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

Our payment for XX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on theXX/XX/XXXX was paid on XX/XX/XXXX ( 8 days past due ) and XX/XX/XXXX payment was due on theXX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for ourXX/XX/XXXX account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/XXXX
Product: Debt collection

I have requested validation on this debt 2 times and the company has failed to send me any proof that I owe this alleged debt but continues to report this information.
Product: Credit card or prepaid card

This is a complaint about the company Money Network who is contracted to issue/oversee the Economic Impact Paymant ( Stimulus ) card, My complaint is that I am having a great deal of difficulty withdrawing money without being charged fees, Today ( XX/XX/21 at approximately XXXX XXXX  I went to XXXX at XXXX XXXX XXXX XXXX CA XXXX to withdraw the money from my card at the XXXX ATM. I input the card and correct pin number and the machine cancelled the transaction ( no explanation given as to why. ) At approximately XXXX XXXX  my husband went to the XXXX XXXX  at XXXX XXXX XXXX XXXX  CA XXXX and attempted to withdraw money only to be told there would be a XXXX fee charged, despite it being a XXXX  ATM. We obtained both of these locations off a online list as suggested by Money Network. 

A telephone call to Money Network ( which makes callers listen to lengthy informational messages and push multiple prompts before getting help ) reported that though the XXXX XXXX location ATM was an XXXX ATM, it wasn't an 'in-network '' XXXX ATM. How can the public naviagate this purposefully confusing system? The only explanation for such subterfuge that I can think of is that Money Network hopes consumers will just give up and pay the fees, which is outrageous during a pandemic. 

There should be no fees associated with obtaining Stimulus funds -- period. A clear list of the location of truly fee-less ATMS should be provided to every payee with the card itself. The money should be easily assessible without multiple tripss and surprise fee.
Product: Money transfer, virtual currency, or money service

I have contacted PayPal about a payment sent to XXXX XXXX for {$150.00} and in the description I put that it was a payment for concert tickets which I never received and they blocked me. I tried to contact PayPal for a refund but they would not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, XXXX  as well as an old XXXX XXXX in XXXX  XXXX., I have requested numerous times to remove XXXX XXXX XXXX  who is on bkXXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX dischargedXX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
Product: Credit reporting or other personal consumer reports

In relation to 15 USC 1681c-2, my credit report includes unauthorized inquiries that I did not approve. These inaccuracies are hurting my credit. Please remove them at once.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : 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

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update these erroneous account. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have submitted this letter below to Carrington Mortgage as well as XXXX, XXXX, XXXX. Carrington responds with everything is correct with being 30 days late. I talked to a representative at Carrington, explaining the situation. Which they were closed on the last day I could pay within 30 days because it was after XXXX and I needed a 4 digit pin code to pay with XXXX XXXX. I never received an email from them only a letter dated XX/XX/. They said they cant change it and they legally have to report me. I think its unfair that they have the last say and couldnt understand where I was coming from in this situation. I even send them a credit report of how I have never missed or been late for an appointment. 

Reference # XXXX To whom it may concern ; I am writing in regards to a late payment that is reflected on my credit. This late payment was a result of a cascade of events unbeknownst to me. The original payment was made through an auto payment that is scheduled biweekly. On XX/XX/XXXX  the payment was credited back to my account. I received a letter from Carrington on XX/XX/XXXX  and did not receive the letter until XX/XX/XXXX  due to being out of town due to a work obligation. I attempted to schedule a payment immediately but was unable to due to this service being unavailable. I contacted Carrington on the next business day ( XXXX XXXX XXXX  ) to schedule a payment. During this phone call I was directed to send payment via XXXX XXXX, money order or XXXX XXXX. 

I would like a full review of my credit report and reconsideration of this late payment. My credit history is notable for a long standing 18 year account with no missed payments, among other notable histories. This late payment is very harmful to my credit report and would ask if there would be consideration for a one time removal of this late payment.

