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

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXXXXXX, account number XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I alerted each of the bureaus that I am a victim of identity theft and that 15 US Code 1681 c 2 says that they have to remove and block the items within 4 business days. The items remain on my report. XXXX XXXXXXXX XXXX accountsXXXX XXXX and 2 XXXX accounts are listed on my identity theft report. XXXXXXXX XXXX and XXXX have charged off both of the fraud accounts and sold them to collection companies. Despite doing this, they remain on my report. They are violating 15 USC 1681 e b by not reporting accurate information. Each of the accounts listed on my identity theft report are also violating 15 USC section 604 a section 2. Nobody can furnish an account on my credit file without my written permission : I have not given anyone written permission. XXXX XXXX and XXXX are committing tax fraud by reporting these accounts. According to the IRS, these accounts are considered income.
Product: Credit card

In XXXX of 2024, I purchased a computer from Best Buy at their XXXX XXXX, SC location. The cost was approximately {$1900.00}. When I handed the store clerk my debit card to pay for the purchase, he told me that if I opened a Best Buy credit card, I would receive a {$170.00} credit which I could use against the cost of the computer when my first billing statement arrived. I didn't really need another credit card, as my financial situation allows me to afford whatever my needs are without buying things on credit ( other than XXXX, etc. ) But against my better judgement, I said " OK '' to the clerk, thinking that I would just use the {$170.00} credit against my purchase, and probably never use the card again. At any rate, the first bill arrived and I went online to pay off the balance. I immediately noticed that there was no {$170.00} credit applied, and so I called the number for the Best Buy credit card. The representative then told me that I could not use the {$170.00} credit against the computer purchase, and that the credit could apply only against future purchases. I explained what I had been promised when I opened the account, but the representative replied that she was sorry but I would have to pay the computer price without the credit. I then paid the balance on the account, less {$170.00}. I told her and then another representative who called approximately a month later that I had been happy to pay the amount I had agreed to, but that I would pay no more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully disputed an XXXX collection on XXXX XXXX from XXXX XXXX via XXXX. This account was removed however it is still reflected on the equifax system. This information is not being reported fairly by the credit breaues and I would like to file a complaint and start an investigation to get it removed.
Product: Mortgage

I have XXXX mortgages. XXXX, XXXX XXXX and Chase. I was refinancing with XXXX and incorporating XXXX into the loan. It was approved and we were waiting for Chase to sign a subordination which they do not want to do. If they do't i will surely not be able to afford paying them. Chase was a equity line with a 10 yr draw interest only and 10 year repayment period which we just entered. If they dont approve the subordination, I will not be able to make their payment. The money I am saving from the refi with XXXX and XXXX was going to Chase. The payment with chase went from {$300.00} to over {$900.00}. I had claimed bankruptcy in 2010 but have been up to date with them. If they do n't approve subordination i will not be able to refinance and I certainly wont be able to continue making new payments to them.
Product: Checking or savings account

I got an email on XX/XX/2022 from Discover Bank saying that my account was locked ( no reason was given except " unusual activity '' ). I was asked to call a specific number so I called and I stayed on hold for 1.5 hours with one, then I tried 2 other times ( I called two other phone numbers ) and got connected with 2 account specialists ( one 's name was XXXX, the other was a man ). They said that they can't see what happened to my account and I would have to call the security specialists but the wait times for calls to those specialists are over 3 hours.

I have already spent hours on hold and do not have, and will never have, the time to stay on hold for another 3 hours.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX, OPENED XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app 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. 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I have been struggling to make loan payment to Tower Loan, due to unforeseen Bill 's. I called when I began to struggle & they suggested I come in to redo the loan. I did, but didn't have all the information they required. I explained again I was not able to repay the loan at this time. The manager of the store called today XX/XX/19 & said he needed a payment of {$100.00} which I explained I did not have. I am on special security dissability & recieve payment monthly via XXXX XXXX. He proceeded to tell me that he could go to court & have my payments garnished. When I told him I recieved dissability & legally he could not do that. He replied that he would place a lien on my XXXX XXXX card which has my XXXX payments on it. Which he can also not do. To which he replied .. he didn't know how I could even sleep at night & that I was surely raised better than that. At this point I just hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.
Product: Student loan

I requested a refund of {$4400.00} on XX/XX/XXXX. Edfinancial said they processed the request. Everytime I call in I am given a new date on when this refund will process. I believe I am getting the run around
Product: Vehicle loan or lease

On XX/XX/XXXX, I acquired a XXXX XXXX XXXX in a lease option thru XXXX XXXX of XXXX XXXX California. My lease expired on XX/XX/XXXX so before the expiration date, I applied for a new loan with XXXX XXXX XXXX XXXX XXXX, my loan was approved and they send the check in the amount of {$14000.00} to Nissan Acceptance Corporation, they financed the lease. Nissan received the check on XX/XX/XXXX but they rejected the payment because they say that the check was supposed to be issued to XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX. 
Until today Nissan Acceptance Corporation has not sent the check to me or the XXXX XXXX and that is hindering the possibility to pay my car, Nissan has retained the check for the payoff of my car for 1 months. 
XXXX XXXX XXXX XXXX is sending me texts ordering me to bring the car because my lease has expired even though I am making the monthly payments.

What I can see here is tha Nissan Acceptance Corporation is playing games so I am not able to pay my car and be obligated to buy a new car. 
Help me please.
Product: Credit reporting or other personal consumer reports

Good morning, Today I am complaining about the CRAs for improperly reporting inaccuracies on my Consumer report, not updating or removing the inaccurate items being reported and for reporting a Bankruptcy that shouldnt be reporting if the COURT never reported. I went up there to see the documents and they said they do not reprint anything to the CRAs and gave me document to upload here to have it removed. I also included the letter in the attachments but I have sent this FORMAL LETTER to them multiple times certified and nothing has happened. 
Accounts in question : Bankruptcy ( all 3 CRAS ) XXXX  ( XXXX )
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 violates the consumer financial protection act. Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving the account vulnerable and very unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I am seeking the appropriate redress for all these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I put in a disputes with Trans union about the bankruptcy reporting on My credit report. XX/XX/23 they responded that the information was verified and accurate. So I wrote the clerk from the bankruptcy court XX/XX/23 a letter addressing the issue XX/XX/23 I received a letter from the court that they do not report to credit agencies. I mailed Trans union a hand written letter attached with the a copy of the court letter XX/XX/23 I called back to tell them that the account was reported in error or they lied because the courts do not report to the credit agencies and to remove it immediately and they still did not resolve the situation I had no problem with XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one Late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment, I have attached a copy of my report to this complaint on the following dates ( XX/XX/year>, ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt accin.
Product: Mortgage

Refinancing loan signed and closed on XX/XX/XXXX with CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, NJ XXXX. On XX/XX/XXXX, I signed on online access and noticed the escrow amount paid to lender, 1st payment due date and interest amount paid to lender did not match the CD. Contacted the lender and servicing center on XX/XX/XXXX via secure messages & emails. XXXX XXXX XXXX, Branch Operations Manager, phone number : XXXX confirmed she had contacted their servicing center and ALL mistakes would be fixed. My online secure messages or email to the servicing center were never responded. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX with USPS stamped XX/XX/XXXX from Crosscountry Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ILXXXX, stating they are preparing a response to my inquiry. However, the new statement dated XX/XX/XXXX was still showing incorrect amounts. Errors in my account needed to be fixed : 1.  Interest paid to lender as of XX/XX/XXXX is XXXX USD. 2. 1st payment due is XX/XX/XXXX and should be XXXX USD ONLY. 3.  Total paid year to date amount should be XXXX USD interest + XXXX USD escrow = XXXX USD. This is a NEW refinancing loan and CrossCountry Mortgage, LLC servicing center should not have problem entering the CORRECT data into their system. I am very disappointed with the service. Poor communication and inadequate to enter, correct data for their mortgage clients. I'm requesting to have all information corrected in their system and provide me with an update statement.
Product: Credit card

