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

XXXX, XXXX, and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts u resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all three agencys has neither corrected or removed incomplete, inaccurate items from my report. Furthermore, US Code 15 USC 1681 D12 AIB states that transactions can not be reported on a consumers report. That being said, all late payment history is to be removed immediately from my credit reports. Failure to do so is illegal and a violation of the US code previously stated.
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

On XX/XX/2019 I ordered free credit reports through my local consumer affairs advocacy governmental body. I noted a major issue with Experian. Their report has misleading and incorrect information that has been manipulated. 

Note that I have had several lines of credit over a long period of time. I have made adjustments and even the creditor ( s ) ) made adjustments to the amount of the credit made available on the accounts over a number of years. 

However, Experian is reporting the balances which were based upon previous lines of credit. For example, if I had a credit line open, at one point in time, for an amount of {$1200.00} and I had a high balance at that amount equal to {$1200.00}, Experian is reporting this account limit as the current limit amount. However, after the limits of amount of credit have been reduced, Experian is still posting the highest amount of the account, as if the card holder was over the credit limit of the account for the longevity of its active status. When a line of credit it reduced, the charge limitations during that time need to be reflected accurately. Sometimes, I decided to reduce the lines of credit. Sometimes, it was the creditor. This is problematic in determining a " fair usage '' of a credit service. IT IS THE OBLIGATION of the crediting agencies to report the lines of credit independently as they relate to high balances. Experian is reflecting inaccurate information that impacts the consumers, credit scores, insurance rates and other new lines of credit they pursue. This is grossly negligible. They should be fined and forced to correct this practice. Definitely, if the laws were changed that consumers can access and get information about their credit scores daily or weekly, this type of bad practice would not happen. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.
Product: Credit reporting or other personal consumer reports

The purpose of this letter is to advise you that an improper investigation for XXXX XXXX XXXX was conducted by your agency. 
You failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. 
Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. 
Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers.

Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.

Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Credit reporting or other personal consumer reports

This evening, I was dismayed to discover unauthorized inquiries on my credit report, and I can't understand how they got there. I check my report regularly, but this time, something is seriously wrong. I refreshed the browser, thinking it might be a technical issue, but the inquiries remain. I urgently request that the documents Ive submitted be carefully examined so I can stop worrying about this.
Product: Vehicle loan or lease

Wells Fargo has caused irreparable damage to my credit score. They misapplied payments, misrepresented fees/interest, and continuously mishandled my account with them. Everything started early 2020 and continued thru the next few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following and accurate information on my credit report. 

For your convenience, I have attached all disputing items listed in the enclosed pages of my credit report. 

The following items is is accurate and negatively affecting my credit. Please ring investigate this matter and delete and or correct the disputed items. 

I have contacted Experian, XXXX, XXXX XXXX and XXXX XXXX on XX/XX/2020. 

I explained to all of them that there is inaccurate information being reported on my credit report. Both, XXXX  XXXX  scores, split file and merged tradelines. 

I am writing to disputed the inaccurate information being reported on my credit report regarding " XXXX XXXX XXXX XXXX '' is reporting under " XXXX XXXX as a credit card. 

XXXX XXXX  is not a credit card account they only report to XXXX and XXXX  on weather or not I pay my rent on time. Became XXXX XXXX XXXX XXXX is being reported as spilt account on my credit file it is negatively affecting my credit utilization scores. 

I've reached out to all agencies to have them to correct the issues. However, they have failed to do so. 

I respectfully request that all agencies provide me with proof of disputed items specifically any contracts notes court documents or any instrumental bearing my signature. 

Failing that, this item must be deleted. 

You may send an updated copy of my credit report to the below address. 

