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

From XXXX to present date my account has been in deferment status yet my account has been reported as delinquent ( 30, 60, and 120 days past due ) on numerous occasions although it has continuously been deferment status. In addition, a remark was removed ( Fixed Rate ) in XX/XX/XXXX. All of which adversely affected my credit scores by upward of XXXX points form XX/XX/XXXX to present date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit without my consent or knowledge. 4 times. They claim they did a soft pull then sent me denial letters. They have refused to correct this
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate accounts on my credit report listed below. 

Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have sent money through REMITLY for an instant transfer via gcash and was promised money will be available within XXXX, reference number : XXXX XXXX XXXX XXXX Transaction was done XX/XX/2023 but as of XX/XX/2023 @ XXXX, transaction is still pending. I have tried to reach out to them multiple times and have gotten the same answer currently in process, will take XXXX. They have also cancelled the transaction without my approval as of this morning when i followed up. 

I have attempted to talk to them multiple times but they have been very dismissive and rude. I hope this gets resolved soon. 

Thank you, XXXX
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

Hello my name is XXXX XXXX XXXX XXXX, I'm from XXXX XXXX, my PayPal Account was limited for a reason i don't know... it's so frustrating to lost money like that for 6 months. I have to finance my activities and I can't do without money at the moment. 

My PayPal email is XXXX. 

Please see into my problem and get me feedback thanks. 

My regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  # XXXX
Product: Vehicle loan or lease

Today I was contacted from Ally Financial about a past due lease payment. The last time I made my payment I believed I had enrolled in auto-pay. When I got the call today they said I was n't and was now past due. I immediately made the entire payment, but was notified that the credit hit would stay. They made no attempt to call me previously. I am in the middle of the mortgage process and this will put a tremendous hardship on me and my living situation. Extremely frustrating that a lapse in their communication and my auto-pay not being processed will have such a negative impact as all accounts are paid.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 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 deli
vered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION 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 provide
d.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block and remove all information appearing on my consumer credit report that has resulted from identity theft and fraud within four business days of receipt of this notice. The fraudulent and inaccurate information consists of several accounts and collections opened without my knowledge or authorization. 

These fraudulent accounts include : XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Opened on XX/XX/XXXX. 
XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Opened on XX/XX/XXXX. 
XXXX  : Opened on XX/XX/XXXX and XX/XX/XXXX. 
These accounts have led to several fraudulent inquiries and collections, which now appear on my credit report. I do not recognize any of these accounts or the inquiries tied to them. All of these fraudulent entries were not made, authorized, or initiated by me and are the result of identity theft. 

I have attached the following documents to support my case : A copy of my FTC Identity Theft Criminal Complaint ( Case Number : XXXX ). 
A copy of my credit report showing the fraudulent accounts and inquiries. 
A list of the fraudulent inquiries associated with these accounts. 
I demand that all of these accounts, collections, and hard inquiries be removed from my credit report and that all related collection activities cease immediately. I expect this to be resolved promptly in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. 

Thank you for your attention to this matter. If further information is required, please contact me directly.
Product: Debt collection

Subject : Opt-Out Request per FCRA Dear SouthWest Credit Systems I hope this letter finds you well. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am writing to formally exercise my right to opt-out of any and all authorization that may have been granted to SouthWest Credit Systems . This opt-out includes any permissions, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . 

I appreciate your prompt attention to this matter and confirmation of the successful implementation of my opt-out request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report.

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Debt collection

Hello I have a XXXX XXXX on y credit. I never went to college or co signed. This company threatened to ruin my credit if I didn't pay and they did. I don't understand XXXX. Please help im a immigrant trying to survive in XXXX. I cant even speak XXXX well. I had to ask someone to help me with this because I don't know what to do please help
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

My account with XXXX was never late! I have had exceptional payment history with 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 paymen t reported in 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Collection agency ( XXXX XXXX XXXX ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of Blatt, Hasenmiller, leibsker & Moore LLC. They sent me a notice of motion I do not know if it is legit or fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance {$700.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and XXXX, Transunion, and XXXX have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind XXXX, Transunion, and XXXX of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.
Product: Vehicle loan or lease

In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my " poor '' credit, I was told that they would definitely get me into a better car with better terms. 

On XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX  XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal. 

As I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was " upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, " what am I supposed to do with two cars? ". The salesperson said that I need to find a way to get rid of it. 

This situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan. 

This loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.
Product: Credit reporting

To whom it may concern, thank you for taking the time looking at my case. this fraudulent information that was reported to all credit services really cripple me as a consumer and my credit score I never was late with payment to XXXX this account was paid in full and all equipment was returned on time to them by ups in the mean time the way they place their XXXX on my roof they made halls and damage to my wall every month that I was getting a bill it was different we me and my wife had to be on the phone talking to XXXX for hours the inconvenience the damage to my credit report I will sue for damages and they had the right to get their atty with XXXX to put me in collection of course also they were removed conveniently from all credit bureaus because there was perfect record they should be ashamed what cable and phone companies do to consumers I like to see results like removing this XXXX from my credit report and something should be done about co. like this. and I have filled a report with all credit bureaus but nothing was done Thank you for your time and help in resolving this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated, XX/XX/2023, THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments.
Product: Credit reporting or other personal consumer reports

I did not consent these unauthorized inquiry. 

XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Bank of America keep sending promotional email to open small business banking and by maintaining $ XXXX balance for 60 days will receive reward {$500.00} or $ XXXX will receive {$750.00} and need to make 5 transactions, which I did. 

Unfortunately after going to the branch and calling the customer service, everybody always take note and said will do some research about it and never come back as if nothing happens. 

It is not fair that even until today Bank of America is still sending promotional email saying will give cash for opening account but didnt honor it after 60 days. 

The account is just checking account, no interest paid or anything and on top of that we have to maintain a big amount to make sure we can get the cash reward which then is not honored. 

It is very manipulating to entice a XXXX XXXX XXXX  to open account and maintain balance so that it looks like their business growing for the quarterly report but not honoring the reward. It is a manipulation. On top of that none of the customer service seems to understand what's the deal and always take note and promise to come back but never did. 

I felt cheated as it took me a lot of effort thinking to earn the reward but then seems like nothing and nobody care at Bank of America. It is a big company and we sound just a joke to them.