I appreciate your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

On XXXX  XXXX 2020, I transferred $ XXXX from my Bank of America checking account to my XXXX brokerage account. My Bank of America account activity displays the transfer following a confirmation number. However, my XXXX account activity shows the $ XXXX was credited on XX/XX/XXXX, immediately following - $ XXXX. I was told by XXXX that the transfer was unsuccessful due to missing information and should've been refunded back into my Bank of America account. Bank of America eventually told me that the funds landed with XXXX, an institution I've never heard of and am not affiliated with. I asked Bank of America for details regarding the XXXX account that holds my funds, but they said I'll need a subpoena to request the details of the account. XXXX will not provide any details unless I have an account number. I've exhausted all avenues that are available to me. I've been in contact with dozens of representatives but these are the two that I've e had the most contact with : XXXX, XXXX XXXX XXXX extension XXXX, Bank of America, XXXX XXXX XXXX.
Product: Mortgage

The mortgage company ( Select Portfolio Servicing , Inc ) wrongfully put forced placed insurance on the property when there was an active policy. They were well aware that the property had an active insurance policy. 

After months of attempts to get them to remove it they finally did but refused to remove the charge on escrow. We have had a lawyer hired to resolve this matter but they refuse to remove it. ( {$7500.00} XXXX We had notified them months ago that we wished to pay off the loan and unfortunately we have had to pay interest for these months due to the delay caused by these improper charges. ( 6 months ) We filed a CFPB complaint ( XXXX ) and they responded giving incorrect/false information stating that the XXXX policy lapsed in XX/XX/XXXX when in in fact there was an active policy until XX/XX/XXXX and a new policy active right when that policy expired with no Lapse. ( please see attached insurance dec pages for XXXX & XXXX. ) We, Our lawyer and insurance agent have provided both policies to the Lender multiple times. The Attorney send multiple letters and communications to the Mortgage company. Now I've been forced to file a second complaint because they gave incorrect/false information to the CFPB when the policies clear show there is not lapse in coverage. 

I am attached the declaration pages to show that there was not lapse in insurance.
Product: Checking or savings account

Divorced in NY, XX/XX/XXXX, ex spouse maintained full control of my Citibank, XXXX, NY checking account during and after divorce, XXXX. 
This action in contempt of divorce judgment and stipulations. 
All deposits into my account and withdrawals rerouted, bifurcated, used to pay off his personal debts. 
I have received some of the copies of checks requested, they are either washed and forged or endorsed with 3-4 unique accounts owned by my ex spouse. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XX/XX/. Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Debt collection

Collection company isnt license to collect debt in North Carolina. 
Their license expired as of XX/XX/XXXX and they recently started trying to collect in XXXX. I knew something was wrong when they rarely answered their phones. I got through a few times but after calling tons of times only to find that they arent license to collect. Attached photo of proof. 

Company : XXXX XXXX : Amount {$830.00} added to credit file account XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to XXXX on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems XXXX has reported to XXXX XXXX XXXX  ( credit reporting agencies ) that my debt was opened ( debt originated ) on XX/XX/year>. The date is incorrect. The debt took place over XXXX  years ago, and thus should be removed from all credit reporting agencies in accordance with XXXX and XXXX Laws.
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 has cost significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting pursuant to 15 usc 1681 ( a ) ( 1 ). My consumer report isnt accurate! And thats not Fair! You have violated my rights for the last time. The injured party has been in the dispute process for these inconsistencies, inaccuracies and outright fraud on my account for too long with no compliance. 
Disputes have been sent to eliminate the inaccurate account because the date the account was allegedly opened ( which is still reported incorrectly ), the high balance of the account, which is a direct cause for my interest rate being XXXX higher than the nations average. The injured party has exercised their consumer rights to dispute inaccuracies and you have failed to provide maximum possible accuracy in your reporting pursuant to 15 usc 1681e ( b ). Part of the dispute process is disputing with the original creditor and once the injured party did follow through with the process ; XXXX XXXX XXXX XXXX sent me proof of the inaccuracies by stating we noticed inconsistencies with the reporting if the person furnishing the report can notice it why didn't the Credit reporting agencies? This is a direct violation of my consumer rights as you EXPERIAN and XXXX purposely failed to follow reasonable procedures to assure maximum possible accuracy. ( 15 usc 1681 ( i ) ) Experian and XXXX you have pushed the duty to verify onto the furnisher and never did your due-diligence to reinvestigate. Your failure to be fair and equitable with reinvestigations is proof that you have shown neglect in regards to consumers rights privacy. ( 15 usc 1681b ) You will be held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit report is incorrect and showing accounts I didnt open, Complete fraud
Product: Debt collection

