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

reporting this collection as an Closed account which is not under FCRA compliance. This is inaccurate reporting, and it needs to be removed immediately. 
Violation of U.S. code 1681
Product: Credit reporting or other personal consumer reports

I have been disputing inaccuracies on my credit report related to a XXXX XXXX account ( Account Number : XXXX ) since XX/XX/XXXX. Despite submitting three rounds of disputes to the credit bureau Experian, they have failed to correct these inaccuracies, which include : XXXX XXXX ( XX/XX/XXXX ) : I disputed the account due to an incorrect reporting of my credit limit as {$500.00} instead of the actual {$800.00}. This mistake inflated my credit utilization ratio, negatively affecting my credit score. The dispute was returned as " verified, '' but no correction was made. 
XXXX  XXXX ( XX/XX/XXXX ) : I disputed the incorrect " Date of Last Payment, '' which was reported as XX/XX/XXXX, when the actual last payment was made in XX/XX/XXXX. This error impacts the accurate calculation of delinquency periods. Again, the account was verified without any changes. 
XXXX XXXX ( XX/XX/XXXX ) : I disputed the account status, which was shown as " Charged Off '' despite the account being paid in full through a settlement agreement in XXXX. This critical error has significantly harmed my creditworthiness. Once again, the account was returned as " verified, '' with no corrections made. 
Each time, I requested a procedural investigation, but the credit bureau has consistently returned the account as " verified '' without making the necessary corrections. This ongoing failure to correct inaccuracies has caused significant harm to my credit score and subjected me to undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX our payments have been showing delinquent even though our account is set on auto-pay through the bank. In XX/XX/XXXX we asked for a payment arrangement on our account due to having to have work done on our car. We were never told by Credit Acceptance Corporation that our account would be reported as past due because we requested a payment arrangement. When we pulled our credit report, it should that our payments are reporting past due every month from XX/XX/XXXX until this very day. We also notice that in XX/XX/XXXX when a payment arrangement was placed on the account it showed that we missed a payment. We were never told that payment arrangements would show our account as delinquent. We pay extra every month on our car note even before the payment arrangement was requested. Our payments are {$350.00} per month and we pay {$440.00} per month since XX/XX/XXXX. This is a joint account and it appears this way on both of our credit reports. This is preventing us from trading our car in or purchasing a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to XXXX, Experian, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 accounts 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 these 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: Credit reporting or other personal consumer reports

TransUnion, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Money transfer, virtual currency, or money service

hello, my name is XXXX XXXX. i live in XXXX. i am a creditor of XXXX, the bankrupt exchange. XXXX sent me an e-mail months ago. in the content of the e-mail, they told me to open an account on coinbase and verify my account in order to get my remaining balance in XXXX. so i opened an account on coinbase and started the identity verification process. but coinbase did not approve my identity. I sent them whatever they asked. I answered their questions. why did you not approve mine while the accounts of other XXXX users were approved? i will only get XXXX dollars of XXXX and eth coins from XXXX. nothing else. please remove the restriction on my account and XXXX can deposit my balance. i have been trying for months please help.
Product: Debt collection

XXXX XXXX XXXX kept the bill and when the debt collection timeline passed, they sold the debt to another collection agency and restarted the debt collection timeline. 

Then, while trying to apply for a mortgage, I settled with ERC ( enhanced recovery company ) for {$390.00} which was less than the original debt, but I was told that I could settle for less than the total debt owed and this would take care of the problem. 

However, after I settled with ERC, they would not provide the correct documentation to show that the debt was settled and I no longer owed any money on that account. 

They would only provide the correct documentation when my mortgage loan officer did a 3 way call with them and informed them that she would be contacting the president of the company to report that they were violating the following law : Here is what the law says : Since they report to at least 1 bureau they must follow FCRA reporting rules and provide non contingent invoice/confirmation of the acct being a zero balance either via snail mail, email, fax upon request. 

