23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My mortgage account with XXXX was brought to " Current '', PAID IN FULL and closed. Three letters confirming payment in full have been issued by XXXX, which have been sent to EXPERIAN by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to Experian twice. 
Experian is reporting as follows concerning the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act XXXX, my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Experian could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at Experian recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reach out several times to receive the same generic answer that the accounts has been verified and accurate how can they be when they are reporting inaccurate information. Under FCRA all information must be true and accurate if not it must be deleted from my credit file immediately and send me a updated version of my credit report. 

XXXX XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance ( XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance reporting ( XXXX XXXX XXXX XXXX ) is a charge off account which has been sold to a collection agency and reporting a credit limit on a closed credit card account
Product: Credit card or prepaid card

The problem with Paypal mastercard is obvious. I made a call to paypal and was told by the paypal fraud report that an amount incurred was going to be refunded as I did not authorize the amount charged. ( It was a payment made to an unknown company in XXXX XXXX California ) The charges occurred during times thT I had reported my card stolen and in days the card was already stated as voided. The replacement card took a long time to arrive. During that period of time, I am supposed to have made a payment. At arrival of the new card, I have been trying repeatedly to add the paypal new card to make the payment and paypal system refuses to add the card. That makes me to be late and unable to process the  payment. Therefore I am eaten in interest and late fee while is not my fault but the negligence of the company in not processing the card soon and their system not taken the card to add a payment. Please help. this has to be clarify. Thank you
Product: Vehicle loan or lease

This is with the company Westlake Portfolio management. I originally had a car purchase from American Car which i asked the person selling the car to see if it was a purchase and not a lease but later on I was told by Westlake it was a lease. Ok my original payments were {$240.00} biweekly up until XX/XX/2023 when they sent me a letter stating that hey could reduce my payments to {$190.00} biweekly. 

So, I signed the agreement and was making biweekly payments to them. My problem is that every time I made a payment that someone who call me and tell me that my account is so many days past due. And before I signed this agreement I made sure that the only amount I had to pay would be the {$190.00} biweekly and was told yes because I had already paid {$5200.00} and that the taxes were included in the biweekly payments of {$190.00}. But it showing on my credit report that i have late payments due to the fact that someone from Westlake and other collections agents are calling me and telling me that my account is overdue 30 or more days. From the start, I have been having numerous car problems with this car from severe oil leak to transmission problems and have informed Westlake about this and they informed me that they could not honor American Car previous contract so that i would have to pay for all the repairs out of pocket that needed to be done to the vehicle.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST TRUE ACCORD 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  Dear TRUE ACCORD, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Full complete and correct social security number to help identify me as the correct person you are trying to collect from XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

'm filing this compliance against Cash App ( Block Inc ) due to inadequate customer service and lack fair practices which violates the 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( XXXX ) reported on my credit report for my account XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/year> and XX/XX/year>. 

I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. 

Please respond to this request within XXXX  days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Credit card

Wells fargo furniture reported me late. I have made payments however they have discontinued my ability to make payments online. Every payment I made they returned.
Product: Checking or savings account

XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they had not received it XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they received my other deposit on XXXX and it was included in there which was {$2600.00}, which it was not I was shorted on my pay. Later I got proof from my job that the money was sent at XXXX XXXX  on XXXX, but Chime again said they did not have it. 
XXXX Contacted Chime thinking it needs to process, via email with the attached proof of the transaction and later Chime asked me to verify who I was. I sent my license photo and my social showing the last 4 numbers. Explaining to Chime that I am going through a divorce and my license and social are not the same due to Covid and not being able to change it and I am divorcing not changing my social to only change it back. 
XXXX Chime asked for more verification and I have had my checks with my married name go into this account for almost a year from more than one job. I sent a tax document from the IRS with my last 4 and my maiden name and my husband 's name from XXXX  taxes when we filed jointly. along with pay stubs from when my name changed, my latest pay stubs that went into this account, a photo of my Chime card, and a Screenshot of my balance in my accounts. I told them I have no other proof I can send please return the money again. They did send it back to my employer, but concerned they will hold my future pays now. I can file taxes with the IRS only with my maiden name cause my Social was not changed so when I opened the Chime account with my social security information I opened my account with the proper last name on my Social Security. I also name all the people that they have on file who I referred to Chime. When I spoke with someone I asked about me account and she was willing to close my account if I wanted easily but I sent you legal documents and you could not help me.
Product: Credit reporting or other personal consumer reports

