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

Re : Complaint Against XXXX XXXX, Experian, and XXXX for False Credit Reporting Dear CFPB, I am filing a formal complaint regarding violations of consumer protection laws by XXXX XXXX, Experian, and XXXX concerning the inaccurate reporting of a settled debt on my credit report. 
Specifically, the violations involve : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : Inaccurate reporting of a settled debt as unpaid. 
Failure to correct the false report after disputes were submitted with supporting evidence. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : Misrepresentation of the debt status by XXXX XXXX. 
What Happened : An outstanding balance of {$2900.00} for my XXXX XXXX account was placed under collection. On XX/XX/year>, I reached a settlement agreement with XXXX XXXX, paid the agreed amount, and received written confirmations that the account was fully settled and would no longer be placed under collection, and received the following confirmations : - Settlement agreement confirmation from XXXX XXXX. 
- Proof of payment of the settlement amount. 
- Confirmation of successful processing of the payment. 
- Written confirmation from XXXX XXXX stating that the account was fully settled and would no longer be placed under collection. 
Despite this, Experian and XXXX have continued to report a balance of {$2000.00} ( Experian ) and {$2900.00} ( XXXX ) on this account, and labeling it as a " potentially negative account. ''. 
What I have Done to Resolve the issue : I have submitted disputes to both Experian and XXXX, providing supporting documentation that confirms the debt has been fully settled. However, both credit bureaus have stated that XXXX XXXX repeatedly confirmed the debt was still outstanding. This assertion is inaccurate and misleading, as evidenced by the documentation provided by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Re : Discrepancy in an Experian Address Change Dispute Report Number XXXX Dear Experian Dispute Resolution Team, I, XXXX XXXX XXXX XXXX am writing to address a persisting issue regarding the recent address change dispute filed with my Experian online account, under report number XXXX. Despite my initial complaint and subsequent investigation, the discrepancies in my credit report have not been rectified. 

On XX/XX/year>, upon reviewing and printing my Experian online credit report, I have verified that my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Dakota XXXX ) was accurately documented in my online Experian account. However, on XX/XX/year>, I have discovered that my address had been tampered with. It appears that unauthorized individuals, under various names, including possibly fictitious or identical aliases, accessed my Experian online credit file account and omitted my apartment unit number, XXXX, associating it with false identities. 

Promptly on XX/XX/year>, I have filed an online dispute with Experian, providing evidence of my correct address through the uploaded first page of my contractual rental lease agreement with XXXX XXXX XXXX XXXX, operating as XXXX XXXX XXXX ( See Exhibit A ). Additionally, upon reviewing my Experian credit report, I have noted incorrect address ID numbers associated with the XXXX XXXXe Apartment complex ( address ID numbers XXXX and XXXX ) ( See Exhibit B ). 

Following the dispute submission, I have received an email notification from Experian stating that my " dispute is completed, '' and the " dispute report number XXXX results are ready for review '' ( See Exhibit C. However, upon review, it became evident that the discrepancies outlined in the initial dispute remain unresolved. My residential address still lacks the XXXX XXXX XXXX XXXX 

I am deeply concerned about the unauthorized alteration of my residential address and the potential implications of my identity theft problems. It is distressing that I received no notification from Experian regarding the change to my address between XX/XX/year>, and XX/XX/year>. This further raises suspicions that individuals using false identities have gained control of my Experian online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two open and current accounts that are not showing on my credit report. The first account is with Commenity Bank XXXX and the second is XXXX XXXX credit card. Commenity back I have had numerous problems with and my current account with them was showing on my report for a while but it just somehow disappeared today even though the account is still open and in good standing. This hurt my credit file drastically. The next is a XXXX XXXX credit card that is in good standing but doesnt show on my report.
Product: Checking or savings account

I have a HSBC Premier Checking account. Yesterday on XX/XX/XXXX, I made a Real-time Transfer of {$60.00} from my HSBC Premier Checking account to my XXXX XXXX  Savings account. Since this was a Real-time Transfer, it should be received by my XXXX XXXX Savings account instantly. However, when I checked my XXXX XXXX account, this {$60.00} transfer was not received at all. Then I called XXXX XXXX and was told by XXXX XXXX representative that they didn't receive this {$60.00} transfer from HSBC at all. However, this {$60.00} has been already deducted from my HSBC Premier Checking account and the transfer status on HSBC end shows successful.

