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

Experians reporting practice adversely affects my credit score by Experian not timely reporting updates of my credit card payments and through what appears to be Experian floating the reporting dates for updating such records. Its reporting practice unnecessarily further extends Experians reporting of high credit balances on my credit cards. The attached files show evidence of my complaint. Although I have been paying my credit cards faithfully, ( with one noted delinquency that I am disputing ), Experian has not been updating my payments in a timely fashion, consistent with its stated reporting cycle. For example, on XX/XX/2019 I paid my XXXX credit card in full, yet Experian has not updated this information. Experian, as a matter of fact, has failed to report updated payment information for several of my credit cards, which should have ( or would have ) been posted to my Experian credit report if it were not for Experians recent floating of my reporting cycle. Experian has floated my reporting cycle such that payments I made to my creditors that would have been reported by now ( or shortly thereafter ) will not be reported until nearly a month from now. On or about XX/XX/XXXX, Experians website reported there were 21 days until the close of my reporting cycle. HOWEVER, Saturday, XX/XX/2019, their website stated there was 29 days until the close of my reporting cycle. Experian apparently changed their reporting cycle ( or is reporting incorrect reporting cycle information ) on their website, both of which are egregious. Case in point, Experian reports that I still owe money on my XXXX charge when that card was paid off XX/XX/XXXX. Surely, payment to my XXXX charge card should have been updated in Experians system before the start of their new reporting cycle, which apparently began Friday, XX/XX/XXXX, assuming the reporting cycle is 30 days. ADDITIONALLY, Experian has shed false light on my creditworthiness such that my credit score went down from over 700 to below 630 in a matter of a few months. This is despite the fact that Experian reports my payment history as being consistently VERY GOOD. Experian also has reported to prospective creditors that my credit balances are too high. At the time of these reports, Experians records show my overall credit usage of 17 % to 20 %, the color indicator Experian assigned was Yellow ( I believe this means good ). I believe Experians delayed reporting of my updated payments to my creditors is the reason their reports erroneously show my credit balances as being too high. This false light has caused creditors to deny me credit, and in particular, a car loan. FURTHERMORE, Experian reported a purported delinquency of {$20.00} on one of my credit cards. I am currently disputing this {$20.00} delinquency report with Experian, as the credit card associated with this negative reporting was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information. XXXX XXXX XXXX   XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of last payment is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX. No contract with this company. Refused to provide documentation this is a valid debt. Delete this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX  account # has violated my rights. 

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 instruction. 
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 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

I have an address that is showing that is not my address ... nor have I ever lived at this address .... of XXXX XXXX XXXX XXXX XXXX nc XXXX. although this is what is showing on my credit report ... .. my real address that I have been at since XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ... .. please update this asap. 

XXXX XXXX dob. XX/XX/XXXX. XXXX social having difficulty getting this information to you to be updated.
Product: Money transfer, virtual currency, or money service

I am filling 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 regulations XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed XXXX CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00}.
Product: Money transfer, virtual currency, or money service

So back on XXXX the XXXX on a Sunday I went to a salon shop to get my hair done I had swiped my card there 5 minutes after I left I got some unknown transactions that I went to a gas station ( XXXX ) and it had took all of my money out my card I immediately called my bank ( chime ) I let them know that I got scam someone took my money they even blocked all transactions for me and gave me a replacement card I even called the police and report it and I got the police report so days goes by my bank had refunded me half of my money but not all of my money I ask why I cant have all of my money back they said they needed proof so I sent them the police report that I made that day and I sent them screenshots and proof I was at the salon that day and they still wont refund me my money back and each and everyday I keep calling and asking for my money back because they took a lot of money out of my card and I work hard for it I just wanted my money back I cant loose my money not like this please help
Product: Vehicle loan or lease

I hope this message finds you well. I am writing to seek your assistance in resolving an ongoing issue regarding the issuance of the title for my XXXX XXXX, which was paid off on XX/XX/XXXX. Unfortunately, my car was involved in an accident and deemed totaled on XX/XX/XXXX. In order to process the insurance claim, my insurance company requires the title for the vehicle. 

I have been in contact with Hyundai ( Kia ) Finance on numerous occasions to request the title transfer, and I regret to inform you that despite my persistent efforts, I have not received the necessary documentation. I have made calls to Hyundai ( Kia ) Finance on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each of these interactions, I have been assured that my title was mailed to me ; however, to date, I have not received it. 

Furthermore, I have encountered discrepancies in the information provided by XXXX ( XXXX ) XXXX regarding the date of mailing and the estimated time for receipt. For instance, during my call on XX/XX/XXXX, I was informed that the title was expedited and sent on XX/XX/XXXX, with an expected delivery time of 10 business days. However, when I called on XX/XX/XXXX, I was told that the title was actually mailed on XX/XX/XXXX and that it could take an additional XXXX weeks to arrive. 

This situation has left me without a vehicle since the beginning of this year, as my insurance company is unable to process the claim without the title. I am facing significant inconvenience and financial strain due to the extended delay in receiving the title and the subsequent inability to settle the insurance claim. 

I kindly request your intervention in expediting the process of issuing the title for my XXXX XXXX. Your assistance in resolving this matter promptly would greatly alleviate the difficulties I have been facing. I understand that administrative processes can sometimes encounter unforeseen challenges, but given the prolonged nature of this issue, I am hopeful that your intervention can help expedite the resolution. 

I am more than willing to provide any necessary documentation or information to facilitate the resolution of this matter. Please feel free to reach out to me at XXXX or via email at XXXX. 