I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Account name : XXXX Account XXXX XXXX Account name : Account name XXXX XXXX XXXXXXXX Account number XXXX Account name : Account name XXXX XXXX XXXX  Account number XXXX Account name : Account name XXXX XXXX  Account number XXXX Account name : Account name XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

I noticed mistakes on my credit report, including late payments that conflict with my usual record. Kindly address and correct them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion on XXXX disputing an account that was reporting in error. The account name is XXXX XXXX that is reporting errors on various platforms and TransUnion is reporting the information and has refused to fix the error. The errors are as follows : 1 ) It is reporting in collections 2 ) It is also reporting as past due 3 ) It is also reporting that payments are being made These inaccuracies are causing me financial harm I requested an investigation and they did not remove the account as requested due to the multitude of inaccuracies across various reporting platforms that they supply information to.

They are in violation of The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. They have failed to protect the integrity and privacy of my credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in my credit report and has failed to provide me with remedies if a credit reporting agency or information furnisher violates my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given XXXX  XXXX written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of XXXX XXXX reporting on " card utilization '' to 3rd party/non-affiliate credit agencies.
Product: Debt collection

I contacted Midland in an attempt to resolve the debt. They agreed to settle the inflated balance from roughly {$490.00} to {$300.00}. I started the arrangement with an initial payment of {$100.00}. Later when I went to make the next payment, they had no information on the arrangement we agreed on, and additionally the owned balance hadnt changed and 3 months later, the balance still hasnt changed. It should reflect a balance of {$200.00} or even at the least {$390.00} after my {$100.00} payment. After speaking with them they acknowledge the payment I made, but nothing about the settled amount agreed on. This is unethical collection practices which has hurt my credit substantially because I refuse to be taken advantage of by shady business.
Product: Credit reporting or other personal consumer reports

I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/year>XXXX  which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there.
Product: Checking or savings account

My boyfriend deposited a check into my account, his name was misspelled and chase held the check for a month now, we went to the physical bank with the XXXX and basically the check is technically cashed so they couldnt put a stop hold on the check, now theyve had the check and they arent doing nothing to fix my problem, I have all the photos and messages between him and his XXXX and he has all his paystubs of the exact amount the check was for, he also has deposits from the same company that wrote him the check, his name has XXXX letter misspelled, we tried contacting them everyday and they kept saying they need a phone number with the name so it can match, but no one has the same name as him his name is XXXX the check was written for XXXX missing the letter B, the check was for {$810.00}, they believe its fraud, we have all the proof to show its his check and he worked those hours, we tried to tell them to send the check back to the company but they said they cant it will go to the XXXX in XXXX months, I feel like they are holding his money for no reason and I would like to get this resolved as soon as possible I will provide his pay stubs and his address is on the paystub as well as all the proof that its his check he also has a chase account with them, and he thought there wouldnt be a problem because they could match his name no one on this earth has that name spelled like that, now they closed my account and everything is on hold, I went to the physical bank and they couldnt help me either, XXXX not sure what else too do, he told me that cfpb is the best choice to get this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts that appear on my credit report. These accounts contain inaccurate, unverifiable, and potentially fraudulent information. Furthermore, I have reason to believe that my personal data may have been compromised in a data breach, leading to unauthorized reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am demanding an immediate investigation and removal of these items from my credit file. 

