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

I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my Equifax, XXXX and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against Equifax, XXXX, and XXXX  for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
XXXX  is stating the high credit is {$990.00}. 
XXXX  is stating the high credit is {$0.00}. 
Equifax stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I identified multiple discrepancies with the following account : Creditor Name : XXXX Account Number : XXXX Issues Identified 1. Inconsistent Balance and Payment Status The report shows a balance of {$0.00}, but the payment status is listed as Collection/Chargeoff, which is contradictory. If the debt is fully paid or transferred, the status should no longer reflect a charge-off.

2. Inaccurate High Credit vs. Credit Limit The High Credit is reported as {$3900.00}, which exceeds the Credit Limit of {$3500.00}. This discrepancy suggests either incorrect reporting or an over-limit scenario that should be clarified. 
XXXX. Conflicting Dates Date Last Active is listed as XX/XX/2022, while the Date of Last Payment is XX/XX/2022. These dates should align since a payment would typically update the Last Active date. 
The Date Opened is listed as XX/XX/2022, which raises questions if the account was already charged off shortly after being opened. 
4. Improper Comments The comments state, Transferred to another lender, yet the account still shows as Collection/Chargeoff. If the debt was transferred, the original lender should no longer report the account, and the new lender should assume reporting responsibility.

5. Two-Year Payment History The payment history is either missing or incomplete, violating the requirement for accurate and complete data reporting.

6. Unauthorized Debt Transfer If you did not authorize the transfer of debt to another lender, this raises concerns about proper debt handling and may warrant further investigation under federal and state laws.

Potential FCRA Violations The following sections of the FCRA may apply : 1. Section 623 ( Responsibilities of Furnishers ) : Creditors must ensure the information they report to credit bureaus is accurate and up-to-date.

2. Section 609 ( Right to Dispute Information ) : Consumers have the right to request validation and correction of inaccurate, incomplete, or unverifiable information.

3. Section 611 ( Procedures in Case of Dispute ) : If a dispute is raised, the creditor or bureau must investigate and resolve the issue within 30 days.

4. Section 605 ( Obsolete or Inaccurate Information ) : Incomplete or unverifiable data, such as missing payment history or conflicting dates, must be removed or corrected.

5. Unauthorized Transfer : Transferring debt to another lender without consumer consent may raise legal issues, depending on state and federal laws, particularly if the new creditor did not communicate this transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance continue to report on my credits report the incorrect balance, I have an agreement with them which I have kept paying them {$200.00} bi-weekly, monthly they have been reporting, I'm not paying which lowers my credit score I have a log from them that I have been paying as required.
Product: Student loan

XX/XX/XXXX, I received notification that I was eligible and reached all payments for the public student loan forgiveness. {$46000.00} for direct consolidation unsubsidized and {$12000.00} for direct consolidation subsidized amounts were cleared and sent to Mohela to removed from my account. Mohela removed the direct consolidation subsidized amout of {$12000.00} displayed on the account, however did not remove and clear the {$45.00}, XXXX direct consolidation unsubsidized amount shown on Mohela account and left me with a remaining balance of {$24000.00} consolidation unsubsidized amount. I sent an email to Mohela in XX/XX/XXXX concerning the discrepancy and that the full amout should have been removed. Mohela responded by email indicating to speak with Federal student aid regarding the issue. On XX/XX/XXXX, after a XXXX hour wait, I called and spoke with a Mohela representative by the name of XXXX regarding the issue. After further research, XXXX confirmed the account should have been updated to show a XXXX balance, paid in full and it would take XXXX business days to display on their system. XXXX stated she placed a note in their system about our conversation. As of today 's date XX/XX/XXXX, the account has not been updated and when I called Mohela on XX/XX/XXXX, after a XXXX hour wait, I spoke with a representative who placed me on hold to review the notes in their system, at which time I was transferred to a survey recording and the phone disconnected. When I attempted to call back the business/Mohela was closed. I have not received a resolution to this problem no one will assist me
Product: Checking or savings account

