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

My account with XXXX XXXX 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.

T

his 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. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian states I owe {$1.00} on an account starting with XXXX with XXXX XXXX XXXX. I paid that account off and they still show me owing {$1.00}. It is paid in full and therefore should be removed and status should show paid.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block, inc. ) do to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violations.
Product: Mortgage

In XXXX I assume US Bank was doing an audit of their records and did not show flood insurance on my home equity line of credit. They proceeded to force place flood insurance on my HELOC. I had to hire a surveyor during XXXX which was impossible to find, they did a flood elevation report on my home. The surveyors dad passed away during this time also which was even more delays with his business. Regardless I applied for a XXXX and received it from XXXX and presented it to the Bank and their insurance company. US Bank had me in a AB flood zone and I was actually in a X flood zone, which means I was not required to even have flood insurance. Meanwhile I call every couple of weeks and speak to their insurance department at XXXX. My loan number is XXXX. I also had been paying inflated amounts of interest on this too. They have waived a couple of the charges I was to get refunded for but from my calculations we still have XXXX that is still owed to me. Not including the interest I have paid. The dates I am showing they still owe me for are XX/XX/XXXX in the amount of XXXX and the most recent was on XX/XX/XXXX which is XXXX. I do desperately need to get this resolved business is not good and I need to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership company in XXXX XXXX  XXXX looking for an XXXX XXXX XXXX specifically I was introduce to four different salesman as soon as the sale occurred from the beginning it was an unorganized and very inconsistent atmosphere, while Im sitting down in an office another agent comes in and tells me what I am qualified for I never put down any consent for anything but at the time I did not put two and two together as to how he knew what I was eligible for-for the down payment. I then later got a notification from my XXXX XXXX and XXXX  account saying that my credit score has changed from a hard inquiry and I have called the company back and they did not reach back to me
Product: Debt collection

On XX/XX/2020, I made a credit card settlement agreement with Wells Fargo to make XXXX payments of {$1100.00} on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( this settlement was based on 30 % of my outstanding debt ). Those XXXX payments would have completed my debt settlement agreement. 

On XX/XX/2020, I checked my credit report and noticed the Wells Fargo debt was still on the report. I called Wells Fargo on that day to find out why. Wells Fargo claimed I provided an incorrect checking account number when I updated my payment method on XX/XX/2020. 

The Wells Fargo agent said Wells Fargo received an account does not exist error message from my bank ( XXXX XXXX ) and that my third and final debt settlement payment was never processed. 

Wells Fargo claims I provided an incorrect checking account number. Ive repeatedly asked for a transcript or to listen to the recording but they refuse to do this. 

I was never notified by Wells Fargo that my final payment did not go through not by phone, text, no voice mail, or USPS mail. I can prove with my XXXX XXXX  statement that I had sufficient funds to make the payment. I can get it notarized if necessary. 

By the time I contacted Wells Fargo, on XX/XX/XXXX, I was told by a Wells Fargo agent that I had just missed the 30 day window to correct my payment method. I was never given the opportunity by Wells Fargo to make the correction. The agent told me I should have been monitoring my checking account to make sure the final payment went through. 

I also never received a letter by USPS mail or by email confirming the terms of the settlement agreement. 

| Various Issues | After filing a complaint on XX/XX/XXXX, I discovered Wells Fargo had my mailing address as XXXX XXXX XXXX, XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX. After XX/XX/XXXX, It took over XXXX months to get Wells Fargo to correct my mailing address and Ive documented the various times I asked them to correct the address. 
-- -- -- -- -- I've spent hours on the phone with Wells Fargo over the year and I created a timeline of my conversations which I presented to a bank manager at a Wells Fargo branch. She used the timeline to file a complaint on my behalf.
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  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 ) states that a consumer reporting agency can not include in a consumer report : 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 ) is a key provision of the Fair Credit Reporting Act ( FCRA ) that addresses the responsibilities of entities that furnish information to consumer reporting agencies ( like credit bureaus ). 

In essence, it prohibits furnishers from providing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

Before I opened the account I walked into a branch sat down with a customer service rep explained that I am high money profile in trillions and my account at other banks had been robbed more than 200 times and I gave the customer service documents from other bank stating that I had a severe identity theft she went and got her manager he set up a time for me to talk with the person that works with millionaires he guaranteed me if I were to open a account they would protect me from bank robbers, spoofs, fraud garnishments so I believed and months later they gave away less than {$80000.00} from my account. Someone sent over a fraud child support document that had been removed expunged from the system over 10 years.
Product: Debt collection

Comenity Bank calls multiple times a day. They have all the correct contact information and have inserted past acquaintances phone number into my account information online. I have removed it from the account profile. They have also been contacting family members multiple times to obtain information they already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to personally remove inaccurate information from my consumer report that does not correctly represent myself. I have contacted each credit bureau by mail stating that i would like to dispute incorrect information from my consumer report. I have had challenges with being approved with financial benefits, auto loans and other products falsely reporting my credit worthiness. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 USC 1682a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from consumer report. The definition of a credit card under 15 USC 1682 is the same as it is under 15 USC 1602 ( L ) which is the therm credit card means any card, plate, coupon bork or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card i used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as are a violation of my rights as a Federally Protected consumer under title 15 chapter 41. I have attached the letter that Ive sent to each credit bureau by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first payment on a {$22000.00} used XXXX XXXX XXXX to XXXX XXXX XXXX was on XXXX XXXX. 
The Vehicle was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments ) through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are reporting that a mortgage I had was included in a Bankruptcy Case when I paid off the balance and satisfied all my mortgage obligations. I have provided proof that this was not the case and they still continue to report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i sent letters to transunion in regards to inquiry removals.They fixed no problems on my credit report disregarding the demands i required for my personal credit report. I asked the specialist when i called in do they follow the UCC codes, consumer law etc. The agent responded yes but they ( transunion ) have a different policy and my response was, are you saying that you ( Transunion ) polices are higher than government law she didn't respond.