I can be reached at XXXX or at XXXX or XXXX XXXX XXXX  XXXX TX XXXX. 
XXXX XXXX
Product: Mortgage

I already filed a complaint, and despite the agreement of fact that their system had a failed to perform as scheduled, they responded to cfpb that everything worked perfectly. This is factually wrong. 
Previous case : XXXX : **************************************************************** I have had the mortgage for many years, and had set up automatic payments. Initially I has some problems with automatic payments as Third Federal would refuse payments directly to the mortgage account number. They could not fix this. I also had a separate account with them, and I set up automatic payments to go to that account instead, and then automatically forward to the mortgage account. This worked every month for many years. The bank then changed something in their system without notifying me, and the transfer was rejected. I noticed the error a bit more than a month later, and corrected it, but they already reported the missed payment. My credit score when from excellent to bad. I also lost money due to fees and interests falsely charged against me. I have not been able to reswolve this, and I have not found anyone to talk to that can tell me why the bank failed me, and why they will not take responsibility for their defect. They said they tried to reach me. I was never contacted. I am easy to reach by phone, email, letter or any other way, and resolved it as soon as I discovered the banks error. 
******************************************************* Now, updated case requesting them to show why the transactions failed : Instead of the bank just answering " We did nothing wrong '', I would like them to 1. look at the log for the automatic payments for XXXX and XXXX. The payments was scheduled for automatic transfer internally, this automatic payment schedule had worked every month for many years, and now they failed. 
2. Document why these payments failed. 

It is not an acceptable answer to just say " we had everything working correct ''. So please ask Third Federal give a real answer as to how the automatically scheduled payment all of a sudden did not happen in the same way it had worked every month.
Product: Debt collection

I was receiving phone calls regarding medical indebtedness as a result of an emergency room visit to XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX, after checking my credit report which is an action that I perform regularly. I noticed a collection account from XXXX XXXX XXXX. My credit file indicated that the account was opened on XX/XX/XXXX, however, the collection account was newly added as of XX/XX/XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the collection agency. On XX/XX/XXXX, I received correspondence from the debt collection agency. However, they failed to validate the debt and instead provided me with a detailed account of the services, treatment, medication, personal information, and, a photo of my identification card. I know that the collection agency sending me my medical record information is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting service is charging my credit card {$27.00} per month and has refused to cancel my account. I tried to log into my account online on XX/XX/XXXX but it would not log me in. I tried the " forgot my login information '' button, entered my social security number twice and last name as indicated, and it blanked the fields. I tried again multiple times and it did the same thing. Today, XX/XX/XXXX, I tried that same process again and it failed again. I then called the TransUnion customer support number. The automated system asked me approximately ten questions to verify my identity, all personal information, which I answered correctly. It then patched me through to " XXXX XXXX, who I told to cancel my account. When he began asking me questions about why, and so forth, I told XXXX not to ask my sales questions but to simply cancel my account now. XXXX replied that their system was at that time going through a " system upgrade '' and that my account could not be pulled up. I insisted that XXXX and TransUnion close my account immediately. XXXX hung up on me. It is not believable that TransUnion would make its customer account information unavailable to its service representatives during business hours when TransUnion advertises that their customer service lines are available. Nor is it believable that my account information would not be available when the automated phone system had just accessed a great deal of my confidential personal information to verify my identity.
Product: Credit reporting or other personal consumer reports

I have disputed accounts in collections on my credit report that are inaccurate several times. Yet those inaccurate items have not been removed. I should have no delinquent or accounts in collection on my experian report. These false allegations have extremely affected my credit.
Product: Student loan

I am writing to request an expedited payment review for the Public Service Loan Forgiveness ( PSLF ) with Fed Loan Servicing, my current loan servicer. I have repeatedly, over the last 4 years communicated, sent documentation, and requested correction of the payment count on my loans. My final 120 payments on the PSLF program will be XXXX. Due to the length of time and non-responsiveness of FLS, I have continuously tried to work with them to get the payment count corrected. There are 15 payments that are not being counted toward PSLF by FLS. 1 ) 13 payments made to Direct Loans XXXX that are not being properly counted by FLS. Documents 1,2,3 uploaded pertain to these payments. # 1 is a copy of the 13 payment receipts ; # 2 is a letter from Direct Loans that I am being placed on the Income based repayment ( IBR ) plan, a qualifying plan for PSLF ; # 3 is a letter from XXXX acknowledging that when my loans were transferred by Direct Loans to XXXX in XXXX, that paperwork for my loans did not transfer along with the loans. Next, 2 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 4 attached copy of the payment receipt. Next, 3 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 5 attached a copy of the payment receipt. Next, 5 ) A payment made to XXXX on XXXX is shown as Outside of payment window by XXXX. This payment was made to XXXX on XXXX. My loans were transferred to XXXX within a day of this payment causing the payment to be caught up in the transfer. The payment arrived at XXXX but was miscoded. Its still miscoded after 4 years in spite of repeated requests to have XXXX correct it. See doc # 6 copy of payment receipt made on time on XXXX. I need help!! Thank you for your time and work on my behalf. XXXX ( XXXX ) XXXX
Product: Mortgage

