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

Regarding this closed compaint. XXXX about TRANSUNION 1 ) Tried to submit feedback via the link provided on your site and can not load the page. Page doesnt work and times out loading the submit feedback page <<< 2 ) Transunion responded they remove records from a credit report greater than 10 years of being reported closed, even for accounts in good standing. As such some of my accounts that were greater than 30 + years old were removed from my history, thus removing any evidence of my long standing good credit history. As such my oldest age possible account according to Transunion reporting practices is now limited to 10 years. FICO uses ones oldest accounts along with newest accounts to calculate an overall average credit age and a longest standing account age where both factor into your overall Average age of accounts that makes up of 15 % of a FICO score. This is an unfair reporting practice, particularly obvious for someone in my situation, because I used no credit during the last ten years. A competing credit reporting agency still has my credit historical records listed and my scores are much better. So either FICO should change their scoring models to be more adequate to consumers or Transunion should not be allowed to change your average age calculations by removing older, in good standing credit records from your history
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 602 states I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer report reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on my credit card account under a open end consumer credit card plan as late for any purpose
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I 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 and personal information vulnerable and unprotected. Furthermore, their financial services platform 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

The total payment was {$1200.00} and it was split up into 6 payments of {$200.00} on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 I have already contacted my financial institution as this is an illegal attempt to collect a debt that already was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$860.00} XXXX XXXX {$0.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX   XXXX {$2000.00XXXX XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$95.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX  : XXXX / XXXX Reason : I would like to be provided proof that I consented to these accounts via FCRA Section 623 as the accuracy of this inquiry. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my credit report. It is my understanding that you will recheck these items with the creditors who posted them. Please send an updated copy of my credit report to the above address.

Remove Collection account ( s ) from my report due to violation of 15 USC XXXX ( XXXX ) ( B ).
Product: Vehicle loan or lease

This letter was prepared and mailed to XXXX XXXX XXXX XXXX : Payment Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. 

This is the first of two letters mailed to them requesting documentation that justifies the need for two new tires which their own independent inspection supposedly identified, and also the receipts to justify changing them and proof that tires were purchased. ( Please see attached documentation with both letters, check that was submitted for end of lease and proof the check was cashed and accepted for the portion of the bill that I am not disputing ) To Whom It May Concern, XXXX XX/XX/year> I have made several attempts to navigate the complexities of XXXX XXXX XXXX without success. As a Chase customer for over 25 years, I am deeply disappointed by the level of customer service and the disdain exhibited by your customer-facing employees. 
Upon receiving a letter dated XX/XX/year>, I contacted the customer service number provided. I expressed my concerns that the letter was incomplete, as it did not include the inspection ordered by someone other than myself, nor did it provide a receipt to substantiate the purchase of two tires, totaling {$970.00}. During my initial call on XX/XX/XXXX and subsequent calls on XX/XX/XXXX and XX/XX/XXXX, I spoke with XXXX, XXXX, XXXX, and XXXX. XXXX identified herself as a supervisor, yet her behavior reflected poorly on your organization. I received a follow-up correspondence dated XX/XX/year>, which was identical to the previous one, still lacking the necessary report to illustrate a need to replace tires and no receipt substantiating the purchase of replacement tires. 
When requesting to speak with a supervisor above XXXX, I was informed it would take three days, and if I missed the call, I would have to start the process again. Unfortunately, this did occur, and when I missed the call and received a voicemail, I called back immediately, but the supervisor was once again not available. This reflects a significant failure in customer service. Furthermore, despite a deadline of XX/XX/year>, to submit payment, cach attempt I made to resolve the issue was met with a refusal to extend the deadline, hindering the resolution process.

Given the inability of your representatives to effectively communicate and provide the required documentation, I am only able to submit payment for the Disposition ( tum-in ) fee of {$490.00}. However, I am more than willing to submit the full payment once I receive sufficient documentation to justify the additional charges, as I have faithfully done as a Chase customer for the past 25 years. 
I do not appreciate the bullying tactics of your customer service representatives and highly recommend using this opportunity to reinforce your organizational values with them. 
Needless to say, I would never lease a vehicle again with XXXX XXXX. 