In regards to my inquiry removals I asked transunion via letter by mail " Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX I also demand you. ( TRANSUNION ) to produce a contract between you and I, consumer bearing my signature showing that I gave you permission to furnish any information to my credit on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.I received no information on any of the above everything just came back as updated and verified. 15 U.S.CODE subsection 1681A speaks on my right to privacy which my privacy was blantly disregarded by these companies above and must be deleted immediately
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. 

Accounts 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 

I looked at my TransUnion credit on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i ( 5 ) they're suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they're suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX  Amounts. {$6400.00}, {$340.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my information was part of the 2017 Equifax data breach. On XX/XX/19 I applied for a auto loan however, they were unable to pull my credit from equifax as my account was frozen. This was the first time finding out that my credit file was frozen. 

When I called equifax to remove the freeze they were unable to verify my identify over the phone and advised me to fax my social security card and drivers licence for verification. 

On XX/XX/19 I faxed my two forms of identification. On XX/XX/19 I called to complete the process after waiting 7 business days. The agent said my documentation was verified and assisted me in making an online account. I was able to make an online account but I could not access my credit score or report. 

On XX/XX/19 I called regarding the ongoing issues. The agent tried to investigate my file but was unable to verify my identity as there were no documents loaded to my file. The agent advised me to resend my identification for further verification. 

Having said that, my wife received a letter in the mail from equifax requesting additional documentation to verify her identity. We immediately noticed this was sent in error as my wife has not disputed anything on her credit file. We addressed this with the agent who looked into my wife 's file and in fact found MY drivers licence and social security details loaded to her file.The agent told me that the information sent on XX/XX/19 was in fact received. 

I have found this extremely incompetent and very alarming. How can you upload my information to someone else 's credit file? The only consolation was that the information was uploaded to my wife 's file and not a stranger. However, how could they have got this so wrong? 

I called back XX/XX/19 and an agent located in the USA advised me that my file was no longer frozen and my credit score was active. He could not disclose the score over the phone but told me that the freeze was permanently removed and I'll no longer experience issues trying to obtain credit. 

I told him i was still unable to access my credit score or file online. He submitted a claim to have the myequifax online account corrected. I received an email on XX/XX/19 that the issue was resolved. 

On XX/XX/19 I attempted to apply for a auto loan and my application was denied to due to problems with my equifax file. I could not believe this was happening again and was extremely embarrassed and frustrated with this whole ordeal. I know there is nothing wrong with my credit because I was able to obtain credit with another bank who use XXXX. 

I can not stress how important this is to me and how painful the service I have received has been. I am unable to obtain credit from most established banks as most people use Equifax. I am at boiling point because no one in equifax can solve the problem. The agents are extremely arrogant and rush you off the phone without resolving the real problem. I have missed out on great promotional interest rates due to equifax not being to fix the problem and still unable to access my credit file or score.
Product: Debt collection

Hi, This complaint is a continuation of case XXXX. 

My information has been forwarded to Atlas Financial Services by XXXX XXXX  ( XXXX ), XXXX to persist with the debt collection even though XXXX XXXX XXXX XXXXXXXX ), XXXX failed to respond to the debt validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/2023 and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX/XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX/XXXX  XXXX ( Reinserted into EQUIFAX )
Product: Checking or savings account

Opened up a virtual wallet account through PNC XX/XX/XXXX. I was told that there would be a service fee of XXXX dollars, which can be waived at least one of the following was met : XXXX average monthly balance in your account OR XXXX combined average monthly balance in other accounts at PNC to include checking, savings CD, loans, mortgage, or other investments. My lowest monthly balance on my checking account for this period of time was XXXX and XXXX for my savings. 

I was not charged a XXXX service fee in XXXX, XX/XX/XXXX and XXXX. Starting in XX/XX/XXXX I was charged {$15.00} per month. I did not realize these charges were occurring until today, XX/XX/XXXX. I was doing my taxes and checked interest earned and saw the fees. So my {$300.00} initial account balance is now {$130.00}. To add insult to injury they inactivated my account ( because of lack of fund balances ) but continued to charge me. 

I contacted the bank regarding this and asked why given my balances was I charged a fee? They said my virtual wallet account was never linked to my other PNC accounts. I explained that this issue was addressed when I opened the account and was specifically told I would not be charged the service fee. 

I requested a refund of these fees because of their failure to actually link the accounts and to close my account. The account was closed and they said they would give me a credit of {$30.00}, toward the fees.