23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have requested for Ally Auto to adjust my monthly payments due to hardship ( change in work and economics ). I spoke with someone in XX/XX/2020 and they advised me after 14 successful full payments I can request a loan modification. So I did in XXXX and also due to COVID-19 they offered an adjustment for payments or a kind of Forbearance for 90 days so I requested both and after calling in XXXX, XXXX and XXXX to find the status they sent me letters with approvals for both which I have attached. 

Now in XXXX I have checked the amount due and it does not reflect the amount that my wife, I, and the Rep from Ally Docusigned about the modification of the loan amount due monthly. They didn't make any adjustments and are reporting to the credit bureaus that I am 90 days late, not honoring the COVID-19 Forbearance arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX  as I denied any ownership to this account they claim is mine. There was no investigation and they reported to my credit report any way. I never had att and filed a claim with federal trade commission as well.
Product: Debt collection

Collection agency IC Systems is reporting a {$190.00} debt from XXXX XXXX XXXX to XXXX XXXX. This debt is from 2007 and is being report as 2 years and 3 months old. I recently disputed the information with XXXX XXXX however, the results did not change the inaccurate information being reported. Their contact information is : XXXX XXXX XXXX XXXX  XXXX, MN XXXX United States XXXX
Product: Credit reporting or other personal consumer reports

Experian keeps reporting this account as resolve, but do not delete or remove from my account even though I have sent letters to the original creditor, and the matter had already been settled. 
I decided to exercise my right and Up out under the provisions of the 15 USC 6802 of the Gramm-leach-Bliley Act since I noticed that the original creditor had two other collection companies trying to collect the same debt. It worries me that my personal information might be misused, I also requested a XXXXXXXX XXXX XXXX Which is still havent received. I wrote them directly to resolve this matter privately they use any parties. 

See attachment
Product: Debt collection

LVNV Funding is reported on my credit report to XXXX and XXXX for an account that I do not own. They appear to be a collection agency and seemed to be managed by Resurgent Capital Services, I have never done business with them or the original creditor that they claim this item belongs to. I have tried to reach out to their company several times to get this item removed. It contains inaccurate and unverifiable information. Different information is being reported to different credit reporting agencies. I have been battling XXXX, XXXX, and XXXX for several years. During that time I have become a victim of identity theft. I was also a victim of the XXXX XXXX XXXX. I have reported this to my local police and the FTC. I have attached the Identity Theft Affidavit. I have also attached my drivers license and social security number for identification purposes. I would like this account removed from my credit report immediately as it does not belong to me.I have lived in Florida my entire life. This account is a collection account for an unpaid utility bill in Texas. I have also tried to contact the original creditor to get details on this account and to get it removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX  XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX  XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX? XXXX XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAPITAL XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX  XXXX must also refund the remaining balance of the consumer account upon its termination.
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 tar timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 4.9 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, credit repair services, or other personal consumer reports

I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Experian and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this XXXX XXXX verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like Experian, XXXX and XXXX are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Employers : XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my TranUnion credit report. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The listed inquiry do not belong to me and must be removed from my TransUnion credit report. I had a call with the company and the credit reporting agency advised to fill out identity theft report for deletion. I am requesting TransUnion to mark listed inquiries as a fraudulent and remove from my credit report.
Product: Credit reporting or other personal consumer reports

I'm writing today concerning a XXXX account that has been previously removed from my consumer report, but was reinserted on my Experian consumer report on XXXX XXXX. First and foremost XXXX loans should not be on my consumer report. Pursuant to FERPA my XXXX  records should be kept confidential and private. My XXXX  loans are not public information, so what or who gave XXXX the right to publish, disclose, or furnish my nonpublic personal information to or on a public forum such as a consumer reporting agency. This is a direct violation of my privacy. 

34 CFR PART 99FAMILY EDUCATIONAL RIGHTS AND PRIVACY Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records?

99.30 Under what conditions is prior consent required to disclose information? 
( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the XXXX XXXX education records, except as provided in XXXX. 
( b ) The written consent must : ( XXXX ) Specify the records that XXXX be disclosed ; ( XXXX ) State the purpose of the disclosure; and ( XXXX ) Identify the party or class of parties to whom the disclosure XXXX be made. 
I have not given XXXX any written instruction, any permission, nor have I given XXXX any permissible purpose to furnish anything on my consumer report. I have also enclosed a copy of 34 CFR PART 99FAMILY EDUCATIONAL RIGHTS AND PRIVACY in this letter stating when and when not written consent is required. Please reference the attached file. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Mortgage

On XX/XX/XXXX, I received a hello letter from ShellPoint mortgage, who began servicing my loan. On XX/XX/XXXX, I made the initial mortgage payment, consisting of principal and interest. My monthly mortgage payments are current, and I pay my own property taxes. The problems started on XX/XX/XXXX, when ShellPoint mortgage set up an annual tax escrow account for tax year XX/XX/XXXX. On XX/XX/XXXX, I notified ShellPoint mortgage that my XX/XX/XXXX property taxes would be fully paid by year- end XX/XX/XXXX, and that my taxes have never been subject to an escrow account. ( There were no overdue taxes on account. I have owned my property for decades ). On XX/XX/XXXX, I prepaid the remaining amounts owed on my XX/XX/XXXX property taxes. Effective XX/XX/XXXX, I owed {$0.00} dollars for XX/XX/XXXX taxes. On XX/XX/XXXX, I notified the managing director of servicing, XXXX XXXX, that my XX/XX/XXXX taxes were paid in full, and that no tax payments were owed for the next thirty -days, or anytime soon ; in my area, XX/XX/XXXX tax assessments are not scheduled to be issued until early summer of XX/XX/XXXX. XXXX XXXX requested proof of payments, and provided me with an email address. On XX/XX/XXXX, I sent in the proof of payments as directed, and the following day received confirmation of email receipt ( s ). Nonetheless, on XX/XX/XXXX, I received a threatening letter from the Loss Mitigation Department at ShellPoint mortgage, who falsely claims past due amounts owed, ( which, includes a late payment fee for my XX/XX/XXXX monthly payment, which was timely made ), and threats to call in my loan. 

On XX/XX/XXXX, I spoke with the servicing department at ShellPoint mortgage, who apparently lacks the necessary power to make adjustments on accounts. 

On XX/XX/XXXX, I sent ShellPoint mortgage a detailed letter, and re-submitted proof of property tax payments for XX/XX/XXXX, ( via email, fax, and express mail ), and also sent a copy of the delivery receipt for the XX/XX/XXXX, mortgage payment. 

In my letter of XX/XX/XXXX, I requested the following from ShellPoint mortgage : To be removed from their escrow system, ( no property taxes are due forXX/XX/XXXX, or within the next thirty ( 30 ) days, or anytime soon ) ; that ShellPoint mortgage make all necessary corrections to my account ( ShellPoint mortgage is owed no money ) ; the return of an overpayment made by me on XX/XX/XXXX, for {$460.00} dollars. An error in the ShellPoint mortgage telephone electronic system caused an overpayment on account, which has not been credited or returned. Instead ShellPoint mortgage used the money to fund the alleged escrow account for XX/XX/XXXXpayments, even though full payment has been made. I request that loss mitigation cease and desist from sending harassing and intimidating mail. To date, ShellPoint mortgage has opted to ignore the facts, and the submitted proofs, showing no payments owed on accounts. I request your assistance in this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's reported my credit card had late payments. I never made a late payment and requested written documentation.XXXX I therefore closed the account. I need to have the late removed from credit immediately.
Product: Credit reporting or other personal consumer reports

This complaint has been filed with the CFPB pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : A fraudulent hard inquiry with XXXX XXXX XXXX  on XX/XX/2024, A fraudulent hard inquiry with XXXX XXXX XXXX  XXXX on XX/XX/2024, These fraudulent hard inquiries appearing on my Equifax XXXX credit report. I do not recognize these hard inquiries as they were not initiated by me. Attached is a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report maintained by you, which highlights the fraudulent hard inquiries. 

Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX ] as proof that all aforementioned accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This company has continued to violate my consumer rights by reporting inaccurate information about and address I never lived at plus this is a made up address that is attached to an account that is also not mine but they still want remove this account even when I request it to be removed plus I have shown my drivers license that have my correct address on it but still they want remove it. I have even got and FTC report for the account and inaccurate address but still they want remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS
Product: Bank account or service

I have been using rush card for almost 5 years happily until XXXX XXXX. At that time a software glitch became a nightmare. On a trip to XXXX XXXX for a work conference I was embarrassed when my card declined a transaction that I should have been able to afford easily, from there I suffered the continued embarrassment of having to rely on my co workers to finance my expenses including a ride home to the air port. Till this date I still do not have access to my funds. I have been reduced to borrowing money from friends and family to pay for basic expenses. Numerous calls and emails to this organization have gone unanswered. It is as if my money has disappeared. It is XXXX XXXX and I still can not acces my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a Bankruptcy on my credit files and all 3 bureaus claim to have verified the the Bankruptcy BANKRUPTCY XXXX XXXX Number : REF XXXX XXXXXXXX with the courts, and I sent a letter certified to the courts to challenge this and the courts clearly states in the attached document that they don't send any such verification to any 3rd parties such as Credit reporting agencies like EXPERIAN, XXXX AND XXXX. so it's obvious that this information was obtained fraudulently and is being reported fraudulently and should be deleted and removed from all 3 credit reports and I should receive an updated report immediately. or I will sue each bureau for defamation of character and pursue monetary damages fully.
Product: Credit reporting or other personal consumer reports

My account with NAVY FCU was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


NAVY FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX XXXX ( EWS ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted EWS dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted EWS dispute receipt showing when you received my dispute showing all the accounts I have disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info Seterus bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!