During a one day trip to XXXX XXXX, CA on XX/XX/2018, after making my first purchase, my debit card was immediately put into fraud alert and cut-off from use. Though I was assured by at least 10-12 customer service and fraud representatives that my account was " fine '', the card was never re-activated until 5 hours later. I am writing to inquire about the legalities of importing a travel code onto my debit card ( without ever informing me that I needed one ) and deactivating my account at a moment 's notice because of suspected fraud and what seems to be a loose, unstructured fraud protocol.I have attached a copy of my correspondence to US Bank detailing the ordeal. Thank you.
Product: Debt collection

The debt charge off on my credit report from this company is inaccurate, not reporting across all 3 bureaus, and does not belong to me. I am completely misinformed about this account.
Product: Debt collection

CBE GROUP pulled my credit report with out permissible purpose which is a violation of 15 U.S. Code 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow They also did not notify me in written which is a violation of 15 U.S. Code 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice.
Product: Debt collection

In previous complaint,XXXX I advised that Credit Bureau Collection Services, had contacted my primary number. At that time they had taken part in 3rd party disclosure as advised in complaint listed. I at that time on XX/XX/18 I advised this company of my wish of a verbal cease and desist. Advising them to no longer contact myself by phone, I only wanted to correspond through my verified mail address. On XX/XX/XXXX  at or around XXXX I recived a call from this company from phone number listed ( XXXX ). They were attempting to collect the medical debt once again via phone. This company never supplied me with a validation of debt, nor a chain of custody agreement as I requested. They are now not only violating my rights as a consumer, and my legal verbally cease and desist order I provided them by again calling me, they are now also violating yet another law. They are foreshadowing the validation period, by attempting to collect and taking part in collection activity of the debt prior to myself being provided the validation paper work that I verbally requested on XX/XX/2018. The law states that they must refrain from collection activity for 30 days, after they hav supplied me with the validation paperwork I requested.
Product: Money transfer, virtual currency, or money service

My google pay account was closed by google, I have submitted all the documents as they request. but they refuse to refund me balance
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, Transunion and XXXX about unknown inquires that are listed on my credit report last Month around or between XX/XX/XXXX and XXXX I believe to have unauthorized and unrecongnized inquires removed and Transunion has denied to remove the unrecognized and unauthorized inquiries 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: Money transfer, virtual currency, or money service

lam 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 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: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act US DEPT ED XXXX Balance Owed : {$7900.00} US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2019 I looked at my annual report and noticed a collection is still is on my report after disputing it back 3 or 4 years ago the company never validated the account or sent me any proof of the debt, upon trying to dispute it the attachment above is what I received not only I could not submit online, if I tried calling you are waiting on a representative to pick up the phone for hours. Experian please do better with your practices you are not investigating the disputes instead you are responding back to the consumer stating the account was accurate. Who verified? How was this information verified? Where are the docs the back this up? Why do I have to go to this length to get some answers?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( XXXX, Equifax Information Services LLC, and XXXX XXXX XXXX in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed to me.
Product: Money transfer, virtual currency, or money service

Paypal offer " Get {$25.00} when you shop with Paypal this holiday season. Make 3 purchases of {$35.00} or more at select merchants by XX/XX/2020. '' Offer period starts XX/XX/2020 and end XX/XX/2020. {$25.00} credit rewad will be added to the account within 5-7 business days. I made 3 purchases of {$35.00} at XXXX on XX/XX/XXXX. It has been more than 5-7 business days and the {$25.00} credit has not been posted to my Paypal 's account. I contacted Paypal through their message center and was just getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received my credit report from you. It included the following incorrect information : XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 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 can not furnish a account without my written instructions.

Report past due when it is closed remove this inaccurate account Delete these accounts immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

XX/XX/XXXX I sent a follow up email, from a phone conversation, where I said I could not pay the nearly XXXX XXXX  monthly loan amount. I was told by several reps that Firstmark did not own my loan and to talk to my original lender. XXXX XXXX sold my loan to Firstmark and I was attempting to negotiate better terms. 

XX/XX/XXXX I had to send my account information several times ( at least two ) which I believe delayed the process of trying to get any sort of relief instead of them responding to my requests XX/XX/XXXX I asked Firstmark who was my lender again, having been given various different answers ( over the phone ) XX/XX/XXXX They finally stated that they own my loan but must service it according to my original loan terms XX/XX/XXXX I was notified ( on the phone several times prior to this date ) that my forbearance period was capped at 12 months. I sent my original promissory note from my original lender asking where I agreed to those terms. 