Beyond that, the " supervisor '', XXXX XXXX, was incredibly rude, condescending, and seemed to take pride in being difficult and not providing what I needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 requested removal of inaccurate personal information from credit report to Experian credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. The Credit Bureaus are required to remove the disputed accounts and information that resulted due to identity theft or else proove that the disputed items belong to me my providing proof of authentication such as documents bearing my signature. I need the following items deleted from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} Date Opened : XX/XX/2015
Product: Credit card

I 'm Filing This Complaint Against Wells Fargo AFTER Being Denied A Third Time, I REPEAT A Third Time For A C.L.I. On A Card I 've Had For 3 Years. I 've Been A WF Customer For OVER 4 Years, My Card Began As A Secured Card, And I Was Told That When It Became UN-Secured, I Would Receive A Limit Increase, because My Payments Were Automated ; And It NEVER Happened. My Card Has Now Been UN-Secured For OVER A Year Now, And In The Time Since, I 've Gotten XXXX OTHER Cards, XXXX With TWICE The Limit Of My WF Card, XXXX Of Which Has A Limit 7x The Limit Of My WF Card. The Other Of Which Has Received XXXX Limit Increases AND Is Currently OVER THREE TIMES The Limit Of My WF Card. ONLY XXXX Of The Cards Has A Utilization Of More Than 30 %, And My WF Card Has Carried A XXXX Balance For Approximately 3 Months & Counted. I Also Purchased A Car with NO MONEY Down, NO INTEREST, NO PAYMENT For 60 Days AT 5 % APR. My Take Home In 2016 Exceeded My Expenses by Over {$1100.00} Monthly, And I 've NEVER Missed A Single Payment, On ANY Of My Accounts. Wells Fargo DOES NOT CARE ABOUT THEIR CUSTOMERS AT ALL. They Have ZERO INTEREST IN HELPING THEIR CUSTOMERS DEVELOP A FINANCIAL FOUNDATION, Retaining Current Customers OR Gaining Future Business. I Had EVERY Intention On Opening A Business Account With WF, But That Is NO MORE. I ONLY Bank w/ Wells Fargo Out Of SHEER Convenience, because Both Of My Little Sisters Have Accounts, And It 's Easy To Transfer Funds. However, AS SOON AS I Restructure My Business, We Will ALL Be Moving Over To XXXX BANK. WF Has THE WORST Customer Service I 've EVER Experienced, And Some Of The MOST ill-advised People I 've Ever Had The Dis-Pleasure Of Speaking With Inside Their Branches. I CAN NOT Wait To Change Banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX WERE ERASED FROM MY CREDIT PROFILE FROM XXXX AND XXXX SEVERAL MONTHS AGO BECAUSE OF AN ACCOUNT THAT I DO NOT HAVE WITH THEM. AND THEY NEVER ONCE PLACED ANYTHING ON MY EQUIFAX ACCOUNT NOW ON XXXX OF THIS YEAR THEY JUST PLACED A COLLECTIONS ACCOUNT FOR {$550.00} ON MY EQUIFAX ACCOUNT WHICH IS ILLEGAL AND UNETHICAL. BECAUSE THEY KNEW THAT THEY COUD N'T PROVIDE ANY DOCUMENTATION THAT I HAD ANY ACCOUNTS WITH THEM. I WANT THEM TO IMMEDIATELY DELETE THIS NOW
Product: Student loan

Hello, EDfinancial is my loan servicer. On XX/XX/2023 I requested a refund for XXXX as I made a payment. However, due to family troubles and hospital bills I need the money to help my father and pay for it. I requested the refund same day and I got an email saying it was processed. However, when I called to confirm eta no one.. no one could tell me an eta. This to me is concerning because its been almost 3 weeks and there has been no updates on whether the refund can even be processed an accepted. I need to pay the bills off as soon as I can and I am very worried about not having the funds. I am hoping to get some help to get any info or speed on this process. Thank you for reading my store. Take csre
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the fair credit reporting act Amazon store card account number XXXX has violated my rights. 

