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

In approximately the XX/XX/XXXX, I went through a divorce. I reached out to LoanCare and worked out a plan with them to get me back on track. At this point I was approximately 3 months behind on my mortgage. The issue was resolved. Ever since then, they have continued to report on my credit that I have been late approximately 32 times. All between XXXX. This is preventing me from being able to sell my home and move, as well as negatively affecting my credit. I can provide statements from my bank account showing my payments have been on time with the exception of 2-3 that were approximately 5 days late. This is something I have been told several times would be resolved on their end but has not been. According to the payment history on their portal, they did not apply many of the payments I made until MONTHS later. In some cases, the dates on their end dont even make sense. Such as XX/XX/XXXX. 

Please note, when I tried to attach the statements it will not open the pop up. Probably something on my end. I would be happy to provide all of that if you send me an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I was notified that my information has been breached and contacted all creditors that were paid in full and asked for the original receipts with signatures so I could pay any debt that I still owed to bring everything current. When I pulled my credit report it was flooded with old information that was XXXX to XXXX XXXX XXXX that had previously been removed. please delete all this negative information that has no place on my credit report including address, names, creditors, late payments,
Product: Money transfer, virtual currency, or money service

I submitted this yesterday but couldnt find where to add both companies so this is relevant to Zelle, already submitted under XXXX XXXX XXXX 

Sent {$3000.00} to a trusted vendor who Ive done business with for many years. Zelle, through XXXX XXXX XXXXXXXX, showed a completed payment but the vendor never received the money. 

XX/XX/year> Requested an investigation into where the missing {$3000.00} is. They claim to have followed my orders on initiating the transfer but can not confirm if the other bank received it. Denied my request. They claim its on Zelle, but XXXX cant even speak to Zelle as they say it has to be done through XXXX because I used their mobile app to initiate. Only during this drawn out process do I read that Zelle considers their money transfers to be an investment not backed up by the FDIC which is absurd. 

XX/XX/year> Spoke to XXXX  rep that is a fraud and Zelle liaison. She notes Ive done business with these folks many times before with no problem, opens another audit and then commences to sending me the same thing as before two days later. Its out of their hands, Zelle is who to speak to and they cant confirm anything. If Zelle has partnered with XXXX to sell investment vehicles masked as a money transfer service, seeing that on the app the option for Zelle is under TRANSFER FUNDS, then you would think theyd be responsible for the company they vouch to be able to move funds for their customers. 

As of XX/XX/year> the money is still missing and no one can tell me whos to blame or where it went. I just lost my farm in XXXX XXXXXXXX and am lucky to still have any business and thanks to this issue Ill be turning customers away while these financial institutions pass the blame. Obviously now I know never to use Zelle again, and to post everywhere I can on the internet my experience. The next step will be to withdraw every dollar from XXXX XXXX XXXXXXXX and make sure to tell as many people online about this as possible. I hope you can help remedy this. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of my credit report.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cashapp ( BLOCK , inc ) due to inadequate customer service and unfair practices, which vitge Consumer financial Protection Act ( CFPA ). Specifically, cash App failed to take timely 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 cause significant inconvenience and financial and i seek appropriate redress for these violations.
Product: Debt collection

CREDIT COLLECTION SVCS XXXX XXXX XXXX XXXXXXXX, MA XXXX. Has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. The Company does not have a contract with my signature.
Product: Debt collection

I file a dispute with XXXX over some debt that I am not aware about. I was called by credit solutions Corp.  and they tried to bully me about the debt. I never contacted them directly to do a dispute with them. I told the rep. Of the company that if I did a dispute thru XXXX that he is not supposed to contact me by phone. He told me is obvious that I don't know the law and he can call me when ever he wants. He rudely brush me off and told me don't worry the debt will continue to be on your credit report and hung up. Please call me XXXX
Product: Vehicle loan or lease

At the end of my lease, I received an invoice for over {$1000.00} approximately 6 days before the " due date '' shown on the document charging me excess wear. The car was in pristine condition. No support detailing the purported " excess wear '' was provided. I asked for additional information and after four attempts a service rep directed me to a third party report which included blurry and unintelligible photos of supposed wear with minimal notes. The notes I could read were in direct contradiction to the lease agreement 's definition of excess wear. I tried on several occasions to challenge the assessments and the agents would not even explain to me how to formally appeal the determinations. Just another example of a leasing company trying to take advantage of their customers by submitting invoices with no evidence or description and with almost no lead time before payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

