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

XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these three items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from XXXX, XXXX and Experian... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day
Product: Credit reporting or other personal consumer reports

I filed complaint against equifax, XXXX, and XXXX  in XX/XX/XXXX. XXXX and XXXX did the right thing and corrected my credit report. Equifax refused to make correction and then refused to help unless I sent all info by us mail. What is vindictive is Equifax changed reporting date of from XXXX to XX/XX/XXXX on my credit. They did this not as an oversight but to punish me for not accepting their answer. This revolved around a XXXX I filed but changed my mind and cancelled it was in XXXX so why is Equifax mysteriously changing the date to XXXX. This resulted in an almost XXXX point difference in my credit score XXXX at XXXX  and XXXX and XXXX at equifax. I have no collections or past due accounts. Equifax should bve ashamed of them selves for playing games because I filed grievance on them.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I made my final and last contractually obligated car payment of {$820.00} to Chrysler Capital. This payment effectively zeroed out my account. This last payment was reflected by their record and my account during the month of XXXX. Some weeks later, Chrysler, however claimed that I had an outstanding balance of {$300.00}. I challenged this {$300.00} for three months and ask that they send me evidence of this {$300.00} relating to the underlying note payment. It was not there. I asserted that this XXXX XXXX {$300.00} fee was nothing more than an unjustified JUNK FEE with no contractual basis. They promised to investigate which dragged on for three months until they decided to settle the amount in dispute at least I thought erroneously to my favor. I later learned from my credit report that they settled, the account, however, with a JUNK FEE of XXXX XXXX XXXX  fee being reported as 30 days LATE which has no contractual obligation. This is the type of fee that is impermissible to be reported on a consumer 's report. This {$300.00} fee was trying to be extorted from me. When they realized that I was unwilling to pay, they reported in it retaliation as an illegitimate late fee which damaged by personal credit rating. My scores fell from XXXX to XXXX. This injurious damage will remain on my report for the next three years. It is equivalent in terms of DAMAGE to a JUDGEMENT, BANKRUPTCY, TAX LIEN. My credit has been stellar for the last ten years at XXXX plus. I am appealing for an update and correction for this violation of 15 USC 1681, Section 1681 of the FCRA, Please force CHRSYLER to UPDATE and CORRECT for their Violation post haste.
Product: Mortgage

In XXXX 1998 Countrywide /Bank of America issued a mortgage loan under my social security information without XXXX or XXXX verifying as they claim they do .In XXXX 1998 i was only XXXX old I was n't of age to obtain a mortgage loan yet pay for XXXX. Do to this negligence not only have they stolen my identity, my social, they have committed fraud, they have sent to my credit report that i am deceased. I cant apply for my dream home, apply for a car loan or anything for that matter since I look like the XXXX committing fraud over their " XXXX '' game as Countrywide called it to get a mortgage out for their numbers. They have allowed fraud just to get what they need and not think of the consequences that will occur.
Product: Credit card or prepaid card

On XX/XX/XXXX I initiated an electronic payment which my bank indicated would arrive to my lending institution on XX/XX/XXXX. This was the date I intended the payment to arrive. My statement cut off date was XX/XX/XXXX. I wanted this payment to be applied to the XX/XX/XXXX statement. 

When I received my statement dated XX/XX/XXXX it did not reflect my payment of {$320.00} which was scheduled to arrive on XX/XX/XXXX. So I did not believe anything was amiss. 

On XX/XX/XXXX I received an email from Wells Fargo which stated : " We wanted to remind you that your payment for your WELLS FARGO XXXX XXXX ending in XXXX  is due today : XX/XX/XXXX. As of XXXX XXXX  PST, the minimum payment due has not been scheduled or received. '' I immediately called them and told them over the phone that I had sent a payment of {$320.00} and that my bank showed they had received the payment. They told me that my payment of {$320.00} was actually received on XX/XX/XXXX and had been applied to the XX/XX/XXXX statement, thereby creating a double payment for that statement and no payment for the XX/XX/XXXX statement. 

I told them that was incorrect and requested they needed to fix it. 

I was assured on the phone that they would fix this and that I would not be charged a late fee and also that my 0 % interest status would not be forfeited by this " late payment. '' Today I received my XX/XX/XXXX credit card statement in the mail and it showed my account past due. It showed my timely payment for {$320.00} dated XX/XX/XXXX. I was charged a late payment fee of {$29.00}. 