After speaking to a rep on the phone sometime later, she admitted that it was weird that that is not directly stated in my promissory note. I believe Firstmark records their calls so hopefully there is a record of this, on their end. I only have record of email communication so I understand outside of that May fall under the scope of he said- she said. 

The did not respond to my inquiry, instead they send a reply stating that I owed on my loan. I replied on XX/XX/XXXX asking them to answer my inquiry. 

Outside of email threads, I called Firstmark attempting to get some relief before my credit was adversely effected. I was eventually escalated to a supervisor who was able to contact my lender and ask for additional forbearance, they declined. I asked for a direct contact to them in case I needed to involve a lawyer and I never heard back. 

I asked her to document on my account not calling until after business hours because I am a teacher and the harassing calls multiple times a day interrupted my lectures. Despite this request the calls continued. The were distracting and were followed up by several automated emails. ( Again I hope this is documented on their end ) I called again at XXXX on XX/XX/XXXX advised that I have one month of forbearance remaining Waiting for approval ( these are the exact notes I wrote in my phone, word for word ) If approved, this would bring my loan current ( according to the advisor ) which I had hopes up so I could begin rebuilding my credit. 
I was later ( almost immediately ) declined and the reason was no forbearance left. This letter is in my Firstmark online account. 
So again, they gave faulty information Firstmark has several negative reviews on XXXX and XXXX. If anything can be done to improve their training and practices several people ( myself included ) will greatly benefit.
Product: Payday loan, title loan, or personal loan

I had an open case : XXXX Which was closed. 

Wells Fargo Sent My CFPB Complaint Status To The Wrong Person!!!! 

Why am I receiving this from someone who you guys ( Wells Fargo ) undoubtedly thought he was me? 

On Fri, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX, My name is XXXX XXXX. On XX/XX/19 I filed a case against Wells Fargo with the CFPB because a banking error on their part caused damage to my business. My case CFPB Case # is XXXX. On XX/XX/19 I received a response to my case stating they required more time and then another email stating that they had closed my investigation with this letter attached. 

The letter was the response to you and provide me with your email address, case number, details regarding your case and so forth. I have attached the letter for your review. I contacted the CFPB immediately and advised them of the situation. They in turn contacted Wells Fargo to advise them of their error and had the letter erased from my case. 

I am not sure but I do believe that without your consent I should not have had this personal information sent to me or attached to my case information. 

I felt it was necessary to contact you and let you know of this error. 

If you have any additional questions please feel free to email me. 

XXXX I am not XXXX and XXXX is not XXXX XXXX.
Product: Credit card

I noticed on my credit report recently that my account with Wells Fargo was closed with the notation " Closed by Consumer ''. I at no time elected to close this account. I also disputed this closure through both XXXX XXXX and XXXX, as my credit report now contains factually inaccurate information. The result of both disputes was the information was " correct ''. 

On XX/XX/24, XXXXXXXX XXXX XXXX XXXX ) I contacted Wells Fargo to see what was going on. I was told by " XXXX '' that my account was closed due to " inactivity '' on my account, which was allegedly contained in the credit agreement. I asked " XXXX '' how " closed due to inactivity per card agreement '' translates to " closed by consumer ''. " XXXX '' could not answer this question, so I asked for a supervisor. I was transferred to " XXXX ''. 

" XXXX '' told me the same thing. When I stated that I never closed the account, why is it being reported that it is " closed by the consumer, '' she told me, " That is just the way it is. '' At no time did Wells Fargo ever tell me that this account was in danger of closing, nor did offer to provide a copy of the credit agreement. In addition, as I mentioned earlier, I never requested that this account be closed. Therefore, I request that this inaccurate information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX  ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. Despite my previous disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case. 
Discrepancies The following discrepancies have been identified : Date of Last Verified : Reported as XX/XX/XXXX, which is inconsistent with my account status. 
Date of Last Activity : Reported as XX/XX/XXXX, which does not align with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, XXXX XXXX XXXX