23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/year> on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

The following information is incorrect on my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 1. The following personal information is incorrect Also Known As : XXXXXXXX XXXX  2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

My AmericanExpress/ Macy 's card had fraud transaction on XXXX/XXXX/XXXX, so called Macy 's to file a claim. However It took them over 4 months to finally clear charges ( on XXXX/XXXX/XXXX ) but delinquent status was still not cleared and they were the ones who told me not to make any payments since it is in investigation status. I have called them over 15 times to get this resolved and also, got a letter fro COO of Macy 's to apologize but all XXXX credit agencies still showing that acct is over 90days delinquent status ( do n't understand why ) and is hurting credit as i am trying to get a mortgage loan. It hurt my credit score of more than XXXX pts ( just found out from XXXX XXXX XXXX ) and I am seriously considering sue them for damages.
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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX we financed a XXXX XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XXXX XXXX the XXXX dies out on XXXX practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XXXX XXXX they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next day XXXX XXXX we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XXXX XXXX the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XXXX XXXX we go in to voluntarily surrender the Jeep due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then JD Byrider later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical debt that is XXXX and all XXXX  credit reporting agencies Equifax, XXXX and XXXX all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXXThey all state this debt shouldn't be reported after XX/XX/XXXX XXXX
Product: Checking or savings account

I recently got my debit card stolen at a ATM in which someone did a unauthorized transaction. XXXX XXXX {$180.00} plus {$2.00} ATM {$200.00} plus ATM fee {$62.00} AtM Withdraw plus XXXX fee. I reported my card stolen and filed a dispute. I filed dispute I did not let her the same day I thought it was pretty fast no way they could investigate it that fast. So I filed an appeal and a couple days after that I got denied so I asked for an explanation for both reasons why because there's no reason why I shouldn't have got the denied XXXX have disputed and appealed the transactions XXXX times and they steady keep me too following appeal. I have not received my credit I am eligible for because once they deny your appeal the 10 days starts all the way back over I notice XXXX will never get my credit if they keep denying me for no reason. I have asked for documentation for the investigation and they have not sent me any explanation only questions i answered for my disputes. Not only that I talked to an agent and they told me the reason why they are denying claims because they need more time to do the investigation but in the policy it says they have 45 days to 90 days to do the investigation so why are they denying claims just to get more time it is actually setting the customer back on their credit that they are eligible for I have proof of all of this. I have been talking to chime about this problem and all they say they can do is file a rebuttal I have done XXXX times and still no evidence to why I am getting denied I just want my refunds but they refuse to give it to me. They are not following their policies correctly.they also refuse to give documentation of why my claim was denied that is explained on the denial email I keep on receiving they refuse to give me the documentation I don't think they have it because it's been a month and a half and no evidence from that letter they keep denying my disputes with They shouldn't be denying my claim if they don't even have evidence.
Product: Credit card or prepaid card

I havent applied for a credit card and I have gotten an email stating I applied for one and I wanted to report this as fraud due to my credit score decreasing for a card I have not applied for.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE BANK USA is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit card or prepaid card

Our payments are paid automatically on the 1st of every month. They are stating that one payment was short by {$8.00} over 6 months ago which caused them to bill us a {$40.00} late fee. Since then, because of this added late fee it has caused our automatic payment to show short by about {$8.00} each month for over 6 months and each month they are billing us an additional {$40.00} fee. The fee is what is causing it to be short! This is predatory. We have now been billed over {$240.00} in fees because they are saying one payment was short by {$8.00}. We received no notification of this until a few days ago when we finally got a phone call saying our payment was late. Why did it take them over 6 months to contact us. Obviously, no one would choose to not pay {$8.00} so they could instead be billed an additional {$40.00} every month. Had they made this same phone call 6 months ago, we would have been aware and cleared the missing {$8.00} which would have saved us over {$240.00} in predatory fees. We contacted them and all they would do is waive one fee. This is ridiculous. The added fee 's is what caused the payment to be short we pay {$100.00} per month which is over our required minimum payment ; however, with them adding the additional {$40.00} fee each month that is what made our {$100.00} payment short by about {$8.00}. The added fee each month is what caused the payment to be short. So you are stacking fees on top of fees. had they never billed them or contacted us after the first one none of this would have happened. How can they get away with charging over {$240.00} in fees for an {$8.00} shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - requested & reviewed XXXX credit report utilizing XXXX XXXX XXXX XXXX On review, disputed entry regarding credit card account issued by Comenity Bank XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from XXXX with link to review results which shows the bank has verified the account is active - dispute rejected. 