The disputed accounts are as follows : 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 XXXXXXXX The FCRA mandates that all reported information be 100 % accurate, verifiable, and timely. If you can not provide documented proof that these accounts are valid, authorized, and accurately reported, they must be deleted immediately from my credit report. Additionally, if these accounts resulted from unauthorized access due to a data breach, this constitutes a violation of my rights and privacy.If these inaccurate accounts are not removed immediately, I will have no choice but to pursue legal action for violations of the FCRA and any other applicable consumer protection laws. I will also seek damages for the harm caused by these inaccurate and potentially fraudulent entries.I have attached copies of my identification and any relevant supporting documents for your review. As required by the FCRA, you have 30 days to complete your investigation and provide me with written confirmation of the removal of these accounts.Please direct all correspondence regarding this matter to my mailing address listed above. Failure to comply will leave me with no alternative but to escalate this matter legally.Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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: Debt collection

Comenity bank calls our number and asks if we are XXXX XXXX, who had this phone number before we had it. We have pressed the number to say we are not her but they still keep calling 3 times a day.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, an online user by the screen name of XXXX and I met online using XXXX XXXX nearby function. Soon he started romance scam and investment scam. 

On XX/XX/2022 at Chase Bank in New York wire transfer took place to XXXX XXXX in the amount of {$30000.00} as per request from XXXX, XXXX to his family account in XXXX XXXX XXXX 

Soon after he requested to wire transfer more money. When I refused, he is no longer reachable by XXXX app. 

I also filed a complaint with FTC. Files are attached. 

XXXX screen name : XXXX XXXX ID : XXXX XXXX name : English name : XXXX, XXXX Wire transferred to account name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX 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

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out to dispute the negative entries on my credit report. The accounts listed below are not associated with me and must be removed or blocked. 


Upon reviewing your requirements, I noticed you need documentation. I contacted my local law enforcement office, who advised me that they no longer handle such cases. Instead, they directed me to visit identitytheft.gov and file a report online. Additionally, I have informed my bank about this issue, and they are prepared to take action, but they require your assistance in the process. I am including these reports with my letter to support my claim. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

On XX/XX/XXXX, I received a response from Mohela stating that they refunded a payment of {$650.00} which caused my account to go past due by over {$1300.00}. This statement is misleading and is not accurate. Mohela has no record of a cashed check and once again is making false claims. 

At the end of XXXX to XX/XX/XXXX, I was forced to make XXXX payments on loans that were not due and Mohela kept the payments and did not properly apply them to my loans. My loans should be paid through XX/XX/XXXX. The XXXX payments should cover XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In place of applying the payments properly Mohela, held the payments, would not apply them and placed my accounts in a past due status. 

In addition, I submitted my PSLF form in XX/XX/XXXX that would forgive XXXX loans ( loan sequences XXXX, XXXX and XXXX ) and instead of applying the PSLF, Mohela, claimed that I had XXXX more payments due. Once I submitted proof that they manipulated the number of payments due, they claimed that my PSLF was missing data. So, I submitted a second one in XX/XX/XXXX, they claimed again that it was missing a signature. On XX/XX/XXXX, I submitted a third form which they have ignored and refused to apply. To date, this XXXX form has not been applied which would have forgiven XXXX ( loan sequence XXXX, XXXX and XXXX ). 

In their continued untruthful responses Moehla continues to point to loan sequence XXXX which was forgiven by the Biden Administration ( XXXX time forgiveness ) and not due to a PSLF form being submitted ( see attached ). 

Prior to my proving that this company has been manipulating loans to avoid having to forgive them, my loans were all current. When I began to fight them, they began removing payments and etc. in an attempt to make my account past due. 

I stand by the fact that my loans are not past due and my PSLF forms are correct and complete. This company should be held accountable for the intentional mishandling of loans and should have to correct all of their intentional mistakes. In addition, I believe that members of the company should serve jail time for fraud and for attempting to steal money from the public including the ones that are intentionally providing false information to the CFPB.