We did not even file Chapter XXXX- There is another person with my name that did and it was filed under me instead of them. 
Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XX/XX/2014 so now it shows we filed that as well as chapter XXXX when I didn't! 
Was working to fix my credit and working hard on it! 
Now it's showing that and not allowing me to pay and show my credit cards!
Product: Credit reporting

XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.
Product: Credit reporting

Multiple hard inquiries on my credit report for a XXXX account that is lowering my score. Have disputed numerous times and can not get removed. I did not authorize these multiple inquiries. I do not have a XXXX account.
Product: Checking or savings account

I requested TD bank to supply documentation of transactions from XXXX XXXX to XXXX XXXXWhat I am requesting are transactions from automatic atm withdrawals and deposits and cash app transfers any funds transferred if available bank transfer code
Product: Prepaid card

Numerous times I have tried to call and login online to activate or verify the funds on the card and it only ever tells me that nothing can be found and to try again. The most recent time XX/XX/year> I tried to submit a claim ticket online and that did allow anything to be submitted either.
Product: Credit card

My BP credit card account changed servicers to Synchrony Bank ( SB ) in XXXX, XXXX, and a series of problems began with SB overhanging, adding unnecessary fees, etc. SB refused to resolve any of the issues, so I quit paying on the account, in XXXX, XXXX. SB only continued to add extra fees and changes, pushing the account over the credit limit of {$1000.00}, which continued month after month. I complained that these tactics by SB were in violation of consumer protection laws, such as the Indiana Deceptive Consumer Sales ACT ( DCSA ) ; which carries a civil penalty of over {$1000.00} per violation that a consumer can collect, plus legal fees and other costs, but was ignored. As I am over 60 years of age, the civil penalty under Indiana law is doubled. As there are numerous violations under the DCSA, the civil penalties that I could collect exceed any amount alleged to be owed SB. 

I am sure that there are also violations of Federal laws as well. I know that SB has been under several Consent Orders for misconduct by the CFPB, and by various state attorney generals, and ahs paid millions in fines. 

I also had another account with SB that was full of errors and problems, as SB had filed a lawsuit against me which had robo-signing, fake affidavits, etc. that an attorney discovered. SB was forced in XX/XX/XXXX to withdraw this lawsuit and judgment. SB still owes me money from that illegal lawsuit, which it has not paid. This unpaid amount would also more than offset the {$1000.00} that SB alleges is owed on this current account. 

With all of these problems, SB last month sold the account to a third party debt buyer-XXXX XXXX XXXX, XXXX for pennies on the dollar without adequate notice. SB failed to inform this debt buyer that the amount of the account is in dispute, and that SB has civil penalties from this account and the other account that more than offset any amount alleged to be owed. 

I will now have the same account reported TWICE on my credit report, and the amount of the alleged debt will be wrong. Hence, I will have a violation of the FCRA that is the result of SB hurriedly trying to sell the account.
Product: Credit reporting or other personal consumer reports

I review my consumer report and notice I have a late payment on an account that I was never aware of reporting late in the first place. According to 15 USC 1681a2 ( a ) except as provided in paragraph ( 3 ) the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. The consumer agencies are breaking a law and violating my rights, I ask that you please investigate this matter, and if they can not provide me where in the law it state that a late payment should be furnished on a person consumer report, i demand this payment updated to paid, or reverse. 

XXXX XXXX XXXX XXXX XXXX, 2022
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX Dear Sir/Madam, Subject : Third Request for IRS Form 1099-C I am writing to formally request a copy of IRS Form 1099-C for the debt associated with my account number XXXX. This is my third attempt to obtain this document. As a responsible taxpayer, I require this information for my tax records. According to IRS regulations, creditors are obligated to provide this form when a debt is canceled or charged off. 

To date, I have not received the required documentation, which is causing issues with my tax filings and financial records. I request that this matter be addressed promptly. 

