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

Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account XXXX - XXXX : XXXX and XXXX reported the account as a credit card, while Equifax did not specify the account type. 

Account Status : XXXX reported the account as open, while XXXX reported it as derogatory. 

Balance : XXXX reported a balance of {$260.00}, while XXXX and Equifax reported a {$0.00} balance. 

Credit Limit : XXXX and XXXX reported a credit limit of {$300.00}, while Equifax did not specify a credit limit. 

Payment Status : XXXX reported the account as late 30 days, while XXXX did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Information listed on my file is inaccurate and fraudulent accounts I'm asking that these accounts can be deleted from my credit report. If there is any extra documents that needs to be provided please be sure to reach out to me via email thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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: Money transfer, virtual currency, or money service

I have been having issues with Cash app since XXXX. It started with me sending {$280.00} to a wrong account belonging to my daughter. That issue lasted a month. My daughter finally was able to send it back to my account in XXXX. Cash app only gave her {$270.00} and that is the amount she sent back to me. I received a replacement card for my account on XX/XX/2020. I attempted to use the card on XXXX XXXX. The card was declined. Several more times after that, I attempted to use the card. It continued to be declined. Then I reviewed the card against the information on the app. The card showed a different CVV number and a different expiration number on the card than what was on my account. I discovered that this is the reason why my card kept getting declined. So, I immediately reported the card lost and the app locked the card and sent out another one. I have just received my new card. I reviewed the card itself with the new information that is on my app for the new card.. The same issue is true with the new card that I just received today. The account number is correct ; but the CVV number and the expiration number is different than what is on the card. The card will be declined when I attempt to use the card. Cash app is deliberately sending my cards that I can not use to access my funds. Then if I use it and it declines, then they will lock my account in order for them to investigate. Cash app is getting a little of my money at a time and constantly locking my account. My money is not available to me at this time. My account is locked because cash app locked it.
Product: Credit reporting, credit repair services, or other personal consumer reports

DiTech Mortgage is improperly placing a 30 day late on my mortgage trade line. I make extra payments nearly every month, just in case a payment isn't received by mail, or if payment changes and I haven't been warned ( See attached Payment History ). I received a notice that showed an account number different than the one I have on my ACH payments from XXXX XXXX. There are 2 accounts with DiTech that are in my name, but one of them is managed by my ex-wife and has been for over 10 years. So, I thought it might be hers. I would have been able to take care of this notice of short payment if the letter had the property address on it, but it didn't. I found that really odd. So, by the time I was able to hear back from my ex-wife, we were at the XX/XX/XXXX and a bit over {$100.00} was due. Since I was not at home or had bank routing information when speaking with a diTech representative, I had no choice but to send an ACH payment THAT DAY from my mobile phone ( See attached DiTech Supp Pmt ). My bank shows to have executed a payment on XX/XX/XXXX. DiTech is noting they didn't receive the electronic payment until XX/XX/XXXX ( See Payment History ). DiTech also is not applying my money payments WHEN RECEIVED. They claim to keep money " in suspense '' until the full amount is paid. My note ( See attached ) makes no mention of lender being allowed to hold payment and not apply it to the balance immediately. They are also not sharing with me where the money is being held, if it is collecting interest, and who is entitled to that interest. I ask that DiTech and ALL OTHER lenders CEASE and DESIST from this business practice of holding money in suspense. 

So, the bottom line is that I am paid well in advance of my amortization schedule, I pay extra every month so that nobody may report me as not being credit worthy, or paying back on time. I feel they are trying alternative ways to make money. I want late fees credited, the 30 day late removed from my credit, and a letter from DiTech stating their apologies for improperly handling this matter.
Product: Checking or savings account

I applied for an online loan. To make a long story short, I gave the loan company my Citi Bank bank info and they made a deposit of XXXX. I went to check my account this morning to find I no longer have access to it. I called the bank wondering whats going on and verified everything, including the deposit because thats what I seen for on deposit. Come to find out, the loan company was a scam and the bank closed my account due to them depositing a mobile check and forging my signature. I called the loan people to make them aware of what the bank had told me and they proceeded to use vulgar language with me and demanded I send them the money back. Even suggested I go to a money center like XXXX to keep going with the process. I suggested we call my bank on XXXX way so we can get to the bottom of this ( they kept claiming they were legit. They also wanted to call my bank themselves but I declined that due to the situation thats ongoing ). I explained to the bank what happened and they were thankful that I called to tell them what happened and realized I had became a victim of fraud but because my account was already in process of closure, they said they cant stop it nor can I open a new one. I think thats completely unfair because I was the one that was a victim of fraud. They shouldnt be able to label people as non trustworthy because someone fell victim to a scam during an obviously vulnerable time when you need help financially. I want to be able to continue using citi bank l. I been with them for a year and never gave them any problems and vice versa.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company United Wholesale Mortgage would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXXXXXX. During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message two days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with United Wholesale Mortgage and one with XXXX XXXX XXXX XXXX with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my XXXX XXXX. My XXXX score was at close to XXXX and is now showing on XXXX as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but it appears that there was an internal processing delay that caused the payment to be recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have written letters over the years in regards to this account. I have never lived in the state of Georgia. This account was opened when I was barely 18 and credit was not even a thought. I am also a XXXX male who would not have any interest in obtaining a Victoria Secrets card. Someone has opened two accounts in my name I sent a new letter and identity theft affidavit back on XX/XX/2021 and the item finally got removed Comenity Bank then illegally re-inserted the account back on my credit report afterwards. I have no idea how this account was opened however it's caused a tremendous amount of harm to my credit scores. I went to XXXX Police Department and they stated that I would need to provide additional information for an investigation that leads to an arrest as of today they have not sent me the information requested. This is a serious matter that I would like addressed immediately. Please see attached documents.
Product: Credit reporting or other personal consumer reports

XX/XX/2016 as seen on my credit report EDFINANCIAL SERVICES is the company that has violated my rights, they have transferred my DEBT to a third party XXXX. 


20 U.S. Code 1232g - Family educational and privacy rights clearly states : ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. 

EdFinancial Services, as a servicer of student loans, is required to comply with the privacy protections outlined in FERPA, they have failed to maintain my privacy and educational records.
Product: Credit card

There is a credit card opened in my name being charged and not payed back by a bank in Delaware and I need it closed and taken off my credit report
Product: Credit reporting or other personal consumer reports

To whom it may concern, I was made aware of an error of my Transunion consumer report, the account XXXX XXXX XXXXXXXX has been closed since XXXX of XXXX  but it is still reporting as open. 

Please investigate and validate this account and remove it immediately as I am trying to get approved for a loan and credit card.
Product: Bank account or service

My Bank Of America account was forced closed recently because of lack of funds. I was under the impression that they would decline any transactions that i had not enough money for, but since somehow XXXX is set up as a recurring charge ( which it is not ), they allowed it to go deep into the negative. That is not the worst part, upon closer review I saw that on my transaction statement I had an overdraft charge before i even went negative, which put me in the negative. In the end I currently owe {$260.00} and of that {$210.00} is in overdraft fees. I have contacted them about paying the balance of the transactions made and getting rid of some of the fees but that was not going to happen. so i now am hoping for help regarding this matter. Bank of America is allowing payments that are non recurring to be processed as recurring which allows much easier ways to overdraft people.
Product: Mortgage

I had Hail damage Summer 2016 in Colorado XXXX. I have turned every XXXX of the insurance checks over to my Mortgage Company. I have submitted all the required notarized Lien Waiver 's from the contractors. The Mortgage company has subcontracted the Loss Draft portion to another company, which have been very rude and difficult to work with. The mortgage company acknowledged that their subcontractor was not cooperating and appointed a person at their Corporate office to help, to date this person has tried to help, although the subcontractor is not working with her either. I had an inspection from their inspector and he said 95 percent of my work was complete. I have outstanding bills to be paid and they are not releasing the funds because they are saying 5 percent of the work has to be completed. The 5 percent outstanding are the XXXX, which may not happen until the weather in Colorado warms up. Several of the bills are over 30 days late to be paid. I hope you can help.
Product: Credit card

I had XXXX back in XXXX the XXXX was not performed correctly I talked to the company about it, and they said they would not fix the issue unless I paid more money. The company was never supposed to charge my Alphaeon credit card. So, I disputed the charge to Comenity Bank which is over Alpaeon credit card back in summer of XXXX and it stayed in dispute for over a year I never heard from the bank at all during that whole time until XX/XX/XXXX when they took money out of my bank account and closed the credit card and put the account on my credit report.
Product: Checking or savings account

I had received my social security back pay on XX/XX/ and was going to use it to purchase a vehicle. I searched for chimes website and contacted them via the phone number on the site. I spoke to a representative named XXXX XXXX, in an attempt to increase my debit card limit to purchase the vehicle waiting for me at the dealer. XXXX had stated that accounting needed to verify funds to raise my point of sale limit on my debit card, and made 2 transfers of {$2500.00} each totalling {$5000.00}. One payment went to email address XXXX and the other one went to XXXX. at the same time 2 other debit card transactions came through. One for {$500.00} and one for {$1500.00} to XXXX. After spending 3 hours on the phone with XXXX, who was " working with accounting '' to put the money back in my account, and ended up giving me the phone number to their accounting team. That phone number was chimes REAL number, where they confirmed no chime representative was in my account before that. XXXX stayed on the phone during this, and the chime rep even spoke to XXXX, who was confirmed to be impersonating a chime rep, buy the real chime rep. They assisted in disputing the 4 transactions, neglecting the information i provided about the fake rep/site. They were originally all denied. I reached back out and resubmitted the information, making sure the rep put it all in, and they have only credited back the {$500.00} and the {$1500.00} debit card charges, but denied the {$5000.00} dispute saying the reason being " no error occurred ''. All 4 transactions occurred at the same time, and I don't believe chime is handling this appropriately. I have provided them with the police report 3 different times, and was told by 3 separate reps that the {$5000.00} was PROMISED to me by XXXX XXXX XXXX, and was denied with the reason being " no error occurred '' via email on XX/XX/. I am XXXX, without a home or a car and was desperately needing this money to get back on my feet after leaving a highly XXXX XXXX and trusted chime with my funds.
Product: Payday loan, title loan, or personal loan

Hello good evening I financed a car through Westlake, financial replacing unexpected fees, and taking money out of my bank statement account I have the statements to provide the transaction XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX I called the company see what was going on things dont match up in the end statements they have didnt help or want to retain to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Apparently someone used the account in XXXX and they charged me, which I tried to fix with the card bank and they didn't accept. The account was settled at 3 ( Collection ) but the original owner refuses to update the credit report as if the account was settled.