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

I contacted Experian about an inaccuracy on my credit report. The item XXXX acct # XXXX shows a payment history of 3 years and shows an updated negative mark XX/XX/XXXX almost three years after the account was settled! XXXX sent me a letter indicating after sending the proof requested that they would not pursue this debt any longer after XX/XX/XXXX. 
The debt is showing on my credit file as a negative mark as recent as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. 

Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that there were multiple inaccurate information listed on accounts. I have reached out to the credit bureaus for help and there has been no relief.
Product: Mortgage

My Mortgage was sold to fay services from XXXX bankThey have had it messed up from day one first the did not have my escrow payment info said they did not get it from XXXXthen they said my payment was late in the amount of XXXX dollars not XXXX and i owed XXXX of those payment ( wrong again ) I sent them XXXX payment for correct amount girl gave me but she says she can not post until escrow is straighten out that she admitted they have XXXX upThis is going on two weeks now and i am not getting phone calls returned have requested a Supervisor to call me but no action on there partI am in the middle of a refi with another property and am going to lose my refi if i do not show my payment paid in full they refuse to do this return calls because you always get a recording when you do get thru every one is to busy to talk to youI have never dealt with a company this bad in my life0 cutomer serviceMy Credit is getting ding aswellPlease help mealso sending this to my congressman
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.
Product: Credit card or prepaid card

Dear Sir/Madam Let me put it in simple language. I paid a sum of money to receive a service that was not provided. Food and drinks were supposed to be provided in this 16 hour international flight and that did not happen. In simple language, this is a breach of contract. The terms of the contract were not met by XXXX XXXX. I demanded my money back. This is not rocket science. 

Few more things - I have been with AMEX for a while now and so far I have made regular payments at all times. Also I have recently made chunks of payment towards all my AMEX credit cards to bring all my balances down to {$0.00} except for the XXXX XXXX charge which is the only money that I havent paid yet and I am sorry to inform you that I wont pay this amount. I do not deserve to pay this amount because I did not receive the service. 

Amex has a responsibility towards its customers who are the end consumers in most cases. Consumer protection is the practice of safeguarding buyers of goods and services, and the public, against unfair practices in the marketplace. It is a shame to see AMEX supporting the merchant and not its customer. I cant force Amex to support me but my honest advice to Amex would be to start its collection proceedings in order to recover this XXXX XXXX charge from me. Also I would like to inform you that I am never going to use any of my AMEX cards ever again in my life. 

Thank you for the awesome service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion put a freeze on my credit and did n't explain why. I 've called 10 times to try to talk to someone there and get it changed and find out why they did it. The system says I need a pin that was sent in a letter sent. I never received the letter! It then says it is transferring me to a customer service rep then a busy signal comes and the call is dropped every time!
Product: Debt collection

My ex-wife and I leased a property in XXXX, TN from XXXX XXXX XXXX XXXX. They charged us above and beyond our deposit and when we disputed it, they sent it to a collection agency for {$1500.00}. When my wife and I divorced last year, this particular debt was assigned to her in our XXXX XXXX XXXX. I will attach the relevant page with our signatures and the other debts redacted. 

When I contacted Absolute Recovery Services, XXXX, in XXXX, I explained this to them and sent a copy of the page from our XXXX. They said it did not matter and they would not remove my name from the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the fraudulent account opened with XXXX XXXX. This is my second complaint with the CFPB regarding this matter. Despite my previous complaint, the account was not removed, and no evidence was provided to prove that the account belongs to me. 

I wish to clarify the following points : XXXX. The XXXX XXXX account was opened fraudulently and is not mine. 
XXXX. I have multiple police reports confirming that this account is not mine. 
XXXX. No identification or information provided by XXXX XXXX matches my records. 
XXXX. I have never lived at the address associated with the account. 
XXXX. The bank account linked to this fraudulent account is not mine. 
XXXX. I have never made any payments to XXXX XXXX, nor have I confirmed any information with them. 
XXXX. I have never spoken to anyone from XXXX XXXX regarding this account. 

According to the law 15 USC 1681i All information must be validated and insured to be correct. XXXX is breaking the law. 

