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

So I opened a synchrony XXXX credit card account as a way to build my credit. My check is deposited to my cash app account every week on Thursday and I had set up automatic payments. I would see the payment amount come out of my balance from cash app for the credit card payment and then Id get an email saying the funds were returned to my bank but Id never see the funds in my account. This kept happening. I called synchrony and the lady explained things to me said it occurred because of insufficient funds so I told her I saw the funds come from my account but not come back to my account as stated. I thought it was XXXX fault. She added my account and routing information for the payment and we figured out a way to make sure there was funds and I provided proof that there was the next time it happened. They were suppose to mail me a check for {$130.00} to repay me and I tried to pay off the remaining {$14.00} debt to the credit card. But again funds were taken and sent back without showing up in my account. I told them I wanted to close the account. 

I got mail offering me a XXXX XXXXXXXX card and signed up for it cause now my credit is worse than I had started off with. Im still trying to fix it. I got approved and again I make the payment. The funds come from my account and I get an email saying it was returned but the funds are actually in my balance. I call my employer and request my direct deposit be transferred from cash app to XXXX. It finally went through and yesterday I got paid via XXXX and I spoke with XXXX XXXXXXXX and paid off the full balance with no issues. And I am fixing to call the XXXX credit card to pay off the {$14.00} and inquire about the check Im suppose to receive. 

I also have had many times that Ive ordered something from XXXX the funds come from my account and I receive a delivery date the item is shipped and then the item gets held but I never received the funds back to my cash app balance. So Im guessing this is also on behalf of cash app. Im going to shut down my cash app account completely and just in case anyone else is having these same issues I wanted to make a report. Because as a live in caregiver with XXXX kids I dont earn a lot of income and cant afford to have my funds stolen from me constantly. And now the repairs I have to make to my credit are ridiculous and not my fault.
Product: Mortgage

We have purchased a new home. We still are paying the mortgage on our previous ( first ) home. We are trying to owner-finance a sale of the first house. However, the title company asked we receive a letter of permission from the lein holder, Carrington Mortgage. On XX/XX/XXXX, I contacted them by phone to ask for this letter. They sounded confused as to what I was asking. They asked that I fax a letter requesting the permission to their Research department. I had my agent fax that letter the same day, XX/XX/XXXX. 

I phoned back on XX/XX/XXXX and the representative claimed that the fax receipt was not in the system, and if it is not there, they can not help with any further information. When I asked whether she could contact the department and verify, I was told she has no way to contact them, and I should wait until the 20 - 30 allotted business days were up. 

We have yet to receive any information or response to the letter or phone calls. As of last week, XX/XX/XXXX, their customer support system was having technical difficulties and the office was closed.
Product: Credit card or prepaid card

I just asked them to unlock my debit and their refusing to. They have been combative for a week.
Product: Credit reporting or other personal consumer reports

RNN Group responded that my file was closed XXXX XXXXXX/XX/23. XXXX XXXXXX/XX/23, my HR rep. reached out to me that the RNN Group has in fact continued to send numerous emails bordering on spam due to the sheer amount sent. They stated my file was closed and yet continue to send emails. Which means they have violated their own response to this issue. I have attached their response to this new complaint. I will continue to document this issue and my HR rep. will continue to assist by providing me proof they are still in contact even though they have stated, in writing, that the file was closed.
Product: Credit card or prepaid card

