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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

In late fall XXXX, my mortgage lender Green Tree sent me a no cost refinance offer in the mail. I had about 9 years remaining on my mortgage and a decent rate since I has refined at least XXXX times since I owned the property. I began speaking with a Green Tree rep, XXXX XXXX and she indicate no problem, of course a free loan, ( I clarified verbally and by email, not cost deferred, free ). Approximately XXXX XXXX, a notary was sent out to meet me for my signatures, I noticed approx. {$1800.00} of fees. I called this rep and she indicated she would have the docs redone. ( I have emails to her regarding this communication. ) Approx. 2 weeks later, after repeated delays and excuses, I again went to a coffee shop to meet the notary for the second set of docs. I was told because of an amount difference not accounted for by the reps assistant that I needed to bring a check of approximately {$600.00} to the signing. I was on my way to work, in addition to that the rep and I had communicated clearly verbally and by email on why this second signing meeting was necessary, I signed the documents. For approx. 6 months after this experience, I did not receive any loan statements from Green Tree. 

After calling to inquire, the statements began arriving and only recently after repeated request did I receive most of the 'missing statements from the time period. I took this statements and finance papers to my tax prepare to review. He indicated to me I had fees and points paid to Green Tree, completely against what was agreed from the get go and after repeated attempted repairs and communication on my part to this mortgage rep. I am appalled by the audacity and presumptuous disrespect of the public this rep, XXXX XXXX has in representing Green Tree and myself on one 's largest financial transaction in a lifetime. ( Do Note : Dictec has assumed Green Tree as of mid XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for its continued failure to accurately report my credit information, despite multiple disputes and supporting documentation. Experians actions have not only harmed me financially but also contribute to systemic economic discrimination that disproportionately affects the XXXX community. 
I am a documented survivor of human trafficking and have provided Experian with all necessary paperwork to correct inaccurate and harmful information on my credit report. XXXXXXXX XXXX  has worked directly with me to remove incorrect negative items, and XXXXXXXX XXXX has properly closed my account in good standing. Despite these positive changes, my credit score dropped by XXXX pointseven though I have done nothing financially wrong. This unjustified decline is directly harming my ability to access financial opportunities and rebuild my life. 
I have also explicitly requested that Experian cease reporting and sharing my credit information, as their inaccurate reporting is actively damaging me. Yet, they continue to report false information, disregarding both my legal rights under the Fair Credit Reporting Act ( FCRA ) and the corrective actions taken by my banks. 
I am requesting the CFPB to : 1. Investigate Experians refusal to correct my credit report despite clear evidence.

2. Enforce penalties against Experian for failing to comply with federal credit reporting laws. 
XXXX. Require Experian to cease reporting and sharing my credit information, as their actions are causing ongoing harm.

Experians negligence is not only impacting me individually but is part of a larger pattern that keeps XXXX individuals and marginalized communities economically disadvantaged. Their refusal to properly update my credit file has unfairly lowered my score and limited my financial mobility. I urge the CFPB to take immediate action to hold Experian accountable. 
Thank you for your time and attention to this urgent matter. 
Sincerely XXXX XXXX
Product: Credit card or prepaid card

My AARP/Chase Visa card needs to have plain English info about who each payment was made to as well as contact information for each charge. My monthly statement had a charge that had cryptic text for the company I paid with no contact information. Chase had no idea who they were or how to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts I listed are fraud
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I tried to move from my wallet into a exchanger and it said 72 hours waiting time. Somehow i thought maybe the vault will be faster ( XXXX  me ) I havent used the Coinbase account for more than 3 years and my secondary e-mail address doesn't work anymore. Tried it and it bounced. I contacted support via the phone number listed on there XXXX Waited for 50+ mins calling from the XXXX.. Got someone on the line and they said they moved my case to another expert team for this and they would move my coins back to my wallet and they would delete my vault. Now more than a month later no answer what so ever.. the reply on my ticket says " I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' Define shortly ... Not happy about this!
Product: Vehicle loan or lease

I have a loan with HONOR FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and HONOR FIN with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX.
Product: Student loan

