23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experience the same reasons that CFPB is suing experience credit bureau right now They illegally allowed XXXX XXXX to continue to update my credit report as early as XXXX of XXXX the account is from XXXX of XXXX XXXX and XX/XX/XXXX if you look at my credit report as to how many inaccuracies from this particular account The account is more than XXXX XXXX XXXX The account is now showing closed on my credit report and it was supposed to be removed XXXX we are in XXXX of XXXX right now it's still there they just updated the account XXXX XXXX  experience allowed it to happen They added XXXX negative remarks for close account They added XXXX late payments for a closed account an account that they've already been paid for because they counted it on their taxes They violated the fair credit neck rights that violated the scrutiny laws They don't even own this account at all I don't owe them any money at all They can't collect any money because it's account is more than XXXX XXXX XXXX The account is XXXX XXXX XXXX if we count all the way to XXXX meanwhile my credit has suffered financially I have suffered my credit score has dropped more than XXXX points which has been devastating for myself and my family I am now suing from the state of California for {$1000.00} for each inaccuracy and each negative remark or my credit report in each year and month that the negative information was allowed to be added to my credit report I am suing both experience and XXXX XXXX  I am asking that this information be deleted from my credit report now The credit report XX/XX/XXXX report number XXXX there you will see the information from XXXX XXXX  and the XXXX negative remarks that they've added to my credit report the XXXX negative payments after the account was completely charged off and closed so they want to collect money twice or XXXX times at this point They lied and gave false information to the CFPB which my lawyer approved was false information This is why we're suing them now and to see if PB went along with the false information and didn't even look at the dates or look at the information showing it it was never a XXXX or anything like that file with the IRS at all .... I pray that someone at the CFPB actually looks at my complaint and don't say that it's a duplicate of the other complaint because it's not you can not legally with the fair crediting act rights continue to update a person 's credit report after XXXX years after an account is closed and charged off This account should have been removed from my credit report more than XXXX  years ago I wanted completely removed now
Product: Credit card or prepaid card

On XX/XX/22, called American Express at XXXX to get the payoff amount for my account. I made it clear that I wanted the payoff and not the balance due. The rep I spoke with provided me the statement balance. I explained that is not the payoff but the balance and that the payoff would include any interest accrued but not billed. The rep I was speaking with did not seem to comprehend what I was requesting and conferenced in another rep who flatly told me they could provide no other amount. I asked if this was an XXXX  call center and if so to please get me to a US based representative. 

I was transferred to a female rep in the high balance department whose name I did not get but did confirm she was in the US. I explained my need and asked if she understood the request and she assured me that she did. She gave me a payoff of {$9900.00} which I paid and which posted that day. 

Apparently she didnt understand or she didnt know how to give me what I was asking for as I got a XX/XX/XXXX e-statement that reflected {$110.00} of interest due. Just interest nothing else. There should not have been any interest due based on my previous payoff payment. I called the same customer service number on XX/XX/XXXX and spoke with a gentleman whose name I did not get however I know AMEX keeps notes on these contacts. I explained the situation and after several holds, he came back and told me it was due. I disputed that and asked him if he understood the concept of a payoff. He then launched in to some XXXX explanation of interest. I explained that I should not owe interest based of my good faith effort to pay my account in full including unbilled interest which AMEX knew, and which they provided me the amount to avoid interest. I got nowhere. 

I do not believe I owe that money and frankly, even if I did, they should have wiped it out based on their complete inability to provide me help with a basic usual and customary financial transaction. Either Amex is deliberately misleading their customers or they have a system set up to discourage payoffs thereby increasing their interest collections. 

At that point I requested the payoff again and was told it was {$150.00}. I paid it on the spot. There had better be no more interest. I have stopped using the card for now until this is resolved. 

I want my interest money back or a full explanation to me and frankly to you as to why they could not responsibly handle this very basic transaction. What they are doing is, at best, misleading their customers or worse, breaking financial overview laws. 

Thank you for your time.
Product: Debt collection

There were multiple phone calls that they have recorded in XXXX and maybe XXXX and XXXX where there representative told me multiple times that it was illegal to consolidate the debt I had with them. There was a phone call in XXXX or XXXX that the representative stated didnt actually know if it was illegal.
Product: Credit reporting or other personal consumer reports

Experian is reporting a wrong bankruptcy in my credit report..They cant proof it as mine,,,, because the court says they never report it to them..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with AMER CR ACPT ( Account number : XXXX ). I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I tried contacting Credit Bureaus with no successful resolution only reporting me late. There was definitely an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00} XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

TransUnion, is in violation of 15 USC 6801 & 6802 by reporting this account ( non-public information ) on my consumer credit report without my prior consent and/or authorization. XXXX XXXX provided no inconspicuous " Opt-out '' or " Right to Rescind '' forms during or after the opening of account XXXXXXXX  as required by law in accordance with 15 USC 1635. Both TransUnion and XXXX XXXX have also violated 15 USC 1611 by willfully providing false and/or inaccurate information on my consumer credit report. As a result, I am harmed due to being denied full access to credit, which has created financial hardships for my family and I.
Product: Mortgage

In 2006 I was scheduled to receive a cash out payment for {$18000.00} from Wells-Fargo however, I never received it. I called the XXXX XXXX title company in XXXX, WA but they said they sent it to me but I never received this payment. I looked in all the statements from the XXXX XXXXXXXX XXXX XXXX aka ( XXXX XXXX ) but theres no evidence of this deposit or record during that time frame. I inspected the statements for XXXXXX/XX/2006 but no wire or deposit. 
I know its been a long time ago but I didn't realize they refinanced me without my knowledge until recently. 
I never initated a refinance. I had my condo for only XXXX yrs. This happened when the loan transferred from XXXX home mortgage. to Wells-Fargo in 2006. 

