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

My account with 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 XXXX  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 XXXX  days before the payment due date. 

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 1002 and It was never provided. 
This is XXXX, XXXX, XXXX, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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
Product: Money transfer, virtual currency, or money service

Abra continues not to respond nor fully resolve issues and is misleading regarding the response timelines that they have provided to me as a client. Per my latest message, sent on XX/XX/XXXX with multiple follow-ups since without a reply, I am now able to access my account. However, regarding withdrawing my assets, Abra no longer allows users to sell to USD, practically only allowing for withdrawing. I no longer want to be an Abra member and there is a relatively high minimum to withdraw. Why and what options are there to liquidate my account given that I no longer want to be a member? Minimums in the case of account closure should be waived. 

I would appreciate if Abra could fully and accurately respond to this issue so it can be completely resolved. They also ignored a XXXX complaint.
Product: Debt collection

Hey its been a year since I've tried disputing these fraudulent accounts. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.
Product: Mortgage

I had an existing mortgage with Wells Fargo that I applied for cash out refi. with. I went through the application process providing them with everything they requested of me. However the loan processor XXXX was very rude, disrespectful, and indifferent including requesting proof of insurance on the same loan they already had proof of because of the escrow. I had to literally email her a copy of the same Mortgage Statement that showed they paid the insurance on the property they already have the mortgage and pay the insurance with through my escrow account. Besides that I found out that when I did my did a refi from a 30 year to a 15 year loan with Wells Fargo in XXXX, they never removed the lien from my original 30 year loan and was asking me why I had another lien on the property I was doing the cash out refi on now. I had to inform them that they were the ones to ensure that the title was updated to reflect them being the only lien holder on my property. 
Next issue I provided her with copy of my XXXX showing me as 100 % owner of my company yet he failed to update records showing me as owner requesting that I need a letter stating I am authorized to conduct transaction on my solely owned company, Next in providing them with proof of over {$8000.00} available in my accounts plus assets that valued more that what my loan amount would be she failed to submit my loan to underwriting. Your conduct and behavior was so reprehensible that I sent her an email indicating that I would pay my loan off and go else where for service because she made me feel like they were not going to process my loan and string me along. I placed calls to her supervisor who never returned my calls and I asked the loan officer that originated the loan with me to replace her with someone else to work with on XX/XX/XXXX XXXX because and I would rather pay my loan off and move on that deal with that kind of disrespect. All I knew next is he just went and leave without informing me and she was just mean. She was so rude that I stated it seems they are not interested in my business so all I need to do now is pay off my loan and take my business else where and that is what I did paid my loan off with a wire for {$3400.00} which is the pay off quote I received on XXXX after she started acting the fool and her supervisor never returned my calls and after I asked XXXX the loan officer to provide me with someone else. By the way it seem she can conduct herself that way because her supervisor XXXX has the same last name as her. 
So I wired funds and paid my loan off yesterday XX/XX/XXXX and Now they are telling me it is going to take 60 days to get a Lien Satisfaction letter so that I can have them removed from my insurance policy is unacceptable since my insurance is due on XX/XX/XXXX on my property and they no longer have a right to be on my policy and they are refusing to corporate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX have been dragging this investigation out in regards to XXXX XXXX XXXX XXXX  ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXXXXXX XXXX Investigator XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a fraud alert on my credit report since 2015. XXXX  seems to be the only credit reporting agency that refuses to remove incorrect information, due to fraud. I have verification that certain accounts were removed including the one account in question with moneylion. I have been told that it was going to be removed but it still remains. Please remove this account from my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX XXXX and Experian requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the XXXX and they stated that they do not validate anything. I wrote both Experian and XXXX XXXX to give them an opportunity to verify that data. Experian wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Experian allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

XXXX credit put on my credit that I owe XXXX when I never used XXXX XXXX never spoke to them and its showing up on my credit I dont know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts arent mine. Please remove them.
Product: Student loan

