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

I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to  file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on  that money. I am still waiting on VA to pay my claim fromXX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I am starting my credit history, but when trying to apply for a loan, they tell me that I have a debt, when reviewing my report, only the Experian company is reporting a collection that was opened in XXXX, which is impossible for it to be mine since I was not here on that date, about a year and a half ago I arrived and I just got my social security ; Understanding that it is an error, I called the company on XX/XX/XXXX and now I have received a letter where the debt that does not belong to me still appears, I asked and informed them that it was an error, perhaps they are confusing the person but they have ignored me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuits highlighting significant issues with the platform.
Product: Credit reporting or other personal consumer reports

Experian is reporting a debt collection that I do not owe. This debt has not been validated or verified as belonging to me. Experian has sent no documentation or contact information on who they spoke with to validate this information before they added it to my consumer report. Furthermore the alleged debt has been canceled and reported as income to the IRS which income can not be reported.
Product: Credit card

Discover credit card company made several mistakes with my auto pay bank account number changing. After this issue settled down I disputed an auto withdrawl XX/XX/XXXX. I was staying in the mountains in XXXX, CA and I had no internet access. A payment came out and I called a few days after I had internet access and could see. They insisted I had made it, I insisted otherwise. After this they escalated it to the fraudulent department and issued a new card, sign on ID and password. I was so angry I stopped using the card, and had n't signed onto the account for a couple months. Suddenly I got a notice from a bill payment service that said I had a late fee from Discover. I had n't got a bill in the mail, or in the email but there was {$64.00} due. With the jssuing of a new card, and sign on ID it had stopped my US mail bills and access to email account information. By that time it was too late and a few days past due. Discover happily removed the late fee and said it should be a problem. Later that year I was locked out again and had to be re issued another account sign on ID. In XX/XX/XXXX I noticed my credit score drop XXXX points. After receiving my free credit report I now know it is from Discover. 
I believe in large part my late payment was due to the multiple changes to my account all of which was out of my control. I have lost a lot of faith in Discover, but I 've been an account holder sense XX/XX/XXXX. If I close my credit card it will hurt my credit much more. I am asking again that Discover remove the late payment from my credit as they had made so many errors on my account from XX/XX/XXXX/XX/XX/XXXX.
Product: Vehicle loan or lease

My car loan was with usauto. They went out of business.. Westlake is the New debt collector. But my payoff balance is higher than it supposed to be.. I had my car a XXXX.. I'm trying to just make sense of all this.. don't want to pay Westlake because it would mean I'm admitting to a loan I never paid on.
Product: Mortgage

I AM HAVING TRANSPARENCY ISSUES WITH THIS SERVICER I HAVE BEEN CHARGED LATE FEES AND MORTGAGE LATES REPORTED ON MY CREDIT REPORT WHEN IN FACT I HAVE NEVER BEEN LATE ON THIS LOAN EVEN BEFORE THIS SERVICER TOOK OVER HAD I NOT REQUESTED FOR THEM TO START REPORTED MY LOAD TO THE CREDIT BUREA I WOULD NEVER KNOWN OF THIS ISSUE, AND MY FICO SCORE WOULD HIGHER, THE REAFFIRMATION TOOK PLACE EVEN BEFORE THIS LENDER TOOK OVER AND I HAD REQUESTED IN THE PAST TO HAVE MY LOAN TO BE REPORTED TO NO AVAIL ONLY WHEN I CONTACTED CFPB THINGS STARTED TO COME TO LIGHT I PROBBALLY NOT THE ONLY ONE THIS SERVICER NEEDS AN AUDIT OR SOME FINE THE DETER UNETHICAL BEHAVIOR
Product: Student loan

I am writing about Navient Corporation. I applied for discharge due to XXXX in 2012. I was approved and my loans were discharged. I have also now completed the 3 year monitoring period successfully. The people at the Department of Education as well as XXXX have been fantastic. The communication was great. So now I see on my credit reports that these loans who were serviced by XXXX and Navient originally are showing late and have ruined my credit score. I have contacted Navient and have also disputed the details with the credit bureaus. Nothing has changed. Navient refuses to make any changes to my bureau. So basically I can not buy a home, car, or anything else. I would like to own my own home in the last years of my life. XXXX. Navient refuses to help me. I have never dealt with such a terrible company.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 or other personal consumer reports

DEBT : XXXX XXXX XXXX, Reported : XX/XX/2023 Original Creditor Name XXXX XXXX XXXX  Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information. 2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred. 3. Documentation providing evidence of your agency 's authorization to collect this debt. 4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws. 5. Copies of any agreements or contracts related to the alleged debt. 6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. Please note that all communications regarding this matter should be in writing and sent to the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I received a call from the Tax Collectors office regarding the past due property taxes for tax year XXXX, after visiting the local clerks office trying to schedule a property inspection for XX/XX/XXXX in order to obtain a rental permit. 

