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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the EXPERIAN credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2021 I had a procedure done at XXXX XXXX XXXX in XXXX, FL. I was given a quote, they billed my insurance, and I payed the bill before the XXXX even took place. On XX/XX/2021 I received a call from a debt collector letting me know that I had an unpaid bill from XXXX XXXX XXXX XXXX in the amount of {$200.00}. I had received no bill, calls, or emails from XXXX XXXX XXXX XXXX regarding this charge. I looked at my online patient portal at the hospital and I had no outstanding charges. After talking with the debt collector, I realized that XXXX XXXX XXXX XXXX had found an address that I had not lived at in years. This address is different than what was on my driver 's license, patient portal at the hospital, registration forms for the XXXX, and insurance. They never tried to call or email me before selling my bill to a collections agency. They never checked with the hospital or my insurance company for my address and I am not sure how XXXX XXXX XXXX XXXX obtained this old address. The bill has now been paid in full as of XX/XX/2021.
Product: Credit card or prepaid card

On XX/XX/XXXX I had XXXX XXXX  conduct a balance transfer. They send the funds via wire to Synchrony bank. True XXXX the funds cleared XXXX and when I called Synchrony to verify their receipt they said they had not received it. 

They conducted an investigation and gave a temporary credit while they researched. XX/XX/XXXX the funds appeared and then on XXXX they removed the credit of {$3700.00} and then again on XXXX they removed it again. This canceling out my payment. But Im the process they showed I was negative on my available credit. 

I called and emailed multiple times including speaking to a manager and no resolution has been made. I was told to weight 48-72 hours and the funds would return. It has been almost a week and it has not corrected itself as they stated Due to their negligence in handling my funds and reporting to the credit bureau. They have stolen almost {$4000.00} of my money and damaged my credit due to their negligence. 

See attached document for the double reversal that took {$3700.00} from me.
Product: Student loan

i found out XX/XX/2016 -13 years later that I had a student loan with XXXX and that it was in default. XXXX turned it over to Van Ru which started harassing and threatening calls. when I tried to find out about the loan and why it was so old they told me I had to write in as they would not respond to emails. I have been mailing them almost 8 months to find out where the money is going they are taking out of my check but they do not respond. they send me a court order and used USA funds letter head. I would really like to know where the money is going and how it is being applied to my 13 year old loan that I did not even know about.
Product: Debt collection

My name is not on this account. The name is XXXX XXXX. I don't know why it's on my credit report... we just share rent/utilities. Also, case was dismissed for XXXX in a court of law in XXXX XXXX. She has report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and apr XXXX 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. 


XXXX XXXX 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 XXXX XXXXnd 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: Credit card or prepaid card

I wasn't able to download it to my digital wallet as advertised. They then charged a {$4.00} " Monthly Maintenance Fee '' for a digital card which makes no sense. When the card expired ( 12 months from date of issue ), they charged a {$12.00} reissue fee which covers shipping and handling for a replacement digital card with no shipping or handling. The process for requesting a replacement card is unduly burdensome. Despite it being an electronic card and all communications being done electronically, to request a replacement card, you have to print and send a form via u.s. mail that must be received by a certain date. There is no mention at the time of requesting a replacement card that there is a {$12.00} fee. As a result, my {$80.00} prepaid card is now {$50.00} and who knows if/when I'll receive a replacement. When I asked to waive the fees, I was told both the reissue fee and maintenance fees " can't be waived. ''
Product: Mortgage

We entered into a loan modification on XX/XX/XXXX, the terms of the modification were to be at a fixed reduced rate from XX/XX/XXXX through XX/XX/XXXX. We were told that if we made ALL of our payments on time that after the " fixed rate '' period they would re-negotiate our loan modification. After several months of back and forth, two loan modification packages, countless emails & phone calls the lender is not willing to modify our Option ARM loan whatsoever. It should be noted that when we originally got the loan in XX/XX/XXXX we were told it was XX/XX/XXXX ARM, we had no idea it was an Option ARM loan. Also, the final forms for our modification were forged by the lender, they are clearly not our signatures.Furthermore the lender just sent me an ACT 91 Notice on XX/XX/XXXX yet they have filed foreclosure paperwork with the courthouse. The contact information on the ACT 91 notice is false, the contacts do not exist, the phone number is never answered and the email does not work. We feel that our legal rights of due process are being violated as the lender is not following PA law. They are not honoring their prior commitment nor are they allowing us the opportunity to re-apply for a loan modification.
Product: Debt collection

