23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian is Reporting False and Misleading Credit information on my Credit Report I have reached out 2 to 3x in this matter Now this is and has been a violating code 15 U.S.C 1681. The Account in this matter is as Follows : * XXXX - this company is in Violation of section 807 and 15 U.S.C 1681 and Violation 15 U.S.C 1692E and Violation 15 U.S.C 1692F and 15 U.S.C 1692D and Violation of Regulation F 100.14 and Regulation F 1006.34. this account is now involved in litigation documents attached.
Product: Credit reporting or other personal consumer reports

My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to XXXX and Equifax ; XXXX and XXXX-reported to XXXX, Equifax, XXXX ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT. I FOUND SOME INACCURATE INFORMATION THAT IS A VIOLATION OF THE FCRA FROM TRANSUNION, XXXX AND XXXX. 

ADDRESSES THAT ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, GA XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE PHONE NUMBERS THAT DOES NOT BELONG TO ME- ( 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 THESE NUMBERS ARE NOT MINE SSN THAT ARE NOT MINE- XXXX XXXX XXXX PUBLIC RECORDS THAT ARE NOT MINE Record Type Chapter XXXX bankruptcy Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an equity loan through XXXX XXXX XXXX. Instead of renewing the equity loan, I elected to turn it in to a conventional mortgage loan instrument, at a fixed rate. Experian is still reporting it as a revolving account, instead of a real estate item, on their online website, which is erroneous. Numerous communications with Experian agents have failed to rectify the problem, with them insisting that it is a revolving item, since it is an active line of credit. XXXX XXXX cancelled that line of credit when I elected not to renew the original equity product.
Product: Credit card

On XX/XX/year> at XXXX XXXX XXXX I received an email from CareCredit, which I had to log in to view. My credit limit was slashed almost in half. I have only used the card once - to save my XXXX XXXX. I have never missed a payment or had a late payment. I have recently had a significant increase in my income. I have been paying down debt and was greatly improving my credit score. On the day my credit increased by over XXXX points they slash my limit to just {$20.00} shy of my balance owed. Its not even an expected number ( $ XXXX really?! ). I could not find out why it occurred or how I could appeal. It feels as if I am playing a losing game with credit card companies and the credit bureaus. Make a few steps forward and end up farther back than where you started. Consumers need better protections from this rigged system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started when my lease with Kia Motors on a Kia XXXX was about to be up back around XXXX of 2019. I returned the car and thought everything should be good to go. I had automatic payments on the entire time, and have never missed a payment with any account I have, outside of just KIA. When I called and asked them why my payments had not posted they assured me that they were undergoing a system upgrade and it might take a month, but I wouldn't be held liable for any late fees or extra costs. I thought we were good at that point. I called at least six more times to Kia over the course of two months seeming that the payments weren't posted and I saw late fees on my account, with a new balance that I owed, a number that was completely different than all my other payments. No one could give me any answers and they changed their tune at this point basically accusing me of not making the payments. I had my bank verify the payments and everything. Eventually I started getting mail from collections agencies and after months of nothing from Kia, they claimed I still had a balance on my account which is inaccurate, and at this point predatory. They have been harnessing me ever since. I recently tried to refinance my car loan and the derogatory remarks showed up that I never paid the bill and it was in collections. This was the most unprofessional, predatory, and downright shameful way to act from Kia. I would like the bill in collections removed from my credit immediately. We spoke over the period of four months and they were not able to verify any of my payments, how much I owed, or anything, due to their own system upgrade. I would also request the most recent hard pull on my credit for the car loan be removed as well seeming that it would have gone through if it weren't for Kia 's derogatory remarks. Once again, I have my every single payment in full and on time for every single one of my other accounts. This is completely out of character for me and is something I would never do!
Product: Debt collection

Back in XXXX of 2014 I sustained a XXXX injury and was taken to XXXX XXXX  at XXXX XXXX XXXX, XXXX FL XXXX. They stitched me up and presented me with a bill. At the time I was on hard financial times and very short on money. On XX/XX/2014 I personally visited the accounting/business office at this same location to make an offer of full and complete settlement for any and all charges due, in cash, that was accepted. I have a paid receipt signed by XXXX XXXX, Cashier at XXXX   XXXX  marked XXXX Bal Due in her handwriting. In turn XXXX XXXX has referred the ENTIRE AMOUNT out for collection multiple times. I have disputed this on my credit reports and had it removed multiple times. They have now sent it out again. After over 4 years of this nonsense I have had enough. 

What they have done constitutes Civil Theft. They took my money then came after me for the full amount. 

I will appreciate your kind assistance to resolve this matter. 

