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

On XX/XX/XXXX, my partner and I applied for a used-car loan from XXXX XXXX  XXXX The requested loan amount was about one-third of the purchase price and our ( as reported to us ) credit ratings were XXXX and XXXX, so we anticipated a quick approval of a loan whose monthly payment would likely be {$130.00}. 

XXXX did respond promptly, but rejected our application. They cited three reasons, two of which we knew to be false : ( 1 ) Wage Earner Plan or Bankruptcy; and ( 2 ) Insufficient credit history. 

For the record, my partner and I have never been subject to Bankruptcy proceedings or ever involved with any kind of debt forbearance plan. We are retired former bankers in our XXXX with long credit histories including XXXX credit cards, home and co-op mortgages/loans and multiple automobile purchases. 

Thinking XXXX XXXX  had been supplied incorrect credit information by Experian which resulted in our rejection, I immediately filed an identical application with my primary bank, XXXX XXXX, for the same loan. Within minutes, we were approved by XXXX -- on somewhat better terms than available from XXXX XXXX. 

I then reached out to both XXXX XXXX  and Experian to get our declination removed from our credit files -- where I was told it would remain until XX/XX/XXXX under a federal regulation. 

XXXX personnel said they were only acting on information provided by Experian and could not alter their decision or remove the record from our credit files. They sent me to Experian, where I spoke to two representatives. Neither would consider removing the declination from our credit records, although the latter did call up my credit file and acknowledged there were no mentions of bankruptcy or forbearance plans.
Product: Debt collection

This company reported a debt on my credit report without notifying me of this debt. it was previoulsy with another company that done the same, This was worked out in good faith with the original creditor. I was also not notified that this debt would be reinserted on my report within 5 days As I was supposed to be.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Checking or savings account

On XX/XX/2020 my chime account was hacked and all my money from savings and checking was sent to a stranger. I called them and pointed out XXXX dollars had gone missing. I filed a complaint, the man said they were hacked but I would prob not get my money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX XXXX XXXX  with a balance of {$670.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX XXXX on my credit report as a collection account. 

I looked at my Experian credit report on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 pulled my credit report and noticed several inquiries from XX/XX/2019 and several from XXXX and I reported to Equifax that it was fraudulent activity and I did not make them accusations I called several.of times ans and on one have tried to help resolve my issue and one hung the phone up in my face while I was still talking trying to explain my situation one answered and said they recieved my diaputr letterd and the phone hung up i callwd right back they next person said they never received my letter when the person before me.confirmed they got the diapute letter I explain I had a fraud alert on my account and that I sent in all.paper work they said nothing they could do and hung up the phone The following items are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

During the course of a seven year period starting in 2012 USAA Federal Savings Bank portrayed a simple interest bearing deposit account of approx. $ XXXX as an investment account. This was years before XXXX XXXX merged with USAA. The reason I am reporting this egregious violation is 2-fold. Each time I made a withdrawal from the account USAA would apply a 10 % penalty in addition to the withdrawal. These funds were accumulated with taxed dollars. As if the 10 % penalty wasn't bad enough, USAA would issue a 1099 that captured the specific amount of the withdrawal with the footnote of reporting the transaction to the IRS. As I mentioned, these funds were accumulated with taxed dollars and the 1099 was intended to raise my tax bracket with taxed dollars from a simple interest bearing deposit account being pertrayed as an investment account. 
This act went on for seven years. I have the 1099s along with account statements and I'm sure USAA does as well.
Product: Debt collection

US Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I paid off my auto loan with XXXX XXXX XXXX in the amount of XXXX on XX/XX/2023. As of XX/XX/2023, XXXX  months later my account is reporting as XXXX days late for XX/XX/2023 and " too new to rate '' on my Equifax credit report. My XXXX and XXXX credit reports indicate that there have been no missed payments for XX/XX/2023 and this account is closed and paid satisfactory. Furthermore, I have documentation from XXXX that this account was paid off in XX/XX/2023. Despite trying to resolve this issue with Equifax in the past, they have not been able to do so. The attached letter from XXXX confirms that the account was paid off and closed on XX/XX/2023 and was never late.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  CREDIT I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Bank account or service

I had a long standing credit card with BB & T that was opened because liek XXXX XXXX XXXX BB & T had pushed their employees to open credit cards for customers. It was fine, I used it for a while and then decided to stop using it because I did not like BB & T customer service or fraud protection. I let BB & T know this and suddenly my account was closed due to suspected fraud. There had not been any charges on it for months and it was being paid, so I have no idea what the " suspected fraud '' was and BB & T will only respond with nonsensical answers to that question. The truth is that most likely it was in retaliation for my conversation with customer service. I do not care about the account and had planned to close it anyway. The problem is that it is derogatory in my credit report now because it is showing a balance due and closed by the issuer -- that is a red flag and it has delayed my mortgage application. I alsed BB & T to simply remove it and XXXX XXXX of BB & T falsely claimed that they are required to continue reporting this by the Fair Credit Reporting Act. She also included letters that were supposedly sent to me about the suspected fraud, but given that there were no charges on teh account, again -- I have no idea what they are talking about. It is clearly a XXXX attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the XXXX data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible I XXXX XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., EQUIFAX, XXXX, XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have had relationships with..

are all unauthorized an have no Permissible use.

