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

On XX/XX/ 2021, I contacted all three credit reporting agencies about the report of Child Support information. They are reporting the amount is XXXX. All three bureaus by law must report accurate information. This is the 611 ConsumerFairCreditReporting Agency Federal law. Currently, on my credit report, they are reporting it is now XXXX which is still incorrect. Federal law states, that three credit bureaus must report accurate information. 

All three credit bureaus for the last four months have not reported accurate and correct information on my credit report. This is against the law. They have not reported accuracy and when calling to inform them of the incorrect information they take my complaints as frivolous. They refused to validate the date. I have requested for all three credit bureaus to send documentation on what company verified the debt. They did not send any documentation on who or what company verified the debt. I have received my request for dispute is still pending. However, if the Florida Department of Revenue is reporting information monthly all three bureaus should be reporting correct balance and correct date of last activity. The three credit bureaus are showing the last reporting date XXXX2021.
Product: Credit card

XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account : XXXX Creditor : XXXX XXXX, Account : XXXX Credit Inquiry from XXXX - XXXX XXXX XXXX Info : Type : XXXX XXXX- XX/XX/XXXX Credit Inquiry from XXXX XXXX XXXX Inquiry Info : Type : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using this company Lexington Law for few months. all they do is bluff customer that they are working on case. They never did any job and already took so many dollars out of my account. The result is zero. Absolutely zero. I believe its been more than 4 months with no results. Asked them to provide any reciepts for the work they did for me. all they do is electronic dispute which every one can. A paralegal promised that it will definitely be taken care of and it is very easy stuff to be removed by lexington law. I want CFPB to use UDAAP act against this agency. Every time I call these people say it is time taking process, it already took so many months with no results. I demand them to submit proofs that what they actually worked on case to fix my credit. And also in the XXXX report provided by lexington is false report. It is showing late payment months different from other two XXXX  and XXXX. The actual report provided from XXXX   website is different report from lexington law. They are bluffing that they recieved these reports from XXXX  directly.
Product: Mortgage

I have been working with Mortgage Solutions Financial to resolve a lost draft claim for nearly 12 months throughout XXXX. In XXXX, our home had water damage where we filed a claim with our insurance company. The mortgage company held the funds and was to release them back to me as we completed work and received sign off. In XXXX of XXXX, construction was completed and all the final documentation was submitted to the lender for final disbursement. I contacted them and they said they had everything and would send out an adjuster/appraiser to verify the work was complete. That was done the second week of XXXX and I was told I would have the final disbursement in two weeks. 
In XXXX of XXXX, my load was transferred from one lender to another and during that process, all the paperwork for the lost draft reimbursement was lost by the lender. I had to work with them through XXXX to recover as much as possible to resolve the reimbursement which came in XXXX. 
During this time, the lender charged me late fees for the mortgage payments they were holding in lost draft and wouldn't release. I escalated often that this can be handled one of two ways, either pay me interest owed on the monies they incorrectly withheld and I will pay them the late fees or waive the late fees and I will waive the interest charges they should pay. They are unwilling to do either and after nearly 30+ phone calls, they fail to take ownership of their failure/mistakes and never have they owned the problem. They continue to pay not my department game and shuffle me back an forth to avoid accountability. Clearly they not only have faulted processes and systems but their employees and leadership don't take accountability for their actions as a company. This could be easily resolved but their leadership won't step up, which is disgraceful Please contact me for additional details as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid collections account with remarks " Account information disputed by consumer, '' from XXXX that does not belong to me. The account number as shown is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for engaging in sham investigations and failing to properly address consumer disputes. 
It is unacceptable that XXXX, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite three key federal laws under **15 U.S.C . ** that XXXX is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. XXXX failure to remove or correct such information violates this provision and harms my creditworthiness. 

XXXX. XXXX5 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. 

XXXX. XXXX*15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. XXXX pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law. 

I demand that XXXX : XXXX. XXXXonduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham investigations. 

If XXXX fails to comply with these demands within 30 days of receiving this, I will have no choice but to escalate this matter by pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of XXXX negligence and noncompliance. 

This letter serves as a formal notice of my dispute and a demand for immediate action. I expect XXXX to uphold its legal obligations and protect my rights as a consumer. 

Accounts to re investigate are in the attachments ( credit report )
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Product: Mortgage

Cascade/Southwest Stage Funding XXXX Has used creative accounting practices on applying my payments. In an attempt to pay off my mortgage earlier I have sent in extra payments to be applied to Principle. It was discovered that this money was being shown as ADVANCE INTEREST. I had sent notice that any and all extra payments in a billing cycle should be applied directly to principle. When contacted about this, Cascade/Southwest Stage Funding , then shown payments were corrected. I feel that I was charged interest on money that had been attempted to be paid. I have requested an audit by Cascade/Southwest Stage Funding to ensure payoff amount is correct. This action has not been performed. Due to displayed accounting actions of Cascade/Southwest Stage Funding I request an investigation into their accounting applications..
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was involved in a horrific accident that was not my fault. I was never advised that after the insurance company paid off the car that the balance needed to be paid within 90 days. There were payments made monthly of {$700.00}. A check was sent for {$1300.00} ( balance ) at the end of XXXX. They did not receive it or post it till the second week of XXXX. When I realized they still hadnt cashed the check, I called and made the payment over the phone but they had just reported that it was charged off. They gave me no notice, nothing! My credit score has tanked because of this and I had a great credit score that I worked hard to achieve. XXXX refuses to do anything to help. It shows paid but it is still affecting my credit. I have a lawyer for the accident and will be willing to provide whatever you need. They also cashed the check after they received the payment over the phone and will not return it for 3-5 weeks!! This is unacceptable! Please help me fix this mess. I am still recovering from this accident and this all seems very unfair.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service 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: Debt collection

