23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp, ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act, CFPA, specifically, CashApp 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

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a previous address listed on my credit report that do n't belong to me. The following previous address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix.

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help.

I have contacted TransUnion 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name.

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I came to the realization that XXXX XXXX had wrongfully reported a late payment for my auto loan. I had received a letter in the mail from them that no payment was due for the month of XXXX ( XX/XX/year> ). This is the only reason why I did not make a payment. My account standing had been excellent with no late payments. After speaking to one of their reps, I inquired as to why I had received that letter. They indicated that they did not have a record of any kind of notice like that. I then asked them why they did not contact me by phone to notify me that the payment was late and that they were set to report to the credit bureaus after XXXX  days. Their response was that they did not have my number on file. I told them that was unacceptable and requested for them to have the late payment reporting removed. After the outsourced/foreign representative spoke with a manager ( on a recorded line of course ), she indicated the late payment would be changed to a current status and to please wait XXXX to XXXX  days for their credit department to update. I told them I thought that was far too long. Since then, they were contacted by the bureaus regarding my dispute and indicated the late payment was in fact accurate. They have done nothing but waste my time and I have not been able to secure a desperately needed business loan due to this single recent late payment which cause my credit score to drop by over XXXX points. I have also emailed my request to the CEO XXXX XXXX along with their Chief Marketing Officer XXXX XXXX, and their CFO XXXX XXXX. No one appears to care and this has turned out to be one of the worst customer service experiences of my life. I regret doing business with XXXX XXXX and aside from making this story public, I am requesting any assistance possible in order to rectify this situation so I can get the funding that I need.
Product: Credit reporting or other personal consumer reports

I am not affiliated with the creditors listed, and these inquiries are not mine.
Product: Debt collection

I started receiving calls from a number I did not recognize, so I blocked them. They left 1 message, but it was very difficult to understand, so I deleted it. Then I just received a letter from USI Solutions , Inc. stating that I owe {$3900.00}. The date on the letter is XX/XX/XXXX. I took care of some debt I had years ago. I used XXXX XXXX XXXX to help me pay down my debt. It was paid in full back in XXXX. I haven't had any debt since. I don't even have any credit cards. After reading consumer complaints, I realized this could be a scam. I want to know what I can do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over thirty days and the creditor has updates the info nor has provided proof of documentation in regards to a late payment. They have nor supplied this info and they must delete the alleged payment on my credit report.

Under federal law, they had thirty days to complete the investigation and failing to do so the item must be deleted from the report as soon as possible.
Product: Mortgage

This complaint is in reference to our buyer 's Lender US Bank. We are in the process of selling our home and had an agreed closing date of XXXX/XXXX/2016. The buyer 's lender ( US Bank ) has been extremely difficult to communicate with and has not been forthcoming with requirements of the seller to close the transaction. We were just notified on XXXX/XXXX/2016 ( the day after the initial closing date ) that the lender is requiring repairs noted on the original Inspection in spite of what we ( the seller ) and the buyer agreed upon. We are being told it is due to the lender being overwhelmed with loan applications and not able to process them in a timely manner. The Inspection was performed on our property on XXXX/XXXX/2016 and we are just now hearing about the repairs being required one month later. Now the lender has extended the closing to XXXX/XXXX/2016 which places us in a bad position as we have already vacated the premises and moved into a rental. This is terrible banking practices on US Bank 's behalf. If they can not handle the magnitude of mortgage loan applications they are receiving, then they should have the decency to stop accepting applications until they can handle them instead of inconveniencing sellers for their lack of staff and the ability to close a transaction within a timely manner.
Product: Credit reporting or other personal consumer reports

AXXXX XXXX XXXXes REFUSE to remove the invalidated inaccurate us dept loans. 
Some charge offs and late payment history Ive sent more than 5 letters Made more than 6 complaints with the companies yet all I get that is accurate when its not. Ive filed a fraud alert/ my complaint from the ftc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a bankruptcy on my report. they have the data furnisher as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, which is false I have attached a letter from the bankruptcy court verifying and stating they do not verify/ validate information to the credit bureaus, reporting agencies, or third parties. Transunion is falsely stating this information on my report and have yet to remove this from my report.
Product: Prepaid card

I received a text from Wisely there were transactions from my account that I didn't authorize. See below. I submitted the claim to Wisely ADP Bank. They refuse to give me my money back. I have contacted them by mail and at XXXX. 
I had them reopen the claim to investigate further. I haven't heard from them on a resolution,. This is XXXX. 