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

I received a letter from XXXX XXXX indicating that an account application had been submitted in my name and they require more information to open the account. This is a fraudulent application therefore I contacted XXXX right away to stop the application process. They confirmed that there was a hard credit check and that I would need to reach out to the bureaus to have it removed. The bureaus indicated that I needed to file a report with the FTC and CFPB to get the process started in getting this fraudulent hard credit inquiry removed from my credit files. I have attached the letter I received from XXXX to inform me of the account application that was when I discovered the fraud. What other steps can I take to avoid this in the future or to prosecute the person ( XXXX ) responsible?
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) and on XXXX its XX/XX/XXXX, if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account number XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Improper use of credit report, identity theft. Please delete following accounts.
XXXX XXXX XXXX 
Acct #XXXX XXXX XXXX
XXXX XXXX 
Acct # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. On XX/XX/2024, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account 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

I have made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. XXXX was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. XXXX different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of XXXX.
Product: Checking or savings account

I filed a dispute for the fraudulent charges on my Chime account for {$2000.00} I told them one of my phones and bag with id and some cards had been stolen when car got broken into. The denied my dispute right away and didn't even have time to check anything if they would have they could have seen it was fraudulent and the person was not me and I did not authorize anyone to use or make any transactions. Nor did I give my pin out. I asked numerous times for the info they used to determine this And they sent me just the list of my disputes that I had disputed that's it no reason or why they said no error occurred. I have since filed numerous rebuttals and almost immediately they send me a email saying it's been denied and that's there final decision that no error occurred when it in fact did because I didn't authorize any of the charges I disputed. I asked for information how the determined no error occurred numerous times and they never could give me a reason that would answer why I keep getting denied and also they said I gave my card pin out when I never said that they completely lied and none of the answers come close to the questions they asked me and what I answered I tried calling ane emailing them telling them that I never said any of that and they ignored me completely and wouldn't change it. I honestly just want the money that was Mine back they also say they talk to other financial institutions to determine outcome I also included one from my other bank that agreed with my and refunded my money that was done from unauthorized transactions on my accounts and told them it was crazy my other bank believed me and refunded my money but CHIME would not and it was not fair I'm out this money that been stolen. I just want them to do the right thing like XXXX did and give me my money back that I didn't authorize anyone to use or didn't give my pin out. CHIME KNOWS WHAT THEY ARE DOING AND THEY WONT EVEN GIVE ME ANSWER THAT MAKES SENSE HOW THEY DETERMINE NO ERROR OCCURED WHEN IT DID! IVE BEEN FILING REBUTTAL AFTER REBUTTAL FOR MONTHS AND ALMOST IMMEDIATELY AFTER I FILE THEY SEND EMAIL WITH NO REASON FOR THEM TO DENY MY DISPUTED TRANSACTIONS ALSMOT IMMEDIATELY AND ITS NOT OK!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies Equifax Alerts ( XXXX ) XXXX Equifax Consumer Fraud Division, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Account # XXXX Dear Sir or Madam & CFPB I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$11000.00}, and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX Lastly. 

Within four business days after receiving your request, the credit reporting company must block that information from your credit report.

Is this not the law? So why do you keep returning this account validated by the same company accused of fraud?

I ask the CFPB to use their enforcement authority to resolve this issue and do a thorough investigation into this matter.

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. 

Enclosures : passport, state issued ID, utility bill with current address and more proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to Equifax, XXXX and XXXX. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.
Product: Credit reporting or other personal consumer reports

The company violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) : Failed to conduct a reasonable investigation of disputed information after being notified of errors. 
15 U.S. Code 1681i ( a ) ( 6 ) : Did not provide results of the reinvestigation within the required XXXX time frame. 
15 U.S. Code 1681i ( a ) ( 7 ) : Failed to provide a description of the procedures used during the reinvestigation to determine the accuracy of the disputed information. 
15 U.S. Code 1681e ( b ) : Did not ensure maximum possible accuracy of the information in my credit report.

15 U.S. Code 1681i ( a ) ( 5 ) : Neglected to delete or modify unverifiable or inaccurate information identified during the dispute process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NEVER LATE ; INVALID ACCOUNT NUMBER SELF XXXX XXXX XXXX XXXX XXXX  XXXX NEVER LATE ; INVALID ACCOUNT NUMBER XXXX  XXXX Inquiry XX/XX/year> NOT MINE Employer XXXX-XXXX NOT MINES Despite notifying the company of these errors and submitting supporting documentation, no corrective action or adequate explanation was provided. The continued inclusion of inaccurate information is damaging and unlawful under the FCRA.
Product: Debt collection

XXXX credit says I owe them money and turned it over to a collector. I do not have a XXXX credit card nor did I ever sign up for one. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.
Product: Mortgage

I used J G Wentworth to refinance my homestead at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. They sent me payment instructions for my first payment, so I mailed it in early to make sure they got it. A week or two later they state that they have sold my paper to XXXX XXXX XXXX. I called Wentworth to find out what happens to my XX/XX/XXXX payment and they assured me that it would transfer with the mortgage. On XX/XX/XXXX, XXXX redraws the payment again for {$3500.00} which means I have paid XX/XX/XXXX twice. I called XXXX and they stated they did not have the XX/XX/XXXX payment transfer to them when the loan was sold. I called J G Wentworth and have not gotten a reply. 2 Calls and an email later, no answer. Please help! 

JG Wentworth was a nightmare to deal with on the whole process bty. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 proce 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 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: Debt collection

Received one notice of collection XX/XX/XXXX, called XX/XX/XXXX left message confining debt paid, call original creditor to confirm the same. XX/XX/XXXX received summons called attorneys office, they referred me to the collections office. Called collections office and creditors office, emailed original creditor they confirmed payment was made and the collections account would be recalled. However, on XX/XX/XXXX a new amount was entered to the reporting agencies. A new email was also sent on XX/XX/XXXX.
Product: Student loan

Sallie Mae originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. These deceptive practices are a reason the country falls further and further in debt. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying.