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

The CARES Act prohibits creditors from reporting payments as past due if a valid arrangement was made while the account was current. These protections apply to agreements between XX/XX/XXXX, and 120  days after XX/XX/XXXX. 

In XX/XX/XXXX, Mercedes-Benz Financial ( Account No : XXXX ) inaccurately reported a late payment on my credit report, despite my compliance with a valid payment arrangement under the CARES Act. At the time, I was hospitalized battling XXXX while managing underlyingXX/XX/XXXXrelated health issues. My account was current before and after the arrangement, yet the inaccurate reporting continues to harm my financial reputation. 

This violates 15 USC 1681e ( b ) and 15 USC 1681i, which require credit reporting agencies to ensure accuracy and conduct reasonable investigations into disputes. Additionally, under 15 USC 1681s-2 ( a ) ( 1 ), creditors can not report late payments without the consumers consent, further supporting my claim.

Under 15 USC 1681n and 15 USC 1681o, I am entitled to damages for these violations. 

I am requesting : Immediate correction of the inaccurate reporting and updates sent to all credit bureaus.

Monetary relief of {$1000.00} for statutory damages, along with compensation for harm caused. 
Please confirm receipt of this letter and provide written confirmation once the requested actions are completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a call to  XXXX  and experia n In rega rds to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to  XXXX  and experian they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX   2017  ).
Product: Vehicle loan or lease

I am purchasing a motorcycle and the payments are set at XXXX. I have made each payment within the grace period each month. My payment amount has been XXXX dollars. My intent was to have the extra money applied to the principal. However that has not been happening. I first noticed in XX/XX/XXXX. I called the company United Finance Co and asked that my additional funds be placed on the principal. They told me they were.. however I was looking at my XX/XX/XXXX statement that was less then the monthly installment. I didn't ask for a supervisor but one came on the line. He continued to tell me that my funds were being placed on the principal however could NOT explain why my statement was less then the installment amount. His resolution was to send me an amortization letter that I never received. When I called in the next month to make my payment, the agent that took the call reiterated the company position that my funds were applying to the principal even though I was looking at yet another statement that was even less then my installment. She did send an amortization schedule that I did recieve.and yet again my next monthly statement reflected an even lesser amount due then the previous.
Product: Credit card

A fraudulent account was opened in my name by Synchrony Bank/Care Credit. They allowed the opening of this account without contacting me, even though I already had an active account with them. When I protested the account, they removed it from my credit reports, but did NOT remove the hard credit inquiry associated with the opening of the account. I have called their fraud investigative office XXXX times since XXXX, 2015, and yet they have still not removed the fraudulent credit inquiry. I contacted the credit bureau today