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

On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that a 7 yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Product: Credit reporting or other personal consumer reports

This was an item I do have one that is correct. I was trying not to overdo but find out if it was during the same time frame as other places on all 3 reporting agencies so I only wanted to ask. I in this area had mail at my residence. If it was a different timeframe it is possible but if it has no impact I can not know if as with other places if it is opened by someone with my information. It is possible but if it does not impact either way I am unsure. Meaning likely not. But if they do have something that shows that it was mine that is fine. Not a complaint but unlikely to have more than one in same area if same time frame as mentioned it would be before legal name change. Thank you
Product: Credit card

I need your help to review accounts from companies incorrectly reporting late payments. After being laid off, I asked them to forgive these payments, and they agreed, but they are still marking them as late. I have reached out to them with no response, so Im turning to you as my final option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have these items removed from my report and no one is responding or deleting this misinformation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking to verify as accurate : Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

Disputed {$600.00} charge from XX/XX/XXXX from Full XXXX. We were sent all the wrong colored tshirts and sweatshirts we ordered and merchant just argued with us. I disputed it with Capital One for many weeks. They came back to say we were already given a partial refund from this company ( {$250.00} ). This refund was for a separate transaction with Full Spectrum. We cancelled screenprinting on another order after we received this bad order. 
Then Capital One removes the refund the merchant gave us and charged it back to our card. We are now owed a refund of the {$600.00} + {$250.00} PLUS INTEREST I have faxed 10+ times back and forth and they will not help me. 

I have many, many pages on this. I can email all of the correspondence I wrote back to them, please let me know what email or fax to send them to. Thank you so much for your help!
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 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 ( 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 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 redresa for these violations.
Product: Mortgage

I made my XXXX XXXX mortgage payment on XXXX/XXXX/XXXX over the phone with a live representative, she waived the additional fee for making a " just in time '' payment and provided me a confirmation number ( XXXX ). In trying to refinance my mortgage recently, I discovered that my XXXX payment was reported as 30 days late. I called customer service to find out why and I was told by the representative that my payment was not processed until the XXXX XXXX. I informed him that my payment was made on XXXX and the representative assured me that it would be posted on XXXX and that was what my confirmation number was for. The representative on XXXX/XXXX/XXXX told me that the bottom line is my payment is 30 days late because they did n't process it until XXXX XXXX and that was the bottom line. He then refused to speak to me further because of an old notice from XXXX where I had an attorney representation and because of a cease and desist letter from then constantly calling. I explained that I wanted this matter resolved ASAP and that I wanted him to explain what was the purpose of them providing a confirmation number if he ca n't look in the system to confirm their own number.
Product: Mortgage

Hello! My problem is with Wells Fargo Mortgage ( WFM ). They illegally changed my Adjustable Rate Mortgage ( ARM ) to a 30 year fixed Mortgage. Ignoring the terms of the original contract. Which over the life of the loan will cost me an additional $ XXXX- {$50000.00}. I have contacted them many, many times about the illegal transaction but they refuse to reinstate the contract to it's original terms. I contacted the Washington state Attorney General and because of that ( WFM ) made me a counter offer but did not reinstate the contract to it's original conditions. Also in the counter offer contradicted the original contract terms. At this point i think they are writing these contracts with the terms they want and are getting farther and farther away from the original contract. My loan was a small loan but on a larger loan this could be a very lucrative mistake! For ( WFM ). But what really scares me is there are millions of ( ARM ) loans written every year, how many of those have the same problems as mine and are not being corrected? Thank you very much for the help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.
Product: Credit reporting or other personal consumer reports

I have had multiple breaches of my PII. As a result, I have credit monitoring already in place at Experian XXXX XXXXXXXX. Most recently, XXXX XXXX XXXX breached all my PII and sent me a letter with a code to sign-up for XXXX of credit monitoring at Experian XXXX XXXX. I contacted them about how to add this XXXX to my existing membership, and they said they will not do that but I am welcome to create a new account ( which would be 100 % duplicative ). 

It is already a scam and injustice that XXXX XXXX XXXX got off with a mere XXXX of credit monitoring after releasing my name, phone, address, date-of-birth, and social security number. I will need LIFETIME credit monitoring to be protected. However, now the credit monitoring they offered me is being refused by Experian so they can keep the money from XXXX XXXX XXXX without providing me even the most basic of service.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, my husband paid the remaining account balance of {$2500.00}. The transaction withdrew from my account on XX/XX/XXXX. On XX/XX/XXXX, we called and asked to get a XXXX-balance verification. Conns stated that they did n't show the payment being made. We were then transferred to the customer service line. The individual we spoke with stated they would start an investigation and requested a copy of our bank statement be emailed to them. We emailed it to them immediately that same day on the XX/XX/XXXX. We spoke with customer service again on the XX/XX/XXXX. They originally stated they could not find the bank statements, but were able to locate them. On the evening of XX/XX/XXXX, I went into the XXXX store location at XXXX XXXX XXXX XXXX XXXX XXXX, TX. I brought a copy of my bank statement in hand. I asked to verify my account balance. It still showed {$2500.00}. I asked the representative to please speak with the manager. She leaves only to come back and dial the customer service line. I advised her that I had already spoken with them and did n't feel any progress was being made to please get the manager. She hands me the phone to speak with customer service. They again stated they would look into it. I suggested that I could have my bank send them something directly or I could pay to have the bank notarize a statement. I expressed my urgency ; needed this verification by XX/XX/XXXX. She stated she could n't help me. I can understand needing to verify that I made payment. I do not feel it 's appropriate for them to allow the customer to feel the consequences of their mistakes. They knowingly admit to the fact that I paid the balance. What they are " investigating '' is what happened to the money after they received it. All while leaving my account open and telling me multiple times I still must make payments until rectified. The manger never came to speak to me. The manager did not even acknowledge I was there. I waited 30 minutes. I this point I 'm fairly certain that a simple accounting error would have been corrected in 48 hours or less. I 'm worried now that either the associate stole my payment or appropriated it to someone else 's account. Either way they have no sense of urgency about correcting it. I again called the customer service line on XX/XX/XXXX, I asked for an email or letter stating the situation and that it is being investigated. The customer service manager stated that they would not comply due to liability issues. Yet they have no qualms with holding me legally responsible to make payments on a now fictitious account. This situation has been verified to be an internal problem. It should have been handled internally. This is not only poor business ethics at some point it becomes theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Missouri XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX  account status as derogatory, Experian account status as Closed, XXXX  account status as derogatory, so 2 credit agencies are reporting as derogatory, but Experian reporting as closed, which means not derogatory. As a creditor, you can not report different information between credit agencies, which is a violation, so delete this account immediately. Secondly, XXXX  reporting a high credit of XXXX, Experian reporting a high credit of XXXX, and XXXX  reporting a high credit of XXXX, you can not report different credit limits between agencies, so delete this account per violation. Third, XXXX reporting payment status as collection/ charge off & comments as transferred to another lender, Experian reporting payment status as late 120 days and Comments as purchased by XXXX XXXX XXXX XXXX , and XXXX   payment status as collection/ charge off and comments as consumer disputes. You are reporting different payment status, and comments between the credit agencies, which make this information invalid, and you are reporting this debt as it is due to you, but you stated it was sold. This is clearly a violation, delete this account immediately per violation. 

You can not report an account that you have no legal right to collect because, You do not have a verbal or original written contact with my bearing my signature on it, stating you have the right to collect. In addition, you are reporting the debt as sold. I have enclosed a snapshot of my credit report showing the reporting/ proof. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with bearing my signature and please do not reply with a copy of an copies of credit card statements, or information from third party collection agency, as this do not validate the right to collect and will not hold up in court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

Wanting to pay my line of credit in full. However, I need to update my banking information for that pay off. I can't update banking information online. I have spent the entire day trying to reach someone at NetCredit. Their phone system has disconnected me 5 different times after waiting online for 15 minutes. I finally got through and ended up sitting on an open line for 45 minutes. I could hear the agent singing and talking and it sounded like she just answered the line and then set it down. She was not on other calls because nothing she was saying sounded like business. While on the 45 minute open call I decided to call from another line and have now been sitting on that call for 40 minutes, no music nothing just the occasional static. 

Seems to me that NetCredit would like it near impossible to pay this line of credit off so that an individual doesn't have to continue to incur outrageous fees. My pay off is going up hundreds of dollars everyday I don't get it paid off. 

I did also send an email, but the auto response said it could be several days and suggested I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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

My wife and father received calls From Direct Recovery Services regarding a supposed debt owed for XXXX XXXX and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I file several disputes over the years and nothing has been done. XXXX, XXXX and Experian are all reporting inaccurate and incorrect damaging information on my credit reports. I have yet to be successful with them properly and 100 percent accurately reporting! Ive asked for deletion, validation, verification and proof of numerous accounts amongst the XXXX in writing. Even reached out to the creditors reporting this information advising them of their errors and violations with no results either. They are violating my FCRA rights and I want to advance my rights to monetary claims from the law breakers. Please help me with this. 

I have proof of a collections that was clearly paid but they are reporting inaccurate dates of payment and the creditor XXXX XXXX XXXX XXXX XXXX XXXX that sold this to XXXX is reporting it is included in a bankruptcy. Which is not true because it has been paid. I have they it was PAID. The reporting paid date on my other XXXX credit reports said it was last paid on XX/XX/2021 but it was paid on XXXXThey both have XXXX reporting each on all XXXX credit files and are inaccurate and damaging to me and my livelihood. Ive tried all I can to resolve this over 2 years now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a claim with the CFPB, asking that they look into the information that Transunion is reporting. This was probably the laziest " investigation '' I have come across! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, the disputed items still remain inaccurate and unverified! I demand a reinvestigation and I do not consent to E-Oscar! Transunion obviously has no respect for my privacy! Transunion never addressed not responding to my disputes upon confirmation that they were received via USPS tracking. Transunion did not address my right to privacy being violated by XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Transunion never addressed how these companies obtained my nonpublic personal information such as my social security number and other personal details which I did not provide them with or consent to them having! Transunion did not address how XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never gave me the opportunity to opt out of consumer reporting. If I established a relationship with these financial institutions, where is the adequate clear and conspicuous disclosure notice that was allegedly signed upon establishing the relationship!? Transunion did not address how the information is inconsistent with other major credit reporting agencies. Who is right, who is wrong? If Transunion can not provide me with physical proof establishing 100 % accuracy of their reportings, they ned to delete the information! Lastly, Transunion did not address the incorrect payment data for XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, Do not delete these two accounts, just update the payment information to on-time, being that I did not miss any payments! Overall, updating information is not proof of an investigation! There were serious claims that they did not address or provide me proof of.