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

To Whom It May Concern, I am writing to file a formal dispute regarding the inaccurate reporting of my credit history by XXXX, Equifax, and XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

Despite providing ample evidence to support my claim, all three credit bureaus continue to report differing late payment records for my XXXX XXXXXXXX XXXX credit card, which was paid off in full. 

I have meticulously maintained my credit obligations and have never missed a payment on my XXXX  XXXX XXXX credit card. Any discrepancies in payment history reported by the aforementioned credit bureaus are not only erroneous but also damaging to my creditworthiness. 

To rectify this issue, I visited my XXXX  XXXX XXXX branch and obtained confirmation from the business XXXX associate, providing concrete evidence that all payments were made on time and in full. Despite presenting this evidence, the credit bureaus have failed to correct the inaccuracies in my payment history. 

Under the FCRA Section 611, I am entitled to a fair and accurate credit report. The discrepancies in my credit history are in direct violation of this provision. Additionally, the reporting agencies are obligated to adhere to Metro 2 compliance standards, which govern the reporting of credit information. 

I respectfully request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that XXXX, Equifax, and XXXX accurately reflect my credit history in compliance with the FCRA and Metro 2 standards. Additionally, I urge for a thorough investigation into the discrepancies and prompt resolution of this issue. 

Enclosed with this letter is the evidence provided by XXXX  XXXX XXXX confirming my timely payments. I withdrew money to then pay my credit card at the same time since I was already at the bank. It really doesnt get anymore clear. I want this fixed. I kindly request that you review this documentation and take appropriate action to rectify the inaccuracies in my credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit history.
Product: Credit reporting

I called XXXX customer service and they told me they report to all XXXX credit agencies every month. They also told me to contact Experian because the problem is on their end not XXXX. I totally agree with XXXX because XXXX and XXXX are reporting properly with XXXX. It 's only Experian that is not reporting this credit card. I feel they are doing this on purpose to suppress my credit score so I pay higher interest rates. I pay all my bills on time and many credit card companies use Experian. This is why the Experian will not add my XXXX Credit Card. I have been asking them for months to add my card to my credit profile XXXX # XXXX
Product: Mortgage

My mortgage was originally held by XXXX. In XX/XX/XXXX they sold my loan to Caliber Home Loans ( CHL ). On XX/XX/XXXX I received a call from a CHL representative XXXX employee ID # XXXX stating at that time my account had a credit of {$820.00} making the amount due for XX/XX/XXXX {$660.00}, which I paid during our conversation. Since that time to present my account has not been correct. I have made my monthly payments via phone each month paying the amount the representative showed owing on my account at the time including occasional late fees. I started receiving Pre-Foreclosure Notices, the first dated XX/XX/XXXX, sometimes multiple copies of the same correspondence on the same date. At one point the representative I was speaking with told me, when I asked to speak to a supervisor, that none were available, however ; I could speak to someone in a lower position than him or " hold for thirteen hours '' to speak with someone with authority enough to correct my account. Being fearful of loosing my home, and unable to get a clear answer from CHL regarding the actual amount due, I started the Loss Mitigation process on the advice of the representative. 
After receiving the application I completed all sections, attached the documentation requested, faxed and emailed the packet to CHL on XX/XX/XXXX. This information was requested again numerous times which I both emailed and faxed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with additional documents requested sent on XX/XX/XXXX and XX/XX/XXXX. Today, XX/XX/XXXX I received notice that the Loss Mitigation was denied due to the documents requested not being provided. Although on XXXX XXXX, XXXX XXXX, employee ID # XXXX, stated CHL had everything they needed, underwriting had the packet and would have a decision within thirty ( 30 ) days. He also suggested that I phone once a week for a status update. 
It has also been brought to my attention that the last half of my XX/XX/XXXX Real Estate taxes due on XX/XX/XXXX were not paid on time and have accrued interest and penalties.
Product: Debt collection

