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

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me. I verify they received by certified mail my request on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted XXXX XXXX to make some arrangements on my account i ask the representative was the account closed she stated no and proceeded to tell me that if i made a payment of {$230.00} in XXXX I would be placed in there hardship program so i continued to make payments with the understanding that i was in this program. I was then assured that the account would be updated that i was making payments as agreed and as long as i was in the hardship program i gain any interest on the account as long as i was in the program. then a payment of {$86.00} XXXX and then a payment of {$96.00} in XX/XX/XXXX and the XX/XX/XXXX a payment of XXXX so then i get a copy of my credit report to only find out that they are reporting the account as closed and also They were reporting it as past due. Payments they have gotten since XX/XX/XXXX XXXX, XX/XX/XXXX {$48.00}, XXXX XXXX, XXXX $ XXXX, XXXX XXXX Then i get a letter from XXXX XXXX saying that they were merging with XXXX XXXX XXXX and i should keep making payments as agreed on this account and i would get a new account number. So i contacted XXXXXXXX XXXX  to try and find out what was going on and if the account was still open they said yes it is still openand i let them know that for some reason or another XXXX and them are still reporting this as a closed account and with a past due balance i was told disputing it would be the only way to correct the error with all three credit reporting agencies and once they recieve the dispute they would make the corrections and update the account with the bureaus.
Product: Student loan

I called the Navient Private Loan line on XXXX XXXX, XXXX at XXXX in regards to my repayment options. I graduated from XXXX school in XXXX and my Navient payments began in XXXX. The Navient loans that I had taken out for my XXXX institution back in XXXX and XXXX. Upon my calling, I had requested to know what my repayment options were since I would soon be starting a job, just not in time to make the first loan payment in XXXX. The woman stated that my only option would be to put them in forebearance which would cost {$100.00}. I tried to explain that I could n't afford to do that this month since I had not began work, hence why I had called. I asked if there were any other options. She stated there were none. I had hoped to establish a income based option just for the month of XXXX but was not granted that option or any others. The woman also expressed that I should just call back to post date the forbearance repayment if I could not make it at that time. I explained that I would be starting a new job and depending on the date of my first paycheck I could potentially make the first payment. She again stated I had no other options except the forbearance. Should I have elected to pay for the forebearance and end up being paid my first paycheck in time, it would have been a waste of {$100.00}. I tried to explain this to the woman, but she again said my only option was the forbearance and if I did n't pay my payment within the 15 day window it would immediately be sent to collections to ruin my credit. I had also tried to understand the forbearance payment and whether or not it would include the interest payment that I had been paying monthly since I took out the loan. At first she stated I would have to pay it in addition to the forbearance charge. Later when I asked again she denied saying that, which led to even more confusion. I ended up having to end the call because she was being rude and unhelpful. So now I am stuck hoping I can make this payment in time with no other options.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be corrected in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX  XXXX XXXX Balance : Owed : {$57000.00} XXXX  XXXX XXXX Balance : Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX  XXXX XXXX Balance Owed : {$970.00} XXXX  XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX  XXXX XXXX Balance Owed : {$970.00} LA XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 these violations.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Transunion credit bureau decreased XXXX  points on my credit score although I notified them of incorrect errors on my credit report and my current debt decreased.
Product: Student loan

I emailed them on XX/XX/XXXX and again today on XX/XX/XXXX requesting my full repayment history with no reply. 
I called them on XX/XX/XXXX requesting my full repayment history and was told they would send it within XXXX business days. 

They have lost all payment information since their transition to their new online platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Advise That You Are Reporting The Wrong Address Information Listed In My Report. The Report Number is [ XXXX ] I am in the process of a new transaction and the error is causing a major problem with reporting properly " XXXX XXXX XXXX XXXX XXXX Az XXXX '' and " XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX Are Both " Non Mailable Address '' ... Can you please explain where you obtain this information? 

My current and only address and mailing location is XXXX XXXX XXXX XXXX XXXX Az XXXX. 

Please Remove the following addresses from my consumer report " XXXX XXXX XXXX XXXX XXXX Az XXXX '' and " XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX they do not belong to me and are being reported in error.
Product: Credit reporting or other personal consumer reports

I filed report with XXXX XXXX in XX/XX/year> about fraudulent credit card in my name, it was confirmed as fraudulent and stated they would remove it from my credit history. I received the letter stating it is fraudulent and previously filed a complaint with cfpb and they also confirmed fraudulent. I have filed disputes with all three credit bureaus multiple times and they keep reporting it as accurate and not fraud, therefore my credit score is still extremely inaccurate. I then contacted XXXX again in XX/XX/year> and was informed that there was two letters on the account sent out with opposing information - one letter stated fraud and one letter stated as accurate. Therefore the credit bureaus are stating it as accurate as well. I contacted XXXX again and XXXX stated they fixed it, again, however the disputes are still coming back as accurate and not fraudulent and my credit is still suffering from it. Can the accurate and correct confirmation of fraudulent activity and report be sent to the credit bureaus to clear my credit history?
Product: Checking or savings account