Apparently HSBC deducted this {$60.00} from my HSBC checking account but didn't send this {$60.00} to my XXXX Savings account at all. HSBC illegally stole this {$60.00} from my HSBC Checking account now.

I request HSBC to IMMEDIATELY either send this {$60.00} to my XXXX XXXX  Savings account instantly or post this {$60.00} back to my HSBC Checking account.
Product: Debt collection

Someone applied for a credit card in my name in XX/XX/year> and I have no knowledge of this happening. Now I just received a debt collection letter in the mail for a balance of {$650.00} and my credit has dropped. I have no idea who has my ssn or who applied for whatever this alphaeon credit card is.
Product: Debt collection

A couple of months ago late XX/XX/2019 while at work I recieved a very threatening phone call from someone named XXXX who said he was representing a law firm and if I didnt pay him a couple of thousand dollars today that he already had agents outside my home to get me. I was alarmed and tried to find out what was going on. He informed me i owed a debt to XXXX XXXX XXXX. I called XXXX XXXX XXXX immediately and was informed a debt collection agency had taken over. I called them imediatly and worked out a payment plan. Ive made two payments so far. Ive tried to contact them to tell them debit card I was using to pay was closed dou to fraud and have had no calls returned by them. Finally today XX/XX/2019 i recieve a threatening very aggressive call from XXXX again playing the same routine! After explaining that i tried calling them multiple times he informed me that I now owe even more debt then the payment plan I had agreeed to with another staff member. He was rude, threatening and aggressive and belittled me and eventually hung up. Im concerned our original deals terms will keep changing and they have not given me any paperwork. Im concerned before I pay anymore money that these people honor what we agreed upon. Also when I asked to speak to who I had made deal with I was told hes on vacation. Please help this XXXX guy has been scary to deal with
Product: Debt collection

Contacted Eastern Account System on multiple occasions, XX/XX/2018, XX/XX/2018 to understand where this debt was coming from. Insurance covered all costs and I copaid at hospital. I would like this debt immediately removed from my credit report because they can not find any paperwork to support my owning the debt.
Product: Credit card

In XX/XX/year> I made a remaining statement balance payment of {$200.00} which is what there system presented to me, I did not choose this amount. As part of this payment process, there system asked me if I wanted to cancelled the automatic minimum payment since I was making the remaining statement balance in which I did. Turns out the {$28.00} minimum payment was also needed to satisfy the full prior statement balance amount. This seems very odd that the remaining statement balance option they presented to me did not include this amount. This caused my balance not to be paid in full to prevent finance charges and therefore I was charged finances charges that I was unaware I would be charged. When my next monthly payment came up, I did the same thing and again was charged finances charges. This practice seems very suspect and potentially an issue in how there billing system works at least from the mobile app, which is where I did my payments. 

I called to try and discuss this with a representative and they just gave me the standard response that I had to pay the prior statement balance amount each month to avoid charges. This of course is what I was trying to do each month but their system was not fully transparent, at least in my opinion.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I purchased my credit report as I come to find unlawful transactions reporting on my report. I mailed out letters to the bureaus TransUnion, XXXX, and XXXX XX/XX/XXXX to correct the inaccurate remark and payment history for all the inaccurate accounts as I understand it to me and they duty per 15 U.S. Code 1681 - Congressional findings and statement of purpose - Accuracy and fairness of credit reporting.
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 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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Capital one has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX
Product: Debt collection

This company is reporting a debt that is no longer outstanding after I have already informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation, an official copy of my UCC-11 form signed by the secretary of state, which proves that I have no outstanding debts. They have failed to grant my request as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Product: Checking or savings account

