23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home?
Product: Credit reporting or other personal consumer reports

Specifically, I am invoking 15 U.S.C. 1681a and Section 605B of the FCRA, which require credit reporting agencies to ensure maximum accuracy and to investigate and resolve disputes regarding incorrect information. The following discrepancies demand immediate attention : 1. Account Status and Payment Status o XXXX  lists the account as " Open '' with a payment status of " Repossession. '' o Experian lists the account as " Closed '' with a payment status of " Repossession. '' o This inconsistency is misleading and demonstrates that the information provided is not accurate. 
2. Account Details and Activity Dates o Experian lists the " Date of Last Activity '' as XX/XX/XXXX, while XXXX provides a different date of XX/XX/XXXX. 
o Additionally, XXXX shows the account as verified on XX/XX/XXXX, yet Experian does not provide the same updated verification. 
3. Payment History o XXXX  reflects repeated " RF '' ( repossession ) status, while Experian reports different or incomplete payment history information. 
4. Balance Owed o Both bureaus report a balance of {$7800.00}. However, the creditor remarks provided by Experian indicate that the account balance may still include items such as merchandise taken back by the credit grantor, which is vague and unverifiable. 
Demands and Legal Considerations This negligence in ensuring accuracy and consistency constitutes a breach of my rights under the FCRA. Moreover, the failure to promptly address these inaccuracies has caused undue stress and harm to my character and reputation. Under 15 U.S.C. 1681b, you are also required to have permissible purpose and verifiable evidence to report or maintain this account. 
I demand that this account be deleted from my Experian credit report immediately. Failure to comply will leave me no choice but to escalate this matter further. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for defamation of character and statutory damages of {$1000.00} per violation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a police report stating clearly that an account with Bank Of American had been opened back in XXXX without my consent and is still showing on my XXXX XXXX report. I submitted this police report to XXXX XXXX and it is notated on the report by the police officer that this account was opened without my consent. XXXX XXXX  refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to XXXX XXXX in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of now I am irritated! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the buyer agreeing! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit detailing ( 1 ) The financial framework is reliant upon reasonable and exact credit announcing. Wrong credit reports straightforwardly debilitate the proficiency of the financial framework, and out of line credit revealing techniques sabotage the public certainty which is fundamental for the kept working of the banking system. ( 3 ) Consumer announcing organizations have accepted an essential part in collecting and assessing customer credit and other data on shoppers. The financial framework is reliant upon the reasonable and precision revealing of buyer organizations. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to purchasers like me. I have connected a few times whining about the off base things on my purchaser report. Well I am complete the process of whining. I request you eliminate these off base things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by revealing incorrect things.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXShe took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I do not owe any money to a that goes by the name L.J. Ross Associate it appeared on my credit report. Does not belong to me so please remove it ''. thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the late payments reported by XXXX XXXX Student Loan on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I believe these entries are in violation of federal laws, including my rights under 15 U.S.C. 1666b, and request the immediate removal of these late payment records.

1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, a creditor is required to consider the timely receipt of payments if they are made in accordance with the creditors reasonable requirements. However, the reporting of these late payments raises concerns about whether the proper procedures were followed, including the correct application and processing of my payments. If the creditor can not provide proof that these payments were indeed late and processed correctly, I request the immediate removal of these entries.

2. No Law Requires Transactions to Be Reported There is no federal law mandating that any specific transaction, including late payments, must be reported to credit bureaus. Reporting is voluntary, and as such, I believe that the inclusion of these late payments on my credit report is unnecessary and unjustified, especially in the absence of my explicit consent. 

XXXX. Violation of Privacy and Lack of Consent By reporting these late payments without my explicit consent, XXXX XXXX XXXX XXXX is violating my right to privacy. I have not authorized the sharing of this information with credit bureaus, and its presence on my credit report constitutes an overreach and infringement on my privacy rights.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an accounts that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigation and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be update to on time as they should be as i was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft my name was used to open a fraudulent bank loan. This loan is from XXXX XXXX XXXX which took place XX/XX/XXXX. The account number is XXXX. I have took legal action on this account and as of XX/XX/XXXX a judge has vacated this account. Im attaching my license & I will be attaching the Certificate of Deposition Of Judgement to this down below.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification used by the Consumer Financial Protection Bureau ( CFPB ) to determine the accuracy of the following accounts on my credit report : - XXXX XXXX XXXX - Charge Off - XXXX XXXX XXXX XXXX - Charge Off - XXXX  XXXX - Late Payments - XXXX XXXX XXXX XXXXXXXX  - Late Payments It is crucial for me to understand the process and criteria utilized to verify these accounts as accurate. This request is not a dispute but a formal demand for verification and reinvestigation of the aforementioned accounts. In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am requesting the following : 1. **Method of Verification : ** - A detailed explanation of the specific steps taken to verify the accuracy of these accounts. 
- The sources of information used during the verification process. 
- The criteria used to determine the accuracy of the information. 

