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

I disputed a " 60-day late payment '' XXXX reported to XXXX and Transunion. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a 60-day late payment on my credit reports. I first called XXXX and they said to simply file a dispute with XXXX and Transunion. I filed a dispute with both companies by giving my account of the lease. XXXX and Transunion sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from XXXX and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent XXXX XXXX and XXXXXXXX XXXX 60-day late reporting dropped my credit score by XXXX  points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
Product: Credit reporting or other personal consumer reports

Your company has placed inquiries on my credit report without my knowledge or consent. I take my financial security seriously, and this is highly concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has assigned a collection to my name for a rental property that I have not leased from in over ten years. In addition to the previous fact, the {$1500.00} collection is assigned to someone under my name but with the wrong date of birth. Due to the error in reporting I have been denied housing multiple times and have wasted so much time and money due to application fees, storage, lodging. I have disputed the error and contacted the companies ( leasing office ) and have verified the debt does not belong to me however they are still reporting this debt and I am unable to obtain housing because of it. The debt is being reported on Rent Bureau through Experian. Ive disputed these charges informed them that the information is not mine, the birth date or social security does not match the my profile. Despite these efforts no one will remove this and Im being forced to go through extensive hardships to obtain decent housing.
Product: Debt collection

ENHANCED RECOVERY COMPAN Last reported XX/XX/2019 {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on 2 million XXXX XXXX  members Option 1
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried closing my biz account multiple times. It took me 3 hours to get to the agent. Once on the phone with the agent, she refused to close the account. Wells Fargo wants to keep charging me a service fee for the account that I don't use.
Product: Debt collection

i have worked out a payment plan with the hospital, they still put me into collections, i have received phone calls all day every day from varies numbers XXXX, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Yes I have had a Credit Karma account for years and this year I filed my taxes with XXXX and linked it to Credit Karma spend account ( bank account ) however some of my taxes were deposited I received the email I went to go log in and it wouldn't let me I noticed that the number was not mine I immediately called Credit Karma they were no help I submitted documents they wouldn't accept them submitted documents several times over the past month and half numerous calls, emails, and chats been told it was fixed several times and it's not I have even told them that they are continuing to allow someone access to my personal information and everything but they keep asking for documents I've literally given them everything but a blood sample and I keep getting told they have fixed it but it is not my money is gone this person got it I can't dispute it or or do anything cuz I can't login please help me
Product: Money transfer, virtual currency, or money service

I did not receive a zelle payment that was sent yesterday on XX/XX/27 in the amount of {$1000.00}. The sender entered my email correctly linked to my zelle account at XXXX XXXX  ( see attached ). 

I have tried multiple times throughout the day to contact Zelle but they run a automated answering service with no option to speak to a live person. They also absolve any responsbility to track down transactions and inform people to just contact their bank. Zelle has also not resonded to a online message I sent them. My bank ( XXXX  ) is completely unreachable with no one picking up the phone or answering chat messages.
Product: Mortgage

Today, XX/XX/XXXX, and last six months I am faced with a " One-Time Payment Fee '' although I am well within my contracted grace period in which I should be charged NO Late-related FEE. 

Yet this company 's web site applies a " One-Time Payment Fee '' depending on lateness, per schedule below. 

This feels to be a violation of my contract and fee-gouging. They explain their processor charges them and passes the fee along. I countered that they can ( 1 ) switch payment processors ; or ( 2 )  absorb this unnecessary, unreasonable fee. 

Note I have NO ALTERNATIVE to paying within my grace period. No branch to visit. And via phone there is a phone convenience fee of {$15.00} XXXX XXXX XXXX XXXX XXXX One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00}
Product: Credit reporting or other personal consumer reports

I am requesting an severely investigation 15U.S.C 1681c upon capital one with an Account that is paid in full from 2017 that is still reporting inaccuracies on my XXXX credit report .other Credit reports does not obtain this capital one from 2017 on my credit report .I also reached to capital one during to the data breachi was not nofited or contacted ... it is unlawful change in deliquency dates, misreported active payment history showing repeated c/o showing close accounts ..Due to statue of Limitation i would like to have capital one from 2017 Removed off my credit report It's afftecting my ability to get credit /Obtain a Home
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 violates cfpa. Cash app failed to address and prevent fraud on their platforms. Which is unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX Experian and XXXX XXXX. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.
Product: Vehicle loan or lease

I wanted help to lower my monthly car payments by dropping or eliminating the extended warranty and other extra stuff, but was denied. Times are hard!
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/18 I was alerted that I received a hard inquiry on my credit report. I didnt sign up or approve anyone to check my credit report on XX/XX/18 but I got a hard inquiry. I called TransUnion to inform them that their is a duplicate hard inquiry in my report. I informed TransUnion that it wasnt me on XX/XX/18, I  asked TransUnion to remove the duplicate inquiry because its against FCRA guidelines to display inaccurate or false information about me. TransUnion denied me the right to dispute the inaccurate information. TransUnion asked for me to get a letter from the bank and the bank doesnt give out letters like the one TransUnion asked for. This is an error on TransUnions part and they refuse to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, so this company called corelogic credco, based in san diego prepared my credit report for a dealership, where I was applying for credit to finance a car. But the report is showing two mortgages that are closed as open and so those open mortgages are adding to my present mortgage and is showing that I owe XXXX k in real state, which makes my monthly mortgage payment almost XXXX dllrs. So I called corelogic credco and the woman that I talked to pulled the information from the report in front of her, I explained everything in detail, and she found the problem, but after waiting for a long while she came back to the phone and said that it was " a software problem and there was nothing they could do to fix it. I told her that there must be something they could do because it is their software and it is affecting my credit because I had been denied credit in 5 different occasions that I applied prior to the dealership, but her response was the same. she said " I 'm sorry sr but there is nothing I can do, is there anything else I can help you with? '' At this point I was upset, so I hang up the phone.
Product: Debt collection

