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

I XXXX XXXX make a claim to each credit reporting agency ; i.e., XXXX, Trans Union and XXXX, as a subscriber to your companies to report adequately is in serious violation. As you can see, there are two bureaus showing XX/XX/XXXX as the first reported 30-day late payment, and XXXX showing XX/XX/XXXX. Realistically the late payments started in XX/XX/XXXX, but XXXX XXXX XXXX has cut off two years of payment history to re-age the credit trade line, which is a serious concern to the Federal Trade Commission. The charge of {$3400.00} was from an overage on mileage on a vehicle lease. The timeline to file a civil action has passed, and the federal guidelines, and the 7-year rule applies as the first reported late shows over the legal time limit. As stated in the Fair Credit Reporting Act : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. [ Emphasis added. ] I desire an updated credit report showing a full reinvestigation of the account at the beginning of this credit dispute. I am well within my rights requesting this reinvestigation under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act. I anticipate a full re-investigative credit report within 30 days. 
ITEMS MAY HAVE SURPASSED LEGAL TIMELINE TO MAINTAIN ON RECORD Case in point, if a credit card payment was late 84 months ago, and since that time the credit card was paid in full, settled for less than full balance, or charged off by a federally insured bank as mandated under Federal Deposit Insurance Corporation Rule 5000,  applicability of applying a charge off standard to debt service, then the creditor must report the true payment history on the credit trade line for a minimum of 84-months. The Federal Trade Commission has levied fines and penalties against creditors for using a re-aging process totally in violation of the Fair Credit Reporting Act guidelines. 
Re-aging of debts have been used by the Internal Revenue Service by re-issuing federal tax liens with a new fining number when the 10-year rule timeline was running out. It is used by creditors as a means of stalling or delaying ones credit rating, simply by cutting off several years of previous payment histories. 
Accordingly, XXXX XXXX XXXX XXXX is in violation to their subscriber agreement with each credit bureau and must delete the referenced account credit trade line permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX about an account that was reported delinquent XXXX months prior to it existing, and despite their own report showing that exact information they did not fix it when I reported it. I submitted a dispute XX/XX/XXXX, and received a XX/XX/XXXX that did not correct my report and did not change anything. I filed a dispute directly with the company and I am still awaiting results from them. My reports verifies that my account was opened in XX/XX/XXXX, however it was reported delinquent from XX/XX/XXXX through XXXX of XXXX despite the account not even existing during that time frame.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the Experian credit agency multiple letters in both XXXX and XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. Experian has refused to comply with XXXX request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.
Product: Student loan

XXXX SOLD MOST OF MY LOANS TO A THIRD PARTY COMPANY CALLED CONSERVE, WHICH IS GARNISHING MY PAY CHECK FOR 15 % OF MY GROSS PAY. XXXX IS SAYING THAT THEY STILL HAVE 15 OUTSTANDING LOANS AGAINST ME. I 'M PAYING TWO COMPANIES FOR MY LOANS. I DO N'T FEEL THAT THIS IS FAR TO ME WHEN I 'VE TRIED SEVERAL TIME TO QUALIFY FOR THE LOAN FORGIVENESS PROGRAM WHICH XXXX HAS DENIED ME. THESE COMPANIES WOULD RATHER CONSOLIDATE MY LOANS INSTEAD OF GIVING ME THE CHANCE TO QUALIFY FOR THE FORGIVENESS PROGRAM.
Product: Debt collection

They call my cell phone every 10 min, all day long. When I originally answered the 1st call weeks ago, they were very vague on where they were calling from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.
Product: Debt collection

I contacted Eaton XXXX  Group at XXXX on XX/XX/year> to get the balance of the garnishment. Transferred to XXXX XXXX ( XXXX XXXX XXXX ) that provided me with the outstanding balance of {$1400.00}. I inquired on the payment dates as I was nearing the end of the garnsihments from the total that was filed with the courts. I was provided with the number to the Sherrif 's office XXXX XXXX XXXX that confirmed the amount that was received and sent to them should reflect {$3800.00} which is the amount that my employer reflects also. I reached out to my employer and received a print out that I am attaching and have tried to call XXXX back leaving multiple messages to try to resolve this. As my checks will continue to get garnished until they reflect the account is paid in full and send a order to stop. It's very concerning that the money was sent to the Law Firm and the money is not accurately reflecting. Another thing if any additional fees were added I am due the right to know what I am obligated to be paying for.
Product: Credit card or prepaid card

I tried to pay a bill using my prepaid card, however the money was caught out in " XXXX '' and never got paid to the company. Its still pending even now. I have called the bill company and spoken to my prepaid card company all week with no resolve from the prepaid company. I have asked them to release my funds since XXXX XXXX, which is the date of the transaction and they have refused. I cant pay my bill. I need them to resolve this issue, but they have been unwilling thus far to help me. That's my money and I can't access it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX & XXXX : Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My loan with XXXX XXXX XX/XX/XXXX was sold to Shellpoint in XXXX My XX/XX/XXXX payment would not be accepted by XXXX XXXX and it took Shellpoint 3 weeks until XX/XX/XXXX to get my account set up to even allow me to make a payment, which I then made with an extra payment on principal. I spent an hour setting up auto pay again from my bank ... .then today I receive a Notice of Sale from Shellpoint of my mortgage to another shady company, XXXX XXXX XXXX XXXX with a transfer date of XX/XX/XXXX. So Shellpoint only had the mortgage for 13 DAYS. The number they provided XXXX XXXX XXXX at 3 different places on the letter is not a working number. The loan number is XXXX. I am totally convinced that their frequent sale of my mortgage is going to result in losing my payments. Are they at liberty to sell my mortgage every month and to anyone that they want??? Now a XXXX XXXX company owns my mortgage and I have no idea where to send my XXXX payment. I have NEVER been late and feel very uneasy with the current sloppy, careless handling of my mortgage.
Product: Consumer Loan

