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

I saw on my XXXX  Credit Report back in early XX/XX/2021 that my mortgage company, Nationstar Mortgage, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to Nationstar using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX  that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called Nationstar customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a XXXX score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Subject : Complaint Against Bank of America Unfair Credit Reporting and Automatic Payment Cancellation I am writing to formally file a complaint against Bank of America, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, regarding misleading and unfair practices related to their automatic payment program. 

When I first opened my credit card account with Bank of America in XXXX, I contacted their customer service to enroll in their automatic payment service. A representative guided me through the process, and I was successfully enrolled. At no point was I informed that my enrollment in automatic payments would expire after 12 months if I did not have a checking or savings account with Bank of America. 

On XX/XX/XXXX, I received a notification from XXXX alerting me to negative reports on my credit history. Upon immediately contacting Bank of America, I was told that my automatic payments had been canceled due to the 12-month expiration rule. I was never notified of this policy when I originally enrolled, nor was I given any warning before my automatic payments were discontinued. As a result, my credit score has suffered, negatively impacting my ability to access credit. 

Additionally, when I requested that Bank of America reverse the negative reporting to the credit bureaus and waive the late feesgiven that I had already brought the account currentthey refused to assist. Despite the fact that I did not request to be removed from automatic payments, Bank of America has refused to correct this issue, which I believe is both deceptive and harmful to consumers. 

Desired Resolution : I am requesting that Bank of America : XXXX. Remove the delinquency reports from my credit history with all major credit bureaus. 
XXXX Credit back any late fees applied due to their failure to notify me of the automatic payment expiration. 

I believe these are reasonable requests given the circumstances. I trusted Bank of America to uphold fair and transparent practices, and their failure to inform me of this policy has directly harmed my credit. I appreciate the XXXX assistance in resolving this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Product: Credit card or prepaid card

Sears Citibank Credit Card reported late payments on this months XX/XX/XXXX & XX/XX/XXXX, even though I called with enough time to ask if any payment arrangements will affect my credit report and they said no. Now theyre saying that because the payment was set up a day after my statement closed they needed to report it that way but never mentioned that through the phone. 

I called to postponed it with ahead of time for the same reason to prevent negative impacts to my credit and because I was going through some financial hardships back then. They help with lowering my payment but I was asked to close my account. I want to make sure those late payments are removed from my account, the account is in good standing and everything owed or due back then was resolved within enough time.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall ( i ) 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. 
and according to 15 USC 1681s-2 they are supposed to 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

I attached a XXXX with my questions " QUESTION ABOUT INTEREST LOAN '' ; statements from 2024 and the loan I took. hope you can assist because this is very confusing. XXXX XXXX
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 financial loss, and I seek. appropriate redress for these violations
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$590000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$600000.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$600000.00} XXXX XXXXXXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

Several errors on my credit report involve unauthorized inquiries under 15 USC 1681c-2. These are harming my credit and need immediate removal.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXX, has violated my rights. 


I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX Soc Sec # XXXX. 

The account is with Wells Fargo Auto Loan account # XXXX amount {$17000.00} with the monthly payment amount of {$350.00}. This account belong to my XXXX XXXX I co -signed for my XXXX XXXX to get a car previously with Wells Fargo . that  car was totaled lose, and that loan was paid off. 

My sister went back to get new car form that same dealer ship ... that financed that car with Wells Fargo ( this below info ) I did NOT sign any documentation for the new car my XXXX XXXX obtained the above loan on her own. 
I have asked Wells Fargo to remove this account from my credit report, to date it has not been done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Lease expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. XXXX XXXX reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and XXXX XXXX to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and XXXX XXXX keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the XXXX XXXX dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into XXXX XXXX 's portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX  XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX  XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Product: Debt collection

I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer.
Product: Credit card

I was contacted by my credit card copany, Capital One, on XX/XX/year> and was informed that someone tried to apply for a credit card in my name. I told the person at I had no knowledge of this being done nor authorized it. He told me that things would be taken care of and gave me his ID number, case number and call back number which are listed below. 

Name : XXXX XXXX Phone : XXXX x XXXX Case # : XXXX
Product: Debt collection

I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact XXXX XXXX XXXX. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, they reported to the credit bureau I did not make a payment and I was late. The account was never late, I made the payments. They made a mistake on my account and did not credit a late fee. This was there fault the late fee was finally credited and the account was current.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. XXXX Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX ...., XXXX XXXX ...., XXXX XXXX ....
Product: Money transfer, virtual currency, or money service

In XX/XX/2020, I made three transfers totaling {$4000.00} to Coinbase. I took positions in 3 virtual currencies. On XX/XX/2020, I requested that my account be liquidated and the funds transferred back to me. I estimate that the value of my account on the day of my request to be {$3200.00}. I have contacted Coinbase on two occasions and was told my request would take five, possibly more, business days to process my request. I have yet to receive any funds, nor has it been explained why my funds are being withheld. I hope you can help me get my money. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New -Res Shellpoint Mtg failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.
Product: Student loan

I filed a dispute with mohela, Requesting a Cancellation/ discharge of student loans from 2 of the colleges I attended which are currently closed now. 
XXXX XXXX XXXX XXXX. 
I also have schools attended that has been over twenty years ago. I am also asking for a cancellation/ discharge of those loans as well. My request was not met by Mohela. Also My annual income is under XXXX XXXX Which also may qualify me for a discharge. I recently applied for the PSLF through Mohela do to working in the hospital. I have not received a response yet.
Product: Checking or savings account

I made a mobile deposit of an insurance check early on XX/XX/XXXX. Since it was a reputable company and a government account I was surprised the funds were not available the next day. I called the customer line at XXXX XXXX and was told they just needed to verify the check but it was scheduled to be released today. At XXXX XXXX I called back and was told it went through the fraud department and cleared and would be available by XXXX XXXX. I called again at XXXX and was told it cleared fraud and should be available anytime. I asked to speak to a supervisor because I needed to know exactly when. " XXXX '' got on the phone and said she put a 2 day hold on it. I wanted to know why and she had no explanation except because she could. When I explained the circumstances that my husband passed away last month and I needed the money she didn't care. She said the hold was staying. I asked to speak with her supervisor and she said she was the supervisor and the decision was hers to make. I asked to escalate the complaint and she said she was the escalation. At that point I became extremely upset and called her a bunch of names. She said if I really wanted to escalate it there was no one there but I could call the main office in Rhode Island. She gave me a phone number which turned out to be nothing more than a branch office. That branch office said they escalated a complaint to the chairman 's office. I'm not sure I can trust them now.
Product: Mortgage

I am requesting that SPS halt all foreclosure sales date because I want my wrongful foreclosure case to go to court. SPS and XXXX XXXX has refused to follow the law.