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 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Product: Mortgage

I have a mortgage with Nationstar Mortgage. In the middle of XXXX, I received a bill stating that my payment would go up beginning on XXXX XXXX, 2017 by {$220.00}. On XXXX XXXX, I sent in my regular payment of about a {$1000.00}, but they refuse to deposit it on my account. They are stating that they can not deposit it because the check has been suspended until I send them the updated amount. I am on a fixed income and I live with my sister who is on social security XXXX. We can not afford to pay this type of an increase without having prior notice to prepare. 
They are now stating that my mortgage is going to be reported on my credit as late, when I paid them what I always pay on the first. I do not understand how this is ethical. According to information on the Federal Trade Commission website, it states that the servicer must give me a statement that clearly itemizes the estimated taxes, insurance premiums and other anticipated amounts to be paid over the next 12 months, and the expected dates and totals of those payments, which has not happened. 
They are now also making me work through their bankruptcy department, which I am fearful will add additional expenses to my account. Being retired on a fixed income and living with a sibling who is XXXX, it is very hard to make ends meet, much less taking on a new expense without sufficient warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my collection in full on XX/XX/XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. Equifax reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is equifax 's error, not theirs. Equifax says it is the company. I don't know what to do. I have other mistakes on my Equifax credit report as well, and I am afraid that Equifax will leave these discrepancies there. XXXX XXXX XXXX has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my Equifax credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.
Product: Debt collection

On XX/XX/2020 @ XXXX est. I spoke with a representative form William rush about an inflated debt. I asked this debt collector to produce all documents of payment history, fees and how their company is saying that I owed the XXXX. I informed the representative that I was by law entitled to all documents. I also informed the representative that I have proof that I didnt owe as much as William rush is claiming I owe.The representative stated that she would email me all documents that I was asking for. I never received any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

1 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: Debt collection

This account was discharged in bankruptcy XX/XX/2010 over six years ago. The account was XXXX INC AND RECENTLY TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX ( a collection agency for XXXX ) has sent a threatening letter demanding payment for really I have no clue what. It does n't break down what its for or why we owe this amount. Its been over 7 years since we had XXXX service at a home that was discharged in the bankruptcy as well. Ive since contacted my lawyer and if another letter is sent we can sue and get paid for harassment. After all bankruptcy is hard but its for a fresh start and not to be harassed nearly 7 years later.
Product: Credit reporting or other personal consumer reports

TWO THINGS : I RECENTLY ATTEMPTED TO APPLY FOR AN ONLINE BANK ACCOUNT AND LO AND BEHOLD, AM DENIED BY INFORMATION PROVIDED BY EXPERIAN CUSTOMER ASSISTANCE, WHOEVER THAT IS, GIVING A PRECISE SCORE, WHATEVER THAT IS, RELEASED WITHOUT MY KNOWING OR PERMISSION OR EVEN KNOWLEDGE OF ITS EXISTENCE, and WAS DENIED DUE TO A LOW LEVEL OF XXXX : HOW? Where From? Indicating Fraud, I do not participate in fraud. And that they were Unable to verify information on your application. THIS IS RIDICULOUS. I ALSO JUST LOGGED INTO MY EXPERIAN FOR MORE INFO, TO SEE IF MY ACCOUNT JUST TOOK A HIT BECAUSE OF ALL OF THIS AN NOTICED THAT MY SCORE WENT DOWN XXXX points for paying my {$1200.00} credit card bill off in full, like Like Ive been doing : THIS IS CRAZY THAT I AM PENALIZED FOR PAYING MY DEBTS ON TIME AND IN FULL. THEY KEEP SETTING AND REMOVING THE BAR. THEY DONT WANT TO SEE ANYONE SUCCEED BUT THEIR POCKETS. THIS IS AN INJUSTICE TO THE AMERICAN PEOPLE EVERYWHERE
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts:XXXX : Account Number XXXX
Product: Mortgage

I bought my house in XXXX of 2018. It was an FHA XXXX. I paid XXXX for the house and was given XXXX in seller assist. Total of XXXX. My mortgage person, XXXX XXXX, referred a contractor for the renovations. JC construction that charged me XXXX. My mortgage should be for XXXX but it is XXXX.When I asked him at closing about the difference he said that XXXX XXXX ( the XXXX lender ) adds a percentage to the contractors estimate just in case it is needed. I later find out that it was only 15 % of the XXXX. I was also told by XXXX XXXX that my loan didn't close as an FHA mortgage even though I had to do an FHA XXXX because of the condition of the house. I have reached out to XXXX many times. I finally got a call back after I called his office manager XXXX. Then I got XXXX 's assistant who had no idea what was going on. {$9000.00} is a lot of money over 30 years and I'd appreciate some help in getting me these answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with XXXX supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR ALLY FINANCIAL SERVICES FOR MY LEASE : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2022 FOR 30 DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.