23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Recently, I filed a dispute with XXXX in regards to my XXXX XXXX XXXX credit card. XXXX was reporting the account on my credit bureau twice and had an incorrect balance ( {$14000.00} ). On XXXX/XXXX/XXXX XXXX sent an update to the bureau 's that removed XXXX of the duplicate accounts from my credit file, however the failed to update the correct balance and payment history on my account, but put that the updated information was as of XXXX/XXXX/XXXX making it appear to other creditors that I had not made a payment on my account since XXXX of XXXX resulting in my account being 4 months past due. This caused another lender to significantly reduce my credit line less then 48 hours after the update XXXX sent to the bureaus. I called XXXX to get this resolved, I spoke with XXXX representatives from the XXXX XXXX XXXX ( XXXX XXXX XXXX ). Both informed me that I needed to fill out there disputes form and mail it in with a complete copy of my credit report. I informed them that I have already filed the dispute with the credit bureau directly and that under the fair credit report act / FACT ACT I have met my regulatory requirement in filing the dispute and that I do not have access to a printer. In order for me to complete there form and send them my report I would have to travel XXXX minutes to the nearest FedEx to print the form and report which is XXXX pages long which would cost me near {$10.00} in just printing charges and then additional charges to ship it, not to mention the XXXX hours I have now spent on the phone trying to get this resolved and an additional XXXX minutes each way just to the store. This is highly unacceptable. I have met my legal requirement to get this matter resolved. I scanned into there system the paperwork and evidence that they require for resolution which is above and beyond the legal requirement to get this corrected. They have caused adverse action to be taken against me within XXXX hours of there mistake and could cause additional adverse action to be taken that XXXX not be reversible. I am already being told that additional inquiries will be necessary in order to reverse the adverse action once the correction has been made by XXXX which will further deteriorate my credit score. 

XXXX made not XXXX but XXXX mistakes, and after following the proper legal course of action they do not wish to own up to there mistake and fix it with out causing additional delays and potential damage to me. No other financial institution has this requirement, it is not a requirement mandated by any law. They need to fix there broken process and correct there error immediately.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

1. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX  Account Number : XXXX Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
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 with error resolution requirements under the Electronic Fund Transfer Act (

EFTA ) and Regulation E. These actions have caused sign
ificant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today due to my enormous frustration with capital one. I feel like I am starting to exhaust every avenue available to me. 

Im writing because I noticed that my most recent credit report contains late payments reporting ( 60 days late in XXXX and XX/XX/XXXX ) for my Capital One Auto Finance account number. These late payments occurred as I traded my XXXX XXXX XXXX ( financed through capital one ) for a XXXX XXXX XXXX. My XXXX was in the hands of my local XXXX dealership in XX/XX/XXXX. I have also sent a letter from the financial manager from the dealership to capital one, explaining that they were responsible for paying the full amount upon trade in XX/XX/XXXX. I have been a member of Capital One since XXXX and have had an exceptional payment history since. I have never occurred a late payment with Capital One and will continue to do so. 

Id have an excellent repayment record if it wasnt for the late payments placed on my credit report by capital one in XXXX and XX/XX/XXXX. I make my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. I have reached out to capital one, attempting to dispute these late payments but every time I call, I am constantly being forwarded to a new representative on the phone who just tell me to learn from my mistake and deal with it. I am a XXXX  working on the frontlines and I have never been treated so poorly from a company that I had nothing but respect for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished information to Transunion, XXXX  and XXXX  of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. Transunion, XXXX  and XXXX  were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.
Product: Mortgage