The countXXXX TAX office advised that they could not move forward with scheduling my inspection, until property taxes were paid. 

Called the Mortgage Company ( Homepoint ) same day XX/XX/XXXX, inquiring why the taxes had not been paid since they were included in my escrow. 

The agent whom I spoke with proceeded to tell my taxes had been paid to XXXX XXXX, in the meantime my property is in NJ XXXX XXXX. 

As if this alone was not a problem the issue was further compounded by the fact that the mortgage company raised my original monthly payment from {$2100.00} to {$4800.00}, based on the fact that the taxes on the property were wroughtly XXXX per year. 

In the meantime not only did they pay the wrong town they also have wrong information about the yearly tax, the property in question based on the Tax office and the most recent Tax bill pays {$5700.00} in yearly taxes. 

Homepoint has been contacted on several occasions, I have spoken to several agents, gotten bits and pieces, been promissed of a call back with a resolution yet here we are almost 2 weeks to the day and there is no solution. 

Agents codes whom I spoken with are : XXXX, XXXX, XXXX XXXX  and XXXX. 

There is also a person by the name of XXXX who I have yet to speak with that was to call me back with a resolution. 

If you would like to discuss this complaint further please call me at XXXX, I need help!
Product: Credit card

XXXX XXXX with XXXX called my husband from # XXXX and I received a voicemail from a female from same company XXXX today XX/XX/XXXX. They stated my full name and date of birth along with last XXXX of my social and asked me to verify. I did. They then proceeded to tell me that I had an account opened with XXXX on XX/XX/XXXX and that it was in good standing for 7 years. Then the account was resolved and closed on XX/XX/XXXX. with an outstanding balance of {$2400.00}. They stated they would take partial payment of {$1400.00}. I informed them that I did not have any accounts with XXXX, nor do I owe any money. They stated that they would file a civil suit against me for outstanding charges.
Product: Credit card

I was issued an American Express Gold XXXX Card back in XXXX 2016. I have never been late, I have always paid on time and I have never had an issue. My daughter is an authorize user and went out of the country to XXXX in XXXX 2016. American Express declined her charges and I was contacted immediately. An AMEX representative told me that I needed to provide a XXXX and that they would walk me through the process. I completed based on the instructions, I was also asked to provide my XXXX and Pension information as well. All of this information was provided and I have the income so I was not worried. then 2 weeks later they cancelled my card. I contacted them to figure out they said a box was not checked on the paperwork they ask me to complete. They then told me to pay my balances early and then reapply for the same card it should be no issue. Well it has been decline 3 times stating AMEX cancelled my card. I have called 10 times plus and they are now saying my credit is the issue. There has been no change in my credit from issue of my card to now with the exception that AMEX has had me apply for several cards just to have mine sent back to me. They are very discriminatory and no explanation they have provided has made sense. I have every letter and they also say because American Express cancelled my card. I am a Federal employee and I know the law and will fight this to the end because I know how these companies try to get over on consumers. I have never been late, nor a slow or no pay with my American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went to Advance America to inquire about a loan ' I have never been inside of this business, I called first to ask what I had to have to receive a loan with them so I got the information they ask for and the XXXX that was there did my application this was on my birthday in XXXX and she never could look me in my eyes and never said any thing straight to me ; she told me that if I got the loan i could pay it off when ever I wanted to ; she did not tell me that I would have to pay back the same amount I borrowed ; that the I would only be paying XXXX or XXXX dollars on the actually account ; my bill was never going down I made XXXX payments and I stopped the XXXX one because I was not paying on the actually bill my payments was XXXX ; I ever received a receipt in the mail, I went up there and talked to XXXX of the workers and she gave me all of my paperwork ; I looked and seen I was not paying off this loan at all, these people at Advance America is targeting people that is on a fixed income no one that was young. I got a call on the today which is XX/XX/XXXX I told the young lady that it should be against the law to charge elderly or any person that much interest 248 % I had XXXX payment and they had me paying back XXXX XXXX dollars 3 times what I borrowed the account would never go down to pay it off.
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. XXXX  Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 1,268 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violation.
Product: Student loan

We tried for years to get repayment plans that would be based on income. The only options we were given were forbearance we owe a huge amount of money that even after payments continues to increase.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account comefrom but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Vehicle loan or lease

Wells Fargo wrongfully charged my loan with late fees that I did not owe after paying to get my vehicle back from repocession. The recovery information clearly states that late fees are included in order to recover the vehicle. I paid the car off in XXXX but noticed there were still late charges on the account that I disputed for months with their escalations team. The statement made to me was that It was applied incorrectly. I stated that it is not my fault and I did not have a choice to negotiate as I needed to recover my vehicle, therefore ; when I didnt pay for the late fees my credit score dropped over XXXX points for this alone causing me to be pushed back to getting a new home as my credit was affected tremendously.
Product: Checking or savings account

Recieved a phising text message about my Chase account having been locked with an URL attached, that was suspicious.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!