Please send the copy of IRS Form 1099-C to the address listed above or via email at XXXX. For your reference, my details are as follows : - Name : XXXX XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX - SSN : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also forwarding a copy of this letter to the Consumer Financial Protection Bureau XXXX CFPB ) and my attorney, XXXX XXXX XXXX P.A. XXXX to ensure that this request is duly noted and expedited. 
I appreciate your prompt attention to this matter and look forward to receiving the requested form soon. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

XXXX has been and continues to report incorrect information on my credit report to all three credit reporting agencies. 

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

See my XXXX credit report document attached. 

If this is not a XXXX issue, why is XXXX still reporting on my credit reports ; as recent as XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX. 

There are a minimum of 8 items that need to be corrected on my credit report, XXXX is responsible for everyone of these items. If they are not fixed XXXX and XXXX, Transunion, XXXX are violating the FCRA. 

Item XXXX ) XXXX  reporting of account numbers are not the same between the CRAs. 
Item XXXX ) The last date reported in XX/XX/XXXX on two and XX/XX/XXXX on XXXX, XXXX has been reporting in the last month. 
Item XXXX ) Balance owed is wrong between agencies. The loan was at a {$0.00} approved in XX/XX/XXXX by department of education. 
Item XXXX ) If XXXX transferred the loans to XXXX the close date would be XX/XX/XXXX and the dates of on the credit reports from XXXX are XX/XX/XXXX and XX/XX/XXXX. 
Item XXXX ) Account not in dispute? This account has obviously been in dispute for years. 
Item XXXX ) Payment Status is not the same across the board how can I pay as agreed in XXXX CRAs and incorrectly late in another? 
Item XXXX ) Date of last payment is incorrect! My last payment was XX/XX/XXXX. See documentation. 
Item XXXX ) Two Year payment history incorrect. I was under the COVID-19 relief of payment per Department of Education and the CARES/HEROES Acts. No late payments since before XX/XX/XXXX. 

Fix my credit report asap!!! Since XXXX is still reporting on my activity they are responsible to fix my credit reports.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.4 states that you must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to ( 1 ) the customer and ( 2 ) the consumer. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I spent months trying the fix the issue with XXXX. They took forever, which now I believe they did it on purpose. Once I realized it seemed as if they were stalling I went to file a report with my credit card company. Now my credit card company doesn't want to go through with the dispute and not accurately doing anything. XXXX had my return rental sitting on the lot for a while before entering it in the system. They also supposedly had a repo on the card switch the car was returned by the renter of the vehicle. The credit card company is just as worse as the scammers XXXX XXXX XXXX.
Product: Debt collection

I was sued by debt collector Scott & Associates , P.C . for a debt that was believed to be owed by me, however, the case was filed in the wrong county from which I live. This is a violation of the Fair Debt Collection Practices Act, Article 15 USCS 1692i : 15 USCS 1692i 1692i. Legal actions by debt collectors ( a ) Venue. Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.

( b ) Authorization of actions. Nothing in this title [ 15 USCS 1692 et seq. ] shall be construed to authorize the bringing of legal actions by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TRANUNION : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX XXXX XXXX was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon TRANUNION to follow the law : Either provide documentation that the law was followed by contacting XXXX  XXXX XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. They put 83 credit inquires on my credit
Product: Debt collection

They call me over and over 27 minutes apart, every day. The account had been closed at the end of last year due to a lack of income from me because of impacts from Covid-19 and they put me on a repayment plan, and its been discussed with the company multiple times. Yet Comenity is still calling me over 15 times every day from XXXX until XXXX.
Product: Mortgage

We were notified by letter XXXX XXXX, XXXX that we were owed {$940.00}, a XXXX Escrow Ck - and that a check had been issued to us but not cashed. It stated we needed to respond no later than XXXX XXXX. My husband called XXXX, they said we would have in 20 days. 
Never received, called again XXXX/XXXX/XXXX. Never received. 
We received a certified letter dated XXXX/XXXX/XXXX. I called XXXX, was told we would have check in 7-10 business days. Never received, called again XXXX, was told the check should have been returned and that he sees no notation on acct. since XXXX. I am told to call back after XXXX so they can investigate and then get the check expedited. 
On XXXX I called and was told they would look into it. ( by supervisor XXXX XXXX. ) Never heard back..
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}