I request that the CFPB take immediate action to remove this fraudulent account from my records and acknowledge the multiple police reports that substantiate my claim.
Product: Credit card

I have redeemed my cash rewards on a TD credit card twice recently into a savings account outside of TD. Both times the money was deposited into the account and reversed that same day. However, the rewards were not credited back to my rewards balance on the account. The date of the first occurrence was on XXXX XXXX 2024 and the second on XXXX XXXX 2024. 
After the first occurrence I spoke to TD on the phone and after a lengthy process they finally informed that it would be all resolved. However, unfortunately that did not happen.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( block. Inc ) due to inadequate customer service and un fair practices which violates the consumer financial protection Act ( CFPA ). Specifically, cash app to take timely and effective 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 with the electronic fund transfer Act ( EFTA ) and regulation E. These actions inconvenience and financial loss and I seek appropriate redress for this violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute hard inquiries that appears on my credit report, which I firmly believe unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I opened an checking account and my first deposit was a check and I mobile deposited the check for a neighbor whom asked me to cash it for him due to him not having an account anymore.this was in the XXXX  of XXXX.the bank is chase bank.i the amount of the check was XXXX sum odd dollars my limit is XXXX XXXX daily for deposit.per the banks rules.so a hold for ten days was placed and about the XXXX  day I got an email saying my account was restricted because of the deposit it stated on my online banking so I then called the bank and they say after the check clears they want to talk to the original payee on the check before they release more funds.And blocked my online account.and my card.this has caused me for me, the bank is refusing the money
Product: Credit card

On XX/XX/year> I had applied for the credit card Capital One XXXX. I waited for almost 25 days still did not receive why the application was denied. When I called the company, they said they had sent out the mail, I asked them for the tracking information, they said they do not have it. I asked them if they can email me the adverse action letter, they said they do not email adverse action letters. They said they will send the letter again, but I have still not received it. It's now been more than 30 days.
Product: Credit reporting

I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If Equifax can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.
Product: Credit card

In XXXX, Lowes in-store credit card began charging {$1.00} a month JUST TO PRINT MY INVOICE. The only alternative is electronic which requires me to print it myself, effectively shifting this cost-of-doing-business expense onto the customer. 

The supposed notice was never received and in any case is a fait accompli as consumers have no reciprocal rights to change terms and conditions. 

Is it legal for them to do this?
Product: Credit reporting or other personal consumer reports

The payment history of my account is not correct. The report shows that I was delinquent for XX/XX/XXXX payment ( XX/XX/XXXX being 30 day cutoff for 30 days past due ). My car was deemed a total loss by XXXX XXXX due to accident on XX/XX/2024. ( XXXX actually happened in XXXX ) but it took till XX/XX/XXXX for total loss determination during which time I continued to pay loan even though the car was undrivable and at auto body facility. XXXX XXXX then sent letter to me ( attached ) that the loan was to be paid off directly with my loan holder ... Truist Bank. I received a letter stating the loan was entirely paid off on XX/XX/XXXX. 8 days before a 30 day delinquency which I was monitoring very carefully to avoid any late payments. Due to an error by my insurance company however they never notified me that XXXX XXXXejected this payment because it was short {$XXXX} ( out of {$XXXX} ). However... they did send a {$XXXX} payment. After sending me attached letter stating loan was paid off neither XXXX  nor XXXX informed me it was not posted to my account and still in process. And even though my insurance company sent {$XXXX XXXX deemed my account to be 30 days delinquent because their system did not accept the additional {$XXXX} until after the XX/XX/XXXX XXXX delinquency cut off. However ... .again ... It was communicated to me that my loan was paid off and no further payment was required. I have NEVER had a delinquency on my auto loans. As you can see from my history I paid on time every time. This is an error on my insurance companies fault and Truist never communicated with me it was not paid off while they were working through the process. XXXX XXXX even got on the phone with XXXX and indicated it was not my error... but an error between XXXX and Truist. In speaking with Truist they agreed this delinquency was not my error and would reach out to credit bureaus to correct. However... they have now declined to help me. After escalating to management they are now taking the position it was not their error and refuse to help me any further. Prior to this issue I had a credit score of XXXX. Overnight it went to XXXX. This has severe financial consequences for myself and family thru no fault of my own. This is very harmful and I do not feel due to my insurance companies mistake and lack of communication from Truist I should be held responsible for this delinquency when I have a spotless payment record. Thanks you for you consideration.
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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$1800.00} XXXX XXXX AUTO XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  XXXX {$2900.00} XXXX {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. XXXX ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.
Product: Credit reporting, credit repair services, or other personal consumer reports

