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

Lendmark Finan loaned money for a metal building I paid it off... there was confusion because they recorded it as 2 accounts.
Account XXXX and XXXX  
they reported it incorrectly. It is and was paid in full.. 

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

Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with XXXX 's that I did not create. I called XXXX XXXX credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the XXXX 's credit card account information the was on my credit monitoring site and mailed it to XXXX 's ( XXXX XXXX XXXXXXXX ; XXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from XXXX XXXX and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with Experian ( report XXXX ) I received the dispute results and they say they are not going to remove the XXXX XXXX card from my credit report. They state XXXX 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called Experian at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress has made it clear that Equifax has ASSUMED this role of assembling and evaluating my consumer credit, I have never given Equifax permission to do this, not only does Equifax NOT have my permission they have also NOT been given my consent. Equifax has not exercised their GRAVE responsibility, Equifax has been unfair, and Equifax has not respected my right to privacy. I have already filed multiple CFPB complaints AND an attorney general complaint. I have never constructed Equifax to furnish a report and have never consented to any report in the first place. Equifax is in breach of Federal Privacy Laws as well as their own data sharing policy per their companies website. Equifax has been asked to provide me with their alleged consent which they should have on file but Equifax does not have on file that they have my consent.
Product: Credit reporting

I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App XXXX 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 or other personal consumer reports

After the XXXX re investigation the account is still inaccurate remove this account immediately! 


XXXX XXXX XXXX ( account number ) - XXXX
Product: Credit reporting

I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its a fact of record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.
Product: Credit reporting or other personal consumer reports

My information was compromised. The company is Equifax. I have tried for many years to get the wrong information removed but it was always denied by Equifax. My engagement number is XXXX. This is to reference that my information has been compromised from Equifax.
Product: Checking or savings account

XXXX XXXX XXXX I was falsely accused of elder abuse by my grandfather. We bought a trailer together for his book tour, ( I helped him finance the trailer ) and when him and I got in a family dispute he called in a false abuse claim. USAA then put the entire responsibility of the loan on me, closed my accounts, and froze my money for 45 days. Then reported negative information to my credit report. Despite the fact that I sent documentation and had witnesses come forth and say the information was n't true. I was told by the agent that " it does n't matter what I provide, they will side with my grandfather ''. I have tried getting these issues fixed directly with the company ( who I was a member with for 5 years ), they are n't willing to talk to me. They also froze me out of all of my online accounts so I have no way to manage my two loans with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022
Product: Debt collection

CREDIT COLL has been reporting a collection on my account in the amount of {$750.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter regarding a credit card account in my name. This account was opened and utilized without my knowledge or consent. 

Despite flagging this account as fraudulent, I have been informed by XXXX XXXX that I am responsible for the outstanding balance. It was only after applying for a mortgage that i learned of the account. 

I have attempted to resolve this issue multiple times, but I have been repeatedly redirected without receiving any meaningful assistance. I am seeking your help to rectify this situation promptly.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have absolutely no idea how they got there. I always check my report regularly, but this time, there were unexpected discrepancies that make no sense. I even tried refreshing my browser, thinking it might just be a technical issue, but nothing changed. The inaccuracies are still there, and I feel completely helpless. Im begging for the documents Ive submitted to be reviewed thoroughly so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information in a collection account on my credit history is inaccurate specially the date of first delinquency is too old, because it has been improperly aged by the collection agency, and Equifax doesn't remove it even after 3 trials for dispute! 

I have changed my address since XX/XX/2018, and I am sure that I have paid all received bills. Even my address has been changed, USPS is still forwarding all letters to my new address. 

This incident might be related to a most recent bill on XX/XX/2018 from a medical centre inside another medical center that I have paid the bill. I received it in my new address very late in XXXX, and I called them to send me a new discounted bill, because I have paid very similar service to the hospital where they are in. Meanwhile, I talked to my insurance for any adjustment. But it seems they finally gave it to a collection agency called XXXX XXXX XXXX ( XXXX ) without any notice. 

My concern is that XXXX did not send me any prior notice, and they just reported to my history to frighten me. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''. 

( 1 ) XXXX did not send any collection notice to me. 
( 2 ) XXXX altered the date of first delinquency. 