I purchased furniture at XXXX XXXX on XXXX/XXXX/XXXX and used their promotional offer of no interest paid during the XXXX moth period I was offered. I enrolled in auto pay so that it would be paid off on time based on the calculations the store and credit company gave me. Fast forward that time frame and synchrony, the credit card company charged me up front all the interest not paid due to my account still having a balance by the end of the 24th months, I of course was very upset at them and rightfully so because they gave me the dollar amount to pay monthly so it would be paid off in full which apparently it wasn't enough so on XX/XX/XXXX they added all the interest not paid as a due balance and even though I didn't agree with it I continued making the auto pay to now pay off the interest owed during that time frame, well fast forward to XX/XX/XXXX and I noticed that they are now charging interest as if this is a new PURCHASE eveey month they charge interest on TOP of the accelerated interest they had already charged me!! At this rate it will never be paid off!!! they are applying a very minimum amount towards the balance and I'm nowhere near paying off the original interest due to this blatant fraud. Please see attached statement where their statement of how interest is charged at the end of promotional period is extremely misleading. I have been paying under the impression that I'm just paying the interest owed from the date of purchase UNTIL the end of the promotional period. NOT that the company would charge interest on TOP of interest already owed. This is NOT a purchase balance now it is ONLY the interest accrued during the promotional period and until it ended. This is clearly a fraud being committed by this company and abusing consumers by misleading and fraudulent charging clients. I purchased a bed set for my daughter, should have been about XXXX it is now costing me over XXXX based on this fraudulent activities allowed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to express my utmost disappointment and anger regarding the illegal practices of the credit bureaus. As per 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 # Acct # XXXX -tracking # XXXX XXXX XXXX -ACCT # XXXXXXXX tracking # XXXX XXXX XXXX XXXX  -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX ACCT # XXXX tracking # XXXX XXXX XXXXXXXX -ACCT # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXXXXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX # XXXX have all infringed upon my rights. 

I want to highlight the following sections of the 15 U.S.C 1681 Act that the credit bureaus have violated : Section 602 A states that I have the right to privacy. 
Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Section 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Section 1681s-2 ( A ) ( 1 ) states that 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. 
I have attached proof of the letters I have sent out to the bureaus for your records. 

I would like to request that you take immediate action to rectify this situation and ensure that my rights as a consumer are protected. I trust that you will take the necessary steps to address this matter in a timely and efficient manner. 

Thank you for your attention to this matter.
Product: Credit card

" I am a small business credit cardholder with Goldman Sachs Bank. Despite repeated attempts to update my mailing address to receive monthly statements via USPS Mail, the bank has refused to make the necessary changes. Consequently, I have incurred multiple late fees, which the bank has also declined to remove. '' My updated mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX    XXXX   XXXX   #  XXXX  Never  don  business with this company error please delete.    XXXX   XXXX   XXXX  #  XXXX  This was discharged in Bankruptcy and is listed wrong please delete.    XXXX   XXXX  #  XXXX  This account was paid and is listed wrong error please delete.    XXXX  #  XXXX  This account was  discharged  in Bankruptcy error please delete.    XXXX   XXXX  BANK #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    XXXX   XXXX   XXXX   XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    XXXX   XXXX  #  XXXX  This account was never verified please delete.
Product: Credit card

Someone I used to live with I believe gave my information to their significant other to obtain credit cards in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX when applying for mortgage loan Credit Bureau report showed in XXXX that an account with XXXX from XXXX had not paid off. This account was sold to XXXX XXXX for the amount due for {$270.00}. This account was paid off in full to XXXX XXXX on XXXX XXXX. I have evidence of amount paid from my account at XXXX XXXX XXXX. I have notified through phone calls to both XXXX and XXXX XXXX of inaccuracy of report on XXXX asking for resolution of inaccuracy. Filed fraud and dispution of report on XXXX. This has had a negative effect on my credit scores and needs to be addressed and resolved.
Product: Mortgage

I have been working with NACA since XXXX of XXXX as part of their home buying program. I have given them total visibility to my entire financial history. They have pulled credit reports, employment history, mortgage history and household history. They have received tax returns, bank statements, credit card statements, voter registration, social security cars, drivers license, student loan info and the lists goes on and on ... This organization has done nothing to assist me in the home buying process. I have been through underwriting multiple times only to be given unreasonable conditions or flat out denied. On yesterday XX/XX/XXXX, I was told that because my previous mortgage was not paid on or before the due date I do not qualify for their program. My mortgage was never reported late because according to the law I have 30 days to pay which keeps it in a current status. This means it is not delinquent. My credit report shows 7 years of no late payments. After months of back and forth with NACA and me paying off thousands of dollars of debt they are still denying me because they see on the required mortgage statement that my payment was not mad on or before the 1st of each month. 
I feel like this organization is purposely making it difficult for me to purchase a home using the benefits they offer and advertise. It may be my XXXX  or XXXX, it could be my job title or it could be the area in which I desire to live. One thing for certain it is not because I don't meet the general program qualifications. I have worked to provide all that they have asked for as a participant to prove that I can sustain a mortgage.
Product: Mortgage