SHELLPOINT - XXXX is reporting an erroneous late on my credit file. I was not aware of this until I checked my credit report. I had called them because I was unaware of this late and never received a letter, notice, or phone call. When I called and paid I asked why they didn't notify me, they said they sent a notice to an address where I do not receive mail. 
They acknowledged that they made this mistake and did not charge me a late fee, they also said this wouldn't report on my credit file. This was a long time ago and it is still reporting on my credit file. I called again when I noticed the late being still being reported. Again, I was told this would be removed. Unfortunately this late notation is still reflecting on my credit file. I have been a customer for years and have never been late on this account. It is a shame that they are doing this to really good client of theirs. I am expecting that this late be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a XXXX page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.
Product: Money transfer, virtual currency, or money service

I was going to work in the middle of the street, and some boys approached my car selling a T-shirt. I put in the amount but could not see the company 's exact name. A kid grabbed my phone, put in {$180.00} over and gave my phone back, and ran. I could not run after him. I was in the middle of the street, so I pulled over. There was a police officer there who told me to report it to the police.
Product: Debt collection

I had a storage unit with XXXXXXXX XXXX XXXX. All of my things were ruined as a result of a major rat infestation. Before I was due to pay again I had my things hauled away to the dump. As a result of me moving my things out early I was issued a check from the company for the prorated amount of time that I had already paid for but wasn't using. A year later I got an alert to my credit that this was in collections. I disputed it, filed my proof and it was removed. A few months later it was placed back on with another collections agency. If I owed money the company wouldn't have issued me a check. I believe this property manager acted in retaliation for me exposing the unsanitary conditions this facility is kept as well as their rodent infestation. I paid extra for insurance & the property manager refused to give me the information I needed in order to file a claim to have the loss of ALL my things reimbursed. I would like this debt reremoved from my credit once and for all.
Product: Mortgage

On XX/XX/XXXX, my mom and I decided to hire a XXXX to build an XXXX on our home property. The XXXX XXXX from XXXX XXXX XXXX XXXX used Solar Mosaic LLC to finance and take out a Home improvement loan, a lump sum of {$74000.00}. My loan is {$45000.00} and my mother 's is {$37000.00}. Unfortunately for us, XXXX ended up being a fraudulent XXXX and took off with the money, XXXX was not communicating with me regarding the construction, and he wouldn't talk to the XXXX either. I have reached out to Mosaic several times, starting early this year around XX/XX/XXXX to report the problem and I was hoping that Mosaic would be understanding of this horrific event. It came to my knowledge that there were XXXX other people who had complaints against XXXX through Mosaic. After exchanging emails and sending photos of the property it took Mosaic about XXXX months just to tell me that they couldn't do anything because they couldn't prove where the money went or what it was used for. I don't think Mosaic even took this matter seriously. We are talking about {$740.00} a month, for something that I did not get in return. I did not get the promised construction, and I still have to pay that back. I have been paying {$740.00} since XX/XX/XXXX and it's getting more difficult, the only reason I have been paying it is to prevent my XXXX XXXX from dropping. I am a victim of a fraudulent XXXX ; I have pictures and emails to prove it all. My mother is also on the Mosaic XXXX, her separate loan is {$37000.00} and pays {$620.00} a month. This is a lot of money we are talking about, Mosaic needs to deal with this differently because it is absolutely unfair for my family and kids. Mosaic is now taking advantage of me as a " consumer '' if you can even call it that. I just want Mosaic off my name and credit report, my kids and family do not deserve this at all. I waited this long to put in a report because I am a fulltime working mom, XXXX XXXX XXXX who is trying to better herself and now I get hit with this nonsense fraud, I finally found time to sit down and write this whole report.
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquiries multiple times with XXXX, XXXX and Experian and they kept ignoring my request. So, XXXX filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

15 U.S. Code 15 U.S. Code 1681XXXX - Requirements relating to information contained in consumer reports-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, nor later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, EXPERIAN AND XXXX. Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX