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

Equifax NEVER allows me to access my request of my credit report. The other two companies allow it but they do not. This has happened for years. 

Why can not I not get my credit report either through their site or XXXX? They make it needlessly difficult and do not care to assist. 

In another case, after trying to unfreeze my credit, they would not assist me over the telephone in unfreezing it. They REFUSED to help me and said it would have to be done by mail. Even when I did everything they asked my mail, they would not unfreeze my credit. 

They do not deserve to be in business as they do not serve the American public ; rather, they wish to be served.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hope this message finds you well. I'm currently facing a significant issue with your credit reporting agency. There is a XXXX XXXX account on my Experian report that has been listed incorrectly as " charged off '' for years, while the same account is being reported correctly on my XXXX report as " paid as agreed '' ( I have attached a screenshot of my XXXX report for reference ). 

I've made numerous attempts ( over 10 disputes ) to dispute this account with both your agency and XXXX XXXX, but no action has been taken. This discrepancy is preventing me from securing housing, despite having a job with a six-figure income. I am currently homeless due to this account 's presence on my XXXX report. 

Could you please consider adjusting this XXXX XXXX account to the proper status of paid or remove it from my Experian report? As you can see in the attached screenshot, the account has been paid as agreed. Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I had paid this account off back in XXXXXXXX XXXX XXXX the amount owed was over XXXX. Later that year in XXXX they had contacted me saying they owed use over XXXX. I had called the company numerous times to make sure this was legitimate. Being told yes they deposited the money. Then come XX/XX/year> they claim that we owe them over XXXX XXXX. I have reported this to be fraudulent as it is and every time I had called to get it taken care of and they say its their fault but still our responsibility to pay this back. Now Im getting harassed by being called everyday 3 plus times in a row and called on weekends and before XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB complaints do I have to send to the Credit reporting Agencies for them to finally pay heed to my requests and disputes? For the past 6 months, I have been disputing for the correction of my Credit file by requesting the immediate removal of the disputed accounts and information from my Credit File. I have read that the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft completely from my Credit File. However, this is not the case for my personal disputes. The Credit reporting Agencies have not fully removed all the disputed accounts and information from my Credit File and yet they have claimed that the disputed items are verified and accurate. I have been requesting that if the Credit Bureaus claim that the disputed accounts and information are verified, they should have sent me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting act. I am now submitting this CFPB complaint to inform the Credit Bureaus that I am planning to initiate legal actions. Once again, I am needing the Credit Bureaus to remove the following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Product: Student loan

I had defaulted on my student loans in XXXX. I entered into a rehab program with Pioneer Credit Recovery. I have been making monthly payments faithfully. The agreement I signed with Pioneer promised that my federal tax refund would not be offset if I entered into a payment plan with Pioneer. They lied. In XXXX of XXXX, the IRS took my federal tax refund of about {$1600.00}. I contacted Pioneer and they told me the Dept of Education should not have taken my tax refund because I had entered into a payment plan and have been making payments. I tried calling the Dept of Education but they keep disconnecting my calls. I have sent both Pioneer and the Department of Education 2 Certified Letters requesting a refund and a hearing to dispute this offset. I have received no response.
Product: Debt collection

Ally Bank Collections called a distant relative that is elderly and left a very long detailed voice message with detailed information that I did not authorize being divulged. This was done as a phishing expedition and caused XXXX on the elderly individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020, I applied for an extension on my mortagage loan with shell pointe website, I checked my credit a week ago and I find that shell pointe had sent negative information to credit bureau I contact the bank expecting an explanation like it was a mistake but instead they did nothing. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent more then three certified letters to the CRA 'S asking them to correct my credit profile and to remove my personal financial information from my credit profile they still have not did anything to fix this matter.
Product: Debt collection

I have made payment arrangements with this XXXX  company over a week ago and every single day at exactly XXXX they start harassing me with phone calls from two different phone numbers. Theyve called me up to 6 times in the same XXXX hour and I keep having to XXXX repeat myself when they already have the information in front of themselves. But for some XXXX  reason they cant figure out that I already have payments with them before calling me!!!! They are waking me up!! Ive constantly had to tell them to stop calling me because they already have this information in front of them so why are they harassing me about the same thing when its already been dealt with. 