When I print " recent activity '' on their website it shows the last payment was received on XX/XX/XXXX. It does not show the payment I made yesterday on XX/XX/XXXX. The XX/XX/XXXX statement does not reflect the payment, but the XX/XX/XXXX statement does reflect the payment.
Product: Vehicle loan or lease

I submitted previous complaints to CFPB outlining the unethical behavior of GM Financial in handling my termination of car lease. GM Financial has not addressed any of the core issues associated with my complaint. CFPB terminated both complaints for some unknown reason. Request resolution of my complaint. Most recent correspondence to GM Financial is attached for your reference. Thanks for your assistance. XXXX
Product: Checking or savings account

Cap One has decided to block my account access and restrict me from using my hard earned funds. They said it's due to some things called XXXX XXXX XXXX. This was after I got the card and was encouraged to fund the account. I now have no money because they ares holding cleared money for no reason.
Product: Credit reporting or other personal consumer reports

I am formally requesting with this letter to remove the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} 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

Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Equifax. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.
Product: Payday loan, title loan, personal loan, or advance loan

I received an emailed unsolicited loan decline from an organization called Explore Credit. Because of my already low XXXX XXXX, I have not applied for loans since XX/XX/XXXX. Until today ( XX/XX/XXXX ) I had never heard of Explore Credit nor applied for one of their loans through a third-party or otherwise.
Product: Mortgage

Lakeview Loan Servicing , LLC subservicing by XXXX is my mortgage company. Since closing on my condo with them, I have never missed a payment and made all my loan payments on time. On XX/XX/2020 I made my payment for the amount of {$1500.00} just to receive a letter a few weeks later saying that I needed to submit another payment. I checked my bank account and the money was pulled from my account. I will attach proof of it which I received from my bank that the money was withdrawn and it did not come back to my account. Since XXXX, I have made several attempts to reach out to the mortgage company and each time no one is able to help. They either hang up on me or say they will look into it. Every other day I'm being harassed by them by phone calls about my payment. 
They say they don't have the payment and I don't have it either. So someone needs to explain to me who has it. 
The only reason why I'm contacting the CFPD is because the mortgage company has not taken any action in resolving the situation. 
Please help. At this point its affecting my mental health because I have never been late on any of my payments and I have never had to deal with a situation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are still reporting Contract Callers Inc on my credit report and a bankruptcy on my credit report that do not belong to me. I have submitted my DL, social security card, utility bill, and police report stating that these items do not belong to me. Yet they keep updating my report as a collections account. These accounts do not belong to me. I need them removed asap. Also, the inquiries on my account are not mine. I have already contacted XXXX about the issue as they are the original creditor on the Contract Callers Inc, but nothing has been done. The XXXX XXXX XXXX is not my account either and needs to be removed. I have tried to call them and I am not getting any kind of response. Also the only address and phone number that should be on my report is XXXX and XXXX XXXX XXXX, XXXX Ga XXXX. This information should not be used for any creditors to contact me and for them to update their systems to harass me about a debt that doesn't belong to me at all. My next step is to retain an attorney and sue any debt collectors that have not removed the items off of my report.
Product: Debt collection

Portfolio Recovery Associates , LLC has reported duplicate accounts for XXXX XXXXXXXX XXXX with account numbers XXXX and XXXX and I have settled this debt and XXXX is showing the account is current for every month except XXXX which is incorrect and I have letters to prove the account is charged off but the letters have account # XXXX and it is affecting me with my process to purchase my home.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but I just remember I could file a report on here as I feel they are not doing there job properly and it is affecting me a great deal as I used paypal quiet frequently my email linked to my Paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
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. 

Account name : XXXX XXXX, Account # XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Account name # : XXXX  XXXX XXXX, XXXX, Account # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXXccount # 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I have XXXX paid medical bills showing on my credit report. My understanding is as of XX/XX/2015 paid medical bills should be removed. I have called the creditor, they have no clue about the new rules.. I have called the Credit Bureau/I have disputed with the credit bureau and told I was told they have NO IDEA about the new guidelines : XXXXSome changes are retroactive. For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. That likely will immediately improve a consumer 's credit scores, although by how much can vary widely, XXXX said. 


XXXX
Product: Mortgage

I discovered in early XXXX XXXX that my monthly escrow payment with Shellpoint had increased by ~ $ XXXX. After going online to check my account, it turns out Shellpoint had obtained in early XXXX XXXX, without prior notification or authorization from me, a new " lender-placed '' hazard insurance policy for my property which costs XXXX more than my pre-existing hazard insurance policy. To my knowledge, my pre-existing hazard insurance policy was still current on my mortgage with my prior servicer, even when it got transferred to Shellpoint in XXXX XXXX. In addition to emailing a copy of my pre-existing insurance policy to Shellpoint, I have spoken with XXXX different staff on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and they tell me that they HAVE STILL NOT UPLOADED the copy of my pre-existing insurance policy, AND, they HAVE NOT YET REFUNDED to my mortgage account the previous UNAUTHORIZED ESCROW AMOUNTS they have disbursed to pay for the unauthorized lender-placed insurance policy they obtained without notification or authorization from me.
Product: Credit card or prepaid card

I have two late payments on my XXXX XXXX Card in XXXX and XXXX. Ive asked to have them removed from my credit. Im disputing the late charges.this card was was replaced due to my card being lost when I lost my entire wallet. I was given a new card
Product: Debt collection

My identity was stolen on XX/XX/ 2017. This electric company says I owe {$800.00} and put it on my credit. I contacted them and faxed them proof that is wasn't me and they say I still owe it and I have to pay. I'm trying to buy a house and they won't remove the debt from my credit reports.
Product: Mortgage

Dear Sir/Madame, I am filing this complaint to inform of the misdeeds of PHH Mortgage and XXXX XXXX XXXX XXXX ). My dad who is now deceased signed documents for a reverse loan for his property at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. As the XXXX of the property I am now dealing with PHH, who has added many fees to the original loan and is violating HUD policies. Also the XXXX hired by PHH has misrepresented facts in her appraisal of the property which I have spelled out below. 

I write this letter as the XXXX of the property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXXFirst there are a few discrepancies in the appraisal done on XXXX XXXX by XXXX XXXX XXXX XXXX License/Certification # XXXX. We believe that XXXX XXXX has misrepresented the total value of the property. The property value is no more that {$200000.00} to {$230000.00}. This value is based on others property sales in the neighborhood. Please find below what we are asking for, so that we can go back to the lender with real numbers for refinance of the loan.. 

XXXXWe want to dispute the appraisal XXXXThe XXXX hired by PHH did not compare the property to the better sold comparables. The property is a XXXX and the property was compared to XXXX, XXXX and XXXX XXXX. 
XXXX. The other XXXX in the neighborhood/area sold in the range of {$200000.00} to {$230.00}. 
XXXXWe are requesting that PHH to do another appraisal. If the appraisal is refused, we will ask XXXX to do it. 
XXXXFound in the appraisal the property is listed as a XXXX and should be listed as a XXXX. 
XXXXThe minimal improvements are XXXX major components that need repair, the roof and the air conditioner. XXXX XXXX only listed minor repairs. 
XXXXWe are requesting from PHH the due and payable package which is item XXXX in the case file. 
XXXX. It should be noted that that there is nothing in the case file substantiating the value of the property. 
XXXXPHH is in violation of HUD rules XXXXAgain it must be stated that the XXXX is widely misrepresenting many items in the appraisal. 
XXXXWe will be filing a complaint against the XXXX. We will file the complaint with the XXXX XXXX and the XXXX Attorney. 
XXXXWe will also be sending the appraisal to the XXXX of HUD and CFPB. 
XXXXQuestions we would like answered : a ) What happened to the homeowner 's insurance paid for by my dad? 
b ) When did the property become HUD insured? 
c ) What's the date the lender place the insurance on the property? 
We ask that PHH takes these matters seriously, and that all can be addressed expeditiously. 
We look forward to your responses. 

Respectfully, XXXX XXXX XXXX XXXX of the Property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion but there is only the option to get a copy of the report through an automated system at XXXX. There is not a live representative. I received a denial letter for a company I did not apply with. I have not been employed since 2020 when covid19 impacted employment therefore I have not applied for credit with anyone in the last year. In fact XXXX makes 2 years of me not attempting to obtain credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN HAVING ON GOING ISSUES WITH THESE ACCOUNTTS THAT HAVE REMAINED ON MY CREDIT FILES AND ITS FRAUD AND DOES NOT BELONG TO ME. PER 15 USC 1681B THIS IS AGAINST THE LAW AND MUST BE REMOVED ASAP! I DID NOT GIVE ANYONE PERMISSION TO FYRNISH THIS INFORMATION ESPECIALLY INFORMATION THAT IS CLEARLY WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that were previously held by Ford Motor Credit Company is reporting wrong. The account was included in a Discharged Chapter XXXX Bankruptcy but on my credit reports the account in question still shows late payments and not the proper reporting. Under the Fair Debt Collection Practices Act, the account should show " INCLUDED IN BANKRUPTCY '' and should have previous late payments and Metro 2 data showing charged off account not showing up.There are numerous issues with the reporting that violates the law. When I disputed this issue with XXXX  and XXXX, the Credit Bureaus deleted the account for violations against the Fair Credit Reporting Act. When I first noticed the issues were in XX/XX/2021. When I noticed the issue, I disputed it with Ford Motor and the CRA 's. Ford Motor didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ford Motor Credit Company delete these two accounts off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : DEPTEDXXXX XXXX  XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, DEPTEDXXXX  - XXXX, SXXXX 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 sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.