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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I took out a student loan to attend XXXX in XX/XX/2011, after deciding to withdraw from the program I cancelled the loan before it was disbursed, which in turn made me liable to the school for a bill/ loan I do n't feel obligated to pay since the school used misleading information to boost enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never given written instructions to add anything on my credit report
Product: Credit card or prepaid card

On XX/XX/2021 I walked into XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I spoke with their salesman XXXX XXXX and told him I was looking for some custom wheels for my car. After sharing some photos with him we came to a decision on which wheels and rims would be appropriate as well as how long it would take to receive the wheels and tires, get them painted by his contractor. and mounted on my car ; he guaranteed me this process would take no longer than 10 days, I paid my deposit of {$3300.00}. From that point on i passed 20 days, then 30 days and Mr XXXX would either not return my call or tell me that their painter had made mistakes with the paint and that they were going to fix them. Every time I spoke to Mr XXXX he told me it would be another 4-5 days. At 40 days i told Mr XXXX that I no longer wanted the wheels because it had taken quadruple the time he promised, He refused and said that because they were being custom painted they would not refund me. I told him I would wait 5 more days and then I was going to file a dispute with American Express with whom I had placed the deposit. We surpassed the 5 days and the wheels were still not ready so I called American Express and asked them to file my first dispute ever. American Express told me that this would not be an issue since I had not received the merchandise and it had been far too long. I was given a temporary credit. Approximately 10 days later I called American Express to see if they had found in my favor permanently and I was told that they had. I have since purchased the wheels from a different company and they completed the transaction under the 14 days that they were promised in.

Four days ago I received a text message from Mr XXXX telling me that American Express had found in XXXX XXXX favor and if I didnt pick up the rims then I would forfeit the deposit! I was furious and called American Express expecting that this was some type of trick. American Express would not acknowledge that they had already found in my favor so I asked how this was possible ; I asked to see what paperwork had been submitted or why no paperwork was ever requested from me to refute whatever bogus claims the merchant had made to allow for a finding for the merchant. This is wrong. the merchant did not provide the merchandise in the time promised. 

I would like my {$3300.00} returned to my account immediately and permanently. This merchant did not provide my completed merchandise in the timeframe they agreed to.
Product: Credit card

I recently attempted to cancel warranties for several watches purchased at my local Zales store back on or around XXXX of 2014, there are XXXX warranties in total. The watches were sold and no longer in my possession, prorated refunds should be issued. However, Zales reps refuse and state refunds are issued only when item is returned. The items could not be returned as they were purchased a year ago, they were sold and are no longer in my possession. I spoke with a XXXX at their corporate office today, he refused to issue refund and offered a XXXX dollar gift card in exchange, this does not begin to cover what was paid for warranties and was refused.
Product: Mortgage

I HAD AN ACCOUNT WITH NEWREZ- SHELLPOINT MORTGAGE SINCE XXXX. THIS YEAR THEY APPROACHED ME WITH A PROPOSAL TO REFINANCE SINCE THE INTEREST RATESARE LOW. I AGREED AND WENT THROUGH THE PROCESS OF REFINANCING. I COMPLIED WITH EVERYTHING THAT THEY DEMANDED AND PAID FOR THE MONTH OF XXXXMY NEXT PAYMENT WILL START IN XX/XX/XXXX. THE CLOSING WENT THROUGH ON THE XXXX OF XX/XX/XXXX. SINCE XXXX I HAVE HAD A BI-WEEKLY PAYMENT ARRANGEMENT WITH THEM WHICH THEY ADVISED ME TO STOP SINCE WE JUST REFINANCED AND A NEW PAYMENT RATE WILL BE SENT TO ME. I THEN WENT AHEAD AND STOPPED THE BI-WEEKLY PAYMENT WITH NEWREZ-SHELLPOINTON THE SAME XXXX OF XXXX THAT I DID THE CLOSING.SURPRISINGLY NEWREZ-SHELLPOINT STILL WENT TO MY BANK ACCOUNT OF XXXX  XXXX  XXXX XXXX XXXX AND TOOK UNAUTHORIZED PAYMENT OF $ XXXXAND SENT MY ACCOUNT INTOBALANCE AND SO FAR A PENALTY FROM THE BANK TO THE TUNE OFF {$100.00} IDID TRY 14 TIMES TO RESOLVE THIS MATTER WITH NEWREZ-SHELLPOINT TO REFUND THE UNAUTHORIZED AMOUNT AND THE PENALTY FROM THE BANK AND THEY KEPT GIVING ME THE RUN AROUND. TO MENTION A FEW NAMES THAT I SPOKE TO WERE XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL THESE PEOPLE KEPT ME THE RUN AROUND SOMETIMES ON THE PHONEFOR OVER ONE PHONE FROM ONE PERSON TO ANOTHER.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE THE FOLLOWING INFORMATION ON MY CONSUMER REPORT : ADDRESS, NAME, AND EMPLOYER .ACCORDING TO THE FRCRA THIS IS A VIOLATION
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account 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 account information below : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2500.00} Open balance XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY.

Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 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

Hi I am a victim of Identity theft and when going over my credit reports from all 3 credit bureaus I dont see the complete account number listed,? There shoukd not be XXXX at the end. I need to see the complete acct number.
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 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: Checking or savings account

Usaa has chosen. Not to do business with me but chose to deposit my va benefits into an account I have no ascess to. Leaving me with late fees on ultilties and rent. This is due to their policy of taking up to 60 days to close they account. This complaint is to inform USaa. That any and all fees along with any and all legal matters will be presumed in this matter. It is by no means justified to deny me the opportunity to eat or maintain a roof over my head Your policy creates a hardship for me that will force me in a finiacial situation that will be impossible to overcome release the funds by returning the to the XXXX treasury NOW
Product: Credit reporting or other personal consumer reports

I received a letter and email from XXXX XXXX that my information was compromised. I also received information from another company saying my information was leaked. I am trying to file the FTC report. I have companies that I don't know calling me saying I owe money to them. They told me that they bought something and now I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2022 from XXXX. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. Ally Bank XXXX XXXX XXXX XXXX  have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate 30-day late payment report.

Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I just got an alert that a new vehicle by XXXX has shown up on my Equifax report. This vehicle is owned by XXXX XXXX-XXXX  XXXX and not me personally. The vehicle is not in my name and not registered to me.
Product: Credit reporting

I disputed the lack of correct reporting of my credit scores with XXXX bureaus with no success. 

Since 2009 I have been asking and make a correction since on my mortgage payment and date of birth with no success. 
You have XXXX bureau with different credits score and critical data on file. 
I submitted a copy of State Driver license, Social security document for a correction with no success. 

Up today, you have XXXX different score with my case.
Product: Debt collection

They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately
Product: Credit reporting or other personal consumer reports

In the transition and consolidation of the US Department of Education 's XXXX servicer, my XXXX  loans were duplicated on my credit report.
Product: Credit card

I first aware of the in XXXX when I get an alert from XXXX XXXX then then after that I got the credit card that expired XX/XX/28 that said scan to activate or call XXXX or Truist.com/activate which I never did so after went to the bank multiple times and calls multiple spend hours on the phone nothing happened call cut off try call back then they transferred me to another department nothing now theyre reporting me to the credit bureau every month have collections company calling me 24 hours a day for a card that I have never had or use or even applied for never been activated this is how they get poor people by trying to keep us down they need to be reported in fact I had to pay the late fee because Im late 60 days for a card that Truist Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
Product: Credit reporting

Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Product: Vehicle loan or lease

On XX/XX/2023 my credit was used to get a loan in the amount of {$44000.00} on a car through LithiaXXXX XXXX XXXX XXXX The car was sold to an XXXX XXXX. I have called the company to their numbers and have not been able to speak to a person as the recording of music will go on for hours with no one receiving the call ( XXXX ) XXXX. This loan is to a person by the name XXXX XXXX, I have never met anyone by this name nor would I contract with another person financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I paid off my collection debt with Alpine Credit and I have court documents to prove it that debt has been paid off. We did a stipulation and they agreed to take that off my credit report and mail us a document on their behalf that my debt was paid off. I never got a letter stating that my debt was paid off from Alpine XXXX. I am requesting that Alpine Credit takes that off all 3 credit reports. They are quick to report bad things on all three credit reports, I am requesting that they take that off all 3 credit reports as we all agreed on the Stipulation. 

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

On several occasions I have requested that Experian update my credit report to reflect that ALL of the entries on my credit report, prior to XX/XX/2022, were part of a recent bankruptcy. 

However, Experian has not only chosen to update my credit report with the bankruptcy, which in and of itself negatively affects my credit report and score for XXXX  yearsbut they have also allowed each of the accounts included in the bankruptcy to remain as a separate and distinct entry on my report, which is nothing short of double jeopardy in how it affects my credit report and score. 

Experian is intentionally causing a misrepresentation of my credit report and artificially deflating my credit score in order to prevent me from being able to positively rebuild my credit profile. 

This action on the part of Experian only benefits them and the corporations, landlords, bankers, mortgage companies, car dealerships, etc., who subscribe to Experians consumer-exploitive membership. 

Experians deceptive practices will all but ensure that the wealth disparity continues to grow and the chasm deepens for those who are trying to start over and become better stewards of money and creditall while Experian and their corporate clients line their pockets with the monetary benefits of suppressing the underserved population.
Product: Mortgage

I was approved for a home mortgage with XXXXXXXX XXXX. They issued the loan and serviced it for about 11 months, after which time, they transferred it to Flagstar Bank. 

I made one payment and it went through fine, although it seemed to take them a long time after I mailed the check to process the payment. Then, this month ( XX/XX/XXXX ), I mailed a check on XX/XX/XXXX to their XXXX XXXX XXXX XXXX, TX. 

After about 2 weeks, I called them, and asked if they had received my check, and they said that they know that it was mail on XX/XX/XXXX. They advised me to wait until Friday, XX/XX/XXXX before calling them again. I waited until today, XX/XX/XXXX, to see if they processed the payment. They had not. And so, I decided to cancel the check and pay it online, which I did. That was the this morning. I called them and let them know I canceled the check and asked that they note the account and destroy the check if they have it. 

This afternoon I got a call from them, their Collection 's office, and the representative said that I was delinquent. I couldn't believe it. I told her that my loan was transferred to Flagstar on XX/XX/XXXX and I had until the end of XXXX to make the payment ( 60 days from XX/XX/XXXX ). I also told the representative I mailed the payment on XX/XX/XXXX and called them a couple times now to make sure the check was received, since it wasn't processed, I decided to cancel my check and pay it online, which I did this morning. 

The number I had to call back after I received their urgent message was XXXX - ( Flagstar 's internal Collections Office ). 

The electronic payment had already been acknowledged by them in the morning, and so their call to me to alert me of being late was ridiculous under the circumstances, and I believe even violated RESPA which allows up to 60 days to make payments. 

Anyway, I just thought you guys should know about their poor procedures and non-compliance in this case with RESPA. In the end Collections acknowledged the payment was pending, and said they will not charge a late fee. We will see if they can get that right.
Product: Debt collection

Jefferson Capital System Dear Sir/ Madam , I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except fro the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.