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

15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax 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 : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX, 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 a XXXX XXXX credit card that was paid off. There was an automatic payment assigned to it that should not have been. The card was being charged without my knowledge and the automatic payment of the balance of the credit card did not work properly due to an error with my checking account from another bank. I received a notice on my credit card of a delinquent payment via Experian. I immediately called and spoke with XXXX XXXX they stated if I paid it in full while on the call the late payment would be removed from my credit report. I did what they said. The credit bureau is refusing to remove the late payment per the request of XXXX XXXX. As this was a combination of errors on the company that was charging me and the automatic payment to XXXX XXXX this late payment shall be removed from my credit report. I have XXXX years of never missing a payment and this now causes challenges for something that I was unaware of and outside of my control. I had also moved so all notifications via mail never made it to my current address. It was not until I looked at my credit report I was made aware of the issue.
Product: Mortgage

XXXX 2015, I showed up to my home and the locks had been changed. I contacted the company and they said the I had abandoned the home. I tried to talk t the company, OCWEN ( Owen Loan Services. ) They told me that I could not get the home back. They sold the home and said they were not going to give me the difference from what was owed on the loan. I spoke to the legal department. He told me I only owed 3 years on the house so they were going to sell it and make a profit. They took my furniture and all contents in the home.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

I am disputing the information regarding an account I do not recognize, which appears on my credit report. If this debt can not be properly validated, I request that it be removed from my credit report in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). Please note that verification is NOT the same as validation, and I expect this account to be removed if it can not be properly verified
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby assert my rights as a private individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent.

As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, TransUnion, and XXXX, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report has led me to file an identity theft report.

I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) : to e quao 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 XXXX untair an deceptive, as they XXXX nor '' ) 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 ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}
Product: Mortgage

My mother, XXXX XXXX, passed away XX/XX/XXXX. On her death, that property became mine. 

On XX/XX/XXXX, my mother got a Reverse Mortgage from Reverse Mortgage Funding, XXXX XXXX XXXX, XXXX, Texas XXXX.

We paid off the Reverse Mortgage on XX/XX/XXXX. On the payoff notice, there was a charge of {$450.00} for an appraisal. We have been told at least 3 times that we would be getting a copy of that appraisal. To this date, XX/XX/XXXX, we have not received a copy of that appraisal, leading us to believe the appraisal was never done. 

This is the email I sent to Reverse Mortgage Funding on XX/XX/XXXX : " We have been trying to get a copy of the appraisal for my house at XXXX XXXX XXXX XXXX XXXX AZ XXXX for about a month now. Somewhere around Wednesday, XX/XX/XXXX, I called to ask for a copy of the appraisal that supposedly was done on XX/XX/XXXX. She said she would get that out to me right away. What was sent to me was the original appraisal done in XXXX. I specifically asked for the one done XX/XX/XXXX. I didn't ask for or need the XXXX appraisal. It is no use at all to me. 
Wednesday, XX/XX/XXXX, I called and talked to a woman again about getting that XX/XX/XXXX appraisal. She said we would get a copy of it in 1 or 2 days. This is the 3rd day. We got a Priority Mail package this morning, but again, there was no copy of the appraisal. All we got was the attached document which had several errors. 
In that letter on page one, it says : " On XX/XX/XXXX, the appraisal was downgraded to a drive-by appraisal because the point of contact refused to allow the appraiser access to the property because an appraisal was already completed by the Estate. '' That did not happen. We were there waiting for the appraiser to do the appraisal. There was someone there all day. No one ever came. 
On page 2, the letter also says ; " On XX/XX/XXXX, when you called to inquire about the securing of the property, you were not yet authorized on the account to receive account-specific information. It was not until XX/XX/XXXX, that we received the Grantee-Beneficiary Deed indicating that you are the Grantee-Beneficiary ... '' That also was very frustrating to me. I had emailed the documents 2 times ( see emails XX/XX/XXXX & XXXX, XXXX ) before I left XXXX on XX/XX/XXXX, before they eventually saw that I was authorized. Just last Wednesday, XX/XX/XXXX when I called, I had to get through 2 people  saying I was not authorized. The third person saw that I am authorized. She is the one that said I will have the appraisal in 1 or 2 days. That time has expired. The letter did not contain any appraisal again, as noted above. 
Since Reverse Mortgage Funding seems so reluctant to send us that appraisal, we can only conclude that no appraisal at all was done. We are now asking you to refund the entire {$450.00}. ''