XXXX - received welcome letter & credit card from Comenity Bank for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with Comenity Bank, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XXXX - went on Comenity Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from Comenity Bank. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following reported accounts has violated my rights : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 ( a ), states I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three Frost Bank checking accounts that have continued to show up on my credit report as collection accounts. These accounts are supposedly from XXXX & XXXX and they all show to be checking accounts, which makes zero sense, as I never had more than one personal checking account with this bank. The only time a second & even third account existed was my Business Checking account. That said, Frost Bank is legally restricted from reporting business accounts as collection accounts on my personal credit report, yet it appears they have done so. I have asked for my account statements on all three accounts more than once and was never furnished anything. Due to not receiving the information that I am legally entitled to, I contacted Frost Bank to see if I could have this removed by just agreeing to pay each collection in full and I was explicitly told that they would remove these collection accounts if paid in full and that they would send the request immediately after the balances were cleared. Therefore, I went to the nearest Frost Bank and purchased three separate money orders and was told that the branch had to mail all 3 money orders to the collection dept in XXXX XXXX because the bank branch couldnt process payments for collection accounts for some reason. Three weeks pass and each item is still listed - each with the full balance still showing as unpaid & delinquent. I called the collection dept and they said they never received anything and then proceeded to make me feel as if I was lying about the money orders. Two days later I get a voicemail saying they located my money order payments and that they had already submitted for the accounts to be removed from all three bureaus. Unfortunately, they didnt do what was promised - all they did was list the balance as Paid Collection but they never removed the accounts entirely. I wouldnt have wasted money paying collection accounts had I known they wouldnt remove the accounts entirely because paid collections do no good for any consumers credit score. I have contacted the collections dept several times and no one will ever call me back. These accounts have undoubtedly made my overall cost or credit much higher than it would have been otherwise. I have absolutely nothing else that is negative on my report except for Frost Bank. 

**On the attached screenshots, you can clearly see that not only is Frost Bank still reporting these accounts as collections - but they are also still reporting each account as derogatory! 

**I also attached screenshots of the remainder of my credit file to represent the fact that Im not someone that just doesnt pay their bills. I have zero late payments ever and if Frost Bank would have done what they promised to do, then my score would be close to XXXX, but instead my score ranges from XXXX - XXXX. These accounts need to be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC states that I do not have an account with them, but yet they are the ones reporting bad information on my credit report. If I do not have an account with you you should not be reporting your name on my credit report. Your statement says I owe XXXX but that is not what is reporting on my credit report. I DEMAND YOU REMOVE ALL NEGATIVE INFORMATION from my credit file. I do NOT have a signed contract nor any contract with ERC. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collection. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these account.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint regarding the undue delay in receiving my GAP insurance refund, which has been pending since XX/XX/year>. Despite repeated attempts to resolve this matter through your customer service team, no action has been taken to process my refund, and I am yet to receive the amount owed to me. 

Details of the Issue : Vehicle Purchase Location : XXXX XXXXriginal Loan Provider XXXX Santander Consumer Refinanced Loan Provider : XXXX XXXX XXXX Sent by XXXX to Santander XXXX XXXX Refund Amount Due XXXX XXXX Background : Upon canceling my GAP insurance, XXXX issued a refund cheque directly to Santander Consumer. Since then, I have made numerous calls to your customer service team. Each time, I have been told to " wait, '' yet no concrete timeline or resolution has been provided. 

This delay has now stretched over 4 months, causing unnecessary financial and emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Atty General of Tex Child support division continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on Experian and XXXX  that are not true. My case is now clised for over 6 months and XXXX gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with XXXX balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

For starters this is my 3rd complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me. 

I HAVE NOT received a response from TRANSUNION and is has been months. their website is not working and no one is answering the calls. anytime i try to talk to a person the phone hangs up. they arent addressing my incorrect information on my accounts is has been more than 160 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XX/XX/XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : AXX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting 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 can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I received an email from XXXX XXXX  and XXXX XXXX 1. there's been a change to your XXXX  credit report 2. Heads up : A lender reported that you opened a new account with them. 

2. It looks like an account with XXXX/PAYPAL CREDIT CARD was added to your XXXX credit report. * 3. total credit card balance recently went up. *
Product: Debt collection

I am a victim of Identity theft. I have followed all procedures with FTC I did not open no accounts with Conns. I have no knowledge of the account I would like for XXXX XXXX to remove from my credit report.