XX/XX/year> it says my account has been charged off when I requested to know who I owe my debt to. They sent a letter stating that they are midland credit management and I owe my original debt of XXXX to comenity capital bank and since that date they are no longer reporting my account to the credit reporting bureaus. Since then they have been mailing me letters but since they dropped my debt that I didnt owe to them off my credit I didnt reply to the notices. I recently received a pre-legal notification. Im not sure what the next step was I thought the charge has been dropped because I didnt sign anything with them.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account XXXX : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Can't XXXX Was Notified that they are not reporting to XXXX four months ago and still not reporting and reporting the wrong payment on account
Product: Credit reporting or other personal consumer reports

A company listed as CITI CARDS CBNA pulled my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, according to my XXXX report dated XX/XX/XXXX. I have attempted to get XXXX to remove these hard pulls in the past and they have not done so. XXXX 's automated system also keeps providing system errors so nothing can be done online. The number for CITI that I called states they are a XXXX XXXX XXXX and the answering service puts you in a loop that keeps asking about your age and if you want to apply for a XXXX XXXX bracelet - I called them on XX/XX/XXXX. My account was supposed to be frozen but I am seeing hard pulls that should not be on my report. Location : XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/1967 Social Security Number : XXXX
Product: Credit card or prepaid card

Wells Fargo opened 3 credit cards for me in XXXX and I have requested them to close my cards. I have received the letter in XXXX stating that was a fraud on their part. Wells Fargo reported the credit card debt to consumer credit report for collection service. The collection hurt my credit score significantly. Please remove that debt from Wells Fargo. Thanks.
Product: Debt collection

Southwest collections. Never advised me of a debt. Also it's not mine. They don't have my social. They claim it's cable equipment from 4 years ago. The original creditor never reported to my credit report. They purchase an old cable equipment debt and put it on my credit without notifying me. Then say I owe XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Ford Motor XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., FDCPA, and Pennsylvania XXXX I am writing to file a formal complaint against Ford Motor Credit, located at XXXX XXXX XXXX, XXXX, XXXX XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX XXXX. XXXX ( a ) and XXXX XXXX. XXXX, among others as well as the FDCPA and Pennsylvania XXXX. 

XXXX XXXX XXXX has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that XXXX XXXX XXXX XXXX XXXX owns this account and has been compensated for it, the persistence of this trade line on my credit report is incorrect and misleading. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/2021, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my XXXX XXXX and financial standing. 

Pursuant to XXXX XXXX. XXXX ( a ), XXXX XXXX XXXX XXXX XXXX to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under XXXX XXXX. XXXX, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Ford Motor Credit to rectify any inaccuracies found. 

Ford Motor Credit 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel XXXX Bank to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, TransUnion, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX Data Breach : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report.

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My mortgage is held by XXXXXXXX XXXX. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with XXXX to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus ( XXXX and Transunion ) have been attached.
Product: Checking or savings account

1. CD originally purchased by XXXX XXXX ( father ) and XXXX XXXX ( daughter ) on XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX Indiana ( now part of JP Morgan Chase ). 
2. On XXXX XX/XX/XXXX, attempt made to redeem CD at Chase Bank XXXX, XXXX XXXX, XXXX, TN ( XXXX XXXX, Asst. VP ). We were advised that it could not be redeemed as the bank had to check their records. A pdf file of the CD was provided as well as marriage record for XXXX to verify current last name. 
3. After several exchanges with Mr. XXXX, he called ( XX/XX/XXXX ) and said to check with Indiana State Treasurer to see if CD funds had been turned over by bank to state as ( lost ) or abandoned funds. 
4. Indiana State Attorney General 's Office reported back ( XX/XX/XXXX ) to us that these funds were never turned over to State and thus were retained by the bank. 
5. In a number of exchanges with the bank branch ( including XXXX XXXX, Vice President ), XX/XX/XXXX and later, we were told that the bank continues to check and determine resolution ( that never happened ). We advised bank of call to State Attorney Generals Office and again provided copies of CD and marriage certificate. 
6. Further sporadic calls ( XX/XX/XXXX, XXXX ) were received from Chase, from people who only gave their initials or first names, ( AD, XXXX, XXXX, ... ) ; including from " Dispute Resolution ''. All said that digital records could not be found due to age of CD and redemption unlikely. 
7. Shortly thereafter, a call was received from a specialist from the executive office who said our CD would not be honored. Our position was that : We have the original of the CD, and that should be evidence of its validity.