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

XXXX account with account # XXXX This account is incorrectly reporting that I have 29 late payments. On my XXXX report there are 0 late payments being reported. Furthermore, upon reviewing my credit report, I noticed that the number of months ( terms ) is listed as 0, which is inaccurate information. Additionally, the last report date is inconsistent between Equifax, reporting XX/XX/XXXX, and XXXX, reporting XX/XX/XXXX. Moreover, regarding the payment history of XX/XX/XXXX, XXXX states that the account is marked as rf, while Equifax indicated its ok. This inconsistency violates the FCRA and 15 U.S. Code 1681i. Therefore, I request the immediate removal of this account from my credit report. They are not following the law.

In Accordance to 15 U.S. Code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

In accordance with the FCRA Law Fair Credit Reporting Act ( FCRA ) is a fundamental piece of legislation from 1970 that regulates both consumer reporting agencies and credit reports. It applies to information reported on individuals concerning their credit such as : information collected, used, or expected to be used to evaluate eligibility for credit, insurance, and employment ; assessment of risks and review of consumer accounts ; certain government licenses or benefits and determinations regarding child support ; any criminal history ; other business transactions involving a consumer in their role as consumer. 

The FCRA dictates how and when consumer reporting agencies may give consumer reports. Except for government entities and a few other exceptions, all entities seeking a consumer report must have that individuals consent before consumer reporting agencies may release such information. This includes banks, credit companies, employers, and insurers.

The Act also requires credit reporting agencies to show the consumer the information in their report. Consumer reporting agencies must provide a free credit report once every year, and they must alert the consumer if their information was used to deny eligibility for credit. Also, the consumer reporting agencies must keep the report up to date, including deleting information after set periods of time in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

-After XX/XX/2018 XXXX XXXX did the loan modification for my real property XXXX XXXX XXXX XXXX XXXX , CA XXXX ( see XXXX   documents attached ) My account with XXXX  showing in current Credit report : -- Acc type : Revolving -- Terms : Revolving.

This is Not a revolving account, I can't take money out to use.

This report Hurt my credit rating and Fico core extremely
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

from the begin of XX/XX/XXXX we contacted Kimballtirey- a collection agency posing a lawyers- after noticing that they had posted inaccurate information that continues to affect our credit score. 

we were very firm and advised them to fix it. we forwarded some paperwork to their company (   kimballtirey ) to substantiate that their collection was in error. 

This problem stems from a previous apartment rental by XXXX XXXX XXXX . My family also got in touch with XXXX management and XXXX. The management company did their own investigation and advised Kimballtirey to remove the erroneous information. XXXX management in conjunction with XXXX management contacted me right away to let me know about their instructions to Kimballtirey. 

This Kimballtirey collection agency is not forthright with their conversations over the phone. they also refused to send me a letter stating that they had corrected the mistaken entry that keeps affecting my credit score until now as it is being reported as a late payment on a monthly basis. 

Please see attached paperwork. I currently do not live in XXXX apartments. Kimballtirey removed the original debt collection from the credit report but are fanning ignorance to the erroneous reporting of monthly payments due when i do not owe them any money. And they are also saying that they are not the ones reporting it as late every month bit on the other hand the credit companies- XXXX, XXXX , and XXXX -says and shows Kimballtirey as the company reporting this error. 

Consumerfinace.gov has my full permission- to contact/ call XXXX management to inquire about my standing as they clearly state that I do not owe any money to XXXX apartments. Please see below XXXX XXXX operations support coordinator XXXX apartment communities XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Direct/fax My name is XXXX XXXX I used to rent XXXX apartment from XX/XX/XXXX to XX/XX/XXXX XXXX - cell XXXX XXXX
Product: Debt collection

This company refused to show me the correct amount own, they sold the car and have not show me the amount they sold it, so they are trying to collect the same amount twice. 
they refused to show me document.
Product: Credit reporting or other personal consumer reports

Inquiries are lapse outside statue of limitation of 2 years Trans Union , LLC. 

Account : Date of Inquiry : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to TransU twice before to get them to clean up incorrect information. 
( letter # 1 dated XX/XX/22 - My direct request to you are as follows : Please remove the bankruptcy information, and please remove the addresses, phone numbers and names that do not match what I have listed at the top of this letter. Lastly, the current freeze should definitely remain in place. ) They responded on XX/XX/22 but still showed incorrect information. Ugh! 

