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

Inaccurate information on my credit report. XXXX  XXXX was sold to a third party collection company.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX DOB XX/XX/XXXXXXXX  Last 4 SSN # XXXX ... ... ... .Date XX/XX/XXXX, RE : My request to provoke methods of validation dispute letter invoking FCRA 611 ( 15 U.S.C. 1681I ) to whom it may concern ... ... On XX/XX/XXXXXXXX  I requested a investigation OF IDENTITY THEFT AND FRAUD THAT I DO NOT RECOGNIZE OR AUTHORIZE NOR GIVE PERMISSION CONSENT FOR THIS ACCOUNT TO BE OPEN THIS IS IDENTITY THEFT AND FRAUD UNDER THE FCRA 605B ( 15 U.S.C. 1681I ) if I'm reporting identity theft and fraud under laws which you should be in compliance with I had filed a FTC report with a cfpb report attached with my complaint of identity theft that was to be moved and four business days of receiving the complaint I received a response from the cfpb stating on XX/XX/XXXXXXXX  public response that the company has received my complaint and still working on it it has been several days now and there are in violation of my rights by not removing and blocking the information that I requested.I felt the items is not being reported illegally I am concerned about the validity and accuracy and recent investigations. Please send me the following information used to verify the validity of the following account XXXX XXXX open on XX/XX/XXXXXXXX  XXXX # XXXX Bal of {$1000.00} I previously disputed this account. I do not agree with the results of the investigation please mail me proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within 15 business days of the completion of your investigation.. I am keeping all documentations of information I have received and sent as well for disputes for my records. Also I have inserted documents of letters for my dispute I received from you circled and red indicating I did not follow procedures or I'm aware of the account belongs to me you can not make a decision without having an account validated as accurate or complete so I'm requesting method of validation from this Credit bureau
Product: Checking or savings account

I made a deposit into my chase high school checking account on Sunday XX/XX/XXXX for {$430.00} and the ATM machine did not give me a receipt or any information on my account. I tried using my debit card today XX/XX/XXXX and it was not working. I called my mom to check what was going on with my account. I was informed by my mom who checked through the online chase bank that my account had disappeared. I called chase with my mom on the phone and I was told that my high school checking account had been closed but my debit card was still active. No one ever notified us of the closed account. I am XXXX XXXX and need my money. I was told after making a claim and speaking with XXXX that it was going to take up to 10 days for the investigation and another 10 days for a check to be made and mailed to me. I do n't understand why this money can not be put into my mother 's checking account ( head account ) as she has access to add and take away money from my account. I also do n't understand why we where never notified of the closed account. In addition, I do n't understand how the ATM would take the money as a deposit when the account is closed? Furthermore, how does a debit card remain active when it does not work? I do not think this is fair practice as I need my money now and not in about a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, Equifax, XXXX and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXXXXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
Product: Vehicle loan or lease

I sent Mercedes a 2nd Notarized Affidavit of Truth and Facts on XX/XX/2020 certified mail. They are in receipt of my 2nd Affidavit as of XX/XX/2020 at XXXX. 

Mercedes has failed to comply with the FDCPA and Truth and Lending Laws. 

Mercedes is a debt collector as defined in the FDCPA Mercedes has failed to Rebut my notarized affidavit, which is the only way they can address me by law as a federally protected consumer Mercedes has not tried to address this complaint properly
Product: Credit reporting or other personal consumer reports

I am filling this complaint to EXPERIAN with report number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate and unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

Experian is reporting 5 accounts to my credit report and they were opened without my knowledge or consent. I filed an identity theft report and verified my identity and they still do not remove the accounts. They're breaking the law by reporting inaccurate information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After having impeccable credit history for 10 years with B of A and in general, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account. B of A did not reach out via phone, email, or regular mail. Upon further investigation it was claimed to be due to " short staffing and covid ''. B of A advised as a " courtesy '' they would remove the late payment. Which to date they still have not removed from any of the 3 agencies. Upon notification of the late payment, I contacted immediately and made payment. They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due. I have disputed the late payment ( 1 payment in 10 plus years ) and they " verified '' instead of holding their end of the agreement.
Product: Payday loan, title loan, or personal loan

XXXX sold this loan to First Associates. First Associates is effectively a shell company where it is impossible to have any type of discussion with someone. 

I called First Associates and have emailed them. They have confirmed that I have never missed a payment. They sent me an email reply confirming as such and a file which I can't interpret. It appears to be something meant to send to the credit bureaus. However, what they are reporting as a late payment with XXXX  is from late XX/XX/XXXX. The file they sent is itself incorrect as it shows payments stopping in late XX/XX/XXXX. This information is all correct. 

I have never missed a payment and the loan was actually paid off in XX/XX/XXXX. 

