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

I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and  they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX/XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  reporting me 150 days late payments. There was an error on their part. I was never 150 days late.
Product: Vehicle loan or lease

I recently financed a vehicle with Ally. Made the first payment in XXXX via their website. In XXXX, I could not make a payment from the website or app as my account does not have the vehicle/loan information in it. I've called Ally MULTIPLE times to get this fixed. Most that I talk to have no idea what's going on or why. After finally getting a manager to talk to me, she told me they had a system issue and working on it. I was told this last week ( XXXX ). It's been down since the second week of XXXX. The only option they now give me to pay my loan is via phone to a third party that charges a fee to make the payment. This bank has issues and something larger than being revealed. ( breach, hack, incompetent, whatever it is ). All I want is to be able to pay my loan, see the loan data ( interest paid etc ) and NO ONE there can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account alerted me that CBNA open new account. 
The date stated the account was opened XX/XX/18 but I just received the alert today XX/XX/18 I havent contacted the company because Ive read a lot of the reviews that they make a lot of mistakes an errors on there behalf so I came straight to CFPB to handle the issue.
Product: Checking or savings account

XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -Probate Court Case : XXXX XXXX XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My aunt XXXX XXXX has several account at Wells Fargo. I ( XXXX XXXX ) was listed as Payable Upon Death ( POD ) Beneficiary on two of the accounts. The other bank account was a Sole Owner account. I XXXX XXXX are the sole Personal Representative for the Estate of XXXX XXXX XXXX. I have some serious concerns about Fraudulent Checks written these accounts from XXXX Present. Fraudulent debit cards purchases where also made after my grandmother died. I was never contacted by the bank. I had to fight in probate court to prove I'm the sole inheritor of all my aunts estate. The original valid " Will '' which was in the safe box lists me as the sole Beneficiary. My first cousin XXXX XXXX XXXX Forged Documents, Changed the locks at my aunts property, created counterfeit " Wills '', Altered signatures, ordered debit cards and withdrew large amounts from these accounts. I'm seeking full restitution for all unauthorized transactions and fraudulent purchases. Any Account changes and maintenance to any of my aunts accounts from XX/XX/XXXX or any dates thereafter are fraudulent. She was diagnosed with XXXX XXXX XXXX, she was XXXX and XXXX XXXX. She was not fully XXXX nor willing to make any changes or consent for any Accounts Ownership Changes, Withdrawals, Checks written debit card purchases etc. Her IRA beneficiaries where also changed. I have hired an Handing Writing Expert do advised that my Aunt didn't sign nor write any checks. As a federally regulated bank, i want an investigation opened especially round the time of her death and thereafter, any and all transactions done are to be reversed. No freeze was placed on the accounts to prevent my first cousin from taking funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I sent certified letters to XXXX, XXXX, and Equifax, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of Equifax, and most recently XXXX and XXXX. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to XXXX  Equifax, and XXXX  and they are disregarding regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

To : CFPB, XXXX, Experian, XXXX ; XXXX XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/Jordans Furniture account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : XXXX and Experian report a balance of {$910.00}, while XXXX continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS XXXX form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus.

Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against XXXXXXXX XXXX  XXXX, which owns XXXX XXXX, for similar violations. In XX/XX/year>, the CFPB cited XXXX XXXX for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered XXXX Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across XXXX, Experian, and XXXX. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.
Product: Credit reporting or other personal consumer reports

ACCOUNTS WERE OPENED IN MY NAME UNFORTUNATELY. The accounts listed are 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  Please make sure to remove these fraudulent accounts off of my credit report! I don't wish to include personal experiences of my situation.
Product: Checking or savings account

XXXX XXXX Capital one 360 I have transferred funds from XXXX to America-Capital one 360. 
Im suppose to transfer funds for Investment and they denied my transfer. They told me " we don't transfer funds to agency ''. They wasted my time for two days to deal with five minutes transfer. All m information for transfer is correct. I transferred it to external account by pulling it out. They had another option of transferring the funds to external account takes two days. So much waste of time. 

The bank should not have the power discriminating between small companies and big companies.
Product: Credit reporting

I sent Experian a dispute on XXXX/XXXX/2016, XXXX/XXXX/2016, and again on XXXX/XXXX/2016. It is now XXXX/XXXX/2016 and I have not heard back from them. According to the FCRA, Experian has 30 days to investigate the dispute and send me the results, if they do not get back to me they are supposed to delete the disputed accounts. I understanding going a few days over but, it 's been over 3 months and I have not heard anything back from Experian. Please contact Experian and have them delete the disputed accounts off my credit report.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX was a new account on my consumer credit report # XXXX. This account was previously deleted back in the year XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified.
Product: Debt collection

Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the XXXX XXXX of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection INNOVATIVE RECOVERY is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.
Product: Checking or savings account

Just to let you know, I just graduated XXXX XXXX XX/XX/XXXX. I recently joined the XXXX XXXX XXXX. The checking account with USAA is my first checking account. Before I left for XXXX XXXX on XX/XX/XXXX, I had my mom added to my checking account so she could take care of bills while I was in XXXX XXXX. She wrote me and asked me about some charges and I wrote her back and asked her to check on them. Then I tried to buy some deodorant and stuff on post and my card was declined. I hurt myself and was able to get a phone privilege to let my mom know I may be recycled due to injury and that I could n't ' t use my card. She told me she called USAA and asked about the charges, and told them I was in XXXX and was n't able to keep calling and stuff to USAA and to not cancel my card til I graduate from XXXX, but USAA cancelled it anyway. They did n't send a replacement card. USAA just left me hanging. My mom read me the letter they sent to the house and it was generic and did n't say nothing bout my card being cancelled or suspended or whatever it was. Then I had to finally call USAA and it was the worst experience that I have ever had. USAA is not a bank for military families. USAA needs to have a better way to help members when they are in XXXX XXXX where communication is restricted. I requested that they send me a card to the XXXX  overnight. USAA said they could n't do overnight. So, I 'm already having a hard time adjusting to XXXX XXXX, home sick, injured, and USAA leaves me stranded with no access to my money. There 's a difference between trying to protect privacy and being uncooperative and unreasonable. At this point USAA is being unreasonable. I even uploaded a copy of the orders I received XX/XX/XXXX, so they see where I am.
Product: Debt collection

Hello I called are Clark and associates and spoke with a Supervisor by the name of XXXX XXXX and she told me who I owed, how much and advised me she can do a pay for delete. I advised her ok Ill call back tomorrow to pay the balance due she said ok. On Tuesday XX/XX/2018 she called and left me a voicemail XXXX. She then called me back on Tuesday 5 minutes later and then 2 hours later she called again. On Thursday she called me at XXXX and my daughter answered and she said XXXX and my daughter advised her my mom is busy she started laughing and said ok and hung up. I think her tactics are harassing Im willing to pay my bill but not when she is being harassing. I have the voicemail and call records and the call recorded when she spoke to my daughter. Please help.
Product: Mortgage

Good evening, I made a payment a mortgage payment to Freedom Mortgage on XX/XX/XXXX for the month of XXXX and this payment was not credited to my account on XX/XX/XXXX. It was credited on XX/XX/XXXX. 

This resulted in a negative credit bureau reporting of 30 days late which dropped my credit score by XXXX points with one bureau. 

I have always ensured that my payment is made in the month of, most times on the XXXX as I have extenuating financial situations but do not ever want to fall behind on payments. 

This has never happened before and I was never formally informed that tis could happen. 
I was taken aback by the messages I got online ( this must be new ) and tried sending secured messages immediately. These I will attach. 

This mortgage company is taking unfair advantage of consumers as the date is very important to record keeping and the date the payment was made was XX/XX/XXXX. 

As I was traveling there was a one hour difference and it showed as XX/XX/XXXX in their system. I did not have available internet service and had many challenges getting to a reliable source to get access to their website as I specifically did not want a late payment. 

I called Freedom Mortgage a few times to request intervention and a courtesy and this evening my call was escalated to XXXX employee id XXXX who said there is no courtesy that can be shown regardless of the time the payment was ACTUALLY made vs. the time their system made the credit. He was even able to tell me that he could see each time that I logged on checked and eventually made the payment and sent the messages. All of this was done between XX/XX/XXXX and XX/XX/XXXX for 3 years, 3 years of on-time payments and I was refused a one-time courtesy due to the weekend dates as historically they were able to tell me that all my payments were made between XX/XX/31 but those were week days??... so this being a weekend My credit will be damaged for 7 years??? for a payment that was MADE on their system before the end of the month that they can VERIFY
Product: Mortgage

I have contacted this company many times to get this situation resolved. I was in Bankruptcy, got out of Bankruptcytried to work with them and they put in default of my mortgage as soon as they released my Bankruptcy. 
Now, I continue to call to speak with someone and I cant get in touch with anyone to answer the phone! I need to know if they have received the payment of XXXX I sent to cure the loan and bring it out of default.
Product: Credit card or prepaid card

I have been contacted by various collection agencies about a XXXX XXXX credit card. I did not open said account and provided information as to it being impossible that I could have opened the account. They continue to bounce from one collection agency to another and attempt to report this account on my credit report. 
It is not my account as I did not open it, I request you make them cease their harrassment and unprofessional tactics.
Product: Money transfer, virtual currency, or money service

I'm a XXXX from XXXX XXXX XXXX  XXXX XXXX, and I pay my XXXX medical premium payments to Optum Financial, which in turns pays my medical insurance. Optum Financial collects these XXXX medical premiums through a XXXX unit or organization. The website informs consumers that any online payment transaction, by credit card or bank transfer, incurs a {$20.00} processing fee. I use bank transfers from by checking account, which cost Optum Financial nothing. So they are collecting {$240.00} per year to take my monthly medical premium payments. This is a junk a fee, charged by a greedy company, simply because they can get away with it.
Product: Debt collection

On XX/XX/2021 alliance debt collection agency called me and multiple members of my family stating there was a pending court case against my wife leaving voicemails about people coming to our house to find my wife
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 Finance 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: Student loan

have been paying loans since XX/XX/XXXX was late 30 days due to XXXX transferring the loans to Nelnet. Once contacted Nelnet and set up auto deduct for $ XXXX month on a payment due of $ XXXX/month which is taken ever XX/XX/XXXX of the month. never received 1 monthly statement only get a letter from XXXX that my payment is being deducted. get a YE interest statement but no other communication. Called to see when my loans should be done since I have paid extra each month and it has been more than 10yrs. My total loans were {$19000.00} ( 6 % interest ) when I started. They are saying it is in default and I still owe over {$21000.00}! I asked where all the $ I paid went and they told me it went to collections/default fees. I was never told it is in collections/default etc. no letters, calls, nothing! lived at the same address for 17 years. my credit report says they are closed and the balance owed is {$0.00}. called my school and they said that my loans show a green status. my tax refunds have never been held for non-payment nor has my paycheck been garnished. Do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED TRANSUNION REGARDING THE UPDATES. ITS INACCURATE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$36.00} ; XXXX XXXX  Balance : {$36.00}