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

Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXXXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXXXXXX ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts :, 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 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I keep getting calls on my business phone from Focus Receivables. My business has absolutely no outstanding debt!
Product: Payday loan, title loan, or personal loan

I was never late for a payment my payment was due on the XXXX of every month so I was a day late this month XXXX 2023 payment was made XX/XX/2023 so I called days ago letting them know I was gon na be a day late so XXXX at the XXXX sc branch on XXXX XXXX told me Thursday it would be fine I also told her I wanted to renew my loan an so she said you'll need to pay XXXX Saturday that's with the interest so Saturday i noticed it said I need to pay XXXX so I went to the store spoke with XXXX I told him I'm having issues with the app it's saying my location wasn't on I couldn't get it on he couldn't either so he looked he said yes its saying XXXX a month so he called someone and next thing I know all of a sudden I'm a high risk customer he said I was late on payments I said not true I pay before the XXXX every month I was late this month one day late so he advised me to sign papers once we get through the app I did this my payment jumped to XXXX for no reason they did this to get more money from me I've paid these people off 3 times prior no problem the app said my payment is XXXX  monthly after XXXX made the call I'm all of a sudden high risk with no late payments but one even though the app wasn't working correctly they charged me XXXX for them to do a in-store renewal I will never do business with title max they are rip offs and not to be trusted
Product: Credit reporting

These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
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 100 % violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely 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 and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Hello this is my second complaint against Chase at this point. CHASE IS NOT listening to me about my dispute. I am not disputing this credit card, I know this is my account, I am disputing charges on this credit card that I did not make. Yes I have made payments on this account because this account is mine. I AM NOT disputing the account I am only disputing charges that were made without my consent. I am attaching the latest communication I received from Chase in this complaint. THEY ARE NOT DOING WHAT I ASKED AND THEY ARE NOT LISTENING TO ME. I need them to refund my money on the purchases I did not make. Please review this dispute again for the fraud charges on both my chase cards. I do not shop at XXXX I do not eat at XXXX, I do not use my phone to pay for things at XXXX. I did not make these purchase on my credit card. Please do another dispute investigation for these fraud charges.
Product: Credit card or prepaid card

From the first incident with them, they reduced my credit limit without communication at all. No mail, email, or XXXX XXXX drop off message ... Now they just closed my account without my knowledge ... That may cause an issue within my credit in midst of covid pandemic ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've never been late on my mortgage payment. My XX/XX/XXXX payment I paid {$2600.00} which was an extra {$50.00}, which they applied to principal. In XX/XX/XXXX there was an escrow adjustment and my payment of {$2600.00} was {$25.00} short, so they did not apply any of my payment, reporting me 30 days late. In XX/XX/XXXX I paid {$3000.00}, covering the {$25.00} short, plus their {$89.00} late fee. On my credit report it shows I was 30 days late. However my due date is XXXX and they reported me at the end of the month, which is not 30 days. In addition I asked them to considered I 've always paid on time, usually more than the payment, that it was {$25.00} short. I also asked if they could reapply the extra {$50.00} from XX/XX/XXXX to XX/XX/XXXX to cover escrow and then reapply my XX/XX/XXXX payment. They claim by law they can not do that, will not escalate my calls and frankly this is not a black and white issue. I 've talked to a number of financial institutions and DITECH has options to help me, I gave them an easy method to reapply payments, but they just choose not to do anything to help out a long time customer. They have a very rude customer service. My credit score which was well over 700 dropped by 50 points. I 've worked hard on my credit and I find this very unfair and any reasonable person would agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.
Product: Mortgage

Prior to my loan being sold from XXXX mortgage to NewRez mortgage, I agreed with XXXX to take the loan out of escrow. Somehow the fact that my loan was not escrowed was not communicated or acknowledged by NewRez. As a result, at year-end 2020, I paid my property taxes and then NewRez came behind me and paid again. They then reflected a negative escrow balance and indicated that I owed them for the property taxes they paid. After 6 months we are still working with the municipalities to try to get NewRez refunded. This latent escrow issue has hindered my ability to refinance in the current favorable interest rate environment causing me personal financial damage in the form of higher interest expense than I would be incurring if I were able to refinance.
Product: Credit card

In XXXX 2014 I applied and was accepted for a XXXX XXXX Premier Rewards Visa Signature Card. I chose this card amongst others solely because the benefit of " Bonus Award Nights '' given the tradeoff of having a Hard Pull on my credit history and a {$75.00} annual fee due on my XXXX statement. Without warning, 6 months later XXXX XXXX and US Bank have pulled a bait and switch by removing the " Bonus Award Nights '' feature from the card, essentially wasting my Hard Pull and {$75.00} Annual Fee. This is bad business and not fair to the consumers thus I expect a fair outcome for everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards XXXX XX/XX/XXXX I spoke again to a different representative to try to get this resolved.
Product: Mortgage

My fixed rate mortgage was transferred to Mr. Cooper last year after 30 years with XXXX XXXX. They are a terrible company. I paid my taxes, insurance, and escrow and my mortgage still went up. I called 4 different times over the month of XXXX and received 4 different responses. There own voice recording on XXXX states that their systems are experiencing issues and you may see incorrect information. 
1 ) The 1st agent in early XXXX stated she saw the escrow payment, however, their system had not caught up 2 ) second agent said payment would be updated 3 ) third agent told me my payment was actually going down by {$8.00} a month to {$970.00} 4 ) XXXX finally admitted that yes, everything was paid in full and the new amount of {$1000.00} was based on Mr. Coopers projection. 
This is purely a junk fee to boost their bottom line. I know a bit about this as I was the chair of a credit union and worked for a former banking commissioner. 
I have NEVER paid everything IN FULL and been faced with an increase in 30 years. I see that they have been sued for junk servicing fees before. I am a senior citizen on a fixed income. I paid the escrow and I want these fees reversed.
Product: Checking or savings account

On XXXX XXXX there were fraudulent charges made towards my debit card which my account is held by USAA. On XXXX XX/XX/2018 I attempted to log into my account to find that my account had been restricted due to possible fraud action. After speaking with a representative, they reversed the XXXX charges that were made on my card in California and Alabama ( I currently work in XXXX ) were reimbursed. I followed all instructions regarding canceling my debit, changing all personal information to include my passwords within the website. On XXXX XXXX my USAA credit card was then compromised, USAA assisted in facilitating the fraudster with accessing all my personal information regarding my account. This person was then allowed to access my account and change all my passwords, emails, phone numbers and so on. The person that got into my account was also then released the information to my external accounts allowing them the access to the basic information to my external account. They proceeded to transfer and over drawl my external account of {$5000.00}, since it was a safe account there were no red flags for this movement of money that wasnt event available. The person conducting this fraud mischief they paid my credit card then started making large purchases, now these purchases were being made when I was on the phone with representatives that told me that they seen the charges happening and were going to stop them, yet they were still processed. I had to take emergency leave to come home and try to rectify this situation and here I am on XXXX XX/XX/2018 with an account that is in the negative and due to the negligence and lack of work ethic I am unable to pay my bills or even purchase groceries for my family. I request that someone please follows up with my wife or I to provide further detail as we need assistance in getting this rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please correct and update.
Product: Mortgage

CMG Financial has been an extremely difficult to deal with since the inception of my loan. I wish I had never bought a house using this incompetent company as it has been the worst experience ever ; and has made me literally hate my house. Moreover, XXXX has repeatedly proven they do NOT know how to manage an escrow account correctly. 

Most recently, XXXX was provided with my forced placed flood insurance renewal documents and failed to pay the renewal causing my policy to be cancelled for non-payment. As the policy was cancelled for non-payment, the premium increased from {$660.00} to over $ XXXX year. I confirmed my insurance company mailed the documents directly to XXXX. 