First Associates needs to update my loan with XXXX to show never late and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with XXXX XXXX XXXX ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with XXXX XXXXXXXX XXXX ( XXXX ). This fraudulent account was reported by Experian, XXXX, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with XXXX, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that XXXX has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with XXXX from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore Experian, XXXX, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. XXXX has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.
Product: Mortgage

Have been applying for loan modification for past 4 years due to job loss then decrease in wages. Continually kept asking for repetitive info. Thus forcing me to continually re apply for loan. When i finally acquire sufficient income they denied all options due to fact i am a 1099 employee. Prior to that never once told me that it was not acceptable and sent me forclosure Notice
Product: Payday loan, title loan, or personal loan

I've contacted the company as there was a discrepancy with the pay off of the loan. There is no pay off date for the last withdrawal date as I was informed that this is an installment loan. Installment loans typically have a final draft date. {$130.00} is being drafted from my account as of XXXX, XXXX  and this being done biweekly. My bal owed is {$730.00} but they are saying to pay off the amt it's over {$1000.00} in addition to this they keep calling and emailing, harassing me to take out additional money and I keep informing them to remove me off their list as I am not interested.
Product: Credit reporting

I have not tried to obtain and credit and I continue to see credit inquiries on my report that I did not allow and would like removed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Records on XXXX, TransUnion, and XXXX XXXX Files Dear CFPB, I am writing to formally dispute inaccurate late payment records reported by One for my account ending in [ XXXX ] on my XXXX, TransUnion XXXX and XXXX credit files. These records incorrectly reflect : Two 30-day late payments Two 60-day late payments These entries are inaccurate, as I have consistently made on-time payments for this account.

I have contacted both One and the credit bureaus to resolve this issue but have not received an adequate response or correction. I am now seeking your assistance to investigate and correct these errors.

To support my claim, I have attached the following documentation : Copies of my XXXX, TransUnion, and XXXX credit reports with the disputed late payments highlighted The inaccurate reporting has caused significant harm to my credit score and financial standing. I kindly request the following resolution : 1. Immediate removal of the inaccurate late payment records from all three credit bureaus ( XXXX, TransUnion, and XXXX ). 
2. An update to my credit score to reflect the removal of these errors.

3. Written confirmation that the corrections have been made and that these late payments will not reappear on my credit file.

Please let me know if additional details or documentation are needed to resolve this matter. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

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

I took a loan out with XXXX over some professional audio gear, which I spend over {$25000.00} annually on. My intention was to simply use my bank card as always. However XXXX was plastered all over the companies website as an easy flexible payment option. I took the bait and decided to try their service. First of all this company is well known for its poor response and allowing a customers credit to suffer rather than work to solve a problem. I almost am convinced that their business model intention is to lower credit scores. All you have to do is read the nightmares about this company, and when you complain through XXXX online in which they are not accredited they simply reply with vague snarky reasons why the customer was wrong and it was their fault. I have a 35 year credit history and not one trade line on all three bureaus have ever had a negative rating in my life ... ( 35 years!! ) until XXXX. We had a mixup over the proper routing numbers to my CU and a payment was rejected, the payment then posted again and was rejected a second time. XXXX spoofs phone numbers from all over the USA to appear to be one of your employees on your cellular network of a random local city so I was unaware of being contacted. I received no SMS messages or any other collections activity until they just decide to repor negativity. Catching this I called them myself and paid the loan in full with my bank card.
Product: Debt collection

I've been dealing with an identity theft and card information fraud situation since end of XXXX. I've tried to fix my credit reports but these people are just sick!! Now they are trying to sue me for it and have no interest in anything I have to say just demand I pay them all this money. They are rude, repulsive, and despicable individuals. They need shut down as I've seen I'm not the only one who thinks they're absolutely appalling individuals.
Product: Money transfers

I transfer money using google wallet service to my boyfriend. I was giving the chance to the review the transaction before submitting it. The transaction said it would be completed within 24 hours. It has now been for days and the money has already been taking out of my account but my boyfriend has yet to receive it. I call the google wallet service everyday since the transaction and they tell me something different every time
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 make 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: Vehicle loan or lease

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Mortgage

They denied me I sent many complaint cfpb does n't care if I become home les s u n eed to be more sgressiev e Wachovia is a  reason for my loan this loan was trouble since  2007  the invester for this loan should held accountable he sticked this fraud loan to me and now his having a good life and I have to suffer forgive this loan I have a  XXXX  husband I have enough to deal with loosing my home is a death to me.
Product: Student loan

I was not told about other payment options if I was not able to the current rate.
Product: Mortgage

