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

I have been sending letters and notices to Transunion Consumer Solutions to get inaccurate information removed from my credit report. I previously have been trying to get Transunion Consumer Solutions to validate and verify all accounts listed on my credit report. After further review of my Consumer Report all the accounts that are being reported have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which is a fact makes the reporting of all the accounts on my Consumer report inaccurate. This is in my second CFPB Complaint the week, the inaccuracies on my Consumer Report are cause me mental anguish and I hope I wont be discriminated.This is XXXX up how I have to send letters and make complaints about this XXXX. I hope no one else has to deal with this XXXX. I have a family, and I have been hurt by COVID. Having my information being reported on my Consumer report inaccurate is not fair to me.
Product: Debt collection

filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on XXXX XXXX loan. Have a XXXX form sent from XXXX XXXX for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by XXXX XXXX. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from XXXX XXXX. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX with less than 15k miles on it from Carvana. I also purchased the extended warranty through Carvana from XXXX XXXX warranty which was the only option that Carvana allowed and now less than 4K miles later, and less than a year later the convertible roof malfunctioned and Carvana will not cover nor will the warranty company. The repair costs is estimated atXXXX and that is why are they are denying although the warranty company is siting the broken top as cosmetic however that is not the case. Also, the back window is partially collapsed and I can not drive it without fear of theft or further damage.
Product: Credit card or prepaid card

I am being abused by American Express and this is no lie. On Saturday XX/XX/2020 I received a text message at XXXX XXXX  from American Express. I called them back. Three different times, American Express tells me I am 60-days pass due for an amount of {$130.00}. My due date was XX/XX/2020 and I submitted a payment that was I short of {$170.00}. That was my error for selecting the wrong charges to pay over time and both American Express and I were aware of it and we had a long phone conversation about it. I was upset about the late fees so the rep was kind enough to back those out. Then out of nowhere, the XXXX storm begins. American Express tells me I am 60 days pass due for an adjusted amount of {$130.00}. I was strong armed into paying {$130.00} even though I had until XX/XX/2020 to pay the shortage. I pay the pass due amount on Saturday XX/XX/2020 and received a confirmation email. Then on Sunday, out of the blue, I get another XXXX storm of emails from American Express. My American Express card was suspended in XXXX XXXX. A second email from American Express wanted to " thank me '' for my recent commitment to make payment ( s ) on my account, i.e., a Payment Commitment Confirmation with a " Pay Bill Now '' link to pay {$130.00} and to also thank me for my card membership. I get a third email from American Express to inform me that my American Express Card was reactivated in XXXX XXXX. Then, I fourth email from American Express informing me that I have a payment due by XX/XX/2020 that includes an additional {$130.00} on top of the minimum payment due by XX/XX/XXXX. So, as American Express pointed out to me, that I had a good payment history but in light of recent events ( presumably late payments ), that is the reason why I am now treated this way. I have not checked my credit reports yet. The reps I spoke with at American Express tells me " not to worry '' but I suspect, American Express may have already submitted negative reports to the three major credit bureaus. This is my 2nd complaint Since XX/XX/2020 about the same issue.
Product: Credit card or prepaid card

Account number ending in : XXXX Wells Fargo case number : XXXXThe XXXX XXXX XXXX XXXX XXXX. accounts that you may be responding to, were not being reported by XXXX nor XXXX  ... however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.
Product: Mortgage

My home mortgage account was never interrupted nor Discharged through Bankruptcy XXXX XXXX on XX/XX/XXXX, as posted on my XXXX report. I've never missed a payment and the reason this account is currently closed is because I've re-financed this balance for a much lower rate with XXXX XXXX XXXX XXXX Bank on XX/XX/XXXX, therefor this balance with Suntrust Bank was paid off by XXXX XXXX XXXX XXXX Bank. I'm attaching mortgage account with initial balance in XX/XX/XXXX and Insurance Policy for same mortgaged property.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation into the XXXX  account dispute on my credit report. Despite providing evidence of significant discrepancies across credit bureaus, Experian has not addressed these errors, negatively impacting my credit score. 