Today I received a notice that said they were debiting my account {$72.00} for overdraft fees. I have tried to get them to refund these before and they have said no until I filed a complaint. They are taking advantage of me because I am  XXXX  and only making {$10.00} an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Trans Union, XXXX and XXXX  a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Debt collection

I have been receiving phone calls from Wakefield and Associates, LLC, for a number of months now. I have not answered the calls but occasionally someone leaves a voicemail with no details except that I should call them back. After a XXXX search to find that Wakefield is a debt collector, I became suspicious. I am not aware of any outstanding debts of any sort. After several months of calls from Wakefield, I finally received a letter dated XX/XX/2023, stating that I owe {$160.00} to XXXX XXXX XXXX, XXXX. I have never done business with this company, I have never received a bill from this company, this company has never sent any sort of communication to me regarding a debt I owe, and now Wakefield is calling me regularly and has sent written notice that I have a debt in collections. I do not believe this is a legitimate debt.
Product: Credit reporting or other personal consumer reports

In XXXX I had a legal name change. Experian has not removed my old name from all documents and the result is that I periodically have no credit score for months at a time. I have reached out to experience support numerous times since changing my name legally on XX/XX/XXXX. At first, employees encouraged me to wait longer. But after about one year I finally reached someone who forwarded me to a web portal where I should have been able to submit the official documents. However, this web portal was and is broken. I then was directed by an Experian employee to fax my legal name change documents to a given number on XX/XX/XXXX, which I did. I've heard nothing back about these documents and do not know their whereabouts. I have read that submitting a report to this bureau is the only solution short of involving an attorney which motivates Experian to resolve this type of issue.
Product: Mortgage

My husband and I switched to Mr. Cooper for our mortgage a few years ago- I believe everything was finalized XX/XX/XXXX. We received a certified letter from XXXX XXXX XXXX XX/XX/XXXX stating that our city and county taxes were not paid for XXXX. When I reached out to Mr. Cooper XX/XX/XXXX to find out why the XXXX taxes werent paid out of our escrow by the due date at the end of XX/XX/XXXX, I was told it was an error on their part and that the taxes would be paid out of our escrow, with all penalties and interest paid by Mr. Cooper, within 5-7 business days. When the delinquent taxes still were not paid 2 weeks later, I again reached out to Mr. Cooper. I was told at that time that they were waiting on XXXX XXXX to verify how much they owed. I live in XXXX XXXX, and I asked them to pay XXXX XXXX XXXX. I corrected them, and I was told they would ensure the tax cert was sent to XXXX XXXX XXXX. These delinquent taxes still were not paid several days later, so I reached out to XXXX XXXX XXXX  directly, who stated they never received any communication from my mortgage company. When I called Mr. Cooper back to ask for clarification on this, I was told Pennsylvania  had a blackout period and the taxes were unable to be paid until XXXX or later. I explained that it was now XX/XX/XXXX, and I was then told I just needed to give it more time and that there was no set time that the blackout period would be over. I requested they conference call in XXXX XXXX XXXX to explain why the taxes would not be paid within XXXX  days of notification as stated in the certified letter, at which time XXXX XXXX XXXX stated that there was no blackout period. The escalation manager reportedly sent a message to Mr. Coopers tax department ( he stated they were XXXX ) stating that and was told they were researching this. I spoke to someone else at Mr. Cooper later in the afternoon XX/XX/XXXX, who stated that, if I sent a copy of the certified letter from XXXX XXXX XXXX to them, my taxes would be paid that evening. I sent an email to Mr. Cooper with those documents attached that very evening, and, upon calling today XX/XX/XXXX, the taxes still have not been paid. I was again told by the escalation manager at Mr. Cooper that I needed to give it more time. Despite that I have repeatedly stressed over hours on the phone over the past several weeks my fear of being taken to court and/or having my house foreclosed on for not paying these taxes, they still have not been paid out of my escrow. Im not even sure what Im waiting for for them to be paid as I already sent over the documents detailing everything they needed. I cant get an answer from Mr. Cooper either, as they state that their tax department ( XXXX  ) doesnt do customer service and can only respond via email ( which I sent an email to them over 3 weeks ago and never received a response ) or chat with a Mr. Cooper representative.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the actions of the 3 major credit bureaus and their failure to comply with the requirements of U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report has been impacted by negligent actions, errors, and inaccuracies in violation of the FCRA, specifically under 1681o, and these violations have been associated with multiple accounts. These accounts, which are linked to inaccurate or outdated information, have been incorrectly reported on my credit file, negatively impacting my credit score and overall financial standing. Despite my attempts to resolve these issues with the credit bureaus, no satisfactory action has been taken to correct these discrepancies. This failure to correct the inaccuracies constitutes a violation of 1681o, as the credit bureaus are negligently noncompliant with the requirements to maintain accurate information in consumer credit reports.