Anyway, I called XXXX to pay the bill as soon as I receive the notice. Meanwhile, I disputed the bill with all credit reporting agencies, because its information is inaccurate, and it hurts my score a lot, as I never had any credit issue. XXXX  and XXXX  removed it from my history, but Equifax did not even after 3 trials! 

Please investigate this incident and let me know what to do next. Thanks for your support. 

Sincerely,
Product: Vehicle loan or lease

On XX/XX/2019 my bill for {$340.00} dollars did not go through when it was submitted on Toyota Financial online payment site. I reached out to Toyota they said that sometimes those payments online may not go threw so we should always verify to make sure payment was accepted. Because of payment not going threw I received a 30 day late on my credit. I explained that it was the only 30 day I had ever received after leasing with Toyota for over 7 years could they remove it from my credit as a one time courtesy. I was told all credit disputes have to be submitted in writing and I did so and they denied me the removal. Due to this late payment it affected my rates for turning in my vehicle and purchasing another lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info and delete the account violating the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX we received an email from our Credit monitoring service that an account with XXXX Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for XXXX to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year
Product: Debt collection

3rd REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Product: Credit reporting or other personal consumer reports

Dear CFPB I hope this letter finds you well. I am writing to address a matter of great concern regarding the reporting of XXXX accounts on my credit report. Specifically, I am requesting the immediate removal of the following accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I have previously corresponded with XXXX and Experian regarding these accounts and have diligently provided documentation from The Department of Education to support my request for the update of their status to " Paid as Agreed. '' Despite my efforts, the response from XXXX has been dismissive, suggesting that both the accounts and my concerns are frivolous. 

In an attempt to address this matter comprehensively, I submitted a second dispute letter to XXXX as well as Experian, presenting a different approach and providing additional supporting documents. Unfortunately, I recently received a letter from XXXX asserting that the accounts in question are accurate and verified. Furthermore, the letter stated that XXXX will no longer reinvestigate these accounts. 

I am writing to express my deep dissatisfaction with the handling of this dispute and to reiterate my request for the immediate removal of the mentioned XXXX accounts from my credit report. It is disheartening to encounter such challenges in attempting to rectify the reporting discrepancies on my credit profile. 

I urge XXXX to reconsider its stance and to conduct a thorough and impartial review of the information related to these accounts. The provided documentation from The Department of Education should be given due consideration, and the reporting on these accounts should accurately reflect their current status. 

The Fair Credit Reporting Act ( FCRA ) empowers consumers to dispute inaccurate information on their credit reports, and I trust that XXXX and Experian will honor this right by conducting a fair and unbiased reevaluation of the XXXX accounts in question. 

I kindly request that XXXX and Experian provide a timely and substantive response to this matter. Your cooperation in this regard is essential in ensuring the accuracy and fairness of my credit report. 

Please send written confirmation once the necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by CMRE FINANCIAL SERVICES , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was overbilled by the medical serve companies for unnecessary procedures and I had insurance at the time, which they failed to bill, although all this information was provided to them. I tried to get a fair solution over the phone with CMRE but it was denied. 

Im dealing with a very severe issue, that has caused me tremendous harm, but has a simple solution. I will pursue this matter in arbitration for damages and injunctive relief. CMRE FINANCIAL SERVICES XXXX INC. Has committed multiple violations on my reports, dragging my score and having my financial freedom tied up because of their negligence : Violation of California Credit Reporting Act. 
Negligence. 
Unfair Business Practices Failure to report account as disputed. 
Misrepresentation of facts. 
Account has been re-aged. 
Reporting wrong last activity date. 

Account information : CMRE FINANCIAL SERVICES , INC Account Number : XXXX XXXX Date Opened : XX/XX/19 High Credit : {$1700.00} Account Type : Collection Remedy : Deletion of accounts from all credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 i was notified by a text message that there were several transactions made on my card & withdrawals, later i got a call from a worker from Wells Fargo letting my know that my card was being charge in XXXX Texas & i let him know i was in XXXX at the time i was NOT out of state. Then he read a couple transactions saying that i had 4 withdrawals from an ATM from somewhere in california made with a XXXX XXXX phone, again i let him know it was not me. First withdraw was {$100.00} second one from the same ATM was {$380.00} then again for {$320.00} & lastly {$200.00}. All late, he removed my card from the persons XXXX XXXX & change the pin apparently. i later had to call again & ask if i was going to get a new card but i guess the person didnt file that so i had to wait & do that again. I let him know i had called earlier because of unauthorized transactions & he said i should file a claim & so i did & i waited almost 2 weeks ( XX/XX/XXXX ) to find out i wasnt going to get my money back because my card was in my possession.
Product: Mortgage

