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

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2021 I paid XXXX XXXX {$190.00} for my first months premium on a new Marketplace policy. XXXX claimed I never paid this amount, although I sent them my bank statement as proof of payment. They proceeded to cancel my insurance and refused to refund my money. I contacted Wells Fargo Bank and disputed the transaction and was told that since I initiated the payment they could not refund my money. This seems ridiculous and should not be allowed to happen. I have all of my documentation to prove that a : I paid the premium and b : XXXX cancelled my policy.
Product: Credit reporting or other personal consumer reports

According to your investigation of Experians Inquiry reporting per a membership I pay through to let me see all XXXX bureaus it appears as of XXXX XXXX, Experian claims there is no such statment and there is!!! If you cant get it removed I will then alert the FTC about the insubordination reflected by this! I am going to break this down into 3rd grade language for you Experian Credit Bureau charges me a certain amount of money ea month to process 3 bureaus, they are as listed XXXX. Experian XXXX. XXXX XXXX. XXXX XXXX XXXX has a report that EXPERIAN supposedly XXXX and what that means is This business is to UPDATE accurate information with ACCURATE dates- something of which they DO NOT DO, you seem to be fine with this- for what reasons I have no clue but for the information to be listed as a LIE to make me look bad and unreliable your willing to accept it. 
This inquiry is on XXXX 's report handled through Experian that is what a membership does, why you cant grasp it I don't know, but my patience is run out! The inquiry is dated XXXX XXXX and is supposed to be removed XX/XX/year>. What year is this now? 2024, what month is it now? well looks like it is XX/XX/year> about to go into XX/XX/year> I have sent print outs to both parties by MAIL that's United States Mail and this was done XXXX weeks ago, it does not take a flipping month for mail to arrive unless the carrier cant read! And to this day the dang information is still there pending as a LIE! I don't need to refresh my browser, I don't need to format my entire computer to clear something XXXX XXXX wont remove and Experian ignores it. What is the excuse this time?
Product: Mortgage

In XXXXXXXX XXXX XXXX  my mortgage company, XXXX XXXXXXXX XXXX XXXX XXXX ) sold my mortgage to Select Portfolio Servicing ( SPS ). 

I was laid-off from my job in XX/XX/year>. I filled out a mortgage assistance application for both my old mortgage company XXXX and SPS. 

SPS keeps requesting ridiculous updates to my application to move forward with the application. Every time they request an update, they push their 'decision ' date out 30 days. I began this process in XX/XX/year>. It is now XX/XX/year>. 

They also stated that they were not a mortgage company, yet I have resumed making my monthly mortgage payment to them as I am now employed again. 

I am not sure if this is a stall tactic they are using, but the updates they are requesting would have no bearing on their decision and seem unfounded.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a minor of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.
Product: Mortgage

XXXX and XXXX XXXX are borrowers on a HAMP agreement with Nationstar. The borrowers were in a foreclosure lawsuit in New York and the matter was adjudicated and an appeal is pending in Appellate Division, XXXX XXXX The borrowers were making their payments electronically and attempted to make the XX/XX/XXXX payment but was restricted. A 3-way call was made from the XXXX XXXX XXXX XXXX XXXX. XXXX with the borrowers and a representative from Nationstar, who verified that a code had been placed on the file and it had to be resolved through the legal department. The borrowers ' attorneys office sent emails to the bank 's attorneys explaining that if the borrowers are restricted from making payment it could trigger a default and caused the borrowers to be at risk of foreclosure. On XX/XX/XXXX, XXXX XXXX, XXXX. with the XXXX XXXX XXXX  XXXX XXXX who represents Nationstar in the appeal contacted XXXX XXXX, the loan processor with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX who represents the borrowers to inform her that she needed a Stipulation to Withdraw the Appeal signed since the borrowers are in a permanent agreement and that she had spoken to the legal department of Nationstar to remove the " code '' so that the borrowers could make their XX/XX/XXXX payment. On XX/XX/XXXX the borrower again attempted to make the XX/XX/XXXX payment but there is still a code restriction on the loan. Because New York is a judicial state all mediation and loss mitigation is handled by the attorneys so servicers, banks, and investors will not communicate directly with the borrowers. Such restrictions put the borrowers at risk in such cases where payments have to be made or loan processing is retarded by law firms who are not underwriters and delay in forwarding paperwork to the bank. The borrowers have been restricted from making their XXXX payment because the bank 's attorneys want a signed stipulation withdrawing the appeal since the matter has been settled. Because Nationstar does not want to continue to pay attorney fees it is forcing the borrower 's attorneys to sign a stipulation and have put the borrowers at risk of default. Attached are my supporting documents and this matter has to be investigated so that the borrowers are not put at risk because law firms are bartering them as collateral damage. The borrowers have spent thousand of dollars in foreclosure defense fees and should not be placed with such imminent threat of financial burden.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

This message concerns the previous claim number # XXXX, as it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX was our family XXXX  when we lived in XXXX in XXXX. We had medical insurance, the same medical insurance that we have had through the XXXX XXXX XXXX. XXXX. XXXX 's performed XXXX  services which were both covered by the XXXX XXXX and covered by independent payment. Our mailing address changed from our address on XXXX XXXX to our address in XXXX XXXX in XXXX. We did not receive any forwarding mail from XXXX office in regards to an outstanding bill. When I contacted the XXXX office about his recently, the billing clerk told me that " they just decided to submit the claim in XXXX '' and that they " never got any return mail back from the old address so ...? '' In other words, the clerk took it upon herself to send it to an independent collections collector ( Trojan ) to collect on a debt that I am not responsible for. Furthermore, it would be impossible for us to have been seen in XXXX in XXXX when we did not live there and also had another XXXX  at that time. They also took advantage of submitting a debt on my son XXXX XXXX 's credit report in which he was seen under age and not responsible for his XXXX  care at all. The medical clerk did admit the original date of service, insurance and the fact that we did have insurance and the fact that they were not sure of our mailing address. XXXX. XXXX 's office sold the debt to Trojan Collection Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis document listed me as a male. As a born female, I requested on multiple verbal communication, certified mail with copied proof of state-issued id and social security card to have my name corrected. After multiple attempts failed, I certified mail their LEGAL TEAM of this concern. The first request was in XX/XX/XXXX, I requested name correction, gender correction, an apology letter, and monetary compensation. As of XX/XX/XXXX, this company has only updated my name and gender. 