As a consumer, I am entitled to accurate credit reporting, and these violations of the FCRA have caused harm to my credit and, by extension, my ability to obtain credit under reasonable terms. I respectfully request that the CFPB investigate the negligent noncompliance of the credit bureaus, ensure that they are held accountable for the violations under U.S. Code 1681o, and assist in the correction of the inaccurate information associated with my accounts.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report.
Product: Checking or savings account

On XX/XX/2019 I learned about the fraud that ive been victim, due my ATM/debit card was stolen/lost and my personal account compromised l send a letter to this institution on XX/XX/2019 showing and highlighted bringing the amount of {$3300.00} in fraudulent activity as well explain my situation but I didn't receive NOTHING even a denied letter. Honestly I was thinking and expecting more from this institution.
Product: Mortgage

Our issue stems from an undisclosed Lien/Tax called a XXXX ( XXXX XXXX XXXX ). This is something that benefits the local city that allows Developers to enforce a XXXX. The XXXX  is an assessed value of the home and property that is a fixed annual payment due each year. We were never disclosed of what a XXXX  is or why we are not Exempt as a veteran, given that we are exempt from all property taxes within our county and state laws. This XXXX  has turned into a nightmare, and we regret purchasing this home. 

When we closed in XXXX XXXX, the XXXX was never disclosed to us at signing. TREC NO.20-16 TXR 1601- One to four family residential contract ( Resale ), Page 4 section 7 states that PUBLIC IMPROVEMENT DISTRICTS : if the property is in a public improvement district, seller must give buyer written notice as required by 5.014, property code. An addendum containing the required notice shall be attached to this contract.

Page 8- 22 AGREEMENT OF PARTIES : The two boxes that are clicked are Third party financing addendum and addendum for property subject to mandatory membership in a property owners association . The box stating Addendum containing notice of obligation to pay improvement district assessment was NOT marked and we never received or signed form, TREC 53-0, which is stating we are aware of the XXXX.

With not having the full disclosure of the XXXX, it has caused us to go into loss mitigation with our home due to the XXXX  not being fully disclosed and being hit with back taxes and causing an annual increase in our home. 

On XX/XX/2021, HB 1543 was the new legal requirement on all property sales in Texas. PROP 5.014 notice of obligations related to public improvement district, which requires that all sellers are to notify the potential buyers of any XXXX  that service the property. If we had been informed of this before purchasing the house, we would have backed out. 

We also attempted to seek help or legislate a change to the following : XXXX XXXX XXXX XXXX XXXX XXXX, Congresswoman XXXXXXXX XXXX office on this matter and have since filed a claim with our title company but was denied because in one line in the tax section at closing it just says XXXX  nothing else is stated. And by all accounts of Texas state laws, we were not full information or disclosed about the XXXX  and no forms as outlined were signed by us agreeing to the XXXX. 

Our issue can not be fixed, other than following in suite with our Lien Holders programs ( Loancare LLC. ) as well as the VA 's programs. But the VA should put a restriction/modification into veteran home loans when a Veteran is purchasing a home that has a XXXX  within its development or property that the full XXXX  amount be included into the loan so it will be paid in full at closing or that the Veteran can have the XXXX  escrowed into their monthly payments throughout the duration of the XXXX  itself. If we were given any of these XXXX options, we would not be in the process or a Forbearance.