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

In XXXX of XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XXXX of XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being, I have rights under 15 USC 1681. 

Experian and XXXX are govern by 15 USC 1681. And they have violated my rights numerous of times. 
I demand the accounts listed below be deleted. According to 15 USC 1681 : I have the right to privacy and I did not give Experian and XXXX written permission to furnish these accounts and inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Mortgage

I AM AN XXXX MIDDLE CLASS WHO IS WORKING WITH A XXXX. I MADE AN MISTAKE ON MY LOSS AND PROFITS STATEMENTS AND I FILED FOR AN APPEAL. I RESPECTFULLY ASK THE COMPANY TO PLEASE ACCEPT MY CORRECTED LOSS AND PROFIT STATEMENTS. I MADE A MISTAKE. THIS IS MY FIRST TIME APPLYING FOR A LOAN ASSISTANCE PROGRAM. BASED ON MY INCOME I QUALIFY FOR ASSISTANCE. THIS LENDER IS OUT TO TAKE MY HOME AND WILL NOT WORK WITH ME. I FAXED THE DOCUMENTS YESTERDAY TO SPEED UP THE PROCESS. I PRAY FOR RELIEF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus violated my rights. I gave them a chance to update the account reported on XXXX. Under 12 U.S Code 1681 ( a ) Accuracy and Fairness of credit reporting - The Congress makes the following findings ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Failure to comply or delete these items
Product: Student loan

My account is paid off in full but that has not been reported to the credit reporting agencies. All 3 of them show a large balance remaining. It has been over a month since it was paid off. Nelnet said it was reported but it wasn't since all 3 credit bureaus show the same balance and that it was last updated XX/XX/XXXX.
Product: Debt collection

I have tried to dispute with the collection agency as well as with the credit bureau for years and no success.Continue to receive a response that i'm responsible for the debit. I'm not responsible for this debit and never went to the hospital for the dates their stating. 
It's very upsetting and frustating that i'm being penalized for something that i'm NOT RESPONSIBLE FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00}
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 Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX FUNDING Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account 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 card or prepaid card

On XX/XX/XXXX I called Citibank to ask why they had not upgraded my card to paid since they had receive my payment more then 10 days ago. I needed the credit to reflect the payment because I needed to use the card to make a purchase. I explained it shows on the information that credits are updated within 7 days of payments and it had been more than 7days and wanted to know why it didn't reflect the payment which was substantial. The CSR tho she was referred to as a supervisor did not have an answer. She was quite rude and hummed and sang in the phone as I asked her if she could be more forth coming. She did not answer. I explained that if she could not update it then I have no need for the card. She said so you want to close the account? I stated that was not my intention but if they were not going to give me credit access it will not help me. She continued to badger me about closing the account and I should say " yes ''. She was not helpful and I am sure I did say yes. There was a charge of {$34.00} remaining on the card and since she closed the account I paid it with my bank card, received an email from them stating it was received. I then removed all my information from Citibank card app and now have received a bill stating I owe {$69.00}. This includes {$30.00} interest I am not responsible since I paid that balance before the interest should have accrued. These people are tremendously rude and unapologetic. They will not work with you and take pleasure in trying to ridicule you. They have no intention of helping to resolve anything and only want you to pay this amount. I will pay it because I don't want them to ruin my credit rating but something needs to be done to this staff of idiots.
Product: Student loan

I have called at least three times to discuss what seem to me " phantom loans, '' i.e. loans that I did not take out nor recognize from my personal history, as well as the fact half of the loans these Nelnuts bought from Great Lakes are showing on their website as currently in repayment -- while others ( correctly ) show that I am still enrolled in college. I have been left on hold for 4+ hours twice in the last two weeks, and one day their phones were down. I've also used their web form to submit my questions, once back in early XXXX, and again last week. I have still heard nothing, and am showing on their website that I somehow owe more than a XXXX when I am still enrolled in my XXXX! This is criminal! How are they being paid by the government to service these loans and all they do is charge undue interest, create made up loans, and hide behind a system clearly designed not to provide service to anyone -- but only squeeze as much money out of those who needed money to go to college in the first place? WAKE UP PLEASE!!!
Product: Debt collection

Debt she'd be discharged as it is over 7 yesrs. Company, Navient. falsified last payment date to hold onto debt. I couldn't have made a payment in 2014 as I couldn't even buy my own food. Plz discharge full debt.
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 significant inconvenience and 2.5K financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dates : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Listed as a late payment ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Listed as a late payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation be completed by XXXX, Equifax, and XXXX to request the data furnisher of my student loans, XXXX XXXX report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by MY FICO. I found the following errors : The XXXX and Equifax payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in February 180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because a XXXX XXXX account, dated XX/XX/2020, is being inaccurately reported as a charge-off or collection on my credit reports by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) . This account was never late, I never missed a payment, and it was paid off 100 % the entire time. The incorrect reporting suggests that the account was in collections and then paid off, which is inaccurate and has negatively impacted my credit score and overall credit report. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent. 

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the adverse action and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1681e - Compliance procedures- Requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Outlines the procedures for disputing inaccurate information on a credit report. This includes the requirement for consumer reporting agencies to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information. 

5. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX from foreclosing on my home of 23 years in XXXX  when I became XXXX from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX
Product: Mortgage

I was referred to XXXX XXXX, loan officer, at XXXX XXXX. I sent him all the information. He was impressed of my credit score, no debt and that I was starting a well paying job as an XXXX. He failed to tell me that he was changing companies. Once he changed companies to The Mortgage Firm, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, he called me and said that I had to switch companies because XXXX XXXX would not give me a loan and that I had to stay with him at his new company. I stupidly believed him. I then resent everything that I had previously sent. I was approved for a loan of $ XXXX with 25 % down for a condo located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL. Everything started on XX/XX/XXXX at new company and I was to close on either XX/XX/XXXX or XX/XX/XXXX depending on if everything could be processed. XXXX received the condo information during this period and on XX/XX/XXXX called me as I was on my way to do the final walk through and told me that I now had to pay $ XXXX more ( $ XXXX to $ XXXX down ) or I could not close on the condo. He blamed it on the associations rules. I told him I did not have any more money. He then said that I lost the loan and did not offer any other possibilities. Now, because of this, I am losing $ XXXX in escrow and The Mortgage Firm is billing me for the appraisal which I never received a copy of or any information from The Mortgage Firm that it was completed and did not know any upfront prices. XXXX 's manager is XXXX XXXX and she is demanding the money. I want to report this company for fraud. I lost the loan because they did not provide the required information in a timely manor. I appreciate any help you can provide.
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 the platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors 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 for these volition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions 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 following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A SECTION 2 : It also states a consumer reporting agency furnished an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as for purpose.
Product: Checking or savings account

On XX/XX/XXXX I noticed my XXXX account t had been hacked and money has been slowly withdrawn for a little over 2 months equaling around {$11000.00} from my business bank account. I immediately reached out to XXXX who referred me to my banking institution to dispute all charges. I contacted the Chase fraud department. I filed the claim on XX/XX/XXXX. On XX/XX/XXXX I was informed by Chase Bank fraud department that They denied my claim because I had several deposits coming into my bank account. Essentially they said the denied my claim because I had several deposits from XXXX and they found that the withdrawals were authorized which is not true. All of the reported withdrawals were fraudulent. As I explained to them the reason I have XXXX is because I am paid rent on several properties monthly and the deposits were the rent amounts. I was told by chase bank fraud department to upload the proof and the claim would be reopened. On XX/XX/XXXX I uploaded the documents showing the rental payments being paid to me through XXXX. I uploaded 5 different recent deposits. I contacted Chase Bank fraud department on XX/XX/XXXX after I finished uploading and was informed it takes 24 hours for the uploads to transfer over to call back the following Monday. I contacted Chase bank fraud department on Monday XX/XX/XXXX and The representative did confirm the uploads were received and it would take 24-48 hours for the department to research it. I contacted Chase Bank fraud department on Tuesday XX/XX/XXXX and was told by the representative that a request needed to be made for the research team to reopen the case. The representative did state she sent over the request and it will take up to 10 days to get a result. Tuesday evening XX/XX/XXXX I received a letter stating that the claim was again denied with no explanation as of why. On Wednesday XX/XX/XXXX I contacted the Chase fraud department to get an update and the representative stated the case had not been reopened as of yet and no documents that were uploaded have even been looked at. Chase Fraud Department has been unprofessional with this matter and very unhelpful. I have received different stories of reasoning why my case was closed. I have heard one excuse after another as to why the documents of proof have been in there for several days and haven't even been looked at. This was not researched. This was looked at and closed because the research team assumed I was refunded by XXXX because of the large deposits without asking what the deposits were or even taking the time to look back through the statements to find that I receive this large deposits monthly. Chase does not seem to care about their long time customers. I have about 9 different accounts with chase, business and personal. I have been a vicim of fraud and would like this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, 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. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not accurate. 
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. Additionally, 12 CFR 1006.34 ( b ) ( 5 ) Collection agency has not provided validated info but placed collection ( s ) on consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX regarding a collections account that has yet to be removed from my credit file. XXXX informed me that they would do an investigation and I submitted documents supporting my stance on the matter. XXXX failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 1. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.
Product: Debt collection

Rubin and Rothman, LLC sued me Last year for a Debt I did not Have with Them or Owed them At All. And Has Unlawfully Reported it to The Consumer Reporting Agencies without My permission and Has Cause me Severe Loses. Due to the Inaccurate Information that is on MY Credit Profile.I did not given RUBIN AND ROTHMAN Permission to Contact Third Parties with my Private or Personal Information. By Obtaining my Credit Profile on XX/XX/21. Without Permissible Purpose RUBIN AND ROTHMAN Violated The Fair Credit Reporting Act. { FCRA } codified 15 USC 1681 { b } { a } { 3 } { f } { i }. I have not Initiated Any Transaction with RUBIN AND ROTHMAN, Furthermore I do not have an Account as Defined under 15 USC 1693 { a } { 2 } for Review or Collection. And Must Delete That UNAUTHORIZED INQUIRY IMMEDIATELY.