I was enrolled in Paymap 's XXXX beginning in XXXX XXXX for a mortgage serviced by XXXX. In XXXX XXXX, I cancelled the service and moved to a new address. 

On XXXX XXXX, XXXX, I received a letter in the mail regarding Paymap Inc. and Consent Order AP File No. XXXX. The letter notified me of a refund check that was issued sometime within the last year, but which I have n't yet received. It said that a replacement check could be requested by calling the XXXX Customer Service Center at XXXX. 

On XXXX XXXX, XXXX, I called the XXXX XXXX Customer Service Center and spoke with a representative there. She provided me with a claim number, confirmed that my account had an incorrect phone number and mailing address on file, and said that the check may have been mailed to the wrong address. She had no other information available, and told me to send an email to XXXXXXXXXXXX requesting that the check be reissued and mailed to the correct mailing address, which I did. 

On XXXX XXXX, XXXX, I received a secure email in reply from XXXXXXXXXXXX confirming receipt of my request. 

On XXXX XXXX, XXXX, XXXXXXXXXXXX replied with a second secure email informing me that my request was being reviewed. 

One week later, on XXXX XXXX, XXXX, I again called the customer service number provided in the letter to ask for an update on the status of my request to reissue the refund check. Again, the representative had no information available, and referred me to send a request to the email address. I sent another email to XXXXXXXXXXXX, and again only received an automated response that my request had been received. 

Today, XXXX XXXX, I called the customer service number a third time, and was told that they were not handling the refund checks, that they had no information regarding any requests for reissue, and that I should call XXXX, a different customer service number. Calling that number, I was again told that they had no information regarding a request for reissue. The representative told me that he could reissue a refund check, but only if I could provide the check number -- which I do not have, because I never received a refund check. He recommended that I send another request to the email address, which I did, only to receive the exact same automated confirmation email reply that I previously had ... Although not via secure email. 

I am still waiting for information on the status of my refund check, but have no means to get it using any of the contact information provided by Paymap , Inc .
Product: Debt collection

I contacted XXXX XXXX and asked them to correct the inaccuracies that they reporting inaccurately. 

I contacted the credit report agencies and ask them to verify this account. 

I have been continually disputing this account. 

They continue to place new negative payment activity on my credit report for an account that they say was opened and charged of in XX/XX/XXXX and XX/XX/XXXX Please tell them that they can not continue to due this and make them correct all the incorrect information on my credit report or delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )
Product: Checking or savings account

I purchased several items from XXXX XXXX on XX/XX/2023. The company sent me the incorrect bottle of perfume and I sent it back to them and they have not returned my money. I went to Discover Bank to file a complaint and it was denied. I have not received my bottle of perfume nor my money back.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days 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 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 XXXX
Product: Debt collection

I am writing to bring to your attention a concerning issue regarding the conduct of XXXX XXXX XXXX, specifically regarding their handling of my debt. Despite my explicit instructions to cease communication under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX continues to engage with third parties and disclose information about my debt. This includes selling my personal information to collection agencies, resulting in repeated attempts to collect the debt and potential harassment. Such actions not only violate my rights under the FDCPA but also jeopardize my privacy and security. I am deeply troubled by XXXX XXXX XXXXXXXX XXXX  disregard for my lawful request to cease communication and their apparent willingness to compromise my personal information. I urge XXXX XXXX XXXX to investigate this matter promptly and take appropriate action to ensure compliance with consumer protection laws.
Product: Checking or savings account

Chase addressed me as my personal maiden name in regards to a business that does not have me listed under my personal maiden name to pull my personal credit for a business credit card. Therefore, they illegally pulled up personal information from their internal system.