AFNI, INC. contacted me about an XXXX account. I was told that if I paid the account it would be removed from my credit. After, I paid AFNI , INC, I was told that they do not remove the accounts from my credit. The AFNI reps lied to me on multiple occasions about deleting the account before I paid them. After I paid the AFNI rep told me that the account would not be deleted and that there was nothing that I could do about it. I reminded her of what she said before I paid and she hung up on me. When I call back everyone that I talk to at AFNI now says that account will not be deleted.
Product: Mortgage

Submitted mortgage payment by mail on XX/XX/XXXX. Payment was due on XX/XX/XXXX. Paid {$7.00} for 2 day delivery, which should have arrived on XX/XX/XXXX. Checked to see if payment arrived during the week. Spoke to some on XX/XX/XXXX and payment still was not received. On Monday, XX/XX/XXXX received a notice that payment was received in P.O. Box on XX/XX/XXXX and a late fee was being accessed. The late fee is {$100.00}. The mortgage is held by Quicken Loans , Inc . I was told that only one late fee can be waived, during the life of the loan which I didn't know. Going forward I will pay either online or through the bill payer, because payments just sit in the P.O. Box and appear to not get posted daily. I don't understand why it took 6 days, when I paid extra money for 2 day delivery. The person I spoke with sarcastically said that's why they encourage most people to pay over the phone. No one had ever told me that previously.
Product: Credit reporting or other personal consumer reports

I have two issues to report. 

First, I noticed two accounts on my credit report with XXXX. You removed one account, but the other XXXX account is still pending. As a result, my credit score hasnt changed. When you removed XXXX account from my credit file, my credit score should have increased, but its still the same. I expect my credit score to improve when something is deleted from my credit report, & plus when two hard inquiries were deleted is still same as-well. However, my credit score remains unchanged.

Second, I may have opened an XXXX XXXX XXXX  profile but they reported in my credit file without my permission. As a result, my credit score has decreased by three points. I never authorized them to open an account in my name only authorized for a profile. I want this account deleted and my three points restored. I contacted XXXX and closed down the account, but Im concerned that this may further damage my credit score. I just want my credit score back to what it was before I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Transunion and XXXX  requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Debt collection

I had a visa account with XXXX. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX  report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.
Product: Checking or savings account

I would like to understand why my account was withdrawn from without my permission. Additionally, I want to know the reason behind my account being frozen and my funds being withheld. I did not receive any explanation for these actions, and my account was subsequently closed without any notification.
Product: Credit card or prepaid card

I have been a XXXX XXXX card holder since XX/XX/XXXX. It is serviced by CitiBank now. I have never failed to pay my bill. 

In XXXX of this past year, CitiBank alleges I signed up for e-statements. I did not - if anything occured, it must have been a default setting where you receive e-statements unless you unclick a box. I do not receive e-statements for other credit cards because these emails go to spam and I don't check my email as it is full of advertisements and junk. 

I charged {$18.00} in XXXX of this year to my card. I have never received a bill or a written notification. Today, XX/XX/XXXX, I logged into my email account to check a shipping notice for a XXXX item, and there happen to be an email from XXXX XXXX. I thought it was a spoof as I new I had not used the card recently and the email stated I owed {$110.00}, but I called Citibank to check. 

Today Citibank stated I owed {$110.00} due to interest and fees for the {$18.00} charge. Citibank offered to reduce the bill to {$72.00}, one month 's charge and interest. I did not even know I was enrolled in E-Bill. I have never paid late on a paper statement. I believe it is an unfair practice to " quietly '' enroll someone in e-statements, without any paper notice in case this was a mistake. Then, citibank is charging me {$100.00} in fees for an {$18.00} purchase without a single notice sent to my house. 

My credit rating is excellent and I do not have a history of missing payments. I did not choose e-bill enrollment and believe that Citibank auto-enrolled me. I should not have to pay late charges when I did not ask for E-Statements.
Product: Debt collection

Please see attached letter to the " Bureau of Medical Economics '' in XXXX, AZ.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

I attached the original letters I've sent to them trying to resolve this problem! 
Please see files attached!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate t o any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And the only addresses that should be on my account are XXXX XXXX XXXX XXXX XXXX CA XXXX, AND XXXX XXXX XXXX XXXX XXXX CA XXXX all other are Identy theft remove and update
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my bankruptcy case was dismissed by Bankruptcy Judge, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning, and I realized there was a collection that just appeared that isnt mine
Product: Credit reporting or other personal consumer reports

I am requesting a pin from LEXIS Nexis, XXXX, XXXX, XXXX, i have a had some fraudulent activity on my credit report and want to protect my credit.