Thank you very much for your attention to this matter. I eagerly await your response and hope for a swift resolution. 

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

I was unable to request my free annual Equifax credit report online, I kept getting an error message. I mailed a paper request form on XX/XX/2019 but have still not received my credit report. When I try to call Equifax to find out what the status is, I can never get through on the phone, I am on eternal hold. It shouldn't be this hard to get a credit report, I have no problems with XXXX or XXXX, just Equifax.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Debt collection

This company XXXX XXXX XXXX XXXX ) is attempting to collect a debt originally credited by XXXX. I notified the company that I already paid off the debt and requested the account be removed via the XXXX app. However, despite the payment reciept XXXX validated the debt based on information provided by the company. 

Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XX/XX/XXXX to XX/XX/XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XX/XX/XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the XXXX XXXX Representative sometime in XXXX/XXXX   timeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering. 

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues
Product: Mortgage

Just received BofAs response of XX/XX/XXXX to my CFPB complaint which is filled with half truths. At the beginning if the pandemic in XX/XX/XXXX I was told I could defer my mortgage payments and they would be tacked on to the end of mortgage loan. Not true. I was supposed to pay in a lump sum which I did to avoid confusion and BofA twisting of the facts. 

There was an error on my billpay ON ONE MORTGAGE PAYMENT in XX/XX/XXXX which I took care of immediately. They claim I was in default for two weeks. LIES. It was a bank error ONE MONTH and it was immediately corrected.

Bank of America may be trying to appear woke but its a predatory agency. And they LIE. This correspondence is testimony. 

So what that XXXX XXXX  XXXX XXXX  reduced my loan balance back in XXXX. Despite my industry professional experience, I was a XXXX returning grad student in film XXXX to teach at the university setting and was making a portfolio film at that time with great sacrifice. I have awarded films six! Plus my prior awarded TV credits dating back years. Im a member of the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX ( XXXX  ). 

All I wanted was a refi. Ive lived here for forty years and have a XXXX  score of XXXX. 

The bank discriminates and lies!!!
Product: Student loan

I began the process to refinance my students loans through XXXX ( XXXX XXXX ) on XX/XX/2020. The refinance was approved on XX/XX/2020. At no time during this process was it communicated that the servicer for the loan would be American Education Services ( AES ), nor was it communicated that the loan would be transferred to AES as soon as the funds were disbursed. However, on the date that XXXX ( XXXX XXXX ) states they disbursed funds they transferred my loan to AES. 

XXXX  has refused to provide any type of tracking to show that the funds were actually disbursed. As of XX/XX/2020, my previous lender has not received the funds for payoff and XXXX  ( XXXX XXXX ) has confirmed that the checks they wrote have not been cashed. 

During the refinancing process, initially the documentation provided on XX/XX/2020 stated that my first payment on the new loan would be XX/XX/2020. Later in the day on XX/XX/2020 I received a notification of approval with the following statement : " We have created a Final Disclosure which sets forth the final terms of your loan and saved it to your account ''. I also received the Final Disclosure which had updated my first payment on the new loan would now be  XX/XX/2020. 

On XX/XX/2020, I received a notification from AES that I had a payment due to them on XX/XX/2020. I never received anything to show that AES would be my loan servicer, nor did I receive anything that the time until my first payment due would be reduced by two months from the Approval Disclosure or by one month from the Final Disclosure. 

At this point in time, I have two loan service companies stating that I have a payment due. I have tried contacting both XXXX  and AES and both are pointing fingers at the other and neither are able/willing to provide any documentation to explain why the Final Disclosure first payment date is not being honored.
Product: Student loan

1. Correspondence was sent on XX/XX/2021 by consumer and NELNET had 7 days to respond in which there where no response. 
2.NELNET received proper endorsement on statement UCC 3-204 and XXXX has not credit the account nor updated credit report, to bring the balance to XXXX  See Attachments
Product: Debt collection

Original Creditor : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ms XXXX
Product: Payday loan, title loan, personal loan, or advance loan

UNDER 15 U.S. CODE 1681 qa1oaE ( B ) AND 15 U.S. CODE 1681i ( 5 ) this account is in violation not reporting 100 % accurate. In accordance with the fair credit reporting act, The list of accounts has violated my federally protected consumer rights to privacy and confedentiality under the 15 USC 1681. These accounts have voilated my rights. Pursuant to 15 USC 1681 section 602 a states I have the right to privacy. Pursuant to 15 USC1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts with out my written instructions. I am requesting the original copy of the agreement & terms & condition. Failure to comply will forefit your claims and will require you to delete the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I LOOK FORWARD TO YOUR RESOONSE i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. please delete the items as soon as possible. 
ADDITIONALLY these are all the fraud on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX inquiry XXXX  XXXX XXXX  Inquiry XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX Inquiry XXXX XXXX inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX  Inquiry XXXX XXXX  Inquiry XXXX  XXXX Inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon review of my report, I have identified incorrect names, addresses, and/or previous places of employment that do not belong to me or are outdated. These errors are as follows : Incorrect/Outdated Addresses : [ 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 Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information included in consumer credit reports. The inclusion of these inaccuracies violates this requirement and misrepresents my personal information, potentially leading to improper evaluations by creditors and others relying on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount of {$1400.00} marked late XXXX XXXXXXXX has refused to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I requested my consumer reports to verify any errors or incorrect information over 30 days ago and still havent received the report
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and I noticed fraudulent accounts. These account are holding me back from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.