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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX - XXXX ACCOUNT : XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX ACCOUNT : XXXX XXXX XXXX - XXXX XXXX  - Account XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - Closed - Balance - {$0.00} _______________________________________________________ INQURIES : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g CODES STUDENT LOANS 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX
Product: Debt collection

Northland Group INC, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. Northland is collecting for XXXX XXXX XXXX Reference # XXXX ph # XXXX.
Product: Money transfer, virtual currency, or money service

My issue is with Cash App. I uploaded a check for deposit on XX/XX/XXXX at XXXXXXXX. I spoke to a XXXX on XX/XX/XXXX around XXXX to find out when the funds would be available. I was told ( in writing ) that the check had been accepted and the funds would be available today, XX/XX/XXXX at XXXX CST. The funds are not available. I spoke to another rep, and am now being told that the funds will not be available until XX/XX/XXXX. They will not provide any reason for extending the hold an additional XXXX days. This additional hold will cause extreme financial duress, and is in violation of federal law on how long a check can be held ( at least that's the understanding I have from the Federal Reserve website ) and in violation of the implicit agreement provided by the rep I spoke to on XX/XX/XXXX.
Product: Debt collection

In XXXX of 2020 I found a collection on my account from LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. XXXX XXXX advised me about this, and I paid them to get it verified. They never received anything back, and I just couldn't afford to pay them any longer, so I sent a certified letter to them on XX/XX/2020, which they signed for on XX/XX/XXXX, and I didn't get any response! I pulled a copy of my CR 's from all three bureau 's on the XXXX day, and they had not posted disputed as required by law. I then sent a second letter on XX/XX/XXXX giving them another 15 days to remove it from my report as they had not verified that I owed any debt to a creditor, nor did they show I owed them any money! I again checked my 3 CR 's and still nothing removed or shown as disputed, it was still there and not shown as disputed. I finally received a letter from them on XX/XX/XXXX more then 120 days from the letter from XXXX XXXX, and more then 22 days from the second letter, that stated they were looking into it and would get back to me. I just pulled my 3 CR 's today another 30 days, and again nothing has changed on my report! I have all my signed letter receipts, and I want this removed from my report. I have copies of my dated reports and letters.
Product: Mortgage

Wells Fargo purchased the loan from another bank. During the course of the mortgage monthly payment amount would change often, Received threating XXXX letters. Fluctuation changes often regarding taxes, fees, and insurance charged. Constant collection phone calls XXXX to XXXX times a day. Would be told different payoff amounts constantly. While making payments balance seemed to never go down while paying on the principal balance. Wells Fargo was one of the worst banks I ever dealt the constant harassment was ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported my problem to FTC fraud Also I have reported Equifax credit. bureau to FTC Federal trade commission for not fixing the problem that they can clearly see on my credit report. and the documents that was submitted to them..
Product: Money transfer, virtual currency, or money service

Pay Pal closed my account for no reason and will not help or assist me with getting my account back and running so that Im at least able to transfer my balance to my checking account. Im not sure if this was a mistake but I assume it had to be. Ive been reaching out for over 6 months with hopes that they would assist me with this matter to no avail. So I am reaching out to the CFPB because I feel like Pay Pay is not doing anything to resolve this matter. In which has led to me losing my apartment and car because of this situation. My email attached to my PayPal is XXXX XXXX
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 investigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, and failing too adequately notify consumers of dispute outcomes ( reasons ). Experian has neither corrected nor explain their decision. Experian inaction violates federal law and my rights as a consumer.
Product: Mortgage

A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account was closed by the issuer. I still owed a balance but had my account on autopay minimum. After 8 or so months of the account being closed and auto payments being made, I paid the balance in full. 

During the next statement date interest had accrued and was added to my balance. The issuer had shut off auto payments I am assuming because the balance was {$0.00}, but did not put autopay back on when the interest was added to my account. 

I believed autopay was on and never got any statements paper or emailed so i never made another payment. My account was finally reported 30 days late. I paid in full what i owed opened a case with them to resolve this issue but they declined to change the reporting. 

Please help this is frustrating because i really don't think i deserve a 30day late for this issue. 

thank you very much XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent charges that I did not authorize and they are affecting my ability to obtain fair credit.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract nor have ever entered into any agreement with XXXX XXXX XXXX, furthermore they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted XXXX XXXX by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX
Product: Debt collection

Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX XXXX XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a PO Box . I clarified I did not maintain that PO Box . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my PO Box address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paper
work then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very XXXX  about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

companie ( XXXX ) reporting inaccurate information
Product: Checking or savings account