My mother passed on XX/XX/XXXX. In XXXX I notified her creditors of her passing. As she was poor and lived in government housing, she had no estate per State of Michigan law. Starting on XX/XX/XXXX, I started receiving phone calls from different XXXX numbers. This company does not identify themselves. Instead they list the last 4 digits of a credit card. I verified the account is not mine but my deceased mothers. I told the agent on Monday, XX/XX/XXXX that this was not my debt as I dont currently owe any creditors. I asked them to remove my telephone from that account. I was told they would. They have called me everyday since except Sundays. When I call back the number that calls me, they claim my number is not on the account. I have asked them 6 times to stop calling me. They continue to do so daily. I have also confirmed they do know I am not the owner of the account. They did once call me from the US Bank phone number which is how I was able to identify them. They are harassing me into paying debts I do not know. As my mother and I have not lived together in XXXX  years, they illegally obtained my telephone number. I have never co-signed my mothers credit cards nor was I an authorized buyer.
Product: Credit card or prepaid card

With no notification, Synchrony Bank has cancelled my current card ( XXXX XXXX ) and reissued it. I have not received the new card, so I can not update payment information for other accounts ... and will have late payments as a result. Synchrony says that the notification is being mailed with the card. Which is no help because I haven't received it. And they won't remove the block. 

According to their rep, there was a data breach, but my card was not affected ... this is just a precaution. But it isn't a precaution to me, as I use this card. And have plenty of available funds for my current bills. 

It is wrong for Synchrony to arbitrarily cancel my card, with no notification, when they have no realistic expectation of a new card 's arrival. Maybe tomorrow, the rep said.
Product: Checking or savings account

Us Bank charged fees anyway they can ... sometimes days later with bogus explanations. I go days with a positive balance then all of a sudden Im charged overdraft fees for things that were fixed days prior. This bank seems to be charging their low income and struggling customers more fees as often as they can. I am being charged fees and have met people having the same issue but because its a bank no one will help or even look into it ... I know this company wont help either but at least Im speaking up so in the future when some XXXX  person gets done the way Im being done and other XXXX  people are being done and gets assistance she needs I have proof and can say I asked for help also but being XXXX in Amerikkka no one cares about what happens to me or who does me wrong.
Product: Credit reporting

There are XXXX items on my Experian Credit Report that must be removed this month in accordance with federal law. I filed Chapter XXXX bankruptcy in XXXX XXXX, and the seven year window tolled from that date. There must be no reference to any bankruptcy on my credit report after XXXX XXXX. 

Moreover, Experian acknowledges this via the link : XXXX Dear XXXX, A Chapter XXXX bankruptcy remains on your report for seven years from the date it is filed. It will be listed in the public records section of the report. 

Accounts included in Chapter XXXX bankruptcy that were current prior to the bankruptcy filing remain on your report for seven years from the bankruptcy filing date. 

Accounts that were delinquent prior to being included in the bankruptcy will be removed seven years from the original delinquency date of the accounts. 

In some cases, an account may be reaffirmed, meaning it is no longer part of the bankruptcy filing. Reaffirmed accounts will be reported just like any other open, active account. 

Thanks for asking. 
The " Ask Experian '' team
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Chase sent me an email stating that my account was 19 days past due. During that time, I was also dealing with Hurricane Helene preparations. I submitted payment to Chase on XX/XX/year> which was not honored by my bank due to their inability to contact me because of the Hurricane. I have had fraud on my external account and the bank was not sure whether or not to honor the payment. 

However, when I did receive information that the payment had an issue, I went into the system and reinitiated another payment to cover my car payment through Chase.com. Instead of initiating the payment, the system had disconnected my account from the payments and did microdeposits instead stating that they would be verified within 2 to 3 days. The microdeposits were initiated on XX/XX/XXXX. I still had three days left before the end of the month to verify the deposits and get my car payment in before the month was over. 

According to Chase 's email which is attached to this complaint, on XX/XX/XXXX my account was 19 days past due. Even with the payment issues, Chase received payment on XX/XX/year>, which would've had my account at 29 days past due. 
However, Chase reported my account over thirty days past due despite its system glitches, the fact that I was supposed to be in a Disaster relief deferment and the fact that it didn't honor the communication or miscommunication about how many days past due I actually was. 

I have had this account with Chase for 4 years and I have never been over 30 days late in the history of the account. I am requesting that this account be brought current based on the fact that there were system issues. 

Lastly, I was also supposed to be covered for Disaster relief assistance which obviously I was not. Chase deferred my payments for XXXX and XXXX instead of XXXX as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint and alert the authorities that the 3 credit bureaus, XXXX, XXXX AND XXXX are not operating according to the law and have victimized me numerous times from XX/XX/XXXX to today, XX/XX/XXXX by failing to conduct an investigation on my behalf after I placed a complaint XX/XX/XXXX and XX/XX/XXXX. 

They have not been handling my disputes in compliance with the laws of VICTIMS OF ID THEFT. They did not investigate my claim and stop reporting the information even though I submitted all the proper documents. They did not give me investigation results. 

Since you are the authorities I pray you investigate their handling of my case and remedy or correct as you see is fair according to the law. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming I owed {$990.00} to XXXX XXXX a debt collector. I knew that was wrong and it triggered a lot of investigation on my end. 

I do not have any payday loans, credit cards, auto loans or mortgages so I KNEW there was a HUGE mistake. I only have 2 XXXX Loans from when I got my XXXX XXXX. 

Also, in XXXX I was the victim of CRIMINAL IDENTITY THEFT in California and so I am aware criminals have my information. 

I ordered a copy of my credit report and cried for hours after I saw my credit report was completely demolished. 

There was debt that DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY - 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX and other debt buyers. 

I filed a police report. I filed a report with FTC and obtained AN IDENTITY THEFT REPORT that I could send to each company. 

ON XX/XX/XXXX : I sent a letter, a sworn affidavit, FTC identity report, police report filed with XXXX XXXX XXXX Police Department, copy of my social security card and drivers license to XXXX. XXXX XXXX. XXXX XXXX. XXXX and the Creditors 4. BARCLAYS BANK OF DELAWARE XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Nothing changed. XXXX, XXXX, and XXXX said that the information was verified as accurate so it would remain on my Credit File but a notation would be added to state that CONSUMER DISPUTES INFORMATION. 

In XX/XX/XXXX when I requested an investigation AGAIN, my Credit Score went down XXXX points because Barclays Bank and XXXX XXXX XXXX added a negative comment to my file. 

No investigation was ever completed by XXXX XXXX OR XXXX AND NO INVESTIGATION WAS EVER COMPLETED BY BARCLAYS OR XXXX XXXX XXXX 

It is XXXX, XXXX and I am still waiting for the information I requested from the Creditors regarding the fraudulent accounts and how they were opened, what information was provided, and any identifying information that may help me achieve a conviction against the person who committed this crime against me.

The information was not blocked by the 3 credit bureaus even though I provided a police report, an FTC ID THEFT REPORT AND A STATEMENT OF THE FACTS. I was just left in the dark and totally dismissed. 

To this day, those derogatory accounts are STILL ON MY CREDIT REPORTs!
Product: Credit reporting

TRANSUNION REFUSESE TO REMOVE STUDENT LOANS, NAVIENT # XXXX. XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX. FROM THE ADVERSE ACCOUNTS SECTION AND PLACING THEM IN SATISFACTORY ACCOUNTS AS REQUESTED IN MY DISPUTE. THESE ACCOUNTS ARE OVER SEVEN YEARS OLD. TRANSUNION INDICATES ON THE REPORT THAT ADVERSE INFORMATION TYPICALLY STAYS ON THE REPORT FOR SEVEN YEARS. TRANSUNION HAS ALSO REFUSED TO REMOVE A XXXX XXXX ACCOUNT # XXXX AND A XXXX ACCOUNT # XXXX. THEY WERE INCLUDED IN A CHAPTER XXXX BANKRUPTCEY DISCHARGGE. OTHER ACCOUNTS THAT WERE INCLUDED IN THE CHAPTER XXXX WERE REMOVED.
Product: Mortgage

