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

Disputing late payments that were paid on time but showing late on my credit report. 

XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX Showing late payments as well XXXX showing late time All shown around the same time but all paid on time per the company 's guidelines. 

Please have these updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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 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 has violated my rights. 


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.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and Experian is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} Experian * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. Experian is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} Experian is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX  XXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter with a pre-approval of an amount of XXXX from the CASHNET company, I carried out the process online in XX/XX/XXXX, just to see if it was convenient for me, the site was never informed of the interest amount that they were going to charge me, Additionally, I was presented with an advertisement that I had to advance an amount of XXXX to access that loan, but it did not have that amount at that time ; The next day, XX/XX/XXXX, {$1000.00} was credited to my account. I proceeded to enter the site but I did not obtain information about the payments. After a week I was able to access the information again, indicating that I had to pay 325 % annual interest. I have sent emails to the company to reconsider the interest they are giving me, which is really unacceptable. It is fine to consider a loan with 100 % interest, but that value is irrational. I request help so that the Cashnet company grants me an interest rate that is in line with the market. 

Message : Good evening, XXXX. 
You have {$0.00} of available credit, which does not meet the minimum of {$50.00} needed to request a draw. 

Interest Rates and Interest Charges Annual Percentage Rate ( APR ) for Cash Advances 325.00 % Paying Interest You will be charged interest from the Transaction Date ( defined below ).
Product: Money transfer, virtual currency, or money service

{$4000.00} were withdrawn by Western Union ( WU ) from my XXXX XXXX  on XX/XX/2022 with commitment to deliver same in dollars to me in XXXX on XX/XX/2022. BUT when I presented myself on XX/XX/2022 I am offered Guaranies or nothing. Personal visits to WU offices in XXXX where the money was promised delivered on date certain ( XX/XX/XXXX ) gets me " WESTERN UNION TELLS US NOT TO PAY IN DOLLARS. '' And " we are not banks, when we collect sufficient dollars we'll contact you. '' Tel-con to three WU agents in XXXX I am repeated " we are not banks '' and " you can be paid now only in XXXX. '' Nice scam. I rejected delivery in XXXX specifying dollars because WU exchange runs 5 % lower than local exchange houses!. Tel-con to WU US only gets me " nothing is lost you can get your money back when you return. '' Imagine! Instead of receiving contracted amount I am treated as a source of interest free money for WU!

Asking to speak to a supervisor produces, " call back in 20 minutes '' and I'm not allowed to give supervisor 's name. '' Essentially XXXX XXXX XXXX These third party so-called customer support are little more than CYA for the company as no responsible person can be reached unless by pure happenstance!
Product: Mortgage

I had a home loan with Freedom Mortgage which I refinanced on XX/XX/XXXX. The loan is now paid off. On XX/XX/XXXX, prior to the refinance, Freedom withdrew {$3800.00} from my impound account to pay my property taxes. For reasons unknown, Freedom did not send the funds to the tax assessor timely. In order to complete my refinance, I was forced to pay my property taxes out of pocket with the promise that the check from Freedom mortgage would be an overpayment and refunded to me. 

I contacted the county tax assessor to see if duplicate tax payments were received.The assessor confirmed Freedom 's check was received after they received payment from the title company on my refinance. The tax assessor advised the overpayment needed to be refunded to Freedom Mortgage and Freedom would refund the money to me. 

I logged in to my account with Freedom Mortgage and see that the refund from the tax assessor was credited to my impound account on XX/XX/XXXX. I've been waiting for a refund that has never been sent. Instead, Freedom has been holding {$3800.00} of my money on a closed account and refuses to refund the money to me. Freedom has also assessed a {$190.00} recording fee twice on my account, once on XX/XX/XXXX, at the time of payoff and again on XX/XX/XXXX - a month after payoff, with no explanation whatsoever. 

I sent a secure message through their website on XX/XX/XXXX and received no response. I called on XX/XX/XXXX and was told the refund should have been issued within 14 days of their receipt of the funds in XXXX and he did not know why the refund wasn't sent to me. He assured me he would get the refund processed and the check would be issued no later than XX/XX/XXXX. 

I logged into my account today and the impound account credit of {$3800.00} is still sitting there on my closed account. I have spent another hour on the phone today with a service rep that was nice but couldn't help me. I was told her supervisor would need to research this and get back to me. 

I have spent a tremendous amount of time dealing with Freedom Mortgage with no success. The gamesmanship needs to stop and their business practices need to be investigated.
Product: Credit card or prepaid card

Each month my payments are being held for extended periods of time. I have made consistent paid in full payments throughout the time I've had the card. The issuer continues to hold the funds long past the time the funds are collected from my bank account. The most recent event is as follows : - XX/XX/2021 : Made payment for {$1800.00} - XX/XX/2021 : Funds are withdrawn from my checking account - XX/XX/2021 : Called customer service to discuss the issue ... nothing was done - XX/XX/2021 : Funds are still not available for use This is a consistent pattern with the card issuer and I would like for it to be resolved. When the funds are collected, the funds should be made available.
Product: Mortgage