2. **Verification Contacts : ** - The names and business addresses of each individual or entity with whom you verified the below information so that I may follow up.

3. **Credit Report Copy : ** - A copy of my credit report after your investigation and verification process is completed.

For your reference, the accounts in question were verified as follows : - **XXXX XXXX : ** Verified as reported. 
- XXXXXXXX XXXX XXXX XXXX XXXX ** Verified as reported. 
- XXXX XXXX XXXX XXXX ** Verified as reported. 
XXXX XXXX XXXX  XXXX XXXX XXXX ** Verified that the remaining disputed information was accurate as reported. Additional information has been provided from the original source regarding this item, with modifications to the following fields : scheduled payment, date of last payment, closed date, date of last activity/date of first delinquency, additional information, historical account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Code 1681e ( b ) maximum accuracy Unable to get the default resolution I need for inquiry
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, INC. ) due to inadequate Customer service in unfair practices, which violate Consumer Financial Protection Act. 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 process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two dispute letters to Transunion and they have failed to provide me with proper documentation or a description of the procedure used to determined the accuracy and completeness of the information in question. Transunion failed to provide me this information and I feel they never even tried to contact any of the accounts I presented.
Product: Debt collection

i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurate accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situation but would not help me correct these fraudulent an inaccurate accounts.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX agreed with XXXX XXXX XXXX that the charge off would be removed after payment of the debt as settle in full on date XX/XX/2023 this needs to be removed off the credit report per agreement.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX and similar prepaid giftcards and are defrauding consumers. These cards are advertised as being accepted anywhere XXXX ( XXXX, etc ) is accepted. However, this is false- many retailers reject these cards in spite of sufficient available funds. 

Today I tried to use a XXXX XXXX debit card to purchase at retailer XXXX. The card was repeatedly rejected. 

There is no option to register an address for the cardholder, so the cards can not be used for services where a zip code must be entered. 

These cards are being sold to consumers as universally accepted, when this is false and as a result the consumer purchasing this card is being defrauded of not only the gift card amount but the steep activation cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months now, via disputes with credit bureaus, emails to XXXX, and more... they have not only marked my payments as late for 8 of the months since there has been a moratorium on student loan payments, interest, and collections due to covid but also tacked interest on to the account! I'm already on the winning end of a class action suit against them for their failure to provide viable repayment options before this, but now, I'd love to start a new one over this. 

My credit score is PERFECT with the exception of the lies these people refuse to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.
Product: Checking or savings account

On XX/XX/22, my account was charged a {$25.00} maintenance fee by TD Bank. In XXXX, I maintained a balance over {$2500.00}. On XX/XX/22, my balance was {$3700.00}. On XXXX, I got an official check in the amount of {$1200.00} to pay my XXXX rent. Leaving me with a balance of {$2500.00}. On XX/XX/22, I was charged a maintenance fee of {$25.00}. I should NOT have been charged a {$25.00} maintenance fee because my account was not below {$2500.00}. It was {$2500.00}. I did not withdraw any additional money after I got my official check to pay my rent on XX/XX/22. In XXXX, I was charged a maintenance fee because my account fell below {$2500.00}. That was NOT the case in XXXX. I want the maintenance fee that they took in XXXX to be credited back to my account. My current account balance is {$2500.00}. It should be {$2500.00}. Thanks
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights as of XX/XX/2021 & have evidence. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Relatives have gotten phone calls from High Point Asset Inc saying that I used them as references which I never did and they are going to be held liable for payments. True I did have payday loans in the past that have been paid in full but some of the names they said were used as references is false.
Product: Credit reporting

All of my inquires with TransUnion were removed and the illegally added them back, without my knowledge. This violated my consumer protection rights.
Product: Credit card

Recently I applied for a new Capital One XXXX XXXX account, I was initially approved, then after a few days my new account was restricted and my existing Capital One XXXX account as well, the bank requested verification docs which I immediately submitted, after XXXX weeks I receive a letter that my new account was closed, in the meantime my existing account was still restricted and the rewards of that account in the amount of {$290.00} was frozen, meaning while the account was technically open Capital One wouldn't even allow me to redeem them, after following up on this account I was informed that my account was closed, I asked customer service as well as a supervisor to send me a check for the rewards that weren't redeemed and they said it can not be redeemed because of the status of my account, I am asking capital one to send me a check for the rewards amount of {$290.00}, I attached the last statement to show the remaining rewards balance at the time of their closing of my account
Product: Debt collection

I inquired about mobile cellular service with XXXX, they were unable to switch my cell phone service over from a previous XXXX. I never activated the service, in the mean time, they charged me for services that i don't have for the last 5 months. I contacted them every month in regards to this as they kept trying to charge my account for cellphone services which caused me to accrue fees thru my banking account. Now they have sent the amount that I don't owe to a collection company and this caused my credit score to go down and I am in the middle of trying to purchase a home.
Product: Credit reporting or other personal consumer reports

I am very concerned, because my credit report is showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have attached a completed FTC report for your review. Please remove all inaccurate information as you are in violation.