Planet Home Lending as you can see from the text message .When i found out the XXXX XXXX RESIDENTIAL CONFORMING LOAN was a refi THE PROPERTY WAS FREE AND CLEAR I TRIED TO GET HELP WHY Planet was saying it was commercial the appraisel show its small income residential conforming .My insurance since 1996 has it that way The appraisel shows it as residential and with the zoning of the proper use all conforming seperate meters lot size NOTHING SAYING IT WAS COMMERCIAL. I was furious when i called over and over no one could give me a answer. I can supeonia the peoples names that told me some information about how they add things to a file.Mary put a man on the phone HE WAS FROM TEXAS HE SAID HE YELLED AT ME SAYING IT WAS COMMERCIAL AND THATS THAT.I remember him saying he had a paper i signed I NEVER SIGNED ANYTHING EVER THAT WOULD JEOPARDIZE THE PROPERTY TO BE USED AGAINST WHAT IT WAS ZONED FOR OR WHAT THE INSURANCE INSURED IT FOR IF IT BURNT DOWN I COULD NOT REBUILD IT PLANET not only as my documents prove it sends letters saying you are in default when you are not please read the documents every attempt is made to defraud the consumer ... ... ... ... ...... ..intimidate mislead WITH MALICE AND FORTHOUGHT THEY BELEIVE THEY ARE ABOVE THE LAW I HAVE PROOF IN A FILE THAT IAM SENDING NEXT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX issues, sending to wrong XXXX or person no longer has that XXXX  account and cant get the money back
Product: Credit reporting or other personal consumer reports

Card not mine ( XXXX ). Been trying to get off my credit report for a year now. ID Theft The account XXXX not mine, ID Theft
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 measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected to scammers who tried sending me money to hack me and I reported the fraudulent activity and they did nothing about it. 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: Money transfer, virtual currency, or money service

Writing to formally express my concern regarding Zelles handling of disputes particular light of the recent cfpb lawsuit highlighting significant issues with the platform. Dispute using Zelle multiple times and reporting discrepancies, Zelle and my financial institution failed investigate my claims adequately. They explained recovering lost funds was impossible and tracking these transactions wasnt feasible. The cfpb finds shows Zelle neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulanerble to scams. The lack of accountability and transparency is unacceptable and raises serious concern about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have been unable to obtain my free Experian credit report through XXXX for over a year. I have had to purchase a XXXX membership through Experian to obtain my Experian credit report. According to Federal Law, I should be able to obtain a free credit report weekly. I am able to obtain a free weekly credit report from XXXX and XXXX through XXXX ; however, due to an " error '' in the Experian website, I am not able to obtain my Experian Credit Report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three Credit agencies ( XXXX, Equifax, XXXX ), they are reporting a late payment on my credit card account and auto loan account. XXXX  XXXX credit card company reported me late in XXXX of 2020 during the pandemic and I made arraignments with them to make sure I wasn't late that month but they are claiming they don't have enough information to know what really happened. I asked all three Credit Agencies ( XXXX, Equifax, XXXX  ), to remove this and haven't gotten a response. Also, with XXXX XXXX they reported me late during the pandemic in XXXX of 2020 and I asked for that to be removed as well and I haven't heard anything back from the credit agencies.
Product: Credit card or prepaid card

I am a venture credit card holder and referred XXXX XXXX XXXX last XXXX XXXX for the card who was approved per my referral link and met sign up bonus timely, and I did not recieve my XXXX referral bonus as promised after waiting repeatedly per capital one customer service, very frustrating and misleading. Please credit my account XXXX the XXXX venture miles as soon as possible as promised.