accuracy of information of previously deleted material. XXXX is indirect violation of the FCRA 611 15 USC 1681 i and Federal law, I never received a notice in writing or any other way they had 5 business days to do so and they failed to do so, causing my credit score to drop causing me harm, I am enclosing a document from XXXX were they state that they did delete these accounts and then rescinded, I demand that these accounts be deleted because XXXX failed to INFORM ME IN WRITING NOT LATER THAN 5 DAYS, of the reinsertion furthermore they never furnished me a copy of the certification of accuracy of information. from them or the creditor.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App and or Block inc. due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I went into my credit report and found 2 mortgages both closed under wells fargo Bank. They suddenly transfered out my loan last year after being with them for many years and never missing or being late on a payment. I have never had more than 1 mortgage with Wells Fargo and I don't understand why there are 2 with different account numbers attached to them.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX XXXXXXXX Balance : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$37.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  ( XXXX XXXX  ) account number 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 customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX now owned by XXXXXXXX XXXX  is reporting my account as 30 days late after updating my account as current. I spoke with them and they updated the account to current after doing an in depth investigation and finding my accusation as never paid late valid. They changed my account to 30 days late to better their situation in reporting my info back to the data agencies for their benefit. This information is inaccurate and they are practicing illegal acts with no information or original contract that this account is late. 
According to 15 U.S Code 1681e they are in the wrong. 

XXXX XXXX XXXX reported positive then the same day changed the account to negative when they knew they are wrong. I have supporting documents showing this action. 

I reviewed my Consumer Report and noticed that I have one late payment on my account and I was never late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX : Account ending in XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights t

o privacy and confidentiality under 15 USC 1681. I told Experian to reinvestigate this acco
unt, Account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 card

I believe the account is invalid. Halsted Financial Services collection agency and XXXXXXXX XXXX XXXXXXXX, XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. Halsted Financial Services XXXX XXXX : XXXX XXXX  XXXX, XXXX. Reference # : XXXX
Product: Credit card

Id like Barclays to refund my {$99.00} annual fee paid on XX/XX/XXXX for my XXXX XXXX credit card. Barclays provides an 60 day grace period after the annual fee is paid to close the account and receive a refund of the {$99.00} annual fee. For me, this deadline would have been on XX/XX/XXXX. 

I tried multiple times to close the card during XX/XX/XXXX but was unable to connect with a customer service agent. Unfortunately, Barclays doesnt allow customers to close their credit card accounts by mail ; customers must speak with a customer service agent. 

I was finally able to connect with a customer service agent on XX/XX/XXXX and was able to close my account. However, this date is outside the 60 day grace period and I did not receive a refund of my annual fee. Moreover, I experienced a near miss and almost did not succeed in closing my account. The customer service agent encountered systems errors and had to reboot his systems twice. The agent acknowledged that Barclays has frequent problems with its IT systems that prevent customers from completing their requested account actions. 

Below are the dates and times when I contacted Barclays customer service phone number ( XXXX ) during normal business hours during XX/XX/XXXX. Each time, I was subjected to wait times of over XXXXXXXX XXXX and in all but one case was automatically disconnected. Since Barclays does not make a good faith effort to maintain sufficient staffing nor the IT systems reliability to ensure proper execution of account closing procedures, Id like Barclays to refund the {$99.00} annual fee. 

Dates of contact with Barclays : 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: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXXXXXX XXXX  account number XXXX. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

well Ive always had this problem o cant seem to get a credit card or check my credit idk what I owe or how I can find out but seems to know how to help me I was wondering if you guys can
Product: Credit card or prepaid card

I paid Citi Bank XXXX XXXX AAdvantage credit card approximately {$37000.00} so I could use the card to pay some medical bills and their website said the funds/credit line was there to use. Every time I tried to use the card the charge was denied. I have spent four one hour phone calls with them and they still have not resolved the issue. They are holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A 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

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )/ account # - XXXX / {$68.00} XXXX XXXX account # XXXX / {$1100.00} XXXX XXXX  XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX  XXXX XXXX account XXXX - {$18.00}
Product: Debt collection

I opened a line of credit while paying in the check out at XXXX XXXX XX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXXthe bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX capital one bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. Capital one will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and XXXX XXXX XXXX  is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from XXXX XXXX XXXX  because they are using the address provided by XXXX capital one. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX capital one my credit score has gone from XXXX  to XXXX over the course of a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to each bureau and they have not responded to unverified items. Here are the items listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S. Dept of Education XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX # XXXX, # XXXX.
Product: Mortgage

On XXXX/XXXX/XXXX I owed Chase {$110000.00} for my mortgage then they incorrectly added XXXX as a " loan maintenance fee '' which they tell me is the correct amount for compound interest due to my loan modification. I do not think this compound interest is correct and would like this amount corrected -- my original interest rate was 4.87 % pre-modification. At one point my loan was paid down to as low as {$110000.00}. I had a HAMP modification starting in XX/XX/XXXX and Chase would repeatedly lose my paperwork and delay finalizing my modification for 2 years where in the meantime they put my money in a suspense account and racked up " loan maintenance fees. '' 1 ) I do not know where they got this $ XXXX number came from -- even at my pre-modification interest rate the compound interest does not equal $ XXXX. 2 ) Also, the bank should not profit from delaying my modification just to rack up erroneous and exorbitant fees and interest.
Product: Prepaid card

To Whom It May Concern, I am writing to complain about an issue with my direct deposit. I have not been able to retrieve my paycheck because it was sent to an incorrect account, and despite efforts to resolve the issue, the problem remains unresolved. 
Details of the Issue : The supposed account information of where my money was sent : Account # : XXXX or XXXX Routing # : XXXX Direct Deposit Information : Employer Name : XXXX XXXX XXXX XXXX XXXX. 
Date of the Payment : XX/XX/XXXX for a XX/XX/XXXX check date Amount of the Deposit : {$470.00} A trace number provided by the issuer : XXXX XXXX is what youll see on your bank. The payroll provider is XXXX Despite my employers attempts to correct the issue, including initiating a payment trace, I have not received my funds. The bank ( XXXX XXXX XXXX ) claims the account numbers provided do not exist, yet no one can explain where the money has gone or how to recover it. 

Actions Taken : I have contacted both Venmo ( which processes my direct deposits ) and XXXX XXXX XXXX to resolve this issue. Venmo has been unable to locate the funds, and XXXX XXXX XXXX has informed me that no such account exists. 

My employer has also attempted to trace the payment and reverse the XXXX transaction but has been unsuccessful in retrieving my paycheck. 

I have also reached out to my banks support team and Venmo customer service multiple times, with no resolution to date. 

If you would like an even better understanding of my issues contact my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my3 beureu consumer report and I noticed inaccurate information posted on my consumer report : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dispute reason Unverified account I never had a contract with this debt collector for any debt. 
Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from Equifax, there is still a chance that it will be removed in the coming days.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I wrote Comenity requesting reversal of Comenity 's detrimental submittal to credit reporting bureau XXXX and perhaps others that I was one month late in paying this card. The delay was not my fault as I set up auto-pay of the total balance due for this card as I have done for all my other accounts for which the funds should have been withdrawn on time. Instead, the system delayed the withdrawal. This has never occurred on any of my other accounts all of them and always withdrew on time and immediately after I set up the autopay. That Comenity took too long to withdraw should not be a detriment to my credit. As soon as I received notice that the payment had not been made on-time, I paid the full balance due on the Comenity AAA card site, which indicates my responsibility to timely pay my accounts. Until this time, I have never had a detrimental reporting to a credit bureau.

Comenity denied my request to reverse, so this detrimental reporting is still on on my XXXX and perhaps other reports.
Product: Credit reporting or other personal consumer reports

My name is, and I am writing to bring to your attention fraudulent information on my credit reports. 

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

1st you need to Update my personal Information and Remove Fraudulent Addresses : XXXX  XXXX XXXX {$56000.00} opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$53000.00} XXXX opened XX/XX/XXXX {$60000.00} XXXX XXXXXXXX opened XX/XX/XXXX {$68000.00} XXXX XXXX  XXXX opened XX/XX/XXXX {$36000.00} XXXX  Opened XX/XX/XXXX {$50000.00} XXXX XXXX opened XX/XX/XXXX {$95000.00} XXXX XXXX opened XX/XX/XXXX {$960.00} XXXX opened XX/XX/XXXX {$68000.00} XXXX XXXX XXXX opened XX/XX/XXXX {$35000.00} FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned.
Product: Vehicle loan or lease

Date XX/XX/XXXX Amount XXXX $ Try to payoff if it is XXXX $ Company : Westlake financial services Auto loan. 

Hi I purchased a new car on XXXX with high interest. Now in pandemic emergency situation I am in financial bad situation and cant afford pay this high interest payment. I offered company that if the payoff amount is XXXX XXXX I will try to payoff whole amount.by borrowing money from my family members. 
But company did not approve my offer. I want you to fix this problem. I am in deep financial problems because of COVID-19 pandemic emergency situation. I sing contact XXXX and that time there was no situation like today. My XXXX business went down 70 %. 
Please help me to solve this problem and safe my life. I am in deep financial problems. In COVID-19 emergency situation lot of company laws are being compromised. Please help me Thanks
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$530.00} 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 TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen now moved to PHH mortgage somehow took over a secured loan that I had on my home and it is now called a Mortgage. I had loan modified a couple of years ago to save on the payments but this meant they had to escrow taxes and house insurance which I normally paid myself without issue ie being behind in any payments. Since they took escrow over it has been calculated wrong and it has made my payments increase by more thank {$100.00} with every year miscalculation. I get nowhere in the phone asking how it can be miscalculated. What can I do?
Product: Credit card

I am disputing the collection account with WFBNA CARD, account number XXXX dated XX/XX/2017, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that WFBNA CARD provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.