I was approved for a loan modification in XXXX and made XXXX trial payments on my Mortgage and also sent the final CERTIFIED modification agreement to XXXX via mail in due time, but XXXX has denied receving the fee agreement and they are not willing to help me any further on this. 

I read on XXXX that they have done this with various people and this is how they foreclose on people who have high equity on their mortgage.
Product: Credit card or prepaid card

I've completely the steps to permanently remove myself from the prepaid and pre-approved credit card offers and other scam mail. NetSpend sent me a pre-paid debit card on XX/XX/19 in violation of the do not mail registry.
Product: Debt collection

I requested an explanation of the debt and the company sent a copy of a promissory note from another creditor from 2003. Based on this information alone, the debt is past the statute of limitations in Washington state. A proper explanation of the debt includes payments made, amount due, date of last payment, and other relevant data to show the loan the collection agency is trying to collect is a valid debt, under the FCRA. Until National Enterprise Systems can show the valid debt, it should immediately remove the Collection Account from the XXXX credit bureau.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my account with XXXX XXXX XXXX XXXX that was not reporting accurately. I had one late payment on this account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. This account has not been late on any payments, and I've attached a copy of my report to this complaint on the following date of XX/XX/24. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment on XX/XX/24, If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

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
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry. Its not even my name. 
XXXX XXXX XXXX XXXX XXXX, 2025
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXXXXXX "
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX  XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX, XXXX  ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX  XXXX ( accnt #  XXXX ), XXXX XXXX XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX , XXXX XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

In early XXXX ( when I was preparing to purchase a home ) I discovered there was a XXXX Bank Credit card reporting to my credit as delinquent. I 've never had a XXXX Bank Credit Card. I hired an advocate to help me to dispute the account on my credit as fraudulent. They showed the account was opened in XXXX, citing an old address in XXXX, XXXX, as the location the applicant had used to apply for the XXXX credit card. In XXXX, I resided in XXXX ( I was XXXX, XXXX, and have papers to support this ) so I used an address in XXXX for all services. My advocate challenged XXXX Bank to provide us proof in the form of the original application with a signature on it. XXXX Bank did not respond until XX/XX/XXXX ( dispute was filed in XX/XX/XXXX, so more than 90 days had elapsed ) to tell me that they 've assigned the account to Midland Funding Collection Agency. They 've still not provided me with proof that the debt is mine. All three credit bureaus now show Midland funding attempting to collect for the credit one account as well. I 've informed Midland funding that I feel the original credit card they 're trying to collect on is fraudulent, but they have not responded other than to send me collection letters trying to get me to pay on the account. Credit bureaus have been no help - they merely notate the accounts as " in dispute '' and claim it was resolved, but it was not. I still have n't received a signed application.
Product: Mortgage

Escrow decreased by {$3000.00} in 2023. The mortgage company is using the escrow of the monthly old hazard insurance company {$880.00} versus the escrow of the new monthly hazard insurance company {$650.00}, therefore increasing the monthly mortgage payment incorrectly and not counting the payments that have been made and cleared account, because they say that the payment is not enough, which the payment that they are speaking of is incorrect, {$3000.00} vs {$2800.00} $ XXXX {$850.00} is {$230.00} which is incorrect. 
I have contacted this company for the last year ongoing to prove this information and they keep giving me wrong information. My checks are being held and not cleared my account due to their error. 
I just found out today they have put house in foreclosure over wrong information.