On XX/XX/2020 Wells Fargo Bank closed my account without properly notifying me. I have been hospitalized since XX/XX/2020 and am currently still in the hospital battling for my life. I never overdrawn my account. I was laid off due to a 14 day self quarantine and had to pull money from my savings to my checking to feed my kids and accessed fees. I really need my account and have a wells fargo paycheck to deposit since I am a XXXX. My job was supposed to direct deposit my check but that never happened. I just need my account back opened and fixed. Right now I am in the hospital and can not physically walk my check in. Which would have been deposited on the XXXX of XXXX if I was not in the hospital at this time. I have been in the hospital the last 23 days. I am at XXXX hospital in XXXX XXXX and my room number is XXXX. Phone number XXXX please feel free to verify if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking at my credit scores because Im trying to get a car for my family since Im waiting for a kid and I just noticed that the account : XXXX # XXXX on my credit report did report me as late payments during a hardship I had when I went homeless during XXXX. I talked to them and came to an agreement and they said they would not report my payments as late if I paid the account which I did pay it in full and they just lied to me and violated my rights and I know I have the right to dispute any account that is not accurate and affects me in my personal life according to the law. Besides, it has errors in the reporting of those late payments since theyre not consistent they say XXXX twice and on XXXX months has no reporting. So it is inaccurate.
Product: Debt collection

ARSI continues to try to collect a debt that is over 7 years old and can't report to the credit and 4 years out of statute of limitations for them to sue me. 

But they continue to send me letters stating that if I don't respond to pay the bill, the attorney may file a sue against me. I have sent ARSI several times my FTC paperwork because the debt they are trying to collect is fraudulent, they continue to disregard the paperwork and keep sending me threatening letters. 

I contact ARSI at the beginning of XXXX when I received their last letter. I wanted to know when this debt occurred because the letter that was sent to me doesn't have the notice that this debt is out of the statute of limitations to collect or to report. On the first call, I was disconnected after I stated who I was. On the second call, after I verified myself, XXXX tells me that I have to speak with legal counsel XXXX XXXX. Then they inform me that he was on the phone and will have to call me back. Well, that is impossible because I have a cease and desist on file with them. If I accepted a call back from their legal counsel that would negate the Cease and Desist. 

I don't understand why ARSI keeps violating the Fair Credit Reporting Act in attempts to collect a debt. And why do they keep harrasing me by sending me threatening letters? But at this point, I'm done.
Product: Credit reporting or other personal consumer reports

Experian no longer honors my login to their website. I have the pin number they issued years ago, but that is only for phone access ( Their phone interface is automated and is useless for most purposes ). On their website, Experian instructs that they will reset the login, but one must mail the request and include a copy of driver 's license, and copies of the past 3 months of a utility bill. I have made two such requests. 
XX/XX/XXXX is the time they would have received my first request by US postal mail. 
XX/XX/XXXX is the time they would have received my second request by US postal mail. 
Ive lived at this same address for a very, very long time, as their records should indicate, so there should be no issue with getting this authentication reset. Im happy to pay for a receipt requested mailing, but they do not instruct to do so. 
This is interfering with my ability to take out a mortgage. 
Experian has the very worst consumer interface compared to the other major credit bureaus. I have no issues with their competitors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased 2 sofas & 2 chairs from XXXXXXXX XXXX. The furniture totaled {$2300.00} no where near the {$8200.00} amount being reported on my credit report by XXXXXXXX XXXX. I have no idea where this amount came from. I agreed to do a 12 months same as cash deal with the sales person at XXXX. It was right before they closed for the day & their printer ran out of ink & they could not provide me with copies of any of my agreement and agreed to email me copies, but then they did not. 

I had made payments totaling {$2100.00} then contacted XXXXXXXX XXXX in XX/XX/XXXX to pay my remaining balance so that I could pay the account off prior to the 12 months at the cash purchase amount, but the remaining balance I was given was not at all correct. They quoted me an outrageous amount over {$6000.00}, no where close to what should have been owed. I could not ever get XXXXXXXX XXXX to send me copies of my paperwork that I didnt received upon purchase or afterwards by email as promised.. I never got an explanation to what was going on, so in early XXXX, I contacted the District Manager XXXX XXXX ( XXXX ) through an email I found on a letter & he told me a balance of {$940.00} which was much closer to the amount that should have been owed.. I asked him how I could go about paying this amount & he never responded.. so I tried again to call the # I had to pay the account off but was still being told the much higher balance.. Im not trying to make excuses but around that same time my mother was diagnosed with XXXX XXXX XXXX & my time & energy went into caring for her, not arguing with them & the debt took a backseat in my life.. After my mom passed away, I tried once again to resolve the situation.. without any luck & upon finding multiple lawsuits & countless records of this company doing the same thing to other consumers I filed a dispute with the credit bureaus without any luck. It says they verified the account but I wasnt provided any documentation of this & I dont understand how they verified information that is so incorrect.. I have no problem paying the {$940.00} that I owed on the account, but I will not pay thousands of dollars that I do not owethe incorrect information is effecting my life in a very negative way.. employers in the field of my finance background wont hire me based on a collection on my credit report & Ive also been denied credit.. any help in resolving this matter would be much appreciated..
Product: Prepaid card