Enhanced Recovery keeps billing for an old XXXX account that was discharged with a bankruptcy. XXXX used XXXX collection agencies, the other XXXX removed the information from my credit report after receiving my letters - Enhanced Recovery has not. I am attaching letter I sent to XXXX and to Enhanced Recovery requesting they remove this negative collections information from all XXXX credit bureaus. I have also made numerous, numerous phone calls both to XXXX and to Enhanced Recovery and I 'm always told the account will be removed from my credit report but it never gets done. Enhanced Recovery has violated the law by continuing to report this debt. I think the account # is XXXX ; however, Enhanced Recovery is using a different number that begins with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS XXXX, EXPERIAN XXXX DID NOT MODIFY OR REMOVED ANYTHING. 
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS. 
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY. 
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW EXPERIAN, XXXX, XXXX VIOLATED MY RIGHTS.
Product: Credit reporting or other personal consumer reports

Not following the FCRA guidelines. 
Submit multiple requests to get accounts removed
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is providing invalid information to the credit bureau as well as on my file about a bankruptcy that I don't have. I have requested on XX/XX/2019 for them to verify the validity of the information that is on my file and they have yet to do so. LexisNexis have not given me information for where they have gotten there information from.
Product: Debt collection

NOTICE # 2 XXXX Sent certified mail letter XXXX DRB LLC Received my letter XXXX DRB LLC Emailing me about the alleged debt owed and offering a settlement XXXX DRB Continues to email me again about the alleged debt owed and offers a settlement. This is negligent and non-compliant, and they will be liable for violation and will intent to sue. I have a fraud FTC Affadavit to prove this account is fraud as well. 

XX/XX/year> XXXX DRB responded to the dispute complaint, not acknowledging what I was requesting, which is a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXXis fraudulent on my credit Account # XXXX
Product: Credit card

Comenity Bank processes XXXXXXXX XXXX credit cards. I had set up automatic payments through the XXXX XXXX website. I used my XXXX checking account. In XXXX, Comenity processed my payment but indicates they received a stop payment from XXXX. I did not stop payment. Comenity then sent a message indicating I had a message in their message center. I did not see that message until late XXXX when I received a XXXX XXXX message indicating my account was overdue. 

I immediately went online and processed a payment for the full balance and received confirmation. Today, I went to do my XXXX bill payments and realized there was no credit in my XXXX account for XXXX. I checked online and saw that the payment had been returned. Called Comenity and was told XXXX had returned the check. I called XXXX, and they had no record of any charges coming through that would result in a returned check ( I have overdraft protection ) and no issues with the account that would have resulted in the payment being declined. 

I called Comenity back and was told I needed to have XXXX send documentation indicating the information on the returned check. I pushed back because XXXX had no record of a returned check/payment or any item that would have had to be returned. 

Comenity indicated I must have put a stop payment on the account- which I did not do. The letter I received from Comenity indicated I requested to stop automatic payment but then the Comenity rep said they were stopped because of the returned payment. I did not stop payment to Comenity and XXXX has no record of any payment request coming in. I asked if Comenity shut down my automatic payments because I had not used the card for 9 months- they didn't respond but reiterated I would have had to do a stop payment or the account had insufficient funds -- neither was the case as confirmed by XXXX XXXX 

Comenity did waive the late fee but I was also charged returned check fees when there was no reason for the payments to be returned. Additionally, I could not use my primary checking account because Comenity would not allow it to be used until payments were good for 3 cycles- there was no communication regarding this until I brought up the earlier payment I had made today when I first called in. The first rep at Comenity took my payment and I left that call at least thinking the payment had been taken care of but, in pushing on why payments weren't clearing, was finally told they were not going to be allowed to go through. So, Comenity would, yet again, charge a returned check fee even though they knew it wouldn't be processed because of the situation.