I'm asking for your help. I appreciate your attention to this matter. Thank you
Product: Debt collection

I paid through debt consolidation and CDR Associates. They keep calling my work and will not listen to me stating that I have paid debt. They are threatening.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/2020 my husband I booked a trip for XX/XX/2020 with XXXX. We paid for this trip with my Citibank credit card. In XXXX XXXX cancelled our trip due to Covid-19 and told us to contact our credit card company for a refund. XXXX also closed down there business as well. I immediately filed a dispute with Citibank for over {$4000.00}. I sent Citibank all the documentation from XXXX cancelling the trip and also there policy on cancellation. I also sent the XXXX  report and news reports of the company abruptly closing. I have received a partial refund from Citibank for {$240.00} and was advised {$4600.00} was still pending awaiting on XXXX to respond. I just received notification from Citibank that for the {$4600.00} they have sided with the merchant and will not be refunding me the money. I need help! If our trip was cancelled by the booking agency and the resort doesnt have a record of it because they are closed as well how can they keep our money. Also how can Citibank refund monies for the exact same trip and company for the smaller amounts but not the large amount were we paid the remaining balance. The information I sent on the disputes were all the same and for the same trip. Please help!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from 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
Product: Mortgage

my father processed a transfer of his home loan back in 2020 from the company mr. cooper to his current bank ( XXXX ). his bank processed the payment to mr cooper correctly and sent them the check to pay off his balance with mr cooper. the company mr cooper then cashed the check and mis applied the funds to the wrong account. from that point my father has been paying XXXX for his loan and mr cooper sold the loan to another company ( XXXX  ) because they did not catch the mistake they made. now my fathers house is being foreclosed on by XXXX  he has receipts for the last 2 years of paying his loan to XXXX. we have written documentation from mr cooper that these funds have been mishandled and have attached the relevant email to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. 
Pursuant 15 USC 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 ;
Product: Debt collection

I called to find out about the bill and to get a break down of the bill. I was not given that information and I had health insurance.
Product: Mortgage

Hello, on XX/XX/XXXX I contacted Carrington Mortgage to refi my house, during the refi process it came to light that XXXX XXXX XXXX had put a note for {$45000.00} in the back of my loan when I did a modification with them in XXXX. My mortgage balance prior to the refi was {$150000.00}. The loan officer told me that I needed to add the {$45000.00} Note ( from XXXX ) back to the loan, or else it would cause me problems in the future and I will never be able to do a refi or sell my house. I felt pressure in doing so, this made my mortgage payment go up from {$1000.00} to {$1200.00}, which is a large increase for me. Now XXXX county has increase my taxes and my escrow is short {$1900.00}, my mortgage payment is now {$1500.00} this is a {$510.00} increase! I am very concern that I will no longer be able to afford my home. I feel like I was pressured in this refi, and very angry about it.
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. 

They refuse to block info that I'm telling them is result of Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. Experian claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you Experian claimed XXXX verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.
Product: Credit card

I applied for a secured credit card in XXXX of last year. I paid XXXX to get it. They declined the credit card based on a bankruptcy over a year old and on debts due to child support. I have outstanding debts for child support due to the fact that I was pregnant and could not find a job and XXXX county expected me to pay. I am going back to court on it and I have faithfully paid the child support even though I did not see my children for a year. The debt was being paid and the bankruptcy was a year old. They should not have denied me credit when it was a secured card. The only reason for the bankruptcy was my ex-husband ruining my credit by causing a prohus-perty I had for 16 years to go into foreclosure by not paying for it or putting it in his name like the court ordered. Because of this I was unable to refinance my house, given me in court and I lost it, too. I had perfect credit not seven years ago I paid an extra month 's payment on my mortgage and now I am being discriminated against. My ex husband is on probation for threatening to kill me while I have a restraining order against him. These credit problems were not my doing. I thought you could not discriminate in the State of Colorado due to domestic violence. I received the XXXX back, but I want this removed from my credit and I want a secured loan because I am responsible and have sacrificed to make sure that child support is paid. 
It will be removed anyway because XXXX of my children have left their father to live with me. They are tired of the unjust court system and tired of being beaten. 
Please help me.
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 that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my business account vulnerable and unprotected. 

Approximately XXXX years ago, a business partner embezzled over {$60000.00} from my business account through unauthorized Cash App transactions. Despite filing disputes with Cash App, they repeatedly failed to provide updates, resolutions, or answers. Each time I followed up, I was told my case would be escalated to management, but no action was ever taken. 

Furthermore, their dispute resolution process was unfair and deceptive. Cash App failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their lack of proper support and failure to provide live customer service agents compounded the issue, leaving me without recourse for recovering the stolen funds. 

Now, nearly XXXX years later, I am still fighting to recover my money. These actions caused significant financial loss, stress, and hardship. I seek appropriate redress for these violations, as well as accountability for Cash Apps failure to provide a secure platform and adequate customer support.