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

XXXX XXXX XXXX finally corrected my XXXX  report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.
Product: Money transfer, virtual currency, or money service

Cash app keep XXXX  me over they sold assets I never got
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX 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

XXXX XXXX XXXX Acct # XXXX whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7400.00} Account Name : XXXX BANK Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


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

PLEASE REMOVE INQUIRES FROM XXXX, TRANSUNION, XXXX THERE IS FTC REPORT WITH NAMES AND DATES OF INQUIRIES.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXXXXXX XXXX XXXX XXXXXXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXXXXXX XXXX XXXX XXXX  ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit card

I got a statement from XXXX that I opened a credit card in XX/XX/year>. I never opened a credit card with them. I was also charged with XXXXXXXX XXXX worth of purchases, which I never did.
Product: Debt collection

I sent Rash Curtis & Associates a letter by certified mail return receipt that they received on XXXX XXXX, 2014 requesting that they cease and desist any and all collection activities on a medical debt that they have failed to properly validate. 

Despite this, they continue to call my cell phone ( which costs me money ) repeatedly. 

I am concerned about retaliatory conduct on their part because I have requested them to comply with the law including HIPAA, FCRA, and FDPCA which they apparently continue to ignore and not comply with.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed again my credit report and I can still see the unverified and erroneous item that need reporting and correction through your company. The item below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I issued a wire transfer in the amount of {$50000.00} from my XXXX  XXXX XXXX account to my supplier 's account at Wells Fargo bank. The same day XXXX issued a reversal order because I realized I had issued the transfer to the wrong account. 

My supplier was only notified of the reversal 17 days later. They agreed to the reversal immediately and now, 45 days later the reversal has still not taken place. And there has been zero written communication from either bank. 
We have filed a complaint against XXXX XXXX XXXX and now we are filing one against Wells Fargo
Product: Checking or savings account

They closed my account and did not tell me. Then they overdrew the account for {$1500.00} after approving it. They have done everything I. Their power to be horrible and its not warranted
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 15 USC 1681 Section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 USC 1681e-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer relating toto a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.
Product: Debt collection

Was in a dispute with apartment about move out amount, then they moved it to collections during dispute and they said they couldnt do anything and to talk to collections. Then I disputed with collection agency within 1 month and mailed letter with all the backup of pictures and emails from apartment I had on XX/XX/XXXX express 1 day with requested signature. They kept saying they didnt have it and I showed with USPS was delivered but decline to sign. I sent another package with backup in the mail on XX/XX/XXXX since she kept saying she never received. We have called twice in XXXX with voicemails to call back with no luck. I then called in XXXX to try to get ahold of someone other than who has our account to get this resolved and no one was helpful and it was getting frustrating that they weren't helping. They called us XX/XX/XXXX now saying they received our dispute letter but declined it and never notified and were finding out 5 months later. They said decline cause they reached out to Apt and they said the pictures they sent me of the move out backup and why we are getting charged is of another unit even though it includes out door with our apt number on it. We requested to talk to a supervisor multiple times and she said call back when we are willing to work out the debt. She also lied and said she called us twice in XXXX but she used the dates that we called and said she called which was a lie.
Product: Vehicle loan or lease

Hello, I was given a very short deferment by Truist Bank, but was not given their longer deferment program due to extreme financial hardship. They told me to call XXXX of their account managers due resolve the situation and was given the run around, then was passed on to their underwriters who said they could not do anything for me nor even lower my payments. Then, they advised me to speak to collections again about their longer deferment period program which I am eligible for and was Ultimately. they completely ruined my credit by XXXX points on every single credit bureau and ruining my access to lower interest rates and other creditors on my credit report. Therefore, Truist is responsible for more reporting bad information to not only all XXXX credit bureaus, but to all of the companies and creditors that I do business with. I have never missed a payment in over XXXX years and had a wonderful XXXX XXXX XXXX which is now completely disintegrated and, in my opinion, XXXX  Please help with this disservice. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX XXXX  but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.
Product: Debt collection

Concerning case number XXXX : Today I learned from a fellow employee that a representative from MOHELA talked with my co-worker over the phone and the MOHELA representative asked my co-worker about my location. This is extremely troublesome to me. How can this sort of activity be legal? This is absolutely unethical behavior by MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several dates ranging from XXXX XXXX XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XXXX  Data breach and have got no response.
Product: Debt collection

I received an email on XXXX XXXX XXXX  from TrueAccord attempting to collect a debt for XXXX XXXX in the amount of {$1000.00}. 

I responded on XXXX XXXX XXXX  indicating that I " was not familiar with the account, '' and to " please send verification '' that I owed this debt. 