It appears the payments never went out from Comenity to XXXX to be processed. What isn't clear is why the first one didn't go out ... that seems to have been the catalyst for the churn in their processes.
Product: Checking or savings account

My account was closed for no reason. I am a victim of bank discrimination and misleading practices. The Bank representative use my old address when I requested her to put my new address when opening a new account with the bank. Due to her error my account was closed and I am unable to do any transactions on my account. When I try to correct issue with the bank they refuse to acknowledge my complains and proceeded to lock me out of the account entirely. Refusing to connect me to a manager or give me any information about why my account was closed. I ask them to return my funds to me and they wish to mail me back my money by check to the wrong address when I am notify them that I no longer at the old address that I am working on moving to the US.I have provided proof of this claims to them. I also was question about my citizenship status and I inform them that I am a US citizen born in PR they continue to question my identity for no reason. I am disgusted with such deceiving practices and searching online I have realize that I am not the only person treated like a criminal by my own bank. I hope that in the future CFPB will take action against banks leaving customers on hardship unable to pay for their bills due to abusive power. Please help me get my funds back. I am in distress and my bank do n't care if I eat, pay for my medication, my bills or die. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute Regarding Inaccurate and Improper Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate, delinquent, or improperly reported items on my credit report, as well as to address concerns about the credit reporting agency 's failure to conduct proper investigations and procedures as required under the Fair Credit Reporting Act ( FCRA ).

Issues of Accuracy and Completeness : Several accounts on my credit report reflect late, delinquent, or missing payments that are incorrect.

Information has been reported to agencies other than the originating creditors, creating inconsistencies.

Failure to Conduct Proper Investigations : The credit reporting agency failed to reasonably reinvestigate disputes, including forwarding all relevant information to the furnishers of disputed items.

Notices provided to me as a result of prior investigations have been vague, ambiguous, and often contradictory or provided.

Violation of Reporting Standards : Deleted information has been improperly reinserted into my file without proper notification or certification of its accuracy. 
Reinserted items appear under different furnishers, creating further confusion and inaccuracies. 

I request the following resolutions : Immediate removal of all inaccurate, unverifiable, or incomplete items from my credit report. 
A thorough and fair reinvestigation of the disputed accounts in compliance with the FCRA. 
Written documentation of the investigation 's findings, including detailed updates or corrections made to my file. 
Failure to resolve these issues promptly will leave me with no choice but to pursue further legal or administrative action. 

Thank you for your attention to this matter. I expect confirmation of receipt of this letter within 30 days, as well as timely resolution of my disputes. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).
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 violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XXXX/XXXX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company XXXX XXXX XXXX now has replaced the same invalid account on my credit profile. This account should be removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an unknown credit agency by the name of SYNCB National Credit Cards/ Airlines , reporting to my XXXX XXXX account on XXXX  XXXX. Theres no amount shown but its making hard inquiries, one that dates XX/XX/XXXX and the other on XX/XX/XXXX that are negatively affecting my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and innocently lost XXXX USD of my hard-earned life savings. 

I advised TD Bank of this fact on XX/XX/2022. After that, I sent my reminder letter on XXXX XXXX, XXXX. Even more, I went to the local branch and called several times. After 4 months of trying to get any feedback, which I find as rude and disrespectful treatment of the client, I received a negative response.
Product: Debt collection

AAMS ACCOUNT NUMBER XXXX BALANCE IS {$4700.00} THIS COMPANY IS VIOLATING THE HIPPA ACT, SO I WILL SUE IF THEY DO NOT REMOVE IT FROM CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This is my second formal complaint to resolve these incomplete and inaccurate accounts. See enclosed! Nothing was corrected! Delete or fix accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not pulling Equifax.. I disputed some items XXXX weeks ago and not my score is nowhere to be found
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 14 violations of my rights accross 12 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609.. 

I logged into the XXXX website, to dispute these items and discovered that I could only submit one item every 30 days. It would take approximately one year to get all these items corrected. I should be able to report and have items corrected in a reasonable amount of time..

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out ''. 

>>>Inconsistent and Inaccurate regarding Date Last Active for 12 accounts ]. 
- XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX - XXXX  XXXX Account # XXXX ( listed twice ) - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX. 
Furthermore, some of these accounts have additional violations which are also highlighted below. 
. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX After a previous dispute of this account, XXXX XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
. 
- XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX I never opened an account with XXXX  in XXXX of XXXX. This account should NOT be on my report. 
>> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX This Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXX Account # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number