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

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all XXXX companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to things I reviewed on my credit report. I've been trying to get this resolved with them and no results. However, 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. Account name : XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX has 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. 

I will move forward with other options if this doesn't get cleared up.
Product: Student loan

I have tried to contact my loan company regarding my loan information and defaulting. My loan has been sold to a second collection agency who refuses to work with me and give me false information. Often times I am unable to find out my balance and verify my funds being taken from my check are actually being applied to my school loan payments. AES refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Debt collection

Im supposed to be granted a 6-month grace period, a window in which they persist to call and harass me. My family and I quiver by the answering machine as they mercilessly continue to shake me down. I would have never expected the effects of my student loan experience to carry over to my family, or cause us this much emotional distress over the holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports
Product: Debt collection

A company called Mountain Run Solution put a derogatory mark on my XXXX and XXXX credit reports for the unpaid amount of {$880.00}. I've disputed this information. I do not and have not interacted with a company called XXXX XXXX XXXX. XXXX removed it, however XXXX DID NOT.
Product: Bank account or service

I bank with Rushcard prepaid services and on Monday they went through a system update which left me with not being able to use my car for XXXX - XXXX hours while the update was taking place now the update is over and I still can not access my account I can not get in contact with anybody and customer service all my money is in my bank account I can transfer funds I ca n't deduct my money from the atm I 'm not able to do anything my direct deposit goes in tomorrow which is XXXX XXXX I need to pay my car payment and I need gas I need food on the table
Product: Student loan

On XX/XX/XXXX I applied through studentaid.gov for the SAVE repayment program and was accepted on XX/XX/XXXX ( account stated that loan servicer had completed the review the application ). According to studentaid.gov my monthly repayment amount was XXXX. 

I am signed up for automatic payments and on XX/XX/XXXX Aidvantage took XXXX ( instead of the XXXX ) that I was expecting to pay. I spent nearly an hour on their chat help service on XX/XX/XXXX and was told the reason was that I did not call them to request the forbearance period that was a part of the plan. They stated I had to call. I spent another hour that afternoon calling to have them put me in the SAVE plan that I already applied for through studentaid.gov, they asked me for all my financial information again ( that I had already given through my application with studentaid.gov ), confirmed the new payment amount of XXXX which was to begin in XXXX. 

On XX/XX/XXXX I received a notice from aidvantage that my next bill will be due on XX/XX/XXXX and will still be {$800.00}. 

At this point, they have already taken 2 hours of my time and {$350.00} from my bank account, and the result has been that they are still planning to over charge me.
Product: Vehicle loan or lease

Purchased a vehicle from XXXX XXXX on XX/XX/2020 with the intent the vehicle operated as expected. I test drove the vehicle without incident. After signing the documentation for purchase, I drove the vehicle home and experienced trouble. The engine loss power and back-fired. I managed to get home and called the local XXXX Dealership for a vehicle inspection. They informed me " Cylinder 5 '' misfired and has a leakage. Also, Cylinder 6 has a leakage as well. I contact XXXX  XXXX with the issue and they have given me the run-around and refuse to take my call. They say, " We stand behind all of our cars.. '' But, instead, they won't support this vehicle. The purchase price was {$62000.00} with {$3000.00} down payment. 

According to XXXX XXXX XXXX XXXX, Virginia, the vehicle requires {$13000.00} in repairs of which will not pass state inspection. Nor, will the vehicle pass emission inspection for State License Plates and Tags. The tires are completely BALD. Upon notice, which they already new before I came to the dealership the condition of the vehicle and was hoping I wouldn't discover the condition until after the 30-days warranty. The dealership is nonresponsive as the days move forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX allowed DIVERSIFIED ADJUSTMENTS ( a collections ) agency to list a collections dept on my credit repot for XXXX dollars that I do not believe is mine. When I filed a dispute with XXXX they allowed the false collections to remain on my account without obtaining " written '' proof that the debt belonged to me. This XXXX dollar collections dated XXXX which possibly cause a mortgage application to be denied. The Mortgage credit report was processed by XXXX XXXX XXXXXXXX XXXX and Experian both recognized the collection to be false when DIVERSIFIED ADJUSTMENTS tried to report it years ago and removed it from my report even though DIVERSIFIED ADJUSTMENTS attempted to add it to my report multiple times. 

I uploaded all three of my credit reports and you will notice that XXXX XXXX XXXX do not show the collection from DIVERSIFIED ADJUSTMENTS.
Product: Vehicle loan or lease

Account has been open fraudulently. This account is affecting my credit.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting late payments on my XXXX XXXX XXXX account when I was not late. This account was included in a Bankruptcy. XXXX and Experian are reporting late payments after my bankruptcy was discharged and I was never late. 
I should have 100 % payment history and I do not hurting my Fico score. 
This is NOT accurate and the account should be deleted from my credit report with Experian and XXXX!!!
Product: Credit card

I have a PayPal Credit Card account from Synchrony Bank, and the card was stolen nearly 2 years ago in XXXX XXXX XXXX almost 2 months after I had opened the account. I had reported it immediately and customer service had stated that the card would be locked and that I would receive a replacement within a month. It was never replaced or locked, and PayPal Customer XXXXupport has continually refused to help me with this matter to this day, even to XXXX XXXX that they hang up on me when I try to call them every month. When the card was stolen, I had a {$0.00} balance. Recently, Synchrony Bank has sent me to collections for a {$4200.00} balance which I do not owe as the card was stolen when it had a {$0.00} balance and in the meantime my credit score has dropped from over XXXX points to around XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a used vehicle loan with FLAGSHIP CREDIT ACCEPTANCE since XXXX of XXXX. The lender is falsely reporting that the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. Lender 's own payment history on account demonstrates otherwise. FLAGSHIP CREDIT ACCEPTANCE processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX, and a processed a payment on XX/XX/XXXX. I have attached a print out of payment history from the lender 's customer portal on their site https : //my.flagshipcredit.com/Default.aspx? BrandingID=Flagship #! /paymenthistory. The payment history confirms payments during those months and also include payments made before and after as well. I have also attached canceled checks for those aforementioned payments. 

I have made a complaint through creditor that was not addressed by lender and I wrote lender a letter with attached proof pf payments via USPS return receipt letter that lender did not reply. 

The error is not only false but is severely hurting my credit score. FLAGSHIP CREDIT is implementing PREDATORY LENDING behavior as it uses credit history or erroneous payment reporting to harass and discriminate against borrowers. 

FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Upon reevaluation, I disagree with the findings of the previous investigation. While the XXXX XXXX XXXX XXXX  account # XXXX was verified, there's no clear evidence of late payments for the specified dates. I request a statement from the creditor to confirm any late payments. If not available, I suggest updating the account immediately, as XXXX and XX/XX/year> payments were not late.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX @ XXXX Hawaii XXXX. I called TransUnion at XXXX and spoke with XXXX from XXXX XXXX XXXX. I asked to XXXX ) speak to a supervisor and she states " I can't transfer a call from this department ''. She instructed me to hangup and a supervisor will return my call. XXXX insisted that she can help me. She suggested that I 2 ) use an old account " XXXX '' XXXX ) an create a " New Password '' I informed her that I have already created a new account! She XXXX ) give me a temporary password " '' XXXX '' via email and XXXX ) temporary code " XXXX '' via email. XXXX ) She said to use the New Password and that she will give me what I need to put in " XXXX '' I said " This is unethical. '' Why do you need access to my account! I hung up and c/b to speak to another supervisor " XXXX '' XXXX Who deleted the old account, created a new account. I informed her that I was XXXX ) blocked from using TransUnion. XXXX had me use another brower XXXX ). I was able to purchase a credit score 9 ) Informed XXXX that I will file a complaint XXXX ) XXXX says that she will followup with the XXXX XXXX opened on XX/XX/XXXX and Hawaii XXXX XXXX XXXX XX/XX/XXXX, both account still not updated, XXXX ) haven't heard from XXXX and I haven't seen any changes. XXXX ) STILL trying to update my information. XXXX ) Notified XXXX XXXX XXXX on XX/XX/XXXX spoke with XXXX via phone, by law the banks has 15 days to report a new account and XXXX XXXX spoke with XXXX via phone XX/XX/XXXX and TransUnion Via phone XX/XX/XXXX @ XXXX spoke with XXXX XXXX XXXX will XXXX ) send me a letter to confirm current address ( see attached ) letter rcvd and confirmed. XXXX ) unable to update my information on TransUnion website bc I'm blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoned XXXX XXXX Bank asking why they did a hard hit on my TransUnion credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use XXXX XXXX Bank. They use XXXX Bank. No reason why XXXX XXXX Bank created a hard hit then removed it. It will remain on my TransUnion report for two years according to TransUnion.
Product: Mortgage

On XXXX XXXX, 2016, my son passed away. His home was mortgaged through Wells Fargo Home Mortgage. I being his Mother, immediately called Wells Fargo to notify them within no more than 5 days of his death. They advised me to fax them a death certificate and they would take care of the situation, including removing him from the auto-pay system ( withdrawing money from his account ). Which I did!. Wells Fargo did not remove his name from the auto-pay, Therefore, Wells Fargo went ahead and took the XXXX payment anyway, in the amount of {$460.00}, and the credit union allowed it even though there were no funds in the account, as a " courtesy credit ''. 
Since my name was on his account due to the fact that he was a XXXX, XXXX, the credit union seized my savings account to pay the amount that Wells Fargo took out. In addition, there were XXXX insufficient fund charges in the amount of {$120.00}. I was fortunate enough to have the credit union waive the insufficient fund charges, but refused to return the {$460.00}. 
I, in turn called Wells Fargo regarding the return of the funds that they has no right taking in the first place, and was met with total disregard from the person ( s ) I spoke with, saying that he/she had no idea of what I should do. 
Since I do n't think I am responsible for this debt, my son lived on his own, was responsible for his own debt, and my name was n't on his mortgage, I would be very appreciative if CFPB could help me with retrieving these funds. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account with XXXX XXXX is being wrongly represented on my credit report with Experian My account is being managed with a Credit Counseling program and the Agreement made with XXXX was accepted for the full balance with an acceptance letter stating they would not charge off my account. They did charge off my account also they have received all of the final balance and are reporting as written off not expected to be paid they have been paid consistently all agreed payments on time for the entire time and prior to this agreement was paid consistently on time There agreement letter stated they would neither negatively or positively report on my credit with them and they have
Product: Payday loan, title loan, or personal loan

XX/XX/2019 revoked there authorizations to Ach payments on my account. There Ach agreements are deceptive. They don't want to cancel your Ach, so they make it almost impossible to cancel. Telling you there has to be an alternative payment method before they can cancel. That's not true. By law you don't have to give this to them to cancel Ach. By law An Ach agreement is invalid if there's no way to cancel it.
Product: Debt collection

They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in 2004 and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.
Product: Money transfer, virtual currency, or money service

This is not a duplicate request. My account had fraud activity that I reported and was closed with out a proper explanation or investigation. 

My Cashapp account was closed unwarrantedly. I requested the issue be investigated and rectified XX/XX/23 in which I was informed to check my email for updates and I would receive resolution within 15 business days. As of XX/XX/23, I have been unable to receive any updates on the investigation of why my account was unjustly closed. I have reached out to Cashapp over 3 occasions to check the status and they refuse to give any update. They continue to tell me that my concern has been routed to the proper department and that is the only information they have at this time and to continue to check my email for further information. I have also requested for them to escalate or have a manager contact me to assist with resolution but no one ever follows up. They are practicing deceptively and violating my consumer rights. They unfairly closed my account and will not provide a substantial reason. They simply refuse to provide any update because I know I have not violated any terms for them to close my account. There was suspicious activity on my account in which I inquired about and they informed me everything looked good on their end. Please explain to me exactly why my account was closed in detail.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I was approved for {$600.00} to pay back $ XXXXplus I know very steep for 10 weeks payback. 
I was waiting on a phon call on XX/XX/year> so they can finalize everything but I get a simple you are denied which I truly qualify for the loan with XXXX explanation. 

I emailed them and ask why I was denied and I haven't received a letter or email with Reasons for denial. 

I think because I got approved with a different company they denied me unless they are actually the same company under a different name I told them by law you have to give a reason fordenied
Product: Money transfer, virtual currency, or money service

A person I thought was my friend that I used to work with, post on her XXXX XXXX ( XXXX XXXXy ) that the first 20 people who comment CASH on her post would receive {$1500.00}. You inbox her and she has you buy a Gift Card of {$100.00} or {$200.00} dollars. Then, of course, she asked for the activation code and the barcode number from the card. She then texts you to call the account [ ( XXXX ) XXXX ]. They then tell you the transfer is on the way but you need to pay the transfer fee that is way over the amount Cash App charge ( {$200.00} ). The Cash App accounts involved are $ XXXX and $ XXXX. This happened on XX/XX/2020 at XXXX XXXX  EST. I request a refund from the person directly, then I requested a refund back through the CASH APP itself but the refund was declined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024 Complaint of Inaccurate Credit Reporting Violations Under FCRA Section 1681 ( e ) ( b ) Dear CFPB Complaint Resolution Office, I am filing a formal complaint regarding inaccurate information on my credit reports from XXXX, XXXX, and XXXX. Despite my efforts to resolve these issues directly with the credit bureaus, I am experiencing ongoing and harmful inaccuracies on my credit history due to actions taken by XXXX XXXX XXXX and San Diego Credit Union, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( e ) ( b ).

Upon reviewing my credit reports, I noticed that both XXXXXXXX XXXX XXXX and San Diego Credit Union have repeatedly reported charge-offs that are inconsistent with my actual payment history. These charge-offs appear to extend the statute of limitations by adding new derogatory entries, which misrepresent my creditworthiness and negatively impact my credit score. These actions violate the FCRAs mandate to maintain accurate and fair reporting of consumer information. 

To summarize the issues : 1. XXXXXXXX XXXX XXXX Repeated charge-offs inaccurately listed, extending beyond the allowable reporting period, affecting my credit score and financial reputation.

2. San Diego Credit Union Re-aging of the account through inconsistent reporting dates, leading to an extended statute of limitations and unfairly portraying my account as delinquent. 

These practices not only harm my credit but also create confusion by making it appear as if these accounts are continuously delinquent. This inaccurate reporting by the credit bureaus violates FCRA standards and has a detrimental impact on my financial standing. 

I am providing all supporting documentation, including copies of my identification, my credit reports from XXXX, XXXX, and XXXX, and any relevant account statements, to aid in your investigation of these unfair practices. 

I respectfully request the CFPBs assistance in ensuring that the credit bureaus and these creditors adhere to FCRA guidelines, correct these inaccuracies, and prevent similar issues in the future. I look forward to your prompt investigation and response. 

Thank you for your attention to this matter. 

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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.