I have reached out to XXXX on 4 occasions with Zero resolution to my questions and concerns. They have repeatedly ignored and " breezed over '' my questions as to why it was not paid and how they intend on reimbursing me for their negligence. They just tell me it's my responsibility to make sure they get them. I did make sure they got them and I provided the documents showing it was mailed to them, twice. 

I am tired of this company screwing up my escrow account and taking no responsibility for their actions and negligence. This company has no customer service as they have consistently proven they don't care about their customers. They should not be allowed to write loans for ANYONE in my opinion. No consumer deserves to be put through the constant frustration I have had to endure for more than two years having this loan with CMG Financial.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inconsistent reporting of the closed date for a XXXX account XXXX on my credit reports from XXXX and Experian. Both credit bureaus have verified this information as accurate, yet the closed date reported differs between the two, indicating a clear violation of the Fair Credit Reporting Act ( FCRA ).

The discrepancies in the closed date are misleading and undermine the accuracy and integrity of my credit reports. Specifically : FCRA Section 623 ( a ) ( 1 ) : Information provided to credit reporting agencies must be complete and accurate. Reporting different closed dates for the same account violates this requirement.

FCRA Section 605 ( a ) : Credit bureaus must not include information that is incomplete or misrepresents an account 's status.

FCRA Section 611 ( a ) ( 1 ) : Credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccuracies. 
Despite my prior disputes, both XXXX and Experian have failed to address this inconsistency or provide an explanation for the differing dates, continuing to report contradictory information as " verified. '' This failure to ensure consistency across credit bureaus has negatively impacted my credit profile and financial opportunities. 

I request that the CFPB investigate the following : Why XXXX and Experian have verified inconsistent closed dates for the same XXXX account. 
Whether XXXX has failed in its duty as a data furnisher to report accurate information to credit bureaus. 
Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
For your review, I am including the following documents : Copies of my credit reports from XXXX and Experian showing the inconsistent closed dates for the XXXX account. 
Any prior correspondence with XXXX, Experian, and XXXX regarding my disputes. 
I request your assistance in enforcing my rights under the FCRA and ensuring that my credit reports reflect only accurate and consistent information. The harm caused by this misleading reporting warrants immediate action and correction. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation proceeds.
Product: Credit reporting or other personal consumer reports

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Vystar credit union in XXXXXXXX XXXX at the XXXX XXXX XXXX tricked me into signing for an LOc on my former husband account They helped my husband steal money from both me and my children by allowing him to put for deposit only on checks and cash them including government checks. 

We were legally separated for the first time in the late 1980s. We had 2 more legal separations and finally a divorce.

Tge paperwork for thus account was signed in 198i8. They were told over and over again through the years I was not responsible for this debt. They refused to work with me or freeze the account they allowed him yo continue yo max it out every month. 
I thought they had closed the account but it showed on my credit report about 8 years ago because he always kept it at 99 percent. I fought them and it was removed from my credit report.

He died in XXXX it took several months to find me but they demanded a payment for the loan. When I refused a few days ago they charged it off and put it on my credit report.

My name was removed from thus account that the Loc was attached to many many years ago. I had zero access to the account however, they kept on the LOC without my consent. What I signed was an LoC yo a checking account that had my name onniy because they told I needed to. I was never informed that I would hadve zero control over it and that they were doing this so they could later XXXX me. This needs to come off my credit report immediately. 
This man was a dead beat dad, eho was a narcassistic mental abuser who screwed around on me the entire time we were married and ended up eventually marrying his beat friends wife and longterm affair in XXXX. I have put it with enough abuse from him. I do nor need these evil people who helped him steal at least {$20000.00} from XXXX continue this abuse. Like I said I finally took my daughter after I retired from the military and got away from this abuser at a very expensive cost. I refuse to pay anymore of this evil man 's devyts. I believe he is finally I'm hrll where he belongs. 
Vystar credit union was always his alley and helped him in ever way yo XXXX me. Please make them remove this charge off off my credit report.