This company has ignored constant calls and written correspondence and has since turned this account over to a collection agency thats damaging my other wise outstanding credit that averages XXXX points but is now XXXX points.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that there were many inaccurate accounts on my credit reports 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 Based on other information ' l just received from US Department of education my XXXX has been placed on good standing and has been removed on defaults upon all these my reports has not changed but my scores is getting worst of which l cant explained ls really frustrating Consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i contacted Experian couple of months ago and asked them to investigate and removed all these inaccuracies, hard inquiries from my credit report that they are illegally reporting and l requested specifically the alleged application bearing my signature they have not been able to provides those proof to me This si a violation of the fair credit reporting act and these disputed can not appear on my credit report if it can not be supported by any evidence or proof. it is really frustrating .This is not my first time reporting my issues but my scores keep on descending with same inaccurate informations .As l said the departments of education just adjusted my student loan status and removed it from deault and put it in good standing but the reports on my accounts is different why why why with my scores plunging down l need an answer
Product: Debt collection

i got a vehicle loan through credit acceptance corp..the vehicle was a XXXX and didn't even last 6 mos. i called them and asked them to pick up my vehicle which was in my driveway inoperable. they picked it up and claimed a repossession on it. then 5 or 6 years after picking it up they went to court and got a default judgement against me. then 10 years after they got the default judgement against me they went back to court and got a revivor on the default judgement. they have been attempting to get this money from me for over 20 years now even though i returned their property to them. they have completely ruined my life over XXXX something needs to be done to stop them they are predatory lenders who prey on the lowest of income population.
Product: Student loan

I have noticed that some of my Federal loans were discharge on XX/XX/2024. I have called Mohela and that they have confirmed that it was successfully diacharge via Barrowers Defense. I have asked if I can get a refund of all payments made to XXXX XXXXXXXX XXXX XXXX XXXX since they were approved and discharged. They have told me that I am only getting {$1000.00} refund. I have been paying this loans for years. I have also made 34 Qualifying payments under PSLF and I am only getting this amount. I haveinformed them also about transactions under my account history and that {$1000.00} does not equal to payments being made through out my history payments and adjustments. I even informed them and sent them the information atrached regarding the account history.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX XXXXAccount Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Immediate Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX @ [ Your Phone Number ] XX/XX/XXXX *Subject : Request for Investigation and Immediate Removal of Unauthorized Inquiries* Dear Experian, Equifax, and TransUnion, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following inquiries from my credit file : XXXX XXXX XX/XX/XXXX ( listed twice ) [ Experian, Equifax ] I have never owned or applied for any financial product or service with XXXX XXXXXX/XX/XXXX. This inquiry does not belong to me. 
There is no corresponding card or account linked to this inquiry on my credit report. For clarification, I do have XX/XX/XXXX, and XXXX XXXX but those are separate and distinct from this inquiry. 
US DEPARTMENT OF EDUCATION XX/XX/XXXX [ Experian ] o This inquiry is unauthorized. I was not enrolled in school during this time and did not accept any financial aid for that semester. Enclosed, you will find an unofficial transcript showing 0 attempted hours and 0 credits earned. For the period in question These inquiries may be in violation of the FCRA 1681b under the following circumstances : If I did not authorize the inquiry.

If the lender lacked a permissible purpose to access my credit report.

If I was not given proper notice of the inquiry.

FCRA 1681b ( a ) ( 3 ) : A credit bureau may only furnish a consumers report if there is a legitimate business need ( e.g., credit application, employment screening ).

FCRA 1681c ( a ) ( 5 ) : Inquiries must not remain on a credit report for more than two years.

FCRA 1681b ( f ) : Any entity pulling a consumers credit report without permissible purpose is liable for damages.

I am formally requesting the immediate removal of these unauthorized inquiries from my credit report. Additionally, I request a written response confirming the results of your investigation, along with an updated copy of my credit report reflecting these changes.

Enclosed, you will find copies of my credit report with the unauthorized inquiries highlighted, along with my government-issued ID and proof of address for verification purposes.

If these inquiries were made in error or fraudulently, I request full disclosure of how and when they were authorized, including any supporting documentation. If you can not provide such proof, I request their immediate removal.

