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

I am writing to file a formal complaint regarding inaccurate credit reporting by XXXXXXXX XXXX ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( Equifax, XXXX, and XXXX ), which is negatively affecting my credit score and financial standing. 

The following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX  be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.
Product: Debt collection

I am filing a complaint due to ongoing harassment from collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. 

Description of the Issue : I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.
Product: Vehicle loan or lease

Nissan motor company is reporting me as past due and stating that a full payment needs to be paid. Nissan has approved and pushed through deferred payments and agreed to extend my loan in 2022 but now is stating that regardless of deferred payments a full payment must be made immediately to take the past due balance off my account. The maturity date does not align with the deferred payments and is now affecting my credit negatively. Nissan has not changed or accurately documented the deferred payments now resulting in a past due payment and reporting me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes.Ive used Zelle multiple times on various occasions and also reported issues but they have failed to investigate properly. I was informed that lost funds were impossible to recover or told that they would put in the claim but I never received anything. I find this very unprofessional and unacceptable.
Product: Debt collection

On XX/XX/XXXX I spoke to a woman at XXXX XXXX for 8minutes. 

She gave me two account numbers and told me they were both in collections. 
I advised her to give me total amounts and what was owed. 

The first account was taken out of collections and has been placed back into the Hospital at XXXX XXXX XXXX XXXX, where I have been making payments. The lady at CMRE advised I owed {$230.00}. Which is false. I have a copy of a bill that says I owe {$180.00}. When I received the bill from XXXX themselves it said I owed {$150.00}. So they sent me a statement with a false premium. She also stated that I just made {$100.00} payment for account number XXXX. WHICH IS THE WRONG ACCOUNT. I have a copy of my receipt showing the right account number. She mislead and gave false information. 

She advised both accounts were in collections. When I advised that the XXXX XXXX one was not she argued and stated that they need to call them. Basically they send me a bill with the wrong amount on it. And refuse to take it out of collections. 


I have attached receipt, phone info, and copy of the false statement they sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed fifth third bank that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file
Product: Credit card or prepaid card

I have a Capital One Quicksilver credit card that was replaced due to signs of fraud. A new card number was issued and the old card number was cancelled. As any normal person would do, I assumed all transactions to this old card would be rejected and the merchant would notify me for alternate payment in this case. An old subscription later tried charging the old card number for {$840.00} on XX/XX/XXXX. Instead of rejecting the transaction as would have been appropriate, the transaction successfully cleared. When I called to question them on why this happened, Capital One told me they or XXXX ( all the same from my perspective ) supplied my new credit card information to the merchant without my permission or even notifying me. I filed a dispute, but this only triggered the merchant to submit whatever they had to say they wanted to file a transaction and did not address the root of the issue that Capital One is supplying my credit card information without my permission, which they claim is normal behavior despite the fact that it benefits only them and works to my detriment and means I have no control over who can charge old card numbers. They have reinstated the {$840.00} charge and determined it to be my responsibility. I will pay it only so that I can close the card and end further potential charges from the old card number.
Product: Credit card or prepaid card

The credit card is issued on Synchrony Bank and the card is Walmart.com.

Walmart.com closed the credit account after I submitted a promise to pay on past due balance. 

The credit card company is still reporting to the credit bureau after closing the account and is lowering my credit score by 5 points.
Product: Debt collection

account was open do to identity theft i flied a identity theft report with the county police
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Hope you're having a wonderful day. I have multiple inaccuracies on my credit report that needs you all 's help. I've spelled them out in the attached documents and request prompt action in resolution. 

Unfortunately, there was a problem on your side when I originally submitted my requests, therefore I'm seeking confirmation and follow up within 30 days of this complaint. Thank you so much in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both Equifax and XXXX twice about this account that is past the Texas Statue of Limitation which is currently 4 years.

In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

I have been working with XXXX XXXX - XXXX XXXX- and he has stopped returning my calls and emails. So I decided to pursue financing with another mortgage company and we have all been trying to get XXXX to release my case number so the new mortgage company can move my file along and he will not comply. He said he released it weeks ago and it's up to FHA to complete. I have contacted FHA and they said it is still in XXXX 's name ( Loan Depot ) and when I told him that he said I don't care, there is nothing more I can do. He is preventing me from bettering myself financially and holding my Case number XXXX and not complying with anyone 's request. He's been very XXXX and XXXX and has XXXX disregard to help me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in disputes to XXXX, XXXX and experian. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times
Product: Debt collection

Im not sure whats going on and who this is company is, but a negative inaccurate remark for an alleged debt has been added to my consumer report by LVNV Funding and it needs to be removed immediately!
Product: Debt collection

On XXXX i received a notice via mail from Allen & Withrow, Attorneys at Law that I owed a debt of {XXXX XXXX XXXX XXXX  They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The XXXXXXXX XXXX XXXX XXXX XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.
Product: Vehicle loan or lease

This vehicle was stolen on XX/XX/2019. I made a police report around XXXX XXXX I called my insurance company at XXXX XXXX  and then again at XXXX XXXX  and filed a claim. I received a packet of papers from my insurance company which I filled out and mailed them back in their addressed envelope on XX/XX/2019. I have copies of all supporting documents. I had full coverage insurance and gap insurance to cover my entire loan. This was not a repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on my credit report XXXX XXXX XXXX as a debt to debt collector in which I don't owe and is in error
Product: Credit reporting, credit repair services, or other personal consumer reports

No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX XXXX and XXXX  by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!
Product: Credit card or prepaid card

Attempted to cancel the account online at my settings but PayPal would not allow me to cancel. Said I must call the company which I have attempted to on two occasions but the wait times are hours. 

PayPal is doing everything they can not to take my emails, calls or allow me to close my account despite the balance being {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$1600.00}
Product: Mortgage

I have unknowingly been paying PMI insurance, an overpayment I estimate to be around {$7000.00}. They said they would refund {$900.00} of that ( about a month ago ), did not, nor did they respond to a demand letter from legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX 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 an account without my written instructions
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 violates 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 losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made payments in advance to this company which is a simple interest loan not a compounded interest loan. this company reports daily interest charge as my principal balance. causing my credit score to go down. on a simple interest loan per california law is computed on a daily rate based of the apr on the principal balance from the date of the last payment to the date the next payment has been received. i made my first 2 payments early. and after that i have paid for several bigger payments. the company then reported to transunion the interest accrued prior to receiving the next payment making my principal balance increase. the credit bureau in turn lowers my credit score believing i missed a payment. i called the loan company to ask them why are they doing this to me. and to please follow the law in regards to reporting the principal balance correctly. every time i make a payment they report to the credit bureau a few days before the payments due the principal balance plus the interest charge always making my actual principal balance higher than it actually is. i sent documentation to the customer service rep. to show him exactlly what i was talking about. he acknowledge that my credit report reflect the interest is included in my principal balance instead of listing the correct principal balance. today i went to check on my credit score and i saw my score went down even further because the company had attached a statement to my report. unfortunately i can not view this statement but it is derogatory because it caused my score to decrease even further. so instead of helping me raise my credit score they are deliberatly using evil practices to hurt me. i dont understand why. i am a good client i dont cause any issues i make my payments online and i never have been late yet they treat me as if i am a bad client and even go out of thier way to hurt my credit score. i never have dealt with a company who punishes thier good customers. and i have a more in depth credit monitoring account and i saw on there that they ran my credit report multiple times for 3 months i seen it ran every day for a week then a week later it was ran multiple times yet again. must have been at leadt 14 times. as you can see in the attachment that i provided that my score was affected by going down XXXX points because of the remark they added. instead of it going up because i made a payment it went down and XXXX points is a lot.
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. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, TransUnion continues to show 30 days past due that's reporting negatively on my credit report. The representative from XXXX contacted TransUnion regarding the dispute. An Align Income Share Funding servicing representative has reached out to Ms. XXXX ( me ) personally to discuss the issue and inform me ( Ms  XXXX ) that they will be removing the negative 30 day past due reporting from her credit report. Please remove immediately!
Product: Debt collection

On XX/XX/2018 I was contacted via phone by a representative from Portfolio Recovery Associates. On XX/XX/XXXX and XX/XX/2018 they received letters, via certified mail. In these letters I formally requested that Portfolio Recovery Associates validate this debt. It is now XX/XX/2018 and I have not received any response. 

I noticed that XXXX is now reporting I owe XXXX  XXXX {$3300.00}.