Loan Number XXXX, for property address XXXX XXXX XXXX, XXXX, VA XXXX Almost one year ago, I purchased a new home. The mortgage company we choose to use was Quicken Loans. This company was XXXX of the preferred lenders from my agency, so I went with them. Just recently, I received papers and billing statements from Quicken stating my current mortgage of {$2900.00} would be increasing to {$3300.00}, a {$400.00} increase. I contacted Quicken to inquire more details. Initially all they could advise was there was a shortage in my escrow, and this was needed to cover it. I dealt with client relations, who then forwarded me to a senior research team member, XXXX XXXX ( XXXX ). XXXX XXXX did some research, as did I, and found out that nothing has changed regarding my taxes or homeowners insurance. There had been no tax increase at all. XXXX XXXX acknowledged that Quicken made an error and they were very sorry for the mistake. I advised {$400.00} a month was not an option, and they have put me and my family in a financial hardship. I inquired about refinancing my current loan ( conventional loan at 3.99 % ) to a lower interest and possibly getting rid of the PMI. XXXX XXXX advised if this could happen it would be at very little cost to no cost for me. I was then sent to someone to calculate if this could happen. They advised it would cost Quicken too much money, so that would n't be an option. XXXX XXXX then asked if I would be willing to do a loan modification. I told her only if it did n't effect my credit. She then determined it would effect my credit so that was not an option. XXXX XXXX was very sympathetic and apologized for their error. She then suggested they might be able to get the shortage of {$2800.00} spread out over an additional length of time, thus increasing my monthly mortgage to {$3100.00} instead of {$3300.00}. I advised the increase would still put me in a financial hardship and I would have never purchased this home if I knew the mortgage payment would be this high. My home was XXXX of the last homes ( XXXX total homes ) in my subdivision to be built, so the research and information was out there for Quicken Loans to give me the correct information. I understand if my taxes increased, then of course my mortgage would increase. However this increase is only due to the incompetence of Quicken Loans and their failure of due diligence.
Product: Mortgage

I refinanced my home with The XXXX XXXX Bank in XXXX in XXXX 2016. XXXX sent a cashiers check to LVNV Funding / Resurgent Capital Services to payoff a judgement filed against my deceased husband that became a real estate lien due to non-payment. After many telephone calls by myself and my banker, we received a letter dated XXXX XXXX, 2016 stating that the lien had been satisfied and the release of judgment will be filed. No such release has been received by XXXX XXXX as of this date. I feel that this release should have been taken care of many months ago. I am sure that my bank would have taken care of this in a matter of days, not over 6 months.The bank 's attorney sent a letter to LVNV / Resurgent Capital Services on XXXX XXXX, 2016 with no response. Your assistance in this matter will be appreciated. I wish all financial institutions treated customers as XXXX and XXXX XXXX XXXX Bank in Staunton does. They do it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX  ACC. NO. XXXX XXXX XXXX XXXX XXXX To : Equifax, XXXX, XXXX, CFPB, and XXXX  Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX To : Whom It May Concern, This letter serves as my third dispute regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX  ). Despite my two previous disputes to XXXX, I have yet to receive a satisfactory resolution. I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ), and the credit reporting agencies ( Equifax, XXXX, and XXXX ) for further review and corrective action under the Fair Credit Reporting Act ( FCRA ). Key Points of My Dispute 1. Failure to Address My Prior Disputes : XXXX XXXX XXXX XXXX has ignored my previous disputes and failed to provide substantive evidence to justify the reported late payment. Despite my detailed requests, XXXX continues to assert the reporting is accurate without providing the necessary proof of compliance with FCRA requirements. 2. Violation of CFPB and FCRA Regulations : Under FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure accuracy and respond to consumer disputes in a manner that includes proper investigation and evidence. XXXX has failed to provide proof of compliance with Regulation Z, specifically regarding the issuance of billing statements at least 21 days before the payment due date. 3. No Proof of Certified Mail Delivery : As required by 15 U.S. Code 1666b, XXXX must adopt reasonable procedures to ensure timely delivery of billing statements. I requested the certified tracking number or delivery proof for the periodic statement that allegedly informed me of the payment due on XX/XX/year>. XXXX admitted they do not use certified mail, which raises concerns about whether the statement was delivered at all. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Debt collection

My latest credit statement continues to show a debt from XXXX that is several years old of {$110.00}. I negotiated a settlement on the original bill of {$230.00}, that was incorrect, with a credit supervisor named " XXXX '' in XXXX of 2013. I sent the check - they lost it, I had to stop payment on it ( I have a copy of the bank stop payment order ) and sent another check by certified mail which they cashed. In the " for '' area of the check I put the account number and paid in full. However, XXXX has passed the balance onto XXXX or XXXX other debt collection companies. I am XXXX of this and have the letters to prove my claim that I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person, am aware of all my rights that I have, and which are protected by the Congress under the fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially on the XXXX5 U.S.C 1681. 15 USC 1681 section 602 A states I have the right to privacy, 16 U.S.C 1681 section 604 A Section 2 : it also states, a consumer reporting agency can not furnish a account without any written instructions.Thank you, XXXX XXXX