I being Charge huge amount of tax and fees each time i receive or transfer money
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, XXXX, and Equifax ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that XXXX  is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX  is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : 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

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

A few months ago I received notice that my carecredit card would be discontinued if I did not use if by XX/XX/XXXX. I attempted to use the card to purchase items priced about {$450.00} total or more at Walmart in XX/XX/XXXX and immediately the card was declined by card issuer. I was shocked because the card has a {$1000.00} limit. I telephoned customer service and verified my credentials and updated my new mailing address and was told I could proceed with the purchase at Walmart again the card was declined. This was a major embarrassment in front of the other customers. I called the merchant back spoke with a manager who promised me the card was good to use. I then retried to purchase the items and was again declined which made this 3 or 4 attempts the same day at Walmart. I left the store embarrassed and without the items of need. I then reached back out to carecredit and the representative assured me I could use the card to purchase. I went to Walgreens this time and tried to buy wellness items and was again denied and declined. I called back and spoke with a carecredit rep who this time suggested I completed a fraud verification sent to my email. Once I got home I tried to complete the verification with video and copy of my government drivers license but the info failed several times. I was then sent an email by carecredit to complete the verification via mail. I was instructed to send proof of my address such as a lease and other items like mail with my current address, ssn card and government ID. I mailed these items to the address provided in Florida. This was done two weeks ago. I called carecredit yesterday to get a status update. I called around noon my time. Spoke with the rep who verified that the verification info I mailed had been received and the flag for fraud alert was being lifted and removed from my account. He asked me to hold briefly while this was being initiated. He returned to the call to advise there were no restrictions on the card and it was good to use immediately. I asked him again to reassure me and he Reiterated that I could use the card immediately. The evening I returned to Walmart to purchase glasses and the card was again declined. I called and spoke with a carecredit rep who was rude and obnoxious in her response and said my verification was not received and that they had no record of anything and even if they did they would still have me wait 14 days after?! To which I asked why would your reps tell me differently? This is the most inept experience I have ever faced. I do not want my card to be revoked due to not using it but they are not allowing me to use the card and I have a balance and valid uses for purchases. The rep then responded matter if factory that they did not have my information without apologies or any attempt to reassure me there would be any resolve.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint to TRANSUNION regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that these fraudulent accounts persist on my credit report. I had hoped to rely on TRANSUNION to safeguard my information and furnish accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning XXXX XXXX. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons these accounts should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that TRANSUNION will take the necessary steps to address and rectify these inaccuracies promptly.
Product: Credit reporting

Experian credit report kept saying " loading '' in the XXXX website I was able to download XXXX & XXXX fine
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to dispute the reporting of a late payment by XXXX XXXX XXXX, Account Number : XXXX, on my credit report for XX/XX/year>. I believe this reporting violates my privacy and federal laws, and I am requesting the immediate removal of this late payment from my credit file for the following reasons : 1. Violation of 15 U.S.C. 1666b Under the Fair Credit Billing Act, 15 U.S.C. 1666b, late payment reporting must align with specific provisions and timelines to ensure accuracy and compliance. This provision ensures that no erroneous or unfair reporting takes place, particularly when it involves timing disputes or miscommunication. In this case, XXXX XXXX XXXX has reported a late payment without properly substantiating the legitimacy or circumstances of the report.

2. No Legal Obligation to Report Transactions There is no law requiring creditors to report any transaction or account activity to credit bureaus. Reporting such transactions, including alleged late payments, is a voluntary action by creditors. As such, I did not provide explicit consent to XXXX XXXX XXXX to report this information, and this action constitutes an invasion of my privacy. The reporting of this late payment, especially without my consent, is misleading and harmful to my creditworthiness. 

3. Violation of Privacy and Lack of Consent The reporting of my personal financial information, including late payments, without my explicit consent infringes upon my right to privacy. I did not authorize XXXX XXXX XXXX to share or report this information to credit bureaus, and such unauthorized reporting constitutes a breach of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have a Current dispute File Number : XXXX Estimated completion date : XX/XX/year> Sent to XXXX on XXXX XXXX, XXXX In Review on XXXX XXXX Company : XXXX XXXX