Case XXXX for account ending in XXXX XX/XX/year> totaling {$1400.00} for the following transactions : Date Description Amount Disputed Amount XX/XX/year> XXXX XXXX XXXX {$19.00} {$19.00} XX/XX/year> XXXX XXXX XXXX {$190.00} {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

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.
Product: Debt collection

UNITED AUTO CREDIT XXXX number from a lawyer keeps calling me with threating messages ; everytime that I try to call back the person can not verify me. this debt has been discharged since XXXX - my uncle took over this car loan in XXXX and has been deceased for over a year. I would like for this company to stop reporting this old debt on my credit report as it is hurting my credit score. 
XX/XX/XXXX, XXXX Contact Number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank sold my account XXXX to a collection agency, who stated that they would reach out to lender to confirm agreement to pay and update account. 

The agreement was to pay {$350.00} which would settle account and would deem account balance settled in full. It has been my understanding with discussions with the collection agency that this was a " pay for delete '' although I never received confirmation.

This amount has been paid, as agreed.

The credit card company bank Synchrony, continues to report a " past due '' balance of {$100.00} in addition to collection/charge off status. Both of these descriptions are an unfair business practice intended only to undermine my credit rating. ( the company and/or collection agency initiates settlement ; I agree, they collect settlement but continue to report inaccurate information even though they have received {$350.00} as " payment in full. '' The credit agency states that Synchrony must update my credit file, Synchrony sends me back to the credit agency stating that at some point they will send payment confirmation and update my file.

Both, Synchrony Bank and the credit agency appear to participate in a joint unfair practice towards me, which involves ( a ) collecting legitimate debt the original lender is owed ( b ) abandoning any and call meaningful contact that would result in anything near-positive that reflects an update on the account and my credit file.

This complaint does not dispute the debt owed. However, it appears that the lender 's practice is malicious and unfair. They appear to be taking advantage, while purposely not reporting accurate information on this particular account, which has been resolved.

Synchrony Bank does not care, and has displayed an utter inconsideration towards customers who have made efforts to resolve their debt with them amicably ; they have sold debt to collection agencies at a discount, benefitting from writing off the debt " as losses ''. Furthermore, they have reported my debt in this case and others as still old, derogatory and anything that would resemble an effort on my part to demonstrate a reasonable resolution.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/year> 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.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of grave concern regarding the improper handling of my personal information by certain companies. In XXXX of 2023, I took the necessary steps to file an FTC Identity Theft report, seeking resolution and protection of my rights. Regrettably, the companies in question chose to disregard my rightful request. Despite numerous subsequent attempts, conveyed through multiple letters, urging them to cease the transmission of my non-public information to non-affiliated third-party entities such as the CRAs, their response has been unsatisfactory, citing their purported " lawful duty to report accurate information ''. 

This situation has left me deeply perplexed and disheartened. It is alarming to witness these corporations wield such considerable power over individuals ' personal information, all while exploiting it for their own financial gain. What is even more distressing is the lack of recourse or respect afforded to me as a federally protected consumer. The companies implicated in this matter are unequivocally violating my rights safeguarded under 15 USC 1681, pertaining to permissible purpose under the FCRA. 

As such, I, XXXX XXXX XXXX, exercising my rights as a federally protected consumer, hereby declare my immediate and indefinite opt-out from any and all authorizations, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . It is imperative that my wishes be acknowledged and adhered to without delay. 

Moreover, it is imperative to note that despite my diligent efforts, it has been eight months since the filing of the FTC report, and the implicated corporations persist in their improper usage of my credit file, blatantly disregarding my requests. 

