23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

APPLIED WITH CARECREDIT / SYNCHRONY BANK. WAS DENIED AFTER DRIVER LICENSE WAS SCANNED AND CREDIT FILE PULLED, TOLD I COULD NOT BE IDENTIFIED. THEN I APPLIED WHILE IN XXXX  DOCTOR OFFICE FOR XXXX  XXXX, LADY IN DR OFFICE WAS TOLD OVER TELEPHONE I WAS DENIED. OFFICE CREDIT PERSON WAS OFF THE PHONE, I ASKED WHY CREDIT CARE SAID I WAS DENIED, I ASKED WAS IT MY CREDIT. SHE RESPONDED THAT IT WAS NOT MY CREDIT. CARE CREDIT SENT TWO ADVERSE ACTION NOTICE ONE STATED THEY COULD NOT IDENTIFFY ME, THIS WAS AFTER THEY PULLED MY CREDIT FILE. THE NEXT ONE STATED THAT I WAS DENIED BECAUSE I REAPPLIED TOO SOON. IT MUST BE NOTED THAT I SENT CERTIFED COMPALINT TO THE CEO OF SYCHRONY BANK DUE TO THE DENIAL AND THE PRETEXTUAL REASON FOR DENIAL IN BETWEEN THE ADVERSE ACTION NOTICES. I HAVE NOT HEARD BACK FROM THE BANK. I HAVE OPEN ACCOUUNTS WITH SYCHRONY BANK SO FOR CARECREDIT/SYNCHRONY BANK TO STATE THAT THEY CAN NOT IDENTIFY ME IS A PROBLEM AN I FEEL IT IS DUE TO MY AGE AND RACE. OVER XXXX AND XXXX XXXX.
Product: Credit card

Last month I made a payment on my Citi Card account. The payment was for the amount of {$64.00} but for some reason I only paid {$52.00}. Did n't matter though because they did n't even post that amount on my current statement indicating that it was n't paid. They also charged me a {$37.00} late fee also based on non-payment. The amount I was billed this month was $ XXXX contacted their office and was basically given the run around. They apologized for not posting the payment and said the {$37.00} would be removed. I asked what the payment would be based on the fact that they did receive the money last month and the {$37.00} was removed. They told me {$160.00} because of late fees and non-payment. I reminded the representative that that payment was made and they missed it so any late fee did not apply. I 'm fed up with this company and went through the same thing 2 months ago. What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the information was still erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct proper investigations into my disputes concerning inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours, claiming the accounts are accurate without providing evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, XXXX actions may breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the XXXX recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request the CFPB to take appropriate action to ensure Equifax complies with XXXX  XXXX and provides consumers with adequate proof of investigation. 

Below are the accounts I have identified as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

company is attempting debt that does not belong to me which is causing a tremendous decrease in my credit score. I value my credit and have put blood, sweat and tears and achieving the positive score that I have. The agency is collecting for XXXX XXXX XXXX whom i currently have auto insure with.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX I XXXX XXXX am submitting this complaint on my own behalf RE : Inaccurate late payments, charged off accounts-IMMEDIATE action required. 

I noticed that you're continuously reporting inaccurate, unverifiable information, and errors on my credit report after my initial disputes indicating that I was late on the account noted below : XXXX ACCT # XXXX explain how you can report these negative marks when I was never late? I am demanding proof showing I was late. You never proved that I was late. Therefore you must update my credit report to reflect PAID AS AGREED/OK. 

XXXXXXXX XXXX ACCT # XXXX Experian, XXXX XXXX and XXXX are reporting different payment statuses, last reported dates, dates last active, inconsistent payment history as referenced on attached credit report.This account is reporting by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. 

XXXX  XXXX XXXX ACCT # XXXX XXXX and XXXX aren't reporting this account at all, yet EXPERIAN continues to report it.This account is being reported by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. 

Furthermore I would like to remind you of four laws that indicate you can not report this type of information on my credit report.

Under 15 U.S. Code 1681b Permissible purpose of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION TO FURNISH THIS ON MY CREDIT REPORT.No consent is fraud-therefore you can not legally report these alleged charged off accounts, or late payments to my credit report Under 15 U.S. Code 1681 section 602A-state that I have a right to privacy.