We closed on our loan with Finance of America in XXXX. Our first payment was due XXXX XXXX On XX/XX/XXXX, we decided to make a principal curtailment payment in the amount of {$1400.00}. Before making the payment, I called Finance of America to make sure the account was set up and ready to accept the payment. I offered to pay over the phone through a representative to avoid any mis-allocations of the funds. The customer service representative informed me that if I did that she would charge me a fee. Therefore, I requested that notes be made in the account stating that I would be sending in a principal curtailment payment electronically. The same day, XX/XX/XXXX, I made an electronic payment on which I indicated that the funds were for principal curtailment. 

Finance of America processed the funds on XX/XX/XXXX. In spite of my best efforts at communication, part of the funds were applied to XXXX 's payment instead of reducing the principle as requested. I received a statement stating that no payment was due until XXXX. I was surprised. On XX/XX/XXXX, I called Finance of America and requested the funds be allocated according to my wishes. Please recall no payment was due until XXXX first. This time the representative informed me that until I made XXXX 's payment, they could not make a principle curtailment payment. I made a second payment on XX/XX/XXXX in order for them to process said principal curtailment. A ticket was created and sent to the 'appropriate ' department. 

I followed up with Finance of America on XX/XX/XXXX or XXXX to see if the issue was resolved. I was informed that they would be completing the ticket on XX/XX/XXXX. 
Today, XXXX XXXX I received a statement from Finance of America stating that no payment was due until XXXX XXXX. Thus indicating that all my attempts at having funds allocated appropriately were in vain. I tried to call customer service and requested to speak with a manager, before the transfer, I requested that if the call dropped to please call me back. I also contacted our loan officer, who is trying to be very helpful and gave us the information needed to contact you. As of this writing, no-one from Finance of America customer service nor the servicing department has called me back. 

We are not happy with how they have handled a new customer!!!
Product: Credit card

I received a letter dated XX/XX/24 informing me that I was approved for a XXXX XXXX Credit Card. I had XXXX  XXXX  on XX/XX/24. I received my first bill on XX/XX/24 and the bill included an interest charge of {$5.00}. I contacted XXXX XXXX and questioned how I could be charged interest on a purchase when my agreement states : Your due date is at least XXXX  days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. 

I was not given the opportunity to pay the entire balance, in fact, did not receive an bill prior to being charged interest. 

When I contacted XXXX XXXX, the customer service representative explained that I made a purchase toward the end of the billing period and that is why I was charged interest. When I tried, several times to explain that I was not even given an opportunity to pay off the entire balance ( since this was my first bill ) - the representative kept stating that I was charged interest because my purchase was at the end of the billing period. Interest was charged the day after I was notified that I was approved for the credit.

I asked to have the {$5.00} charge removed due to the fact that I had not received a bill or given an opportunity to pay off the balance prior to being charged and due to my agreement with the financing company. That request was denied.
Product: Credit reporting

I accessed a one time service from Experian for a credit report when applying for a credit card two years ago. Since then I have received emails from them and assumed this was junk mail. I never opened them nor have I used their online rating service since the initial check. I have not received paper billing from them. This week I checked my online bank balance and noticed a {$27.00} fee from Experian every month. I called my bank and they traced the charge back to at least XXXX 2015 - which is close to {$500.00}. The bank said they could not reverse the billings. I called Experian to cancel and file a complaint. They said that when I signed up for the initial service I was supposed to cancel after seven days and that this direction is clear on their website. I have no memory of this being clear ; I 'm very careful and have never had this problem with any other online service that I 've used. They offered to refund XXXX payment of {$27.00}. I have researched Experian complaints in online chat boards and have found that many people have had the same problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the deletion of this account in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). 

The collection account in question is XXXX XXXX XXXX XXXX XXXX .I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.