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

according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX equifax or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, XX/XX/XXXX of listed late payment 2. XXXX XXXX XXXX XXXXXXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax on XX/XX/XXXX. I am reaching out today XXXX, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my Equifax credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against Equifax for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that Equifax is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX XXXXXX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX XX/XX/XXXX. Nothing was changed or properly updated by Equifax and still has not as of this date. Equifax report still shows the final reported XXXX codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX code that is still being reported on my Equifax credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( XXXX ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX  code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX  closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out around XX/XX/XXXX to XXXX, Transunion and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day -period beginning on the date on which the agency receives the notice of the dispute from the consumer of reseller. Please take action on my credit report, inquiries and closed accounts, chargeoffs on my credit report. 
Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX **** Account Name : XXXX Account # : XXXX
Product: Checking or savings account

I have filed several dispute regarding merchants in the past and each time this institution refuses to credit my account pending an investigation and the disputes are denied in the end. The same person investigates the complaint and request information that is impossible to obtain. The most recent dispute was regarding a local XXXX XXXX that served under cooked hamburgers. I followed the direction on the receipt and called the number on the receipt on XXXX XXXX ( XXXX ) -XXXX. I left a voicemail. I called again on XXXX XXXX and XXXX was told someone would be contacting me so I would receive a refund. When I was not called, I called back two times for a total of three. When I did not receive a refund I filed a dispute XXXX XXXX. SunTrust sent an affidavit on XXXX XXXX I signed and returned it. When I did not receive a credit I called and found the same person XXXX requesting additional information. I sent the additional information which was question did I return the food and what date did I return it. I feel it XXXX would have called the merchant investigating and read the dispute I filed it would know I did not return the food. SunTrust is a difficult bank for me to file a dispute as I do not feel it follows the rules for disputes. The rules for its disputes are not published nor provided at the time of filing a dispute. A consumer like me is left in the dark depending a perhaps biased investigator. I feel that this investigator is not and has not worked in my best interest.
Product: Credit reporting or other personal consumer reports

This company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from account # XXXX to my consumer report. Congress section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( 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.
Product: Debt collection

I was contacted by a company called " Post Lake Leading '' Or " XXXX XXXX '' I guess they are same company. They said they was gon na garnish my wages in the total of {$970.00}. But, at only 15 % of each pay period, till the balance was paid out. They have not validate this debt with me. I have not made any contacts with this company to pay anything to them. And, it's not even on my credit report at the moment. Not really sure if it will show up on my report later. But, if it does show up on my credit, I'd like it removed immediately. 

Thank you!! 

The address to Post lake leading is XXXX XXXX XXXX XXXX AZ XXXX THANK YOU!!!
Product: Debt collection

In XXXX I asked for proof of debt law office of Selip & Stylianou , LLP in XXXX XXXX XXXX XXXXXXXX XXXX Ny XXXX, they failed to provide me with that information. I also sent them a cease and desist letter and they still continue to come to the place I resign and share information with people that has no business regarding to this issue that I dont agree with.
Product: Mortgage

Nationstar has sent statements dated with variances that range between XXXX weeks so customers do not receive them in a timely manner and sometimes very close to the actual due date. Multiple times when I have called I have simply been hung-up on, this is almost half of the time I call. It happened XXXX today alone when I called to inquire about my escrow check since I refinanced - in part because this mortgage company is the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

My monthly payment is due on the XXXX every month, I spoke with a representative and they stated the only +30 day late payment they saw was XX/XX/XXXX which I agreed with. I have noticed multiple 30+ day late postings that Sheffield has reported to all three credit agencies including recently, XX/XX/XXXX which was in fact not over 30 days late. I have made an effort even with being affected by COVID-19 pandemic to pay my side-by-side financed through Sheffield Financial before being late every month. The customer service representative said I could dispute the negative late payments, which I did with XXXX  and it did not change anything. This is severely affecting my credit and ability to obtain a mortgage loan. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account was closed due to fraud and Identity theft. I have filed a police report and this account should not report on my credit report
Product: Payday loan, title loan, or personal loan

We were issued an installment loan with Goodleap for our solar panels through the company XXXX XXXX. Our first payment was due once the system installation was completed. However, XXXX XXXX went out of business before the job was completed. We called Goodleap once we found out XXXX XXXX had filed for bankruptcy and gone out of business and explained the situation. Goodleap said they had received multiple calls from XXXX XXXX clients all in the same situation but Goodleap is still bombarding night and day with calls and texts, letters and emails for payment on a loan for system that was never completed.
Product: Bank account or service