Equifax has fraudulently allowed XXXX XXXX XXXX XXXX to report negative information on my credit report. I have filed a complaint with the FTC and the law enforcement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items undergo investigation and be eliminated from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor can not confirm should be promptly removed. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Kindly send an updated copy of my credit report to the address mentioned above. As per the act, I should not incur any charges for this updated report. Furthermore, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and cooperation in resolving this matter. 
Yours sincerely, _____________________________________ XXXX XXXX
Product: Debt collection

I experienced a distressing case of fraud and I am requesting that these fraudulent items be reported and removed from my credit report. During that challenging period, I was diagnosed with XXXX XXXX and XXXX  XXXX, and I was awaiting an emergency XXXX XXXXXXXX. It was a life-threatening situation, and I came very close to losing my life. While recovering from the XXXX, I discovered that fraudulent activities had occurred on my credit report. 

I reached out to the companies involved multiple times to explain that my identity had been stolen and that I had no connection to these accounts. Unfortunately, my pleas were met with indifference, as they insisted that I was responsible for the accounts simply because they were listed under my name. This has been incredibly frustrating, especially given the circumstances I was facing at the time. 
On top of everything, I am overwhelmed by the constant harassment calls from these creditors and bill collectors. It has become exhausting, and I kindly ask for these fraudulent items to be removed from my records. Thank you for your attention to this matter. 
XXXX XXXX XXXX Original creditor : MXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance {$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX Date XXXX Balance {$7300.00}
Product: Money transfer, virtual currency, or money service

PayPal has suspended my account without cause and is withholding funds from withdrawal. Standard financial institutions issue checks immediately after account closures. Instead, PayPal is illegally withholding funds of {$15000.00} that is needed to continue to operate business as well as day to day personal life. I am not necessarily asking for my account to be reinstated, but please release my funds immediately.
Product: Mortgage

In XXXX of XXXX I made a final payment on my account for the full amount I was shown I owed. 
A few days later when I checked my account it was showing a small payment of {$60.00} so I made that payment. 
about 2 weeks later I got a call from my mortgage company and they said I had over paid and they revered the payment of {$60.00} and said my account was paid off. 
In XXXX I got a notification that there was an account placed at 30 days past due, and when I checked it was my mortgage company. 
I called my mortgage company and got told I owed {$1800.00}, {$2900.00}, and {$2300.00} by the same person I spoke with. 
Every time I called in I was told my account was showing paid in full, but I owed corporate advances. 
After disputing them, my mortgage company closed my account and listed it paid in full in XXXX of XXXX. 
A few weeks later I received a notification again on my credit report of an account being charged off. 
Upon checking my report I noticed it was my mortgage company and they said I was charged off for a total of {$3.00}. 
I have contacted them and was told everything is correct and that they would not removed the negative remarks. 
I am requesting that my credit report be fixed back to XXXX of XXXX and my account to reflect that it was paid off in full.
Product: Student loan

I decided to check my credit report today. Only to find that I am being reported for late payments when I am on an Income based repayment plan. I have been on this plan for the last 12 months which they should not be reporting for late payments on my credit report due to late fees. I reached out to Navient today and spoke with a representative by the name of XXXX XXXX code # XXXX on XX/XX/XXXX. I spoke with her regarding this matter and I was told that I am on this plan until XX/XX/XXXX. I asked for what reason are they reporting late payments when I am on this plan.She then went on to state that it was because of late fees. I stated well that does not make sense. I also asked If I could request something in writing thats states this. She asked me to hold while she checks with the processing department. She came back to the line after 6 minutes stating that department was closed but she will put in the request for the information for me. I went to on to explain to her how that didn't make sense about being reported for late payments due to lates fees. I have done forbearances in the past or any kind of hardship assistance with my loans and they always report it as being in good standing to my credit report. I went on ton explain to her how I am already aware that I am on this plan until XX/XX/XXXX. Then after that I would then determine if I would like to apply for another Income based repayment loan or go with a forbearance. I can also go into my profile with NAVIENT and see that there are sums of XXXX balance due for each month while on this repayment plan. Please look into this matter I have already made a dispute with the credit bureau as well