( letter # 2 dated XX/XX/22 - I write TransU again. Your letter noted that the bankruptcy has been deleted. However, you are still reporting all of the various names ( or aliases ) and incorrect addresses, I am once again requesting to have that information removed/ deleted. Please provide a corrected report so that I can validate the correctness of the information you are sharing about the file with my name on it. ) They responded on XX/XX/22 with a form letter saying it didn't appear that a third party was improperly authorized to request my info. What?! 

I contacted them online initially and got no response so I sent 2 certified letters. I'm tired of this game and need some help from CFPB for TransU to take this seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXXXXXX account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my transunion and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.
Product: Credit card or prepaid card

Cashapp did not give a clear answer to my question on previous complaint here. My question was why did the transaction to XXXX on XX/XX/31 show the incorrect amount, {$410.00}? And, not only was that amount wrong, none of the 3 ledgers on cashapp reflect the correct amount for this transaction, The amount I spent at XXXX on XXXX {$220.00}, The amount on the csv ledger on the cash app website is {$410.00}. 
The amount on the XXXX statement is {$220.00}. 
The amount on the mobile app mobile app lists the amount of the transaction as {$220.00}. 
Why are the ledgers not consistent. 
Why do the amounts cash app lists for this purchase differ? None of them are correct. Ive tried to get cash app to answer me and they evade the question,
Product: Credit reporting, credit repair services, or other personal consumer reports

The last time I sent a complaint XXXX they responded that they deleted the fraudulent inquiries. Today is XX/XX/2023 and I will upload a picture where all the fraudulent inquiries are still on my credit report. This is a joke for them and I'm sick of making complaints and nobody is doing anything.
Product: Checking or savings account

I had an unauthorized payment of XXXX} taken from my checking account on XX/XX/year> and an unauthorized payment XXXX  taken from my account on XX/XX/year>. I had canceled an auto payment a couple months prior that was originally scheduled for the 21st of every month for the amount of {XXXX. I had recently fallen under financial duress and got set up with a debt consolidation company on XX/XX/year>. This was a loan through Santander Bank. I received no notification about this money being taken from my account and they left me with XXXX in my checking account I was less than 90 days delinquent and like I said before they had just taken XXXX XXXX  which was the original payment ) out of my account on XX/XX/year>. This is why I went to a consolidation company because they were just pulling money out of my account whenever they pleased without any authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on Experian and XXXX for unauthorized inquiries on my Credit Reports. Today which is XX-XX-17 I called Experian and XXXX only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my XXXX Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called Experian and the rep was so rude she would n't even let me get a word in. She then tells me that Experian is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from Experian and XXXX that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.
Product: Credit card

I submitted a dispute using Barclays website, for a purchase made through XXXX totaling {$2000.00}. I never received this purchase and the seller had specifically asked me to send a friends and family payment, after refunding my goods+service payment. I never got any information about this case outcome, until I called into Barclays on XX/XX/XXXX. I was told over the phone that XXXX claims that friends and family payments are a violation of their XXXX XXXX XXXX. I was told by Barclays representative to send over all my documents supporting my case, to have it reopened. I sent by mail AND fax. On Monday, XX/XX/XXXX, I called to make sure Barclays received it, just as the last agent had advised that I do. I was told yes, we got it on XX/XX/XXXX. Today I received a letter dated XX/XX/XXXX from Barclays stating that they were siding with the merchant and that " services were rendered. '' That is not true, and there is not a single shred of evidence to support that. I called again to billing disputes department XX/XX/XXXX. Here, I was told there was a mistake and my case with mishandled by a customer service agent who failed to " pend '' my case and have a manager review it. It was incorrectly closed out. They also counted my fax and mailed copy of the same review as a duplicate, and essentially said I could not re-open it. The agent dug a little further and found the mistake, also that there had only been XXXX letter of communication with me in regards to case results and said that would be grounds for them to re-open the case. I am sending the information he requested, but also opening a case here as it is evident that the case has already been mishandled. I was also given a case report number that was in their internal notes XXXX stating that the case was closed incorrectly without manager review.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$15000.00}
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 ). Cash app failed to take timely and effective measures to provent and address fraud on their platform, leaving my account vunerable and unprotected.

Futhermore, 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, credit repair services, or other personal consumer reports

I have a XXXX account with what is supposed to have a Date of First Delinquency of XXXX and is supposed to fall off in XX/XX/XXXX. Both XXXX have it reporting properly ; EXPERIAN is wrongly reporting it as a more current account. They refuse to correct it via disputes and it is impossible to call them as they no longer take phone calls from people and only use an automated system. I am demanding to speak to a human to confirm the accuracy of this information from EXPERIAN and they will not speak to me. I've tried to get past their automated prompts endlessly to no avail. This one mistake is causing a XXXX point difference in my scores and it is easily attributable to this one wrongly reporting account
Product: Credit card

I was sent an email that I qualify for a credit increase of {$250.00} I received the increase but I also received a {$50.00} credit increase fee
Product: Credit card or prepaid card

On XX/XX/2019 I booked a hotel using a travel site called XXXX at XXXX XXXX XXXX XXXX. I was to pay several installments via their " Pay Delay '' program of {$450.00} to XXXX, who would then forward the total sum to my hotel. On XX/XX/XXXX, I received an e-mail from XXXX stating that due to COVID 19, my reservation had been cancelled and that they would be unable to process any refunds. " You will need to speak to your credit card 's issuing bank for your options. '' I submitted all of this to Citibank 's credit card dispute department. They are now claiming that the investigation has been completed ( after 29 days ) and the dispute was judged IN FAVOR of XXXX. How can these crooks take our money and run? And how can Citibank not see that I am owed the total of {$1800.00}? As soon as you go to XXXX, their website explicitly states that NO REFUNDS can be issued and that we will have to go directly to our banks for assistance. Now, I've contacted Citibank 4 days in a row and I am unable to speak to anyone. The recording tells you that due to high call volume, call back later. This seems to be the easiest case to prove that the merchant did not deliver their promise of a hotel reservation. With the financial burden of the COVID pandemic, we absolutely NEED this money. Looking forward to seeing how the CFPB can help.
Product: Debt collection

This amount was already paid for by my XXXX insurance. This should no longer be in collections, and on my credit report. The amount was already paid for.
Product: Debt collection

the company, " Mr. Cooper '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from Mr. Cooper, with the verbiage, Mr. Cooper is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the CEO of the  monster.
Product: Checking or savings account

The banker used a old account to access my social security number instead of using the XXXX I provided.After I asked her several times not to.
Product: Mortgage

I had a Loan with Calberhome loans.com approx. 20 years ago. Loan was repaid and they didn't release the lien. I have contacted the bank and they said they lost the paper work. They said I need to contact the lost lien department. Needless to say I haven't heard from them either. 

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

XXXX XXXX XXXX keep reporting interest on a charge off account. U have requested a debt validation which was ignored. Every month Im billed interest rate on a closed account. Ive tried disputing with credit bureaus and always comes back as verified. This account reporting is deceitful and need to be checked out asap. This company has already had finalized deal with my insurance when I had an accident with supposed vehicle.
Product: Credit card

I called this weekend and no one could take my call. They just had an automated call center
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX Dismissed Reference # XXXX Date Filed : XX/XX/20XXXX XXXX XXXX XXXX  Dismissed Reference # XXXX Date XXXX : XX/XX/201XXXX XXXX XXXX XXXX Dismissed Reference # XXXX Date Filed : XX/XX/2019
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Checking or savings account

A money network account was created by my employer to facilitate direct deposits. The account had only received direct deposits and no other transactions UNTIL I withdrew from an ATM at XXXXXXXX XXXX on XX/XX/year>. From then, no other transactions were made/authorized by me. On XX/XX/year>, I decided to check if my direct deposit was processed. To my surprise several unauthorized transactions posted to my account. Immediately called to notify money network and they stated I need to fill out a dispute form. The dispute form arrived ( no information of my rights were attached ) and I emailed it back with an explanation on XX/XX/year>. This falls with in a XXXX business day period required for a provisional credit. I have been calling twice a week and now they request additional information but fail to tell me what information they seek. I never lost my card, I was never notified or received fraud alerts. There isnt much more explanation available as it is a new account. I am always directed to a third party customer service company and can never speak directly with a money network dispute/fraud department agent nor can the representatives connect me nor can I find the info online.
Product: Vehicle loan or lease

My car was total XX/XX/year>, and I report the claim to credit acceptance and gave them the report number to the wreck, I told them I had gap insurance on the car through them, they ask me to send the documents over, I sent it through there XXXX, they said they was going to send the insurance company to look at the car, that never happen, Im still getting harass and threaten to send my gap insurance documents, that I sent 2 times to them! Every time I try to log into the portal, its saying unable!
Product: Money transfer, virtual currency, or money service

PayPal complaint ref : PP XXXX I have suddenly been informed by PayPal that they have limited my account and my money will be on hold for 180 days without any warnings and I think this is a scam. They can not legally hold my money without any reason. I would like to access my funds immediately not wait 180 days. I have complained to PayPal without any success I didnt get any response whatsoever. Please help me to get my money back. I attach the reference number of my case. My PayPal email address is : XXXX. 

I look forward to hearing from you. 

Kind regards. 

XXXX XXXX