I was subsequently contacted by email on XX/XX/2024 by TrueAcccord indicating the same information as their previous contact adding : : '' we strive to make debt collection less daunting, '' and " TrueAccord Corp. uses digital communications ( like this email ) '' I responded again via email saying " Please send a validation of this debt. This is the second request. '' Following this began receiving multiple calls via automated dialers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed a hard inquiry made on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX phone number XXXX via chat message with XXXX XXXX directly who redirected me to XXXX via phone number XXXX who then rerouted me to their credit card fraud/ identity theft line which does not allow the reporting of identity theft or fraudulent activity. I also disputed this incident directly with Equifax as it is the reporting credit agency that presented the information to me. The dispute was determined to be verfied by the creditor without ever contacting me even though a freeze was placed on my credit as well as a fraud alert. Other credit reporting agencies were able to process my dispute and come to a decision to delete the hard inquiry from my credit report as the individuals behind them attempted to open several accounts and to secure several personal loans in my name on the same day. Equifax and XXXX need to do a better job of verifying an individual applying for credit and also for resolving disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.
Product: Vehicle loan or lease

XXXX XXXX and XXXX XXXX XXXX in XXXX, Texas committed fraud when they sold me a XX/XX/XXXX XXXX XXXX XXXX XXXX Blue Tec that had open recalls and one being for the XXXX XXXX XXXX and the XXXX XXXX being the first and most severe in the order of repairing when a repair becomes available. We purchased the SUV on XX/XX/XXXX and our contracts were also backdated, our vehicle was in the shop 7 out of 8 weeks of ownership. I immediately notified XXXX XXXX who told me do not make a payment we are putting this in review. Our serpentine belt broke while in route to my mother in-laws house traveling at XXXX mph no steering with my wife and XXXX of our XXXX children, stranded in the country. We had only owned the car for three days so we called XXXX XXXX who then instructed us to have the SUV towed to them at our own expense so we did. Three weeks later the car I still not working and it was transferred to a mom and pops automotive repair shop only to be transferred back to XXXX XXXX for a brake job. I had XXXX XXXX so my wife goes to pick up her SUV and calls me in hysterics saying she had no brakes, you see the brakes were needing to be done and before purchase XXXX XXXX agreed, my wife went back to the dealership crying with me on the phone and they forced her to drive the SUV with no brakes one hour home to XXXX keep in mind they were informed about the XXXX XXXX XXXX in essence they were attempting to murder and mame my wife. My wife complied and later we found out about the recall only for our Serpentine to re-brake the following day, so it had to be returned again. Then two weeks later we go get the car, keep in mind we called XXXX XXXX Weekly with updates only to be directed to not make payments it was in review, not even 12 hours after receiving our broken car XXXX XXXX has our SUV repossessed at XXXX XXXX leaving me stranded with XXXX kids no way to school. XXXX XXXX XXXX and XXXX XXXX   both need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX****, XXXX XXXX****, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX XXXX   XXXX****, XXXX XXXX XXXX****, XXXX   XXXX****, XXXX/XXXX XXXX****
Product: Checking or savings account

Was at Bank of America today at XXXX. ( XXXX and XXXX in XXXX XXXX ) We asked our daughter to meet us there as we wanted to add her name to the safe deposit box. We were told that we had to have an appointment to do this. The bank was empty and they said no one was available to help us. The manager could not help us and another worker refused saying she is unable to assist us. WE felt that they simply did not show any interest in us. We are preferred customers at this bank. The bank owes us an apology. The whole process would have taken 15 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me access to my report online.Experian will not allow me to dispute fraudulent accounts on my report.Experian will not allow me to report fraud on my reports.Experian will not investigate fraudulent accounts on my report. Experian will not fix errors on my report and they will not send me updated credit reports.i pay for credit monitoring with experian and the only report i can see online is from 2018.i would like to dispute items on my report online and have uodated copys of my report during the dispute.I would also like Experian to update my report on experian.com every month like i pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a dispute on my credit report and I didnt apply for XXXX loan or never received the XXXX  phone at all and I never place the order and didnt provide my social security number and they denied my claim and I send in the FTC report to Experian and they didnt block it or remove it off my credit report ... I already have a XXXX XXXX XXXX XXXX why I need a XXXX  phone I didnt place this order and it appears on my credit report that I owe {$1600.00} for this phone I never again received this phone and I called and cancel this order and told XXXX this account is fraudulent and Im not interested in getting a loan with them
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent inquiry done with XXXX XXXX XXXX XXXX on XX/XX/2018. XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with Transunion and XXXX  as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
Product: Mortgage

I was notified of a deficiency with my property taxes of over {$450.00}. I paid the deficiency and yet it is being added on a monthly basis. When I called the Mr. Cooper representative told me I lacked funds in my account, yet when I checked the city tax office I am all paid for the year. I also spoke with the city assessor who told me my tax liability increased only $ XXXX/year yet somehow Mr. Cooper is charging me $ XXXX/month additional. The Mr. Cooper representative informed me that this is because of a doubling of my tax base and refuse tax. Unfortunately, I pay my refuse tax through the HOA, not direct. I feel as though I have been defrauded of funds and request an immediate investigation into Mr. Cooper 's business practices. My account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXX XXXX  Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is Experian and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX  is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against Experian, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.
Product: Debt collection

After checking my CONSUMER report I noticed a few updates with companies posting there. ENHANCED RECOVERY COMPANY being one of the companies. ENHANCED RECOVERY COMAPANY is alleging that i have an alleged debt totaling {$1300.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you