Thank you for your prompt attention to this matter. Please contact me at your earliest convenience should you require further information. 

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

Im reaching out to dispute an incorrect late payment reported on my account with XXXXXXXX XXXX for XX/XX/year>. Ive always been on time with my payments for this account, and I have never missed or been late with a payment. The report of a late payment is simply not accurate. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the information they report is accurate ( 15 USC 1681e ( b ) ). Reporting this late payment is a clear mistake and a violation of this standard. Additionally, the FCRA ( 15 USC 1681i ) requires credit bureaus to investigate disputes like mine and correct or remove inaccurate information promptly. I request that this account be updated to reflect the correct status as " PAID '' or " PAID AS AGREED '', which is consistent with my payment history. I also ask that you provide an explanation of how the late payment was verified and why it was reported as 30 days past due. If it can not be verified, please remove it from my report immediately. 

This mistake impacts my credit unfairly and does not reflect my actual payment history. I trust you will address this issue promptly and ensure my report is updated to represent my account accurately.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to resolve the issue of fraudulent inquiries on my consumer report without success. These inquiries are entirely unrelated to me, and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I may have to pursue legal action if this isn't properly addressed. These false and fraudulent entries have prevented me from buying my dream home and adequately providing for my family. The impact on my financial health has been severe. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX has listed my account balance the same since XX/XX/2019. I submitted information and documentation to Equifax to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
XXXX XXXXr XXXX XXXX XXXX XXXX, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.
Product: Student loan

-Original loan amount XXXX -current payoff XXXX -Payments made since 2002 total XXXX -Applied to principal since 2002=XXXX -Applied to interest since 2002=XXXX -Interest rate 7.625 % I have called several times throughout the years to have the above explained to me. I could never get a straight answer. Took a 1 year forbearance in 15 years and it was blamed on that. Also told that in order to make headway I would need to pay before the due date each month, moving my payments up earlier and earlier each month. Something does n't seem right about that. One should be able to pay off their loan paying on the due date each month. However, I have done that and still only paid off a fraction of my loan. I have never made a payment that did not arrive on the due date or before. Monies applied to interest each month do n't seem to make sense. I would like answers. I want to know why money applied to principal is not reflected in my current payoff amount. I want to know in writing how they are calculating interest.
Product: Mortgage

XX/XX/2023 I made two payments to RoundPoint Mortgage Servicing because Auto Pay was grayed out and the online billing statement gave incorrect date so I sent a second payment in to make sure my mortgage payment was not late. 

XXXX has not applied the 2nd payment in the amount of {$640.00} to the principal balance but instead lists it as " Suspense Balance '' with a gray bubble note " The amount of unapplied payments that the system places in suspense pending research to determine what portion goes to principal, interest, late charge, escrow, insurance, or other payment elements. '' None of the gray bubble notations apply to my mortgage payment. 
I can not get a hold of anyone by phone, email, or text at RoundPoint ; nor do they respond to XXXX, XXXX, etc. 
I DEMAND, REQUIRE IMMEDIATE ACTION THE 2ND PAYMENT MADE IN XX/XX/2023 BE APPLIED IMMEDIATELY TO THE XX/XX/2023 PRINCIPAL BALANCE. IMMEDIATELY ADJUSTEMENTS BE MADE TO MY MORTGAGE BALANCE AND ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information listed on my credit report that was issued by the 3 credit consulting agency. According to my review of the credit report, there are several items that are factually incorrect and need to be corrected as soon as possible. 

A previous investigation does not satisfy the fact that your issued reports shows a lot of contrary details from among credit bureaus on these mentioned accounts below : 1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, and Date of Last Payment ] 2. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] 3. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] 4. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] Thus, I am requesting that you must remove or correct the information from my credit report as soon as possible.
Product: Credit card or prepaid card

This is follow up complaint to previously filed CFPB complaint ( ref # XXXX XXXX American Express responded to my original complaint that the matter will be resolved by XXXX/XXXX/XXXX. 
As of today, XXXX/XXXX/XXXX, advertised bonus points are still not credited to my account. 
When I contacted the american express regarding the issue, I am again being told that they will have to open the investigation. 
I am suspicious of AMEX business behavior of false advertisements.