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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX  XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX CARD Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Debt collection

Capital One Has continuously called me by phone and harassed me and also continue to send me mail through the us postal services stating they are a debt collector trying to collect on a debt knowing I am a consumer and I have rights based on 15 usc 1601 ( Truth in Lending Act ) ... and they have also made false reports on my consumer reports.I would like this to be handled in a timely manner please. Thank You
Product: Credit reporting or other personal consumer reports

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within 24hours. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX XXXX. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, has violated my rights . 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 an 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

I call the Experian and you can't talk to them at all talk to that this prompt that I'm having is not to talk to them and. Tell me my credit report account on and I can't fix my credit report on online at all and won't I try to fix. years go I got my credit report account fix. then the Experian let this XXXX collection agency put there bad credit on my credit report account and it knot my XXXX account at all I don't won't them to is tell this XXXX collection to stop put XXXX collection account on my credit report account and tell this XXXX Company to stop put this XXXX account on my credit report account sir. Idont. won't to give any information that you need to. Find my credit account at. all so don't ask me for it at all so ask me any questions about me sir
Product: Student loan

I am currently on hold to speak to a live agent with Nelnet. I called the customer service phone number XXXX at approximately XXXXXXXX XXXX  on Friday XXXX XXXX XXXX It is now over 2 hours on hold to speak to an agent and I still can not reach someone. 

I have screenshots taken as I am creating this complaint. I can not continue to wait for an agent to respond. I am unable to discuss my options with my servicer. I have added the screenshot, and I have call logs available upon request from my cellular phone company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report. 
XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. Creditor, BECU is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in  XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than  seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter XXXX over 10 years after the filing and discharge in XXXX - in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated for XXXX  years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) XXXX
Product: Credit reporting or other personal consumer reports

I have request an investigation of XXXX XXXX XXXX on my credit report. The charge-off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2024, I zelled XXXX dollars to the wrong person. I didnt realize until 9 days later. The person filed a claim with their bank ( XXXX  XXXX XXXX ), and on XX/XX/XXXX, the money was taken out of their account and sent to my bank ( chase ). The money never arrived in my account and XXXX says there is nothing they can do
Product: Money transfer, virtual currency, or money service

I am filling a complaint on cash app ( block, inc. ) Due to inadequate Customer service and unfair Practices, Which violate The consumer Financial protection act ( cfpa ). Specifically cash app Failed to take Timely An effective. 
Measures To prevent An address fraud on there platform, leavinf my account vulnerable and unprotected.
Product: Mortgage

Out of the blue in XXXX I received a bill for {$1700.00} from BB & T (  Now Truist following merger with Suntrust ) on my monthly mortgage statement. The month before, XXXX, I received a more typical bill of {$330.00}. XX/XX/XXXX, I had mad a payment {$1000.00} and another on XX/XX/XXXX for {$2000.00}. So this {$1700.00} bill left me confounded. Upon contacting the bank by phone I was told that this was past interest BB & T had not been able to show on any previous billing statement, but was now possible because of Truist 's new software. But even on the XXXX statement none of the numbers add up in any understandable way. 
The Column showing the " explanation of amount due '' is indecipherable with any conventional math.BBT/Truist multiple times. I have been put on hold for hours while customer service representatives try to make sense of my account. 
Most recently I spoke with XXXX XXXX regarding the issue. Ms XXXX acknowledged that the bill was in disarray but said that prior to BBT joining Suntrust to become Truist, BBT had no way of calculating said suddenly due interest. When I pointed out that the bill in no way showed a logical balance she said she would escalate the issue to an accounting division to verify. Ms XXXX like other representatives promised a return call that did not come. 
On repeat calls to her direct line I have been routed directly to voicemail and have not received any return calls. I did receive two separate billing statements dated XX/XX/2020 in XXXX. XXXX had the amount due of {$73.00} and a second with amount due of {$1600.00}. 
In summary, I was receiving normal billing statements up until XX/XX/2020 when I was suddenly told I owed a large amount of interest that had never been referenced on any past billing statements. At no time has the bank provided me with a bank statement where the numbers balance and/or account for the " discovered interest ''. The Bank expects me to just pay {$1700.00} in interest they say they discovered during the merger. 
I will attach the statements from XXXX and XXXX as well as the two disparate statements from XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX personal information incorrect XXXX XXXX XXXX- no response XXXX information incorrect XXXX XXXXXXXX XXXX- no response XX/XX/XXXX XXXX information incorrect no response from Experian XXXX response from Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX credit No Response from Experian XX/XX/XXXXXXXX XXXX credit no response from Experian XX/XX/XXXX XXXX XXXX XXXX no response from Experian XXXX no response from Experian XX/XX/XXXX XXXX XXXX no response from Experian XX/XX/XXXXXXXX XXXX XXXXXXXX no response from Experian XX/XX/XXXX XXXX XXXXXXXX no response from Experian All the accounts are showing charged off information that is on my credit report is XXXX XXXX These accounts should be showing XXXX Balance
Product: Mortgage

I was approved a for a trial modification with Mid America mortgage on XX/XX/XXXX ( see attached documents ) I agreed to the terms and made all payments as required to do so on this 3 month trial modification. After making the 3rd payment as stated on the agreement Mid America Mortgage was to send out the permanent loan modification documents which had to be signed and notarized. In XXXX of XXXX after making my last trial payment I called Mid America several times to ask about the finalized documents and they stated they where working on the documents. It took Mid America mortgage almost 18 months to get the documents out to me. Once I received them I notarized and returned them using Mid Americas prepaid Fed envelope. When Mid America received them they advised me they needed my Ex XXXX to sign the documents as well, I advised Mid America XXXX my ex is not on the loan and is not on title she should have to sign them since I am the only one on the loan and title. So because of this Mid America did not accept my documents and had me resign them, this took a few months to get the documents out to me, once I received the new package my ex XXXX and I signed the documents and Fed ex them once again to Mid America, ( Tracking # XXXX ) TRACKING NUMBER DELIVERY XX/XX/XXXX at XXXX XXXX ) after I calling them weekly for document acknowledgment, they claim to have lost them. Now they wont allow me to reapply and have set a foreclosure on my home for XX/XX/XXXX and refuse to stop it even though I complied with the 3 payments as directed and even continued for over 18 months with no closure on there end. I have attached all documents showing proof of my complaint. We also submitted for help in XXXX but Mid America mortgage refuses to acknowledge the documents I sent them
Product: Money transfer, virtual currency, or money service

Ticket selling fraud, transaction cancelled by recipient yet transaction still went through. With no receiving of product or service implied with transaction. No course of action by police ( XXXX XXXX Police Department ) bank ( Chase ),  or money transfer service ( XXXX ).
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them correctedmoved. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts. Please help me correct these late open accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been able to resolve my 2 CD issues however they still are with holding 2 Ira that I was the benificary on. The account have already been change to me but they are saying he is still the owner. 
I have been working with XXXX XXXX XXXX to get the funds transferred there but they are getting no response as am I.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit and see that they have put a 30 day late on my credit file that does not belong there.
Product: Credit reporting or other personal consumer reports

I called trauansuiotn and XXXX approx XXXX  months ago regarding XXXX accounts for student loan which are in collections. I notices years of data ( XXXX ) missing and reporting as no data found. Recently checked again to see the account balance updated and balance changed. There was no proof of verification, correction/ addition of missing data. And credit score dropped XXXX points. This a blatant violation of fair credit reporting act. 16us code 1692 g. Ironically, they both have the same exact reporting- misrepresentation on each account so I've attached only one set of pictures from XXXX website
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my XXXX XXXX XXXX through the Chicago XXXX Center in XXXX of XXXX. XXXX XXXX was my finance account manager name. They where accurately reporting to the credit unions when I first financed the vehicle, they also accurately reported every payment until the beginning of XXXX. When the COVID-19 outbreak occurred they INACCURATELY reported to the credit reporting agencies that no payments where made due to COVID-19 which was incorrect. After I reported the discrepancy to the credit reporting agencies and provided proof that payments where being made the account was removed from my credit report instead of being corrected. The loan is now paid off and closed and it should accurately reflect that on my credit report. I spoke to someone from the Chicago XXXX Center over the phone regarding this situation and was told I would received a follow-up call but never received one I never heard back regarding this situation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX, ACCOUNT XXXX XXXX XXXXXXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and 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 reinvestigation.
Product: Checking or savings account

Last week there was approximately {$140.00} withdrawn by ACH. I contacted the bank as this was not authorized. I did not sign up or give anyone my account information. I was told this also occurred two times prior. This is FRAUD. The bank refunded one of three fraudulent withdrawals and refuses to refund approximately {$300.00} they allowed to be removed without any signed consent or any authorization by me.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy
Product: Checking or savings account

XXXX of XXXX, Bank of America closed my checking and savings account without any given reasonable explanation. I requested the reason for me the be permanently banned from them but none of the employees from BoA could provide a specific reason for them to close my account. So they said their system put me in their black list and Im probably in other banks black list as well because they are using XXXX together. They said after 6 months without banking I can try to open the checking account again but its been around 2 years and I still not can open any bank under my SSN. Until today I still dont understand why the bank decide to put me in their black list. They were holding all of my money around {$3500.00} from both checking and savings account I have for months later despite knowing the fact I need the money from my account to pay for my bills but they still not care and let me struggled.