On XXXX XXXX, XXXX, I received an email stating that my account was closed by Care credit/Synchrony Bank account . I spoke to a bank representative, who stated that my account was closed due to a student loan The representative also stated that XXXX sent them my consumer report just because. The student loan is in deferment until XX/XX/XXXX. On XX/XX/XXXX, I received a letter by mail that stated XXXX reasons as to why the credit card was closed it says delinquent or derogatory status on the account is too recent, not enough balance paid down over time on student loans, lack of first mortgage account information, and not enough paid down over time on installment accounts. I have never given Care Credit /Synchrony Bank permission to run my consumer report besides the first time I was approved for the credit card which was in the year XXXX. I have had this credit card for four years and have paid always on time before the balance statement date Leaving no outstanding balances. As of right now, this is discrimination Under the Equal Opportunity Act under Federal law, closing my account and running my consumer report without my permission is illegal. I should not have an adverse action because I have built and sustained creditworthiness with a stable credit increase with care credit since XXXX under my open-end consumer credit plan. I also had the same student loan when I initially applied for the card in XXXX, because of the Covid Act which was mandated under federal law, the student loan is in deferment which is federally protected. This is discrimination and I know this is a violation of Federal law. I am now aware that XXXX is receiving payments from Care Credit to hack into my consumer file for any given reason. Now my consumer report has dropped down on all three consumer reporting agencies due to Care Credit closing my credit profile which made my credit history not the way I built it to be. I have worked hard for my consumer report to be excellent and I plan on keeping it that way. XXXX should not be just selling my consumer profile to any company it is prohibited and against federal law.
Product: Money transfer, virtual currency, or money service

This is what happened to my husband. He met someone on XXXX who claimed herself to be a single mom doing investment in XXXX for XXXX and XXXX. And the return was 2 times. My husband went to cash advance from new opening credit cards as many as he can. And also asked his friends and family for money promising the return. The accumulated principle was {$400000.00} in total. The money was gone once one day when " she '' told him that the XXXX  crashed and " she '' even asked for more. My husband wasn't interested in anymore. He finally came to the conclusion that it was a scam. Before that, the rest of us already knew except him. But the scam was a bit tricky as " she '' returned a small amount of money when he first invested. He wired money using Wells Fargo. The bank had no way to trace the money back according to my listening and observation from him. He went to Well Fargo to claim and seek solutions. I wonder if it is true and if they are still able to refund the wire using Bank Secrecy Act or contact the other bank. Later, police in New York called him saying that they arrested someone in XXXX or XXXX that had his wire transfer information at home. There is no further news since then. I wonder if Wells Fargo can do anything about it at this point. The incident happened in 2022. And it brings a traumatic experience to me. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX, I entered a contract with restaurant XXXX XXXX XXXX and paid a {$150.00} fee to reserve a private dining room for an event on XX/XX/XXXX. The contract stated that I would charge {$250.00} if I cancelled the event. One half of the restaurant was closed for reservations, but I was told that there would be options between a private room at in the wine bar ( which was open ) or in the new private room ( in the part that was being renovated ). 

A few days before the event, the event planner mentioned by email that the private room would not be available, but that a private area would be created for us on the back patio. On the day of the event, we were not provided with any private dining area- we were seated in a general dining area next to two other tables. The restaurant refused to refund the private dining room reservation fee even though a private dining room was not provided. 

I opened a dispute with Chase on XX/XX/XXXX. I spoke to Chase over the phone on XX/XX/XXXX, and uploaded documents as requested on XX/XX/XXXX. On XX/XX/XXXX, Chase denied my dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stay away from this dealership they discriminate against XXXX military veterans. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a manager or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another XXXX dealership in the XXXX XXXX especially when they discriminate on XXXX military combat veterans. I served XXXX XXXX XXXX in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.
Product: Debt collection

am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I not received a collection notice from your organization this is posted on my credit and need to be removed also I wont them two 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5.Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA.!!!!!! They are violating these laws. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) so please removed from my credit profile of all 3 bureau thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$6700.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it
Product: Credit card or prepaid card

Someone opened an account with XXXX XXXX  for XXXX. Spoke with the bank who provides credit and they have closed the account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00}