Nationstar bought my mortgage from XXXX XXXX XXXX and are refusing to honor my original contract with XXXX XXXX XXXX. My XXXX XXXX XXXX contract had me paying 1/2 my payment every two weeks .. this resulted in one full extra payment every year ( good ). However Nationstar says they are forbidden by a contract with XXXX XXXX from honoring that portion of my original contract. .. They have contracted with XXXX XXXX to process payments for them in that manor ( of which they charge an additional XXXX a year to do ) ... .. ... I am still paying my payments every two weeks ( to honor my contractoral agreement ) .. but Nationstar is refusing to apply the full amount I pay to the acct. They are putting it into a SUSPENSE ACCT and only taking out what they say is my monthly payment ... which is resulting in them not applying the extra to the principle which is resulting them in charging me extra interest ... I have also contacted the Attorney General and am hoping that they criminally charge Nationstar as well for Embezzlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The charge-off reported by XXXX XXXX XXXX  on my credit report is inaccurate and does not belong to me. The account ( # XXXX ) is being reported as Closed Charge Off, with a **past-due balance of {$660.00} and a total balance of {$1000.00}, despite me having no knowledge of or connection to this debt. I have never opened or authorized this account, nor have I incurred any charges under it. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter and verification of all supporting documentation, including the original signed agreement, transaction history, and proof that I authorized this account and any charges made to it. If XXXX XXXX XXXX can not validate this debt with proper evidence, I request its immediate removal from my credit report to prevent further negative impact on my creditworthiness.
Product: Mortgage

I began the refinance process of my primary home FHA 30 year loan to a 20 year conventional loan with Freedom Mortgage on XX/XX/2021. Freedom Mortgage is my existing lender and has been my lender for almost five years. XXXX have been very responsive and provided information requested for the most part within 36 hours. I was out of town XX/XX/XXXX through XXXX. XXXX XXXX was the customer advocated assigned to my loan XX/XX/XXXX through XX/XX/XXXX. On the XXXX he told me everything was in order and I would hear from the scheduler around XX/XX/XXXX to select a closing date. 
On XX/XX/XXXX, XXXX XXXX emailed she had been assigned as my customer advocate and she began requesting information that had already been provide. I had a telephone conversation with XXXX on XX/XX/XXXX. She told me I needed to pay closing costs because I had a second mortgage on the house. I told her I did not and had never had a second mortgage. I asked her why the terms were changing. She did not provide response. On XXXX, XXXX I requested a status update. 

I called customer service and spoke to an escalation specialist on XXXX, XXXX. She listen to my run of the history and my expressed frustration regarding good information being provided. She told me my loan was being worked and hopefully it would close soon. On XX/XX/XXXX, I emailed the CEO requesting assistance and sharing my experience. 

On XX/XX/XXXX I was sent documents to extend my locked rate until XXXX XXXX. I inquired about the date as it was a little more than a week. I was told it was anticipated my loan would close. On XXXX XXXX I was sent documents to extend my locked in rate to XXXX XXXX. On XX/XX/XXXX, I was called by XXXX XXXX. Today, I was called by XXXX who informed although it was previously determine an appraisal was not needed ; one is now being ordered. So, my loan will not proceed to closing until after the appraisal. I asked why now is an appraisal needed? She said she would have someone else call me because that is something she can not discuss.

We are just about at the 90 day mark. Freedom Mortgage has moved my loan to different teams at least 3 if not 4 times. I believe it is for the purpose of stalling and delaying closing. Delaying my reducing the interest of the existing loan that they profit. Interest rates have increased since XXXX. It is for this reason I have continued. I am not being treated fair and equitably by Freedom Mortgage. I have try to work within their existing structure to resolve the issues and have not been able. I am seeking advocacy and assistance in getting my loan to closing promptly as timely would have been in XXXX.
Product: Debt collection

Citizens Bank - Line of credit {$1500.00} acct was sent to collections this debt isn't mine it belongs to XXXX XXXX and I have disputed this before yet it is still on my report
Product: Credit reporting

EXPERIAN HAS VERIFIED IN XX/XX/XXXX a false DOFD.THE CORRECT DOFD ON XXXX CREDIT # XXXX ... IS XX/XX/XXXX.IF THE DOFD WAS CORRECT THIS ACCOUNT COULD BE REMOVED FROM MY REPORT NOW. 
ALL XXXX BUREAUS, EX, XXXX, XXXX report a dofd different from each other, all XXXX bureaus report a radically different payment history.all XXXX bureaus have been recently " verified '' with different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXand XX/XX/2019I requested verification of an alleged debt owed by me to XXXX XXXX account # XXXX XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.
Product: Credit reporting

Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to permanent XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act
Product: Credit reporting or other personal consumer reports

After reviewing my credit report the following inquiry continues to be reporting improperly and in correct. PLEASE DELETE AND REMOVE XXXX XXXX XXXX DATE : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received the attached my second attempt to receive the accurate and complete records on this HELOC but once again I got falsified documents showing that not only is Chase claiming I made a full year additional payments when I didn't but also reporting it to the credit bureaus. Attached is XXXX XXXX being given fake payments I never made. I stopped making payments on that the end of XX/XX/2017 and can prove it with my bank statements when we get to court on this banking fraud. Presently JP Morgan Chase Bank NA is planning on selling my home with an obsolete primary mortgage and now trying to add this account to it, This account THIS COMPLAINT is for has never been sent to me any foreclosing or default notices, or anything else in attempts by Chase to try and add it to the illegal foreclosure presently attempted on my home. THIS IS A NEW ISSUE OF BANKING FRAUD FABRICATING PAYMENTS I NEVER MADE AND REPORTING THIS FALSE INFORMATION TO THE CREDIT BUREAUS. CFPB NEEDS TO INVESTIGATE this FRAUD!!!!! see attached i marked the transaction history sent to me with fake payments marked off by a big x on both sides. see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my consumer report with Equifax, I have come to recognize errors in accounts that are shown on my report. As listed : XXXX XXXX XXXX XXXX XXXX ( listed as a closed charge-off. Balance of {$340.00} ; Past Due Balance of {$450.00} ; Date Reported - XX/XX/XXXX ; Date Opened - XX/XX/XXXX ; Date Closed - N/A XXXX XXXX XXXX XXXX XXXX  listed twice ) a ) Status Unpaid ; Owed - {$170.00} ; Date opened - XX/XX/XXXX Status Date - XX/XX/XXXX b ) Status Unpaid ; Owed - {$150.00} ; Status Date - XX/XX/XXXX There are other accounts on my credit report that are not listed here in this list that I wish to have reviewed, considering Equifax 's most recent data issue. I would like for the above-listed items to be corrected and removed, promptly. 

Thank you.
Product: Debt collection

DCS Financial placed a garnishment on my personal banking account without notification in the amount of {$180.00} and resulting in additional fees in the amount of {$120.00} closing out my account. Washington State law states that this amount should not be removed if under {$500.00}.
Product: Student loan

So I am currently on the SAVE Plan I was moved over from Great Lakes to Nelnet and I was advised that under the Save Plan as long as Im making my monthly payment that my balance would not increase but Im noticing that it is increasing even after I make my payment and I spoke with them and they told me that the interest was going to increase anyway regardless of the payment I made and it starting to grow so I am reporting that Nelnet is purposing growing my balance even after I am making payment on this Save Plan
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : collection/charge off : XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} credit inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Name : XXXX XXXX Previous XXXX ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased an XXXX XXXX XXXX XX/XX/2022. It was a used XXXX XXXX. After such time, the car has depreciated in value, and requesting a refinance on the car has been difficult, due to the high monthly payments. After doing some research, I started studying the contract and the loan process, and found there were inconsistencies and questions regarding the origination of the loan and imperfection of the lien. I sent Chase an offer of set off and discharge, but they refused, which is dishonor. I sent the CFO documents of discharge set off, and below is a copy of the notice of rescission of contract.

Pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23, I hereby exercise my right to rescind the car sales contract that is identified by the above referenced account number. The primary basis of the rescission is that, I was not provided a completed copy of the notice of my right to rescind the consumer credit transaction, in violation of 15 USC 163 ( a ) and Regulation Z, and 12 CFR 226.17 and 12 USC 226.23.

The attached documents were sent via certified and registered mail to the CFO/Trustee of Chase Bank . They were stamped and notarized.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter
Product: Checking or savings account

I was working at XXXX XXXX and had direct deposit and every Thursday when I would get paid, about 2 to 3 hours later my account balance would be negative like negative XXXX $ when I didnt even spend no money cause I was working.. If my check was XXXX $ how would it be negative a few minutes later?