I AM STILL WAITING FOR AN APOLOGY LETTER, MONETARY COMPENSATION, AND THE DELETION OF THE ENTIRE FILE. 

THE FILE SHOULD ONLY HAVE AN ACCURATE NAME, CURRENT ADDRESS, PHONE NUMBER, DOB, LAST 4 OF SSN, AND GENDER FEMALE.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Reported a dispute in regards to creditor XXXXLast year XX/XX/XXXX received updated corrected report showing zero balance. Recently received notification of charge off and pastdue balance. I disputed the account via mail with all supporting documentation. Including XXXX records title to vehicle, new owner information. On XX/XX/XXXX I called to inquire to why the investigation has been more that 30 days. 
I spoke with a rep named XXXX and he says that he would update the status to complete but failed to provide information on proof of outcome. 
I asked him to check the dispute history and he did verify the creditor XXXX XXXX updated the account to reflect vehicle being paid off last year. Now recently the account shows a charge off with past due balance of XXXX. which is not correct. 
I asked to speak to a supervisor with Equifax but rep XXXX stated his superior who 's name is XXXX said they ca n't update the account regardless of any documents I sent. But they ca n't furnish any documents to how they verified the account.
Product: Checking or savings account

In XX/XX/2021, I opened a checking account with Citibank. I had did a transfer of {$5000.00} from my previous bank to Citibank. Soon after Citibank chose to close my account towards the end of XX/XX/2021. They advised me that they will be sending me a check for my remaining balance which is {$5000.00} within 90 days. After 90 days I did not receive any check from Citibank I have called them almost 3 times a week, leading up to today. They have given me the run around, Ive been hung up on multiple occasions, I have been promised that they will be mailing out a replacement check but to no avail. Its been XXXX XXXX yr since they closed my account and I have not received my money of {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, XXXX, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPS ). 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 regulations. These actions have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX Bank XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX Na on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions. 

Credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S.C.1681 Section 602 A States I have a right to privacy. 

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 

According to 15U.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: Checking or savings account

My name is XXXX XXXX and I am a Paypal user with email address XXXX and PayPal has locked my account asking me for documents including my ID card, bank statement, proof of address etc which I provided and in the app it says 1 business day. 

However the block was put over 26 days ago and this has really affected me because I have over {$5000.00} in there that I need to pay rent because my rent has expired and the landlord is on my neck or I'll risk my things being thrown out. 

I need PayPal to unlock my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on Credit Report - Violation of 15 USC 1681i ( 7 ) To Whom It May Concern I am writing to dispute the accuracy of certain information listed on my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i ( 7 ), I am formally requesting an investigation and correction of the disputed items. Below is the inaccurate information I am disputing : Account Name : XXXX Account Number : Not Available Account Details : Not Available This information is inaccurate and does not belong to me. I have carefully reviewed my records and can confirm that I have never had any association with the aforementioned account. Its inclusion on my credit report is a violation of my rights under the FCRA. Furthermore, as per 15 USC 1681i ( 7 ), you are obligated to promptly investigate any disputed information and remove it from my credit report if it can not be verified. Therefore, I request that you conduct a thorough investigation into the validity of the disputed item and provide me with the results in writing. Please note that under the FCRA, you have 30 days from the receipt of this letter to complete your investigation and inform me of the results. If you are unable to verify the accuracy of the disputed item within this timeframe, you must remove it from my credit report as required by law. I expect your prompt attention to this matter and request that you update my credit report accordingly. Failure to comply with the FCRA requirements may result in legal action. Thank you for your immediate attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been told by a company that I am trying to buy a car from called XXXX that a security freeze exists that I did not request. Experian will not answer any phone numbers that exist for consumers. I have overnighted mail, emailed, and tried their online requests that ultimately tell me to call them. They will not answer so that is insane! 

I am being personally harmed by them and I have no recourse to try and get them to help without I guess hiring an Attorney and suing them. I just want the freeze lifted so that I can buy a car. This is not quite a lot to ask. However I can not get a person to ask. 

Your help would be greatly appreciated. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

My vechile was repossessed last year for one late payment which I had already call to make payment arrangements I had just had my car painted and new grill etc put in the wrecker damage my car and never responded my car have been running poorly every since I have been out of thousands of dollars to get it fix ..After replacing still same issue my car is now making a rattles sounds and the stability is very poor the company the states they have pictures of how my car was towed but it was all a lie just so I would drop my claim and I didnt
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Errors have been found on my credit report involving hard inquiries I didnt authorize, violating 15 USC 16c-2. Please promptly remove these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 a account without my written instructions
Product: Credit card or prepaid card

While I was XXXX from XX/XX/2022 to XX/XX/2022, a XXXX  Visa card was opened up at Wells Fargo, I had no idea of what was open with my credentials. I have tried clearing this off and its just not working out, I have a police report filed and proof of XXXX as documents