They have called me up to XXXX in a single hour when Ive already spoken to someone for that day! I have spoken to someone EVERY SINGLE DAY about THE SAME THING when the information was already IN THEIR FACE. And then they act stupid and start stuttering when I tell them to read their own freaking notes. 



This is being done by Capitol One Auto Fianance.
Product: Credit card

Account charged with interest. Have not used this credit card. and account closed. 

Have notified them this FRAUD Now turning me over to collections. If I do not pay {$41.00} dollars Do Not know what the charge is for. Have made numerous phone calls and No one knows what the amount is for. plus interest
Product: Credit reporting, credit repair services, or other personal consumer reports

It's now been over 120 days Experian has not resolved this issue. 

First Issue : Experian Lists a XXXX XXXX XXXX Account inaccurately and I would like it removed because the way they continue to list it derogatory, to further decrease my score, after months of requesting updates and sending supporting documentation. Ive enclosed supporting documentation. Please NOTE : how Experian reports this account VS the other credit bureaus. The credit bureaus also have the payment history listed inaccurate as well. This account must be deleted! 

Second Issue : Experian reinserted an account on my report, without my knowledge and it's my understanding that violates Federal Law. 

Third Issue : Experian is the only Credit Bureau that's reporting a XXXX   account that I have NO obligation to. I've been in contact with XXXX and they continue to harass me for a bill that's not listed as mine and they deny my request to provide more information regarding this account. I have no obligation to XXXX  or the original creditor.
Product: Credit reporting or other personal consumer reports

I am distressed that CREDIT BUREAUS has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$25000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In my business checking account, the bank withdrew {$7900.00} overnight unknown to me leaving me a negative {$770.00}. In addition there is absolutely ZERO record of any pending transaction or otherwise of {$7900.00} on the transactions page. In addition, the - {$7900.00} happens to be listed on the line where it says deposits on hold for processing! Does that make sense deposit of a NEGATIVE number? There is no evidence whatsoever that I did anything with {$7900.00}, just a withdrawal from the bank with no explanation. I went to bed just fine and I woke up to a mess because, for no reason, withdrew {$7900.00} from my business checking account. I dealt with about 10 different people and departments over a 6 hour span and kept getting passed around and known of them had any answers. The Date is  XX/XX/2019. 

How can your complaint be satisfactorily addressed? 
All I want is my {$7900.00} back as it is my money and not the banks. So, {$7900.00} back in my checking account is a successful resolution
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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, credit repair services, or other personal consumer reports

Santander states that the reported date of first delinquency is XX/XX/XXXX. The statute of limitations is determined by adding 7 years to the date of first delinquency and that it will remain on my credit report until XXXX XXXX. BUT Santander failed to update and report my payment history from XXXX XXXX XX/XX/XXXX its left blank, but Santander XXXX an on time payment at the end of the year in XX/XX/XXXX. Why is that? I can tell you why because by reporting that payment history from XX/XX/XXXX that will be pass the statue of limitations. This account is Outside of the statute of limitations on collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification that a late payment was reported to my credit report. XXXX took a hit more than XXXX and Equifax XXXX. I contacted the lender XXXX XXXX XXXX XX/XX/XXXX and the representative said I dont show no late payments on their end and that they didnt report a late payment to which I stated thats credit reports show XXXX XXXX as the reporting lender. The representative sent me a copy of my payment history stating I was never late more than XXXX  days. My car was declared total by insurance. 
XXXX financial received payment : XX/XX/XXXX XXXX payment due XX/XX/XXXX XXXX warranty refund XX/XX/XXXX XXXX XXXX insurance pay XX/XX/XXXX XXXX XXXX insurance XX/XX/XXXX XXXX my payment
Product: Mortgage