Hello, We 've reached out to the servicer of our mortgage because we had an escrow shortage. We called the company in the beginning of the month to get this straightened out. We were told to email a copy of our homeowner 's declaration page to have our account reanalyzed. We sent correspondence on XXXX XXXX, XXXX and XXXX. We 've had no help and no one on the phone will assist. The mortgage company over estimated our escrow analysis. While I know we still will have some shortage we 'd like a correct escrow analysis completed. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested the credit bureaus do a verification of a few account for accuracy. They completed their investigation with the companies in question ad stated all information was verified and accurate. i decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the FCRA, these creditors listed below has violated my rights under 15 U.S.C 1681 sec 602A. states I have the right to privacy 15 U.S.C 1681 sec604 A sec 2. States a consumer reporting agency can not furnish an account without written consent 15 U.S.C 1681 sec 623. All data must be100 % accurate and verifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with accounts and collections that are fraudulent
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX  Account Number : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for an online loan. The only site to approve me was XXXX. I went through the verification process, received the loan and started the repayment process. I started to read reviews on this company and I found out this business is not licensed in Nevada, however they have been charging me outrageous fees. How do I get them to stop before they send wage garnishment requests to my employer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notification of a debt collection added to my credit report but have not been contacted by phone or letter regarding the validity of the account claiming to collect. Debt Collector XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, CA XXXX Balance {$460.00} In accordance with the Fair Credit Reporting act for the following XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 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
Product: Debt collection

I had problems with a closed credit card account from Barclays. After a difficult prolonged time of back and forth phone calls, I received a letter dated XX/XX/2021 from Barclays stating that I would no longer be contacted reguarding this closed account. 
On XX/XX/2021, I received a letter from a collection agency about the closed account asking for {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that my information had been breached with XXXX XX/XX/2019. I clicked on the link in the email that was provided : XXXX XXXX XXXX to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. XXXX confirmed that during the data breach my personal information was exposed.
Product: Checking or savings account

Opened account with special offer {$250.00} for opening account with XXXX $ and set 3 recurring payments within 60 days. Met all requirements but newer got {$250.00} bonus.

Multiple employees confirmed that I'm qualified for this promotion and for last 3 month keep saying that it's just a technical issue with account to be credited. First call I was promised 3 weeks  ETA, at next call another 3 weeks, and so on. Last call not even ETA promised, they have " no more new information for me at this time ''. According to special offer attached it supposed to be 91-100 days which is XX/XX/XXXX-XX/XX/2018 at most since I opened account in the beginning of XX/XX/2018. Now it is XX/XX/2018 and still no money, just excuses.
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/year> from XXXX XXXX XXXX that stated " It looks like a lender recently checked your credit report. '' I checked the activity and the lender was Capital One. The credit report came from XXXX. I called XXXX customer service to report this hard inquiry which they then suggested that I submit and fraud report on the ftc.gov which led me to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2022, and it's now XX/XX/2022. It is now past the 30 days in which to respond. I submitted proof of my incarceration and my identity theft reports. At no time did Experian temporarily block the fraudulent items until the furnisher responded. I showed proof that I was not even able to apply for anything. Someone clearly used my identity. Please see complaint XXXX. Which has all the proof associated with my complaint. At this point, my rights are being violated as a consumer under the FCRA. Since my identity has been used Experian should have acted immediately to protect me the consumer, the way that XXXX and XXXX both removed the fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not resolved my concernXXXX XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an alleged debt that I am not claiming.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of of a thorough investigation. This practice violates the fair credit reporting Act ( FCRA ), 15 u.s.c. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. 
Thes are the accounts Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$510.00}. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX  XXXX XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry.
Product: Debt collection

I received a letter from Phillips & Cohen Associates trying to collect an alleged debt that I do not owe.
Product: Credit reporting or other personal consumer reports

This is an application that is available to help people with their credit, but it did the opposite to mine. I enrolled in a " fake line of credit '' so I could attempt to rebuild my credit history. They are a scam! They make it sound like you are getting a credit account but dont tell you till after you agree to it that its just a fake account. I did not understand the concept and attempted to disengage. Meanwhile, they were attempting to charge me {$20.00} a month and dinging my credit because I changed banks, and they were not receiving any money. Let me be VERY clear, I did not borrow or receive any money from this application. They are treating me as if I defaulted on a credit account that he never received. You are essentially paying for an account that gives you a fake line of credit. If you don't cancel the account appropriately, they keep charging you and report that you missed payments which is what happened to me. The actions taken by XXXX have led to a significant drop in my XXXX XXXX. This drop has caused various inconveniences, including higher interest rates on loans and difficulty in obtaining credit. 

Legal Concerns : According to credit reporting regulations, specifically the Fair Credit Reporting Act ( FCRA ) and other relevant laws, all information reported to credit bureaus must be accurate, verifiable, and up-to-date. The discrepancies and negative entries associated with my account appear to contradict these requirements. Moreover, under the FCRA, individuals are entitled to a fair and accurate credit report, and any inaccuracies must be promptly corrected upon notification. I did not receive a loan, no money was in my possession like a loan or credit card, so I should not be penalized. They have refused to have my credit report updated and these alleged missed payments corrected on my credit reports. There are complaints all over the web regarding this.