The presenting issues are as followes : I am a XXXX XXXX  XXXX, XXXX Veteran that participated in the CHASE program for veterans that participated in the CHASE option for Wartime Veterans " Free CHASE DEPOSIT BOX PROGRAM IN the XXXX XXXX STATE  XXXX XXXX XXXX XXXX BRANCH. 
My Safe Deposit Box ( SDB ) was last accessed on XXXX XXXX. XXXX " does not have any record of my request to close said SDB as said branch. "? Since on said date, I moved to the State of XXXX. I was instructed to open and continue CHASE BANKING IN my new state. If any issues becomes operative in the State of XXXX, XXXX IN SAID STATE WILL COMPLY WITH ANY CONTRATUAL OBLIGATION TO TAKE CARE OF A LONG-TERM VETERAN CUSTOMER OF CHASE. ( NOTE-I AM STILL A ACTIVE CHASE CUSTOMER AS OF TODAY ). 
However, XXXX IS DEDUCTING THE XXXX STATE CHASE SAFE DEPOSIT BOX FEES SINCE XXXX XXXX. During the process that I followed the Internal Operating Rules of terminating said SDB, I provided timely notice of my pending move to Virginia on 2021. Yet, XXXX is complying with its Internal Operating Procedure-IOP.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX (XX/XX/XXXX). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

IXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an ongoing issue regarding inaccurate collections accounts on my credit profile. I have previously disputed these accounts approximately 60 days ago, but they have not been removed or corrected. 

XXXX XXXX XXXX  {$780.00} Self lender {$520.00} I believe that these inaccuracies are adversely affecting my creditworthiness and financial standing. Despite my efforts to rectify the situation through the dispute process, the collections accounts persist on my credit report. 

I kindly request your assistance in investigating this matter and facilitating the prompt removal of the inaccurate collections accounts from my credit profile. 

Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact me.
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 ( 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 processes 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

On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX account balance was incorrect by showing a balance for the car loan that dated back to XX/XX/XXXX and a balance of {$4300.00}. I disputed the entry with Report Number : XXXX through Experian but also called XXXX XXXX XXXX XXXX about the issue. 

XXXX XXXX upon their initial call to me indicated that they had reported through XX/XX/XXXX. As I explained to the XXXX XXXX Complaints Management department for XXXX XXXX XXXX XXXX, after filing the dispute Experian updated the balance through XX/XX/XXXX. XXXX XXXX has continued to investigate but finally stating the issue is not theirs but Experian 's. As I explained to XXXX XXXX today, XX/XX/XXXX, I will continue to review my credit each month and call XXXX XXXX to have them investigate the issue and file disputes with Experian. However, this is a FCRA issue and someone needs to get it straight. 

However, Experian doesn't appear to care about it being a violation because they still haven't updated my report as of XX/XX/XXXX at which time I filed another dispute. 

Your assistance is required since I not only view this as a FCRA issue but a discriminatory act by XXXX XXXX to keep my credit score lower and thereby having credit denied to me. My Experian score is approximate 50 points lower than XXXX  and XXXX scores. Your assistance is required immediately.
Product: Credit card

I had an account with Barclays, I was Severely impacted by XXXX and a XXXX XXXX XXXX  once I was out the XXXX  I called and paid all of my debt. On XX/XX/year> I called and requested a pay for delete off my credit report with Barclays. I also requested a letter. They stated that it will come in the mail after I pay my balance of XXXX. I never received the letter in the mail and Barclays continue to report inaccurate late payments after the settlement. I have filled multiple disputes, I spoken the Representatives at Barclays Multiple times They told me they do not do anything required, reporting, and they send me over to a company called XXXX XXXX XXXX. I have called and spoke to XXXX XXXX XXXX, and they told me the same thing that they do not do anything with credit reporting and send me back over to Barclays. I have Requested my statements, since I no longer have online access, and I have not received them. I have disputed with the credit bureaus and requested a full investigation so thay update my accounts is verified That it is showing accurate. Nothing is getting resolved. The account is still showing different in accurate information from all three credit bureaus I am requesting that the count is erased completely off my credit report.
Product: Debt collection

Communicated with the consumer in prohibited manner Used harassing, abusive, unfair, deceptive collection practices prohibited by the FDCPA including false representation and deceptive means to collect or attempt to collect a debt or to obtain information about consumer Furnishing Certain Deceptive Forms No one may design, compile, or furnish any form that creates the false impression that someone other than the creditor ( for example, a debt collector ) is participating in the collection of a debt.

Threatened specifically in writing to accept the offer to settle alleged debt to stop harassing phone calls.

Original creditor sold information to three third party agencies to collect alleged debt which is in violation of FDCPA fair practice act in addition to harassment.
Product: Mortgage

Wells Fargo claims I have missed a payment. I have not. I did underpay, because I was not aware that the payment amount had increased, but have actually been overpaying for a significant period of time. I can not figure out why Wells Fargo believes I owe them a full months payment, and they will not explain it to me. I have asked them twice over the phone and twice in writing to investigate and explain this to me in writing, but they have not responded. Instead, they continue to call me frequently ( and I do not answer ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt authorize or sign a power of attorney or consent in anyway or form for anyone to open up a XXXX credit card in my name for XXXX $ which is fraudulent i never had the knowledge or access to this account I didnt se no contract with my signature and date that the account was open and i tried to reach out and get help they just tryna make me pay for something that does not belong to me and i refuse to pay for this fraudulent account i want it removed off my account immediately asap thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to try and open several accounts without my knowledge or consent. I'm requesting the inquiry removed from my file. I'm unable to dispute using the online portal.