23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Ally Financial is reporting that I was eight times over 30 days late on my account.by my records I was one first time late over 30 days on XXXX XXXX other 7 times I was not late.i file a dispute with them over 3 months and all I get is they need more time to research my account. Also.Ally was reporting to the credit bureaus my balance with them was XXXX .when it really was XXXXthis is greatly affecting my quality of life.i have applied for credit and have been turndown.
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 practice. Which violates 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: Student loan

Over the last two years I have requested Promissory Notes for several loans in my name questioning if they are valid. I have contacted Navient and the US Dept of Ed and made multiple request that have gone unanswered. I need help getting this information and making sure that all these loans even belong to me.
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX - I reviewed my credit report and noticed an open collection account that I just realize was never mine. The amount owed is {$370.00} to XXXX XXXX XXXX XXXX XXXX XXXX This account was opened in XX/XX/XXXX. The DATE is what caught my attention because I was in a XXXX XXXX XXXX XXXX XXXX in which ALL of my creditors were notified and my debts successfully settled. 

Today I called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and spoke to XXXX XXXX. He attempted to find my account using my married name - XXXX, my maiden name- XXXX and the last XXXX digits of my SSN ( XXXX ) - He was unable to find any record of an account for me. He advised that I call XXXXXXXX XXXX 

I called XXXX XXXX XXXX XXXX XXXX XXXXXXXX and spoke to XXXX. I provided him my social security number in which found an account. He asked me to verify my address, to which I provided my current address, and my last known addresses in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and he said the address they have on the account did not match. He proceeded to tell me that he can not give me any information on this account. 

I have only had XXXX accounts with XXXX XXXX XXXX XXXX that is current with XXXX, and XXXX that was a luxury account that was settled by XXXX XXXX. At XXXX point my husband had a XXXX XXXX account through XXXX Bank that was I ONLY an authorized user on.
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Experian more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.
Product: Debt collection

The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am able to get a Credit Report from every Credit reporting Agency accept TransUnion. When I call it is as if I am speaking to two different agencies. One person says one thing and gives me a number to call. When I call that number I get different information. In XX/XX/XXXX ; I tried to view my credit reports via XXXX XXXX XXXX. I was able to view reports from XXXX as well as XXXX but not TransUnion. I phoned TransUnion to inquire about the problem. I spoke with three representatives. Two gave me false information about logging in to the website to view my credit report. The last rep told me he was unable to access my credit report but he asked me if I had a credit card and wanted to verify my E-mail address. He then told me everything that was on the credit report even though he said he could not access it. I emailed XXXX   XXXX XXXX to inquire if I could report TransUnion for possible Fraud. Two weeks later on separate days, I received two letters from TransUnion stating I needed to verify my personal information. The first letter was three pages long front and back. The second was one page front and back and looked as if it was a copy. Both had the same information but different file numbers to inquire about. I discovered in XXXX that I had been a victim of Identity Theft. I believe someone at or affiliated with TransUnion is responsible as well as a former employer. I was asked to call with this file number on the three page letter from TransUnion : XXXX mailed from XXXX Alabama Permit No. XXXX.The letter that appears to be a copy has the file number : XXXX US Postage Paid XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$450.00} XXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o Currently is marking both late and closed at the same time.

o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Is noted as a charge off, but also still has a balance.

o Trans Union reports a close date of XX/XX/2022 but XXXX has XX/XX/2022 XXXX : o Show a balance but also a charge off at that same time.

o A charge off would require a 1099C but I have never received one.

Transunion o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one. 
o Worst payment status has no info o Shows charge off, but never late.

o Trans Union reports a close date of XX/XX/2022 but XXXX has XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors 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: Credit card or prepaid card

Wells Fargo account XXXX I would like for your company to provide me a copy of your compliance and procedures of conducting an investigation. Because I believe that you are reporting false credit reporting to the bureaus! I asked of you to review the files and please explain to me in great details of how did you come up with what you claim you Certified on your company letterhead dated XX/XX/2022! You stated to the CFPB and myself that account number XXXX And I quote!! 

Dear XXXX XXXX : We received your complaint on XX/XX/2022, regarding your credit bureau reporting. We have completed our research and would like to share our findings. 
Credit reporting As a fair and responsible lender, Wells Fargo is required to report factual and accurate information to the credit bureaus under the Fair Reporting Act ( FCRA ). Our records confirm, we are reporting this account to all credit reporting agencies as " XXXXXXXX XXXX XXXX XXXX XXXX  '' As a result, we are not able to make a goodwill! My question to you was how did you verify that this information was was reporting correctly on your end? Because XXXX was not showing the information on there credit files! As included in XXXX XXXX Wells Fargo if it was reporting correctly using factual based dispute methods and provided it to you? why? 
Keep in mind the date of XX/XX/2022 in which you stated you received the complaint/ dispute and provided an updated to XXXX XXXX 30 days went by the account was still not displaying included! So XXXX XXXX I disputed again with XXXX as you can see they stated We have research the credit account account number # XXXX The results are this account is not currently reporting include it in XXXX  on your XXXX credit file. The following fields have been modified! XXXX, XXXX Wells Fargo they indicated that the account was not reporting as included in XXXX! 

XXXX Wells Fargo I advised you XXXX XXXX XXXX XXXX that the account was not included in XXXX  but you lied and claim that you verified your records and show that it was included! I have told you now XXXX has told you! That it wasnt! 
XXXX so back to my prior question to you we both had and have told you over and over again how did you correct or updated something that wasnt there?? This is false credit reporting on your behalf! After a 117 days later it finally gets on the credit report is why Im requesting your company compliance guidelines and procedures on your investigations for the FCRA. Again XXXX have said there was nothing reporting which makes sense because why would I dispute if it was there?? So this leaves nobody but you Wells Fargo who have told a lied. Since this matter is stuck with nobody but your doing I asked that you remove this false credit reporting that you have done from the get go. You failed to conduct a proper investigation within 30 days violation of CRA and I want it removed legal actions gon na come you should be ashamed of yourself the facts are here! You are acting willful and reckless with your reporting! 