Under 15 U.S. Code 1681b-Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore legally you can not report this information-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Goldman Sachs closed my Apple Card saving account without any notice. 
Theres still a balance of over {$7000.00} in my saving account. 
They keep telling me theyll transfer my money to my XXXX checking account, but its been days I havent seen anything. 
I called them and they keep transferring me to many people without any help. 
I talked to someone today and she sounded like shes drunk or on drug. 
She kept providing the wrong informations about the case and apologized for giving wrong informations.
Product: Credit reporting

I requested my free annual credit report from transunion after requesting and receiving my credit reports from the other two only to be told that I had already requested and been given my transunion report. They told me I could buy one though .... I HAVE NOT already received this report. I always get them in XXXX 's, there is no reason I ever would have gotten just one, let alone the transunion report.
Product: Credit reporting or other personal consumer reports

i am a victim oh XXXX XXXX and i have supplied and furnished the cfpb and equifax and experian with the supporting documents needed to block the information thats in result of XXXX XXXX 605c.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have filed numerous disputes with Experian, XXXX, and XXXX starting in XX/XX/2020 about information that is reflected on my credit report showing my closed account with XXXX XXXX as 90 days delinquent which is false information that has hurt my credit report dearly as result. This information was disputed because my account with XXXX XXXX was closed in XX/XX/2020 and the balance was sold to XXXX XXXX XXXX on XX/XX/2020, and yet in spite of this XXXX XXXX has been reporting late payments to date which has caused a closed account to go into delinquent status which is nonsensical. Per Fair Credit Reporting Laws, the creditor which has closed my account and no longer owns the debt can not report to my credit bureaus my account being in delinquent status. Experian, XXXX, and XXXX has not acknowledged this and has continued to allow XXXX to hurt my credit.
Product: Checking or savings account

COMPANY REPORTING INACCURATE AND UNVERIFED INFORMATION ON MY REPORT CAUSING TO NO BEING ABLE TO OPEN AND BANKING ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit report have false information. Their credit information is never updated properly nor is the information dated correctly. Trans Union has been destroying my life for over 25 years with false information, names on my credit report that I have never used, accounts on my credit report that are not current or up-to-date in status or information. Falsely stating that I am behind or missed payments. For the last several weeks trying to contact someone in their customer service office to question them about why my information is incorrect and false information on my report I have received no help. I am seeking {$1.00} million restitution for being denied credit that I should have been approved for including home. I am being denied these things because I am XXXX and because I am XXXX. I know this because Trans Union representatives who just take messages to transfer to upper management have previously stated that their company goes through social media post. My credit score listed with XXXX is a XXXX My credit report listed with XXXX is listed at XXXX. As XX/XX/2022 my Credit report with trans union states a XXXX. Transunion is not only a XXXX entity, it is also a discriminatory entity that works with XXXX XXXX it is also listed in a federal lawsuit with XXXX XXXX in discriminating against XXXX and their credit reports received when trying to get credit for housing.
Product: Checking or savings account

SoFi mailed me a debit card for a checking and savings account that I did not open. They refused to close the account because I was unable to provide the email address or phone number used to create the account ( The fraudster used their own email address and phone number ). They claimed that they were unable to assist me with closing the account because they could not find my profile unless I provided the email address or phone number that the scammer had given them OR if I gave them my full social security number. I was very hesitant to provide my full ssn and asked to speak to a manager. After talking to three separate people, I finally consented to provide my full social so that they could search the profile and " open a case '' to close my account. It should not be easier for an identity thief to open an account in my name than it is for me to close that account. I have credit freezes with all reporting agencies as well as a Security Freeze through XXXX. SoFi did not make any effort to verify my identity before opening bank accounts in my name. I told the representatives and the managers that they were in violation of XXXX and the Patriot Act and they brushed it off and said they could do nothing for me unless I gave them my full social.
Product: Credit reporting or other personal consumer reports

The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

Transunion : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of idenity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$240.00}, XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$230.00} in account with XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent collections appearing on my FICO credit report. I demand that the afromentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

I have tried to open accounts with different institutions and I have been denied. I have been told that I have to call XXXX about opening a account and when I call XXXX they say that I can open a account with any institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now I've had none stop problems with Trans-union and how they've miss managed my Info and identity. all of these issues have been on going for 18 months plus. I can't get any service Trans-union offers online because every attempt to is meant with " We're unable to complete your request online. '' and " Error retrieving credit report ''. they give you a number to call, sometimes there a chat box, call the number and they want you to use the text support option, if you're patient enough, there's eventually a person to " offer you '' " support '' the only problem is they as useless as the quotes i just used for the word support. their automated system they use to verify my identity sure can match my personal info up with 20 easy questions that covers, My name, address, phone number, SSN, DOB, and so on and so. all the info they use to get me to a live person for help and no help. I've been told multiple times over the last year and half that I have a Current Freeze on my Trans-union and that i have to remove it, because my identity can be verified from trans-union. XXXX denies me for the account everyone gets approved for. good credit, bad credit, XXXX XXXX, second chance banks, death row. everyone is qualified for XXXX. Expect me! they deny me because they cant verify my identity. I have so much incorrect info listed on my trans-union credit report and i can't dispute it. online tells there's an error, call us. I call them and they say i need to use the online portal to verify my info. can't verify my info online, so i have to call this different number. call number, its the wrong department. I literally can't get anything done with them.
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 proce 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 inconvenien
ce and 504 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, Equifax, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
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. ) Specifcally, 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 disupute 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 signifcant invoncenience and financial loss, and I see appropriate redress for these violations
Product: Mortgage

In XX/XX/2022 I was approved by Florida XXXX XXXX XXXX. They Paid Amerihome mortgage company arrears and also approved me for 18 months of future mortgage payments. After Amerihome received the first two payments they stop applying these payments to my account. Now they are saying Im in default due to non payment and XXXX mailed them a check out in XX/XX/XXXX and XX/XX/XXXX. A rep from the XXXX program reached out to this lender to provide check numbers for these payments but this lender still claims they arent received. This sounds fishy to me because they lost these checks or havent yet applied them to my account but now want to penalize me for payments and they have proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Collection is showing on my credit report with Experian : XXXX XXXX, XXXX XXXX creditor : XXXX {$370.00} Account number XXXX Collection opened XX/XX/2021 Balance updated XX/XX/2021 This does not belong to me I call and verify this is under a XXXX XXXX with a SS # ending in XXXX. When I advise them to deleted the collection agency disconnected the call. I never had XXXX
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 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: Debt collection

I am writing against your company for failing to address inaccuracies on my credit report. Despite multiple requests, you have neglected to investigate and correct the errors, which is a violation of the Fair Credit Reporting Act. This is my final request for you to comply. The account in dispute is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX XXXX XXXX and Castle Credit Co Holdings permission to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flex finance is stating I owe the XXXX for paying my rent in XXXX of 2022 when they did not pay my rent. I have been trying to talk to a person about it for almost a year and is not able to I even tried to login to the account they stated I had and has been unsuccessful. My lender has also been trying to reach them. This is effecting me financially and causing financial hardships for me and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX  account # XXXX, has violated rights. 
15 U.s.c 1681 section 602a 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. XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX
Product: Mortgage

I was granted forbearance due to COVID-19 as of XX/XX/2020. In general, my mortgage statements since then do not make any sense and I am trying to obtain explanations/clarification as I do not feel bookkeeping of the account is accurate. Below are a list of my grievances. I have tried contacting Carrington Mortgage Services several times over the last 5 business days and, each time, am automatically disconnected after a recorded message stating, " We are unable to assist at this time due to large call volumes ''. 

1 ) My XX/XX/2020 statement ( first statement of forbearance ) HAS A LATE FEE OF {$45.00} ON IT. Again, I am in forbearance. 

2 ) The XXXX and XX/XX/2020 statements have a DELINQUENCY NOTICE ATTACHED STATING, " YOU ARE LATE ON YOUR MORTGAGE PAYMENTS. FAILURE TO BRING YOUR LOAN CURRENT MAY RESULT IN FEES AND FORECLOSURE - THE LOSS OF YOUR HOME ''. Again, I am in forbearance. 

3 ) I have been submitting escrow only payments during forbearance ( as I was previously told was acceptable ), however, there have been " unapplied funds '' on both the XXXX and XX/XX/2020 mortgage statements. The most recent statement ( XXXX ) indicates that previously unapplied funds are being applied to principle, interest, and escrow. 

4 ) For some odd reason, both my XXXX and XX/XX/2020 statements show the same amount due ( despite partial payment for escrow only being made ). 

5 ) On XX/XX/2020, I submitted a " forbearance update '' online at the request of Carrington. I received an on screen message which stated that the forbearance was being extended by 90 days. I have yet to receive anything formal stating such and in my online account it still shows as forbearance ending on XX/XX/2020. 

6 ) In early XX/XX/2020, a Carrington rep told me that I would be informed of what options will be available to me at the end of my forbearance period in XXXX XXXX have still not been informed of what my options are at the end of the forbearance period. Carrington has previously told me that I may be required to pay all missed payments at once at the end of the forbearance. Several of my colleagues and friends have told me that their banks/loan servicers have already informed them of what their options will be at the end of the forbearance ( and it's not repaying all missed payments in full ). 

In summary, I do not think Carrington is being honest or accurately maintaining my loan. Quite honestly, I think there is some nefarious activity going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.