My Bank has routinely charged {$35.00} for payment of checks and electronic debits when there are insufficient funds available in my account at the time the item is posted. However, they have recently ( as of XXXX 2015 ) started to reverse the payment, crediting it back to my account, without crediting the fee, and subsequently returned the item as unpaid, for which they assess an additonal {$35.00} fee. and most recently, after this back and forth with paying, then returning the item has concluded, they have presented the same item for payment four ( 4 ) times in as many days, assessing the return check fee of {$35.00} each time. this has never occured in the history of my account, and when I asked my branch why this was happening, I was informed that, although there once was a law that limited banks to three times that they may collect NSF fees per item, today there is no limit to the number of NSF fees a bank may charge per item .... Because I did n't believe this was the result of an impatient merchant, I called the merchant who the check had been made payable to, in an effort to halt the snowballing NSF charges now topping {$210.00} for a check in the amount of {$40.00}. The merchant informed me that they do not make repeated attempts to secure payment of any item following the return of an item for non payment by the financial institution is was drawn upon. My bank refuses to acknowledge this double-dipping practice and despite the clear and irrefutable documentation that validates my concern, Im spoken to as if i lack the basic understanding of how a checking account works, and if that were n't enough, Im told, that If I just maintain a sufficent balance to cover the checks i write, this would n't be a problem in the future ... I am absolutely disgusted! This account is a joint account I share with my XXXX old mother who 's finances I manage. Her household finances are now in complete disarray as a result of her checking account balances fluctuating several hundred dollars from day to day. She feels completely helpless and it has caused her severe emotional distress. I have every intention of closing this account, and opening an account with a local bank with a better record of customer service, but not before I recover the total of these erroneous fees, now totalling over {$1000.00}. This bank has engaged in deceptive and unscrupulous practices for many years and I it needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just co-signed the financing of a vehicle from XXXXXXXX XXXX XXXX today ( XX/XX/2018 ) and have noticed that in addition to the bank and autocompany credit inquiries,  there is a third that I do not recognize : XXXX XXXX, XXXX XXXX : XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I did not approve this and do not approve this. I am worried as to where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my report I noticed Some has opened a FRAUDULENT Phone in my name
Product: Checking or savings account

Bank of America doesn't have to assign transaction numbers to debits other than those at the ATM, ostensibly.
Product: Mortgage

I HAVE COMPLAINED TO YOU ABOUT THIS LOAN SERVING COMPANY WHO RECENTLY TOOK OVER MY VA LOAN. XXXX XXXX XXXX XXXX 

THE ISSUE NOW IS XXXX XXXX XXXX HAS HELD UP MY AUDIT REQUEST ON THIS LOAN, I HAVE REQUESTED A FULL AND COMPLETE AUDIT YET TODAY I WAS TOLD XXXX WILL NOT GIVE ME AN AUDIT EVEN THOUGH IT IS THE LAW. 

XXXX TOLD ME THIS MORNING THAT COMPLAINING TO CFPB IS A WASTE OF TIME AS THEY ARE USELESS AND HAVE NO POWER OVER XXXX. 

AS THESE PROBLEMS CONTINUE TO EXIST I NOW HAVE NO DOUBT CFPB IS INDEED POWERLESS IF SO LET ME KNOW SO I CAN USE THE JUDICIAL SYSTEM
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I received an alert from Experian Credit Reporting that an inquiry was placed on my credit file. Due to the fact that I have no access to the company that placed an inquiry on my credit report, I contacted Experian Credit Reporting on XXXX at approximately XXXX. 
I spoke with an representative XXXX, and informed her that I was calling to dispute an Inquiry from a XXXX XXXX. I let her know that I have not applied for any credit since XX/XX/year>. We started to advise me to contact the company that placed the inquiry and that there wasn't anything she could do. 

I informed her that I did not have any information about XXXX - XXXX XXXX, that I do not know how they obtained my personal information, and this is why I was contacting them to assist me with disputing the Inquiry. XXXX XXXX goes on the state that the XXXX would stay on my credit report for 2 years, that I can contact the company, ask them about it and have them to contact Experian. 

I know that I have Consumer Rights under the XXXX.
Product: Student loan

My loan went into default 2 years ago. It was placed with a collection agency. I paid {$340.00} a month for 9 months-that was the agreement to get out of the loan rehabilitation program. On the 9th month they claimed I had failed to make a payment ( which is not true-because my payments were all direct payment from my checking account ) When I inquired they then said my paper work was n't complete so I failed the rehabilitation program. My loan was given to another collection agency. They called me and put me in another loan rehab program around the XXXX I recieved a letter from a completely different collection agency Navient that said I was XXXX payments late ( which is not the case because I had direct payment from my checking account ) Now it 's going on 3 years and Navient is the XXXX collection agency offering me a loan rehab program. I just want to pay off my loan and they are determined to sink me deeper while they collect fees. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request and I feel like Im being ignored. I sent letter after letter highlighting these inaccurate items caused by identity theft. The other bureaus recognized these items as inaccurate and deleted them. I sent proof of that and still not answer. FDCPA Section 807 clearly states that inaccurate items must be deleted. I have asked for verification and still as of today over 180 days later no verification. No original contract, no personal information, no who did you speak with to verify. I demand these inaccurate items be removed immediately. These are violating my right and I have no other choice to proceed to legal action. This is a direct violation of 15 us code 1692. My information was also impacted in the XXXX and XXXX data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.
Product: Money transfer, virtual currency, or money service

I was trying to CashApp my last car payment and when I went to send the payment of {$820.00} they locked my account after I tried to send the payments in smaller amounts. The app says that my account will be unlocked in 24hrs that was on the XX/XX/XXXX, now their saying that I have to wait 45 days. CashApp set me back on my last car payment and my little girl had to wait until I got my next paycheck to celebrate her birthday. CashApp has been nothing but stress, I contacted the XXXX, my states AG, and now Im asking for you help with this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital tole and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Money transfer, virtual currency, or money service

I have direct deposit set up with netspend. My payroll company sent my paycheck to them on XX/XX/XXXX and its now XX/XX/XXXX I have not received a single cent from them. I have mad over 20 calls and sent 5 emails all i get in replay is they are having an issue will be fixed soon. I looked online and they have been doing this to many customers over the last 5 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a past due amount of {$50.00} for XXXX XXXX XXXX, partial account number XXXX. I paid this account in full with a cash payment that was never credited to the balance due. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documents and nothing was resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX   XXXX**** XXXX XXXX XXXX XXXX****