I implore you to take swift and decisive action to rectify this egregious violation of my federally protected rights. Your prompt attention to this matter is greatly appreciated. 

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

When I investigated my credit report, I realized that some of the information was 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX XXXXA XXXX Date opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00}
Product: Credit reporting

I disputed the information on my credit report with the credit reporting bureau and the information was removed from my credit reports. But when I applied for an apartment the company Screening Reports INC. is performing a search and is reporting information removed from the credit report and none judgement cases to prospective landlords, and my applications for an apartment rental is coming back rejected. I have spoken with ( XXXX ) young lady that handles the depute and informed her that the information was not accurate and asked that it be removed from their system and she refused to do so, I explained to XXXX that no judgement was taken against me on either case. Both attempts to dispute this information with XXXX was unsuccessful ( she talks and you listen ).
Product: Credit reporting

Not updating info purchase XXXX car in last 3 years and every bank that the car dealer sent application to also pulled credit and they are charging my credit for every hit how is that fair to me plus stuff on my report from 20 years ago paid bills never updated
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

First and foremost, I believe there has been a mistake in this decision. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe measure. The sudden and permanent restriction of my account has taken me by surprise, as I have always strived to comply with all PayPal rules and regulations. 

In light of this, I kindly request that you thoroughly re-investigate my case. I am hopeful that upon closer examination, it will become evident that this limitation was placed in error. I value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my account has significantly impacted my ability to conduct financial transactions smoothly. 

I implore you to reconsider and, if possible, restore my account to its previous status. This would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal 's commitment to fair and just customer service. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of my case. I am eager to resolve this issue as soon as possible to resume using PayPal for my online financial needs. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

This is for a capital one credit card. Due to 60 days past due from be being hospitalized due to having XXXX. I have never been late prior to me being in the hospital XXXX  XX/XX/year> I asked Capital One as goodwill to reverse the 60 days late reporting and they refused even though I have not had any other late payments with them. this is no way to treat customers that were hospitalized but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 60 days late reporting
Product: Credit reporting or other personal consumer reports

** [ Your Name ] ** [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] **Consumer Financial Protection Bureau ( CFPB ) ** XXXX XXXX XXXX Washington XXXX XXXX XXXX **Re : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX XXXX # XXXX ( XX/XX/year> ) ** To Whom It May Concern, I am writing to dispute an inaccuracy in the reporting of late payments for my XXXX XXXX XXXX  account XXXX # XXXX ), specifically for the month of XX/XX/year>. According to the credit reports I have received from TransUnion, Experian, and Equifax, this account has been marked as " late '' for the referenced month, which is factually incorrect. 

I was not late on my XX/XX/year> payment, and I have previously requested documentation from the consumer reporting agencies proving that I was indeed late. However, to date, none of the agencies have provided such documentation to substantiate this claim. This failure to provide proper verification is in violation of the Fair Credit Reporting Act ( FCRA ), and it has resulted in inaccurate information being reported on my credit report. 

I demand that you update these late payments to " OK '' for XX/XX/year> and reverse the reported late payments immediately. 

If you fail to provide proper verification or to correct these inaccuracies, I will be forced to take legal action to protect my rights under the FCRA. 

Please take the following actions : 1. **Investigate and correct the inaccurate reporting** of the late payments for XX/XX/year> on my XXXX XXXX Bank account. 
2. **Update the payment status to " OK '' ** for the month of XX/XX/year>, reflecting that I was not late. 
3. **Provide a written response** confirming that the corrections have been made and include any supporting documentation regarding the investigation. 

Failure to resolve this matter promptly will leave me with no choice but to pursue further legal remedies. I expect this issue to be corrected without delay, as it is negatively impacting my credit score and financial well-being. 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had a truck fianced with Chase Bank and the vehicle was totaled in XX/XX/2018. I had full coverage insurance and also gap insurance on the vehicle. My insurance company paid most of the loan off but then I got late payments on the loan because they didn't tell me what to do about the gap insurance.. After getting the paper work to the gap insurance company they sent the money to Chase Bank and now the loan is a charge off on my credit reports and they won't take them off.. the company was paid for the vehicle