23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, I attempted to set up automated recurring bi-weekly payments through loandepot.com. I was informed online and via customer service that my account would not be eligible for such arrangements for 60 to 90 days. This restriction was not disclosed during either the application or the closing process. Upon calling customer service to obtain instructions for a workaround for this restriction, they informed me that there are no support workaround and that if I make partial payments earlier than due, they will be rejected. Again, this was not disclosed during the application or the closing process. Upon escalating this to the next level of customer service, they informed me that it was not a restriction imposed by Loan Depot but by the actual lender. I requested information about the actual lender through that escalation line. The investor of the loan was reported by XXXX XXXX. XXXX XXXX has a rule set up with Loan Depot preventing the configuration of automated drafts or bi-weekly payments. It is a highly irresponsible decision for both Loan Depot and XXXX XXXX to fail to disclose this restriction during the application or closing process, and it will create a highly inconvenient financial hardship for my family. XXXX XXXX executives should be held accountable as criminals for creating this situation and for failing to require that it be disclosed during the application process.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX  as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having XXXX credit cards. In the past I had approximately XXXX credit cards total and presently only XXXX. 

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score. 

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products. 

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit. 

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

i sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I went into the XXXX XXXX XXXX XXXX inquiring about financing to buyout my lease. Since I had leased my Jeep with them previously, I asked what interest rate they could offer me based on an excellent credit score. About a month later I find on my XXXX XXXX that XXXX XXXX XXXX  ran my credit and made 3 HARD inquires that negatively affected my credit score. The inquiries were with XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX. I've contact the dealership numerous times as well as the credit bureaus to have these hard inquiries removed since I did not authorize. I would like to have these removed immediately since they will stay on my record for 2 years.
Product: Credit reporting or other personal consumer reports

Experian did not investigate the information from anyone. They just took their word for any debt that I may or may not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 3o days I sent over a re-investigation letter to Experian in regards to the Bankruptcy that is reporting on this credit file. This bankruptcy does not appear on any other bureau but this one. They have failed to respond to my letter within the requested time frame. I asked them to send me over any paperwork in regards to how this account was verified and they did not do so. 

I am requesting that the paperwork be sent over to me to how this account was verified, the exact day it was verified, the person that they spoke to, and the name of the business that they verified this information with. 

This would be my 3rd complaint filed in regards to this file. I will be pursuing legal action. I have already provided proof that the court does not share my personal information. This is a violation to the FCRA section 623 XXXX XXXX XXXX XXXX us court of appeals for the XXXX XXXX court case XXXX XXXX XXXX XXXX XX/XX/1997, filed ( XXXX No. XXXX ). This is considered defamation and willful injury. I will get {$1000.00} for every one of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that I had an incorrect balance of {$500.00} on my XXXX XXXX account. The balance should be {$0.00}. Transunion previously reported I had a zero balance and now it is back up to {$500.00}. I contacted XXXX XXXX and they informed me that Transunion sometimes pulls old reports. I contacted Transunion and the first reps phone was barely working, but he submitted my complaint. Then I received an email saying the issue was resolved, but nothing has changed on my credit score which has drastically gone down.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act XXXX  Account XXXX  XXXX XXXX  Reference Number XXXX which was discharged XXXX days later therefore has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I'm looking to refinancing my home mortgage loan away from HSBC is denying me CEMA. I'm locating in New York. 

HSBC told me flat out that I'm out of luck. Either I refinance with them or pay taxes all over agin I'm working with XXXX XXXX XXXX   <XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX rooms ( {$1400.00} ) was book on XXXX in Washington XXXX ( i never been to XXXX ) i didn't know anything about it until i check my online account i called td bank and put in a claim i call the hotel in XXXX they told me to call booking.com i called them they told me if i could give them any info i told them i couldn't because i didn't know about the rooms being booked they gave me my money back ... then two weeks ago they took my money back out my account they said i was still using my card my card was still link to different credit cards and bills i don't even have a card now because im scared something else might happen ... this has cause me stress i have XXXX kids and bills back up i just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry for XXXX Florida I have no idea what it is!
Product: Student loan

On XXXX XX/XX/XXXX I was made aware by UAS that I had a payment for my XXXX Loan  coming due. I am in the Georgia XXXX XXXX XXXX and am enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SLRP ) and between disbursements I put my loans into mandatory forbearance. When I received the email informing me that a payment was due I completed the form for a mandatory forbearance form ( attached ) and sent it to UAS requesting it be applied to my account. The next day I received an email response ( attached ) telling me that I used the maximum amount of forbearance 36 months and that no further forbearance could be applied to my account. I have no idea how this is possible since I have only applied for mandatory forbearances with the exception of one deferment in XXXX when I was XXXX in XXXX. I believe they have applied my mandatory forbearance to my general forbearance time limit. When I called them on the phone to resolve this I spoke to a XXXX XXXX who informed me that they would not place a mandatory forbearance on my account, even after I told her it was mandatory for them to do so, because I had exhausted my 36 month time limit, and that that time limit applied to both mandatory and general forbearances. She told me that I had no other option than to pay the due amount immediately. My service to this country met nothing to her.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a XXXX XXXX XXXX XXXX I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish 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 late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it XXXX Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit card or prepaid card

I disputed a charge on XX/XX/2020, on XX/XX/2020 I contacted the company to request they stop the dispute process. As of XX/XX/XXXX I am still not being allowed to make payments as they claim the dispute process is still on-going. I have contacted the company many times and nobody is able to provide insight or help me make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continuing to report missed payments on a charged off account on a car I surrendered due to XXXX XXXX back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.
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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 13 financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, Experian, and XXXX. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why these accounts are still reporting!! They're not even mine and I have sent every dispute under the earth trying to remove these things from my credit report.
Product: Credit card or prepaid card

I am trying to make a payment through XXXX 's Comenity payment portal but the site has been down since XX/XX/XXXX. They have turned off the customer service phone lines and there is no way to contact a rep nor any way to make a payment. Most importantly, there is no estimate as to when systems will be back up. This is messing with peoples credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 late for any purpose.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach.

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days.

Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX ( bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX  ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed .

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.
Product: Debt collection

I do not have a debt with this company. 
I have not received anything showing me that this is my debt. 
I have not signed any contract with XXXX XXXX XXXX nor do i have any records that I owe this company any money. 

This item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Debt collection

Company continues to try to collect a debt that was canceled by the original creditor and removed from my credit report. The debt is from XXXX but the company continues to report to the credit bureaus that this was a new account open in XXXX. Please have pinnacle provide proof of what they are reporting to the credit reporting agencies. Also I 'm working with officials in the ct consumer protection and ct judicial system to summons pinnacle to court and I 'm am looking for a legal contact number for the company. I was forwarded to a bogus lawyer who sounded like he just woke up and stated he did not work for the company. The company has over several thousand complaints for fraud and non compliance with the federal credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXccount # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.