Please EXPLAIN HOW CAN YOU UPDATE SOMETHING THATS NOT EVEN THERE? This is funny lol
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a CFPB complaint regarding this issue previously in XXXX of XXXX, but I now have further evidence which supports my claims. 

There is an inaccurate Bankruptcy being listed on my credit reports which I have been disputing since XXXX of XXXX. XXXX  did remove the account but TransUnion and XXXX  still have it listed on my credit reports. 

I confirmed with the bankruptcy court that they do not report anything nor verify anything as accurate with the bureaus ( see confirmation attached ). Once I told XXXX  this, they claim they verified the bankruptcy as accurate through XXXX. XXXX currently has a security freeze placed on my consumer report so they are not sharing information with the bureaus, so I determined this to be a lie from XXXX. Regardless, I alerted XXXX that they had the bankruptcy placed on my account in error. They initiated an investigation and alerted me it was being removed because it could NOT be verified as accurate ( See their letter attached ). 

I provided this new evidence to both TransUnion and XXXX  on XX/XX/XXXX and neither have removed the account still. They are violating the FCRA by allowing this incorrect account to persist on my report and this needs to be addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00}
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected Consumer right to privacy and confidentiality under 15 USC 1681 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  All of these companies has violated my rights.

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 reported agency can not furnish account without my written instructions.

15 USC 1681C.A5 section states no consumer reported 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 of crimes which antedates the report by more than seven years 15 USC 16 81S 2A1 a person shell not furnish any information related to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is in accurate I requested validation of debt and also my information was sold to several third parties. company I am requesting that these accounts be removed immediately or I will move forward to persue legal actions
Product: Payday loan, title loan, or personal loan

I assume an installment loan with Greensky LLC. program. The loan had a per Quiter  installment history payment plan. I have documents, contracts, and payment plans. 
That I agreed to but I am disputing the final payoff and the amount of overpayment They have charged me. To close out the loan, I sent them an additional {$2000.00}. to meet their demands. But My mortgage company sent them a final payoff amount of {$48000.00}. The total loan amount was XXXX. 
The loan was approved for XXXX. But I only needed XXXX for the dental implants. But before I used any of the loans. There was an introductory agreement that I pay XXXX for the first 6 months. The first 6 months was based on a XXXX loan. After that was paid, they would recalculate the remaining balance. Here is the below line : XXXX. plus XXXX plus XXXX The loan was only XXXX.
Product: Credit reporting or other personal consumer reports

I applied for a capital one credit card loan. I was approved but I never used the credit card because They wanted me to pay XXXX dollars just to be eligible for the credit card loan. So I did NOT proceed with the process. I dont understand why this is still on my credit if I never used or received the card. Please help me by removing this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the XXXX data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. Thank you
Product: Money transfer, virtual currency, or money service

Today- XX/XX/2019 at XXXX XXXX  PDT ; someone used my Paypal account linked to a XXXX XXXX debit mastercard with XXXX termination that owns my daughter XXXX XXXX , account that I let her use, to send {$20.00} dollars ( {$27.00} with fees ) amount to XXXX XXXX XXXX , with transaction ID XXXX and e-mail contact XXXX without my consent or knowing. 

There were another three attempts, but affortunaly I was able to cancel them : - XXXX XXXX XXXX with a {$250.00} MXN amount with Transaction ID XXXX at XXXX XXXX   PDT ; contact e-mail XXXX. 
XXXX XXXX XXXX with a {$50.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; -XXXX XXXX XXXX with a {$35.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; contact e-mail XXXX. All of them made at the same date mentioned above.
Product: Debt collection

This man called me over 50 a day from Sequoia Financial Services claiming to be a XXXX XXXX lawyer, reversed phone look up reported that the company is tagged as a telemarketer company ( not even a collection agency ). 
Before I know it, this telemarketer emailed me, which I know that is completely illegal I informed him he didn't have my promission to use my email to contact me for I didn't give it to him or the company he works for ; make matters worst he threatened me
Product: Money transfer, virtual currency, or money service

I had opened a account with venmo gave them my back account number and a routing number, They went into my account and took XXXX dollar, and the next day deposited XXXX dollar. I then logged in and hit the deposit button at the top right side, and nothing happened no deposit. I tried it several times in the next few days, Then I closed the account, and got a new card from my bank. I have written them many times and even called them, and have gotten no where. Here is the last e-mail from them. They have had my money for YEARS now .... : Your request ( # XXXX ) has been updated. To add additional comments, reply to this email. XXXX XXXX ( Venmo ) XX/XX/XXXX, XXXX XXXX CST Hi XXXX, Venmo will not automatically transfer your balance to your bank account. The payment you received has been sitting on your Venmo account and you need to initiate the transfer. To get access to your account please provide : 1. A picture ( not a photocopy ) of your unexpired US government-issued photo ID. Please do not omit or cover any information on your ID. You can use our upload link to submit your ID ( for your privacy and security, please do not reply back to this email with your ID ) : XXXX XXXX XXXX XXXX & XXXX & XXXX 2. The full phone number currently associated with your account. Once you regain access to your account you can transfer the {$85.00} to your bank account. Thanks for your patience while attempt to help you resolve this issue. Best, XXXX XXXX | Venmo Support
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX