23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right. 
Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law. 

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.
Product: Debt collection

NBT BANK have been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; I have sent letters of me disputing this alleged debt and I have also sent them an affidavit of truth, debt validation, cease and desist.
Product: Vehicle loan or lease

I was involved in an accident which the vehicle loaned through XXXX XXXX was a total loss. XXXX XXXX as well as my self tried several occasions to resolve the matter. An attempt of mine with their insurance department that I thought resolved the matter was with XXXX, in which I signed a release for the vehicle to go to XXXX XXXX. Previously, the vehicle was picked up from XXXX XXXX lot illegally due to pending case. Until recently, I thought the issue was resolved until I attempted to buy a house and found out I was not only being charged for a wrecked vehicle but, per XXXX XXXX, XXXX XXXX received payment for vehicle over a year ago. As of today, they refuse to offer the power of attorney needed so the car can be paid for by the insurance but offered a settlement amount of {$2200.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's proceeding the account is accurate, without providing any evidence of a XXXX investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX recently and I have not received any results. I have never authorized nor obtained any credit with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I sent a wire transfer from my bank to a receipient in XXXX to purchase products but the receeipent said they never received the funds. I called my bank several times requesting to get my money back but I was told to contact the receipient. the receipent is allways saying they never got the money and my bank is saying to contact the receipient. I allways thought money transfer is a safe way to send money but not in this case Please help me get my {$550.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 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

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Money transfer, virtual currency, or money service

I was scammed using XXXX to pay for a product that seller never intended to send. My bank PNC refuses to reimburse me. I have no other recourse.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Portfolio Recovery Associates Address : XXXX XXXX XXXX XXXX, VA XXXX Account # : XXXX Dear who XXXX concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the XXXX. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Checking or savings account

XX/XX/year> my direct deposit was suppose to go into my account never did. XX/XX/year> was told by CS that it would be in there by the end of day never happened. XX/XX/year> was told by bank employee it would be in by XXXX it's currently XXXX ; XXXX XXXX. Nothing in my account. Received late fees from bills that were not paid today because my money was not in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not been removed.
Product: Credit reporting or other personal consumer reports

Equifax continues to play games with access to their website for me. I am unable to login or access my crucial financial information they keep from me. When asked directly or through a previous CFPB complaint they say it's accessible, and give steps to resolve. These steps do not resolve, so anything Equifax shares is a lie. I've wasted too much time on this issue and Equifax admits it's a problem, but doesn't resolve. 

Last complaint, they didn't even address this ongoing issue of NO ACCESS/ SUCCESSFUL LOGIN to Equifax.com
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX and XXXX ( XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Debt collection

I moved out of my apartment in XX/XX/2018 and canceled the XXXX   by XXXX  water delivery service. However now the company claims I have an unpaid debt of {$80.00} because I haven't pay my monthly dues since XX/XX/2018. Associated Credit Services, Inc kept on calling me and despite my telling them that the debt is not valid.
Product: Debt collection

Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX FL, XXXX ) wrote a letter to me indicating that they are collecting a debt on behalf of XXXX XXXX XXXX in the amount of {$330.00}. XXXX XXXX XXXX is an apartment complex based in XXXX XXXX, Texas. 

I called Hunter Warfield and asked what info do they have linking me to this account to which they supplied my Name, Date of Birth, and Social Security Number which is off by a digit from mine. Therefore, this fradulent charge is not related to me. However, they still proceeded to report this to the 3 credit Bureaus, which has negatively affected my score. 

I relayed to Hunter Warfield that this is fraud as I have only resided in California. I filed and supplied Hunter Warfield with 1. a police report from XXXX Police Department indicating that this is Fraud 2. a copy of my Driver 's License. 

Right now, Hunter Warfield is insisting that I need to supply more information to remove this from my file. Please assist to help me fix this fraudulent claim. 

Further, Hunter Warfield should validate all information before claiming to collect a debt that is not assigned to me.
Product: Credit card or prepaid card

As a student, I got myself a collateral-secured card from Bank of America XXXX But I canceled the card and the agent said the collateral of XXXX  will be returned after deduction of remaining credit. But only XXXX usd was deposited into my account. And no one can explain what happened to the remaining XXXX usd.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent letters to each bureau. I have not received a response yet. I feel like I'm being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2023 XXXX XXXX  XXXX charged my card for {$500.00} which is an unauthorized transaction. I have contacted my bank on XX/XX/2023 because that {$500.00} was for the remaining amount of my Rent & Utilities. Were now in XXXX and I need the money back. I have faxed them proof supporting my dispute with Bank Of America for the {$500.00}.
Product: Checking or savings account

Fraudulent accounts were opened using identity theft. One at Ally Bank and the other at XXXX XXXX XXXX I received a notification because the identify thief used my email address for the account. 

I called both banks where the accounts were opened. In both cases they refused to close the account and stated they would " restrict the account ''. 

They refused to provide me with details with exactly how a restricted account was secure or more secure than a closed account, refused to close the account because " I didn't open the account so I was not a customer of theirs, '' refused to provide me with a timeline of when the account would be closed. 

They only stated that they needed to conduct an investigation before any action would be done. When I asked for an estimated timeline for the investigation to be concluded they refused to answer. When I asked if I would be updated on the status of the account, they refuse " because I was not a customer. '' They claimed to " secure and restrict '' the account, but when I challenged them on the fact that they could not even secure the account from being fraudulently opened, how could they ensure restrictions of further fraud such as the opening of another account? Ally hung up on me without answering the question, XXXX XXXX XXXX refused to answer the question. 

My issue is these online banks are a hot bed for virtual identity theft to transition to actual theft. It is already alarming to deal with chasing down these fraudulent accounts and double checking if any money was stolen, but to then be denied the closure of a potential risk of future fraud perpetuates the nightmare to a daily basis of constant calls and monitoring. These online banks already seem to have less security in terms of opening and verifying an account than a traditional bank. Refusing to close a fraudulent account only exacerbates the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a washing machine from Lowe 's during the summer of 2019. Unfortunately, the delivery driver did not have the proper insurance and the building refused the delivery. The washing machine was returned to Lowe 's. Rather than credit my account for the returned appliance, Lowe 's decided to issue me a gift card in the amount of the value of the returned washing machine. When I called the credit card company to inform them that I had never received the gift card, they told me that they would open an investigation. So far, the original purchase amount of {$1100.00} plus interest and fees is being reported to credit bureaus. I am shown as being delinquent in payments. 

Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent your company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX, and the Office of the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt no apply for frost bank account and i have the dispute open with XXXX  and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my XXXX report .... the dispute in question is frost bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! I 've seen were cfpb XXXX XXXX time XXXX I 'm having the same problem with a smaller carlot in Florida. XXXX XXXX XXXX doing business as XXXX XXXX XXXX. XXXX XXXX XXXX has violated the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting on my credit that a reposed truck account is still open as of today and it states I 'm over XXXX late. This is a violation of the FCRA. If you read attached documents you will see XXXX XXXX XXXX has resold the truck to someone else who is making payments and XXXX XXXX is the lien holder. I also uploaded a copy of my insurance from XXXX showing the same company was my lien holder. I know it 's a volation of the FCRA for a company to be doing this. Equifax has also not done a real investigation on this matter. I keep uploading proff and Equifax keep allowing XXXX XXXX XXXX to keep in accurate information on my credit report, Which is a major violation for the FCRA. At this point I 'm going to look into legal counsel Against Both Equifax and XXXX XXXX XXXX.
Product: Checking or savings account

I deposited a cashier 's check for XXXX in an ATM at XXXX XXXX XXXX, XXXX XXXX, MO XXXX as the branch was not open. This check was proceeds from a cash out mortgage refinance to pay off a car loan. First, the title company sent the check to the wrong address. Second, when I put the check into the ATM, I received a receipt that said they could not deposit the check and the check was not given back. I was given a receipt saying call XXXX. I have been calling for a week now and they say it will take 10 business days to deposit this check. In the mean time US Bank is charging me interest on the mortgage loan I took out. I have called at least 5 times and they can not even tell me if they have the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the CFPB pertaining to this issue about 2x already and this is going on the third month in which, after this I will reach out to the attorney general and look to pursue legal counsel against XXXX and Transunion. They are solicitating information against my email in which the debt that is listed on my credit report in which there is no $ owed the account under XXXX XXXX is not even under their management. My information was sold and this account was given to XXXX XXXX XXXX XXXX with my consent or permission and there is no debt owed. Therefore, this company illegally gave along my information to XXXX in which no debt is owed as pertaining to this document and XXXX  is on my credit report in which they according to the document " we do not have access to the current owner 's account information, and therefore the above information may not reflect the current status of the debt, which is no longer owned by XXXX XXXX ''. Therefore, these two credit bureaus transunion and XXXX are holding information that they are reporting verified as accurate aganist my will which is incorrect! I need this fixed ASAP! as this violated 15 USC Code 1681 ( a ) ( 2 ) ( B ), the Truth in Lending Act 15 USC 1602 ( g ), and 15 US Code 1692 ( a ) ( b ).
Product: Debt collection

I was behind on my credit card payments and couldn't make any payments of any kind. I was told by and gotten written letters from my other credit card companies they must by law do a charge off after 6 months this is the only card that didn't, and they kept charging me interest and late fees for over a year without charging this account off but instead kept it open to pile on the fees now they sold this off to another company for the higher amount then I owe. And I can't get into my account on the website to get statements of any kind they took it off. I even have a check from the credit card company I never cashed in the amount {$53.00} that should have gone towards my balance since I never got to cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explained to XXXX through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither XXXX nor XXXX XXXX XXXX, Debt Co LLC, and XXXX XXXX which all identify as charge-off accounts. XXXX was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.