I began a loan modification 5 years ago with XXXX XXXX when I lost a portion of my job after the housing debacle created an economic downturn. I have applied numerous times with XXXX and although I qualified, they rejected my application time after time for erroneous reasons which threw me back into the system. They were finally unable to give me any more excuses so sold me to a new servicer with the same investor ( XXXX ) who then sold me to XXXX with BSI Financial as the servicer. I applied with them and they denied my application stating my arrearages was too much and do not have sufficient income. I do have sufficient income and the banks not taking my payment any longer threw my loan into arrears. I feel that this whole thing has been a scam and had I known in the beginning it was going to be like this I would have never done it. I worked hard for my house and do not want to lose it and I have done everything I have been asked and qualify, but they want my house and are not willing to work with me. These banks are crooks and were all bailed out and were suppose to extend the benefit on to the people, they have done nothing of the sort. I can see why people throw the towel in because they make it so difficult. My interest rate is 6.75 % and they could very well reduce my rate and make it easier. I am asking for help. They are saying even after I appeal this time that there will be no more appeal so time is of the essence. Please help. 
My name is XXXX XXXX I am at XXXX XXXX XXXX in XXXX, XXXX XXXX. My phone number is XXXX. My email address is XXXXXXXXXXXX. My loan number with BSI Financial is XXXX. My contact is XXXX XXXX XXXX - XXXX. The current letter I received is from Loss Mitigation dept. That address and number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - Fax # XXXX. They said I have to have the appeal in by XXXX/XXXX/15. 
Thank youXXXX XXXX
Product: Debt collection

They told me I own money, but I dont own anyone money and I have great credit score. 
The person who called has very strong accent, and he was rude and bossy, which sound more like all scam calls. 
I blocked their number. After that, they hide their number and keep calling 3 to 4 times a day.
Product: Debt collection

My mother in law passed away in XX/XX/XXXX. Her only income was Social Security for many years prior to her death.

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing.

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the SSA. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect.

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day PRA, LLC works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, PRA, LLC '' Really??? Life certainly happens but so does DEATH.

- I told them 2x she died in XX/XX/XXXX. 
- I requested they remove my address from their system. She never lived with us.

- I told them there was no estate.

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX sent me emails in XX/XX/XXXX stating that I was past due when I was not. They called me at the following time regarding a collection and they sent emails saying I was late too. I had already made my payment on time. They took 10+ days to post the payment. That is not my issue. They clearly violated my rights with calls before XXXX local time ( CST ). 
They called from XXXX to XXXX XXXX follows : XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX, XXXX, and XXXX CST XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX CST XX/XX/XXXX called at XXXX CST JXX/XX/XXXX called at XXXX CST ( date shows yesterday ) Then in XX/XX/XXXX- I made my payment on time but they sent me email and called when my payment was made on time XXXX for FDCPA violations In XX/XX/XXXX, I asked for their help in resetting my password, and they refused to send me a new password. I can't validate my account # because I can't get into the online system. If you look at the email thread, they had the information they needed to assist me, however, they chose to play games with me. 
Attempt to reset password attachment I sent them a demand letter as I was tired of being treated this way. They acknowledged the letter sent XX/XX/XXXX and did nothing. I sent same letter via USPS and chose to ignore it as well ( tracking # XXXX delivered XX/XX/XXXX ). 
Ack of letter attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Equifax a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXXthat is reporting accurately from XX/XX/2020 I filed a previous complaint against XX/XX/XXXX complaint number XXXX please update that case with the information provided by XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$750.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX was paid a year ago to another agency for XXXX XXXX. Amount : {$100.00} Collection agency is : Trident Asset Management.
Product: Payday loan, title loan, or personal loan

I applied for a 36 month installment loan from XXXX XXXX on XX/XX/XXXX. After submitting the data requested I was approved for a loan up to {$12000.00}. I requested {$7000.00} and supplied the documents requested for proof of income. Two days later I received an email stating I should call because they had a few more questions. I made the call, spoke to them over the phone and was informed that everything was good and the loan was approved. I completed the final paperwork including the Truth in Lending Statement agreeing to pay them {$230.00} per month for 36 months with a APR of 12.99 %. They said I would get an email confirmation in 24-48 hours and the money would be deposited in 2-4 business days. That didnt happen so I called back and they said I had been misinformed by their representative and they would need more information. I asked them why was that necessary when I already signed a promissory agreement to pay the amount borrowed and that as I understood it being a mutually verified contract. They refused to honor the agreement when I called on XX/XX/XXXX at XXXX  EST. I want them to honor the contract I signed with them. If there was a mistake it was on their end and does not forgo their legal obligation to abide by the contract presented by them.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in 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. 


XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. Account Name : XXXX XXXX Account # : XXXX XXXX. Account Name : XXXX XXXX  Account # : XXXX XXXX. Account Name : XXXX XXXX  Account # : XXXX XXXX. Account Name : XXXX XXXX Account # : XXXX XXXX. Account Name : XXXX  XXXX Account # : XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity XXXX  documentation