In the past year, Navient has not only driven me into financial hardship, they have also tarnished my credit. At the end of XX/XX/XXXX and beginning of XX/XX/XXXX my student loan payments had started. I called Navient numerous times to get my payments lowered as they were substantially high and I was ( and still ) unable to afford them along with my household living expenses. As of right now my payments are over {$900.00} a month, along with my XXXX loans which are around {$110.00} a month. When I called Navient in the early months of XX/XX/XXXX they had told me there was nothing I could do to lower my payments and did not take into consideration that I had an XXXX I needed to support. They had told me to stop making payments until my loans went into deferment and to call back after this time had passed and they may be able to do something as it will appear that I am unable to make the payments. After waiting I called back and explained my financial situation again, and asking for my payments to be lowered. After doing this for numerous months, as they had directed me to do, they refused to help me with a payment plan and they had me put my loans into forbarence for XXXX months. Knowing there " was n't anything they could do '' I started making my payments which are over {$900.00} for Navient along with my {$110.00} payment to XXXX, putting my family into financial hardship. 
Not knowing what to do and being able to afford to live independently with my family I did as they had directed me to do thinking they were going to help. Now I live with the harsh effects of this. I am now unable to consolidate my loans as every bank has denied my application because of the effects this took on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my computer hacked the later part of XX/XX/XXXX. I had tried several different times to notify the company regarding my new email address and they were for some reason never able to correct my new email address nor did I get any paper statements in the mail. I had been making the payments from internet and made my final one I thought since I never received any statements for several months until XX/XX/XXXX. I 've tried resolving this issue with experian working with the department stores. I immediately called the store and found that they have a balance and at that time I paid this in full. Just a soon as I found that there was a balance and at that time was told that they had entered a 30 day late on my credit report.Asked to have it removed the 30 day and was told could not. Balance paid in full on XX/XX/XXXX {$240.00}. Copy attached Also attached emails since they changed my new email address. Never any for months before. <P/>I asked if this would be corrected on my credit report and they said it would never be.Tried several times to dispute this and they never would change. I 've got great credit. This was not I feel my error. Never did I receive a statement from them Until XX/XX/XXXX.Please show that these statements were sent out to me.
Product: Prepaid card

I have been charged {$4.00} two times to have my card replaced when fraudulent transactions were place on it : both were refunded my the merchants stating they were fraud but DirectExpress will not reverse the fees now I have not received the second replacement card and I am being told I need to pay {$4.00} again or {$13.00} to get a new card overnight. They will not transfer my funds to another outside account without the new missing card number nor will they close the account and send a remittance for the balance. I have no way to get my ssdi without paying more money to get my needed benefits they are basically withholding from me at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. 
To Equifax Recently I did an investigation on my credit report which caused my XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I bank with Fifth Third and have over {$10000.00} in cash in the account. I also have a credit card of {$8500.00} which I obtained last XX/XX/2019. 
I have never missed a payment and paid off the card! I have stellar credit. This is by far the worst bank. Incompetent. Six weeks to pay a balance transfer and they take no responsibility for there incompetence. Horrible. I could not even make a {$40.00} purchase and I have over {$100000.00} in credit! I am closing my bank account and I can not even get my cash out of my own bank account due to bank being closed. There customer service is horrible. Overseas people that can not speak English! No response by executives XXXX XXXX or XXXX XXXX as to explain why my credit line was reduced by no fault of my own!!!! This is incompetent and unprofessional!
Product: Credit card

This is in regards to Wells Fargo that I recently discovered several credit cards that were opened in my name, and 1 is the only one I have discovered had my wrong birthday, along with a lean being put on my property for 6 years, to which I filed bankruptcy, and was discharged in XX/XX/XXXX, and somehow was left on my property from XXXX? I had no knowledge of this card even existing? I came across this letter that apparently I received in XXXX telling me it was resolved? I never followed up on it, because I assumed it was an error or something? I have done some research recently because I'm currently involved in a Wells Fargo settlement from them enrolling me in an identity theft protection plan that I never signed up for? Upon looking through old paperwork I discovered numerous credit cards that were vin my name that I even had judgements on, and were on my credit report for i don't know how long? In XXXX I refinanced my home with Wells Fargo Financial, and after that I only signed up for a XXXX XXXX credit card, one Wells Fargo credit card, and a checking account, and that's it? I have no idea what the rest of them are, or how these were put in my name, or how I never received statements on them? I also noticed XXXX card was put in my name in XXXX of XXXX that I would have never even qualified for, since I really only had XXXX  Wells Fargo card, XXXX  XXXX XXXX  credit card through Wells Fargo, and XXXX  checking account, but I have evidence of all these cards that I was never made aware I never signed up for? There was even a lawsuit of XXXX XXXX dollars that I should have been included in, but was never was? I have evidence of all these cards, and I want to get to the bottom of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App block due to ( Block , Inc . ) inadequate customer service and unfair practices, which violate the customer financial protection act. ( CFPA. ) specifically Cash out failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, they are dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation e. this action have caused significant inconvenience and financial loss and I seek appropriate redress for these regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUION report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. 

This account was deleted a year ago because of inaccurate reporting, false info and failure to furnish verification. THIS IS NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I am disputing this negative reporting on my credit report. The original creditor sold the debt to a collection agency who has been harassing me for payments. I am requesting that a 1099 c form be sent to me since it has been reported on my credit report as a charged off. The original creditor no longer own the debt and I did not enter into contract with XXXX XXXX XXXX I am requesting that they remove the charge off reporting from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.