My school is XXXX Unviersity, XXXX XXXX XXXX XXXX, XXXX, NY XXXX They contract their payments to Campus Partners, who just this month began charging XXXX per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that paying electronically for student loans is the " convenient '' and not absolutely standard option. I 'm incensed to have to pay and pay and pay, since I may have to pay in several transactions, incurring XXXX per transaction to pay my loan. ( +interest )
Product: Credit reporting or other personal consumer reports

this public record is supposed to be removed a long time ago but they never remove
Product: Debt collection

Around XX/XX/2020, I called XXXX XXXX XXXX XXXXXXXX to have service in my service and they were supposed to ship me an equipment. However the equipment took so long and i cancelled the service. 
The equipment still arrived and once i received their equipment, i called them and asked them how to return the equipment and XXXX XXXX XXXX told me to return it at any XXXX store. So I went and return the equipment. 
I NEVER CALLED XXXX XXXX XXXX to activate their equipment and I HAVE USED XXXX XXXX XXXX XXXX XXXX for any places I have been. 
So I was surprised that XXXX XXXX XXXX send my information for collection debt to an agency called SUNRISE CREDIT SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I called that agency and told them I have never had any type of business service with XXXX XXXX XXXX XXXX  but since they are a collector agency, the only thing they want is to wrongfully collect your money unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted these companies about the credit inquiries on my report ask them to send me something with my signature or proof I have them permission to run my credit. They still have not sent any information to me. Also I disputed with all three credit bureaus and inquires are still on my report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these collection items showing on my credit report before but then they keep reappearing. XXXX is showing 2 collections items on my credit report, NEITHER of them are mine or related to me. 
Prior Dispute Report # XXXX 1. Credit Collection Service- acct XXXX for XXXX- XXXX XX/XX/XXXX & XX/XX/XXXX Prior Dispute Report # XXXX 2. XXXX XXXX- # XXXX I have never lived in California , nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed XXXX of in my initial dispute. 
I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with. 

I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Product: Credit reporting

I entered Experian website to get credit report. The screen where I was to enter my credit card number to receive this information showed a {$1.00} charge. AFTER I entered this information, the NEXT SCREEN indicated I would be charged {$39.00}. 
EXPERIAN is dishonest and should be fined for this deception.
Product: Credit card or prepaid card

A tender of payment was sent to TD Bank In a form of a money order with written instructions. Each rep and supervisor that I spoke with would not express yes or no to accepting my tender of payment. They all accept the money order and did not follow the accept for value agreement on the money order. I need a written statement under oath explaining why you all are exempt from following the law. I have proof that I paid this bill with TD Bank, so my balance should be at {$0.00}. Please validate this debt as well because there is a billing error. The bill is already paid for. I can not pay on a positive balance. 15 USC 1666. Please see other attached documents. And explain why you all do not have to follow federal laws.
Product: Debt collection

Navy federal credit union has not provided me strict proof of contract, my identity was stolen and and bank account information was taking without my knowledge. Navy federal has not provided a strict Proof of contract and they must ceist and desist any and all of collection efforts immediately. If they transfer this account to an attorney without providing proof of contract he or she will be immediately reported to the state bar association and professional liability fund for code of ethics violations
Product: Credit reporting or other personal consumer reports

I'm writing to impart my tension concerning the challenged records on my credit report. On various events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Regardless of my undertakings, I by and by just can't get any objective or therapeutic movement. These mixed up records are truly hurting my credit report and demolishing my ability to continue with a normal life. The unfavorable results of these blunders have caused tremendous troubles for me, and I'm left with no choice aside from to contend for your assistance with amending what is happening at the earliest open door. I thoughtfully request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the principal progresses are taken to revive and address my credit report right away. With your help, I want to restore the accuracy and decency of my credit archive so I could recuperate control over my money related thriving. I truly urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue speedily would be colossally important. Thankful to you early on for your cognizance and help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus for their failure to remove late payments from my credit report. I initiated a dispute more than 30 days ago regarding the presence of these late payments on my report, and to my dismay, the credit bureaus have not verified or taken appropriate action to address this issue. This inaction is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ) ( 5 ) ( A ) and section 1666b.

The late payments on my credit report are inaccurate and have had a significantly negative impact on my creditworthiness. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. Additionally, section 1666b of the FCRA mandates that the credit bureaus must promptly remove inaccurate or unverifiable information from a consumer 's credit report. 