Discrepancies in Account Information Date Opened : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates do not match, indicating reporting errors by Experian. 
High Credit Amount : XXXX and Experian : {$2600.00} XXXX : {$1300.00} The high credit amount reported by XXXX differs significantly from that reported by Experian and XXXX. 
Last Reported Date : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX  Additional Comments : Experian states that the debt was " sold to another lender, '' whereas XXXX reports the account as " charged off as bad debt and transferred or sold. '' Violations of the FCRA According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable investigation when a consumer disputes information in their credit file. However, Experian redirected me to the creditor rather than investigating the discrepancies as required by law. This response violates FCRA guidelines, as the law mandates that credit bureaus, not consumers, verify disputed information. 
Furthermore, if the information can not be verified within 30 days, the FCRA mandates its removal ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Experian has failed to correct or remove the inaccurate information, obstructing my consumer rights and causing unjust harm to my credit profile. 

Requested Resolution In light of these FCRA violations, I request that the CFPB take the following actions : Require Experian to Investigate and Verify : Ensure Experian conducts a complete investigation, verifying each element of the disputed account with original source documentation. 
Mandate Deletion of Unverifiable Information : If Experian can not verify the account details with the creditor within the 30-day period, order them to delete the disputed information from my report. 
Monitor  Experians Compliance : Evaluate Experian 's dispute-handling practices to ensure consumer rights under the FCRA are upheld. 
Supporting Documentation I am including relevant credit report excerpts and correspondence with Experian to substantiate this complaint. 

Thank you for your attention to this matter and for helping protect consumer rights.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX : {$9600.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX 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
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 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 error resolution requirements under the electronic act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations
Product: Mortgage

In 2014, my initial mtg servicer, extended a modification for my loan, which was approved and executed XX/XX/XXXX. The title company of my home decided to make changes of servicer from which I never received any notification. My mortgage was being paid directly to the Title owner of the company until the bank rejected the third payment. That is when I found out about LoanCare who is the new Servicer. During my conversation with them, they supported me via email with the actual mortgage amount that I was suppose to be paying, I challenged the amount even though it was in my favor, because it was n't what I had modified my mortgage to. They are not accepting my modification, they are forcing me to pay the higher amount they are assigning to me and they have send my files to the attorney without any written notice. I have a large amount of emails from the the title that my mortgage was even lesser than my modification. Yet trying to be honest, I challenged the amount that was {$300.00} dollars less. I had {$7500.00} in escrow and because they are claiming that my mortgage was short. they have decided to send me to their foreclosure attorney. I have till XXXX XXXX to pay an exuberant amount of money based on the mortgage they assigned to me vs my executed modification and they also returned back to me {$6000.00} of funds that were sitting in escrow and only applied the {$1500.00} on XXXX XXXX which happens to be the amount they claim is short to begin with. So they are not accepting my modification, but they applied the funds that were left in escrow. I do n't want to loose my home on the fact of {$3000.00}, or less due to a severe clerical and unjust error from their end, I feel as if this is almost fraudulent or a scam from their behalf. I do hold an executed modification and my time is ticking with the opposing counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX AT XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across Equifax, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX  XXXX accounts XXXX XXXX XXXX accounts XXXX XXXX accounts XXXX XXXX XXXX accounts XXXX XXXX XXXX  accounts XXXX XXXX accounts XXXX accounts XXXX XXXX accounts
Product: Mortgage

Closed the loan in XX/XX/21. 

The loan has had a continual overfunded escrow account and servicer has refused to adjust the monthly payment. 

The escrows are {$960.00} for insurance and XXXX for taxes a year for a total annual expense of XXXX, the escrow account has {$4800.00} and they are collecting {$570.00} a month. 

Each time I call which has been 5 times I am told an escrow analysis will be done and the payment adjusted and the surplus refunded yet they never do what they say they will do.
Product: Debt collection

XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; was disputed with another collection company by the name Capio Partners for {$360.00} ) on XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the GM that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Im expressing my concerns here regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues using this platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The cfpb findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer privacy and safety!
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could XXXX XXXX XXXX and XXXX XXXX. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information XXXX XXXX XXXX XXXX. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. 

Please Remove this account from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX / XXXX / 2023 - I never authorized this inquiry.
Product: Checking or savings account

Capital one Bank has failed to submit my direct deposit. It is now going on 3 days. I work hard at my job and expect to be paid on time. Not only has this affected my peace by adding stress, but also my ability to pay bills on time and take care of my family. They stated funds will be available by Thursday XXXX Friday XXXX, and it is now Saturday XX/XX/XXXX and my money still has not been deposited. This is unacceptable! I can no longer trust them as a bank.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt 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 the appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''