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

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XX/XX/XXXX per my credit reports. I reached out to XXXX and Experian in regards to the following accounts : XXXX  XXXX XXXX XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.
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 violates 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 and 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

1st XXXX loss my hardship paperwork packet to have a forbearance of student loans, no one took ownership for it instead place my account with TN Dept of Ed for bad standing of my loans, which then landed my account with a 3rd party collection company which then sold my accont to another 3rd party collection company all this without one contact to me to let me know that I was ever in a bad standing with anyone. After I found out years later ( from missing money on my tax return and credit report pulled to see a Fed loan on it in bad standing w/ negitive marks/ points ) my loans was NEVER places in forbearance status.as I was told it would be ( only one of two options they ever gave me for my loan ). I called XXXX, TN Dept of Ed to find out what in the world was going on, after my repeated calls to XXXX, TN Dept of Ed for months NO one was welling to help me out or take ownership in their errors instead placed all blame on myself for everything that's happed and said I don't have a right to dispute the matter cause I signed that away when I signed for the loans to go to school and they have ever right to do everything that has happened to me thus far and will take my wages by garnishment. No one never once tried to fix their errors, recall my account from collections, or take ownership for the lost of my hardship paperwork they required for my forebearance instead advised me it was my fault I am now with their 3rd party collection company and they can not talk to me. My credit is effected poorly now, money took from my household ( a single mother of XXXX children ) that was over $ XXXX tax return from 2017 and the loans are still high due to the interest never stopped from day one til now ( when my account I was told was in forbearance years ago ) but never placed in that status with XXXX. 
XXXX side note a rep with XXXX even verified that I qualified for hardship in our call when I asked for another forbearance on my loan ( only two options i was ever given for help on my loan ) My account is still in collections and have stress for I don't know what next these people is going to do to me negatively to effect my household. I would have never tried to go to college if I knew i would be done like this and treated so poorly. Is this what the " American Dream '' is all about?! More like the " American Nightmare "
Product: Mortgage

The current company Selene Finance purchased our loan of a remaining balance of {$34000.00} and never notified us that they were the new service provider and XXXX XXXX did not tell us they were no longer the mortgage servicer in fact they corruptly placed the house into a fraudulent foreclosure listed an attorney as our representation someone who we don't know & never retained. Then after trying to make sure that the fraudulent foreclosure was stopped, we received information via us calling the old servicer saying that Selene was the new servicer. At that point no one sent us Nothing in regard to the change of servicer. Not only did Selene acquire the loan for what we were told {$28000.00} they are trying to charge us {$310000.00} a balance that is not owed and they can not explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
Product: Vehicle loan or lease

I had a loan with Ally Financial for a XXXX XXXX prior to my divorce in XXXX. The loan was under my name but paid through my ex husband and my business. However, when we filed for divorced, my ex-husband immediately stopped paying the car loan. Although, through court orders the payments were to continue through out businesses, my ex transferred the business to his partners name. The car was ultimately reprocessed and I filed for bankruptcy chapter XXXX, in XXXX. I have completed and complied with all bankruptcy rules and therefore, my attorney had ad used me that Ally Financial Loan falls under the umbrella of bankruptcy and should not appear in any of my credit reports. I am moving forward in my life with a job as a XXXX XXXX earning over {$100000.00} annual salary. I need to to lease a vehicle for the safety of my XXXX minor children and myself, however, the devastation of being denied due to inaccurate information on my credit report creates difficulty for a professional individual earning a decent salary trying to lease a new vehicle. I am hopeful that this discrepancy will be rectified and removed from my credit report. Any concerns or questions or any pertinent additional documentation may be provided at your request. Thank you. Truly, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our rental home with XXXX XXXX  end paid off in full our old loan XXXX XXXX. Also we paid in full off our XXXX card at nearly & XXXX. Because this is a new loan with XXXX we were given a D with Transunion credit Reporting. We're never late with our payments and you give us a Fair rating after having Very Good. Don't understand why our Good standing with previous vendors isn't taken into account but base it all in this '' new mortgage ". The other credit reports don't penalize like Trans Union. Please consider this. It may be a new mortgage vendor because we refinanced but the mortgage payments have been perfect in the past. 
Thank you for contacting this. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I had a credit score around XXXX for over a year now until I recently submitted a dispute through Experian regarding what I believed to be the reason why the score was not XXXX, which was a false claim from XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. On XX/XX/XXXX I received a notification from Experian that my score decreased XXXX points. I suspected this to be an error ; or a result of actions of retaliation post my dispute either by Experian or the XXXX account. .I was not offered information in regard to the decision either. 