It is crucial for the credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) and conduct a thorough investigation to verify the accuracy of the reported late payments. However, despite the ample time provided, they have failed to fulfill their obligation to verify each late payment. It is the responsibility of the credit bureaus to verify the accuracy of these late payments. 

Specifically, Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. By not verifying these late payments within the specified time frame, the credit bureaus have violated this provision and further harmed my creditworthiness.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). CAPITAL ONE AUTO FINANCE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

On XX/XX/2020 @ about XXXX XXXX a representative of a law office stated my fianc owed money for first for a debt with XXXX XXXX XXXX then said XXXX XXXX XXXX stating the amount of {$800.00} was owed but would settle for {$300.00}! I asked what collection agency this was and was told a law firm! I paid the {$300.00} but my bank flagged it as a scam and denied the transaction! They threatened to serve law suit at job and threaten legal action, report for bad credit, which this debt was not on either of our credit report nor have ever received a bill! They bullied us until we gave bank info! The phone number was XXXX but the charge in bank came from ATKB Portfolio at XXXX! Im very upset and dont take kindly to being threatened
Product: Credit card or prepaid card

On XX/XX/2020 I filed for unemployment insurance with the State of Oklahoma. On XX/XX/2020 I received a letter that my GoProgram card had been mailed and it would take no longer than 7-10 days to receive. On XX/XX/XXXX I began trying to reach Conduent at XXXX. This is the phone number listed on the oesc.ok.gov website as the correct contact for all debit card related issues. On XX/XX/XXXX I called and waited on-hold for 2.5 hours before the call was disconnected. This number is listed as a 24/7 customer service number and the only contact information given for card issues. 
On XX/XX/XXXX I also called the customer service number for the Oklahoma Employment Security Commission. I filed a claim to let them know that I had not received my debit card and that I was unable to get through to the GoProgram contact number. I was told they could not send me a new card or help me and they had no suggestion on how I proceed. 
On XX/XX/XXXX, I called again and waiting on hold for nearly 3 hours before the call disconnected, I called back and sat on hold for another 2 hours and was unable to speak to anyone. 

I also went to the website provide at www.goprogram.com I created an account and attempted to set up direct deposit but was unable to do so with having my card information. I then tried to request a replacement card through the site but got and error message that they are unable to process this request. 

On XX/XX/XXXX I attempted to call again at XXXX hoping that calling during " off-hours '' would help me get through. I again waited on hold for 1.5 hours and was not able to reach anyone.

At this time I am unable to access my unemployment insurance funds and I am unable to get a replacement card. The handling of this process by Conduent is negligent at best.
Product: Credit reporting or other personal consumer reports

XXXX SUNBit Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate reporting of my Recent XXXX  XXXX Bankruptcies again they are leaving settle debt on credit reports and causing me pain and suffering upon applying for credit. This account was included in my XX/XX/year> XXXX Atty XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX and has already been discharged 3 months to date! The XXXX  account was not delinquent during the filing process Why is XXXX? SUNBit ( Credit Card loan ) still reporting a Balance of {$160.00} ( it should be XXXX ) and it should have ceased in XX/XX/year> the month of XXXX and not to continue to display in box 30, 60 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX AND XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account number XXXXXXXX XXXX XXXXXXXX. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX XXXX XXXX and the person [ XXXX XXXX XXXX XXXX Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX XXXX ) and the person ( YOU ) [ XXXX XXXXXXXX XXXX  ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account [ ACCOUNT NUMBER XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Prepaid card

My citi prepaid/debit card expired and they will not reissue the money or replace the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This customer service is horrible I cant open any bank account with no banks checking they tell me to call XXXX because of if theft alert on my social security number that XXXX is providing to these banks they refuse I called them and they say the same thing this is not fair when are my concerns going to be resolved this company XXXX and couldnt care less for me because they dont fix this issue I have proof from a bank that declined me stating the reasons and contacted this company to try and resolve this issue they say their is nothing they can do they play games with me and the banks refer me to this company to have this fixed with their system reporting internally id theft security alert do not open an account at this time the bank showed It to me and in a letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the e-Oscar, Credit Reporting Agencies ( CRAs ) and Automated Credit Dispute Verification ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Product: Debt collection

I was a victim of identity theft I never had a sprint account in 2023 I have documentation stating I am a victim of identity theft to prove its not my account