We were in the process of obtaining a consolidation loan from another financial institution. We told XXXX XXXX [ who the installment loan is with ] about this consolidation process XXXX times. We finally got a closing date for the consolidation loan and called XXXX to obtain the installment loan 's balance. We were told we could not get the payoff over the phone [ they gave us a balance on the accounts ] that we would have to go in. We went in to get the payoffs and gave them the date we thought we needed the payoff amount to be. They printed out the payoffs. Our consolidation loan closed 2 days after the payoff amounts were good for. The day after the date the payoffs were good until, XXXX of XXXX 's [ his name is XXXX ] employees came to our home ... to " scope things out ''. My partner approached him and she told him that the consolidation 's closing date was the following day. He was condescending, telling her that we had " promised '' to pay off the installment loans on the date we asked for the payoff amounts. He also asked " what car titles '' his company held [ they were never given auto titles ]. 

Prior to his coming out to the house, they would call our phones up to XXXX times daily. 

I was also dealing with another installment loan company that was the TOTAL OPPOSITE of this XXXX. They documented each time we called concerning payoffs, the original closing date and the new closing date. No complaints for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
for Account XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
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 redresst for these violations. 
XXXX
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Inaccurate Credit Reporting und er FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnion 's failure to conduct proper investigations. Specifically, in a lawsuit filed against TransUnion, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S C 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, expect TransUnion to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If TransUnion fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance Owed : {$200.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}, XXXX XXXX XXXX XXXX Balance Owed : {$310.00}
Product: Mortgage

BEING CHARGED LATE FEES AND POSSIBLE CREDIT REPORT PROBLEM DUE TO PROBLEMS IN MORTGAGE SERVICING BY INVESTORS BANK I have a mortgage with Investors Bank that I originated 2 years ago and have been paying on-time every month. I sent in my XX/XX/XXXX payment of {$2800.00} as I always do, via online billpay at my retail bank ( i.e. a check gets cut and mailed to the payee. ) Investors cashed the check on XX/XX/XXXX. Investors apparently had changed my escrow amount at year-end and didn't inform me. They called me on XX/XX/XXXX ( they waited until 3 weeks after cashing my check ; and after the XX/XX/XXXX due date for late fees ) to call me and said that I didn't make my XXXX payment because I was {$58.00} short ( they cashed the check and are holding my {$2800.00} in " unapplied funds ''. The amount of the escrow increase that they didn't let me know about. ) I immediately made a payment for that {$58.00} amount on Friday XX/XX/XXXX on my online billpay while on the phone with the Investors rep and updated my recurring payment amount. They said they would " re-send '' my escrow statement. 
On Monday XX/XX/XXXX, I receive a written statement stating that I owe late fees of {$87.00}. When I called the customer service number at XXXX, they said that the online billpay ( i.e. a written check gets sent to them via US mail ) I sent on Friday would likely not arrive before month-end, and they will report this " nonpayment of mortgage '' onto my credit report. 
Now on Monday afternoon XX/XX/XXXX, I'm trying to find a branch of Investors Bank to run to pay {$58.00} to ensure they get the amount before month-end so that they don't hit my credit report. 

QUESTIONS 1 ) Why did they cash my check, then wait 3 WEEKS to call to let me know it was short, after the mortgage due date, to let me know that I owe {$58.00}?

2 ) Why are they charging {$87.00} for the {$58.00} amount owed ( please note that principal, interest and most of escrow were already received ; this is a shortage in the escrow amount ) 3 ) Why have they cash my check for {$2800.00} and are holding it as " unapplied funds '', rather than applying it to my principal and interest? Do I get anything back for them carrying this money interest-free while charging me {$87.00} to hold onto my money?

3 ) Why didn't they send me proper notice and an escrow statement to let me know that the monthly amount changed?

Escrow amounts change often for folks with mortgages if there is more money needed in the escrow account. The above leads me to believe that Investors is likely doing this to numerous other people who have automatic mortgage payments and escrow amounts change. 

CFPB, please help, this is not fair what they're doing.
Product: Debt collection

I started receiving calls from AFFIRM saying tha i was behind in a payment, I told them in several ocasion that I dont have a loan with them, that this acocunt does not belong to me. They continue with phone calls and then XXXX said that a account has been added to my credit report. I have disputed the account with experian in several ocasions and not being successful, becuase AFFIRM is comfiring that that account belong to me. AFFIRM told me to create an account online to see which vendor they sent the money becuase they refuse to tell me over the phone, I did and I saw a company named XXXX that supposibly I bought a XXXX XXXX from and that was the loan was for. I have asked in many ocasions to AFFIRM to show me where the product was sent or any conformation of purchase and delivery, I never received anything. I have sent and affivit of identity theafth provided by AFFIRM, copy of y Califonria ID and a fraud report that I filed, in which I explained and confirmed that this account does not belong to me. My credit score has decline because this acocunts shows over 60 days past due and I had one of my credit cards reducing my credit limit as a result of my score. I need help on removing this from my credit. thank you in advance
Product: Credit reporting or other personal consumer reports

My information was compromised into the Equifax Data Breach which cause my credit score to drop and ruin everything. This error is Illegal and Unethical. XXXX failed to investigate and will not take the responsibility of their actions. Please remove all the unauthorized accounts. I did file a FTC report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit and Equifax does not wont to do anything they dont even have address to the company for me to even call them. They cant fix anything on your credit why are they a credit bureau