I called XXXX ( which was my XXXX Credit card ) they reported no issues on their end and agree to further investigate the issue as they said they never reported late payments to any of the credit bureaus. 
I called them again after 11 days of my initial call because the credit report dispute continued to show. 
dispute closed with the same information at Experian 's ends. XXXX informed that the issue was still under investigation and that I would get a response in 15 days. 
It has been more than 20 days and I have not received a response from the XXXX, but what is worst is the fact that my credit score continues to show issues associated to this credit card. 
Moreover, it seems that the Experian dispute team closes all of my disputes about this same issue with great frugality. They missed to share details of their investigation, just open date and closed date. It almost seems like a game at this point. me opening the dispute then 24 hours later " dispute results are ready, click here '' ..then I click to get no explanation whatsoever in regard to what sort of investigation they did on their ends. 
I am really disappointed about Experian, it seems all they care for is your money. If you want to boost your score enter your credit card. 
I am also very disappointed about XXXX ', I was a platinum card holder, had the card for decades, never had an issue. That is the treatment we deserve as customers? 

I appreciate your help.
Product: Checking or savings account

Capital One charged {$200.00} to my account and I tried contacting them and I also tried contacting my bank for more information on where this transaction came from. 

Please help resolve this. I do not know what to do.
Product: Credit card

A credit card shows on my credit report. I never been a user of this company ( capital one ) and my credit report shows an account with a past due and I been trying different capital one departments and no one seam to find that account and still showing as past due on my report. Need to remove that from my history due to I have never been a capital one card
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. 
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2017 Balance : {$15000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was misused and has caused harm to me and my report setting me back in a major way because Transunion agency has not been 100 % accurate. I sent along attachments on he violation they continue to break.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have identity on all 3 of my credit report XXXX, XXXX XXXX, Experian credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
Product: Checking or savings account

The institution is Navy Federal Credit Union the time is XXXX of 2008. An amount of {$1300.00} dollars not authorized by me was taken out of my Navy federal credit union account to pay for my lodging without my consent, It was stolen and they know it. I did email the last CEO last year and even though hes a retired admiral he said too bad so he can eat a bag of XXXX. I heard they have a new CEO maybe she can fix this. I know it is old but it is stolen money and I have put in requests talked to people on the phone and just get the run around will someone please help me. I am passionate about this because my mom takes XXXX meds and doesnt have alot of money so I help her out as much as possible. The account number is XXXX.
Product: Credit card

I signed up for a Macy 's credit card in XXXX and at that time Macy 's enrolled me in a credit protection program without my explicit consent. I received a reminder of my enrollment in XXXX of XXXX, and this was the first time that I have been given information regarding the terms of the program and notifying me that I was enrolled. The program charges a monthly fee based on your balance which over the lifetime of my card has cost me {$210.00}. I never enrolled in this program and I was never informed that I was paying for it, it was included in my bill as a fee and not explained. I would like to be reimbursed for these charges as I did not authorize them nor do I need or want them.
Product: Credit reporting or other personal consumer reports

Inaccordance 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

I am unaware of the details of this account on my credit report Per FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Credit card or prepaid card

I have a couple of credit cards with Chase, I had a good relationship with them. I was receiving business credit card offers from Chase often so I decided to apply for one of them since I already had one that had cash back rewards, this one was offering miles that I can use for traveling. I travel a lot for business purposes so that card suited me well. XX/XX/XXXX of 2019 I applied for the card and application was pending, after 3 business days I called customer service to find out application status and they were really rude and XXXX, did not answer any of my questions and just very rudely said we will notify you in 30 days. On XX/XX/XXXX I called to make a payment on my chase business credit card since payment was due on the XXXX, and I found out my account is closed. I contacted customer service to find out the reason, and they said whoever handles that department is closed for XXXX and will return on XX/XX/XXXX so they told me to call back. I called on the XXXX and I was transferred to that department and I asked what is the reason behind the closure to my accounts. They closed 3 of my chase accounts. 2 of them are personal and 1 of them is business. They said the reason why its closed is because you have a XXXX credit card which is linked to XXXX XXXX that has been closed due to non activity for a couple of years. Recently XXXX XXXX XXXX   closed my account as well due to no specific reason. So Chase said since those accounts are closed we decided to close your chase accounts as well. So as of now I had a feeling as if they were asking me what I wanted to do, I said I want you yo reopen my accounts, customer service said we cant open your accounts unless you speak with the supervisor, hes the only one that can reopen the accounts. I said ok and waited for the supervisor to call me. Morning of XX/XX/XXXX I received a call from the supervisor and she sounded from plain, rude, as if she didnt even care whats going on. She said we can not reopen your account and its final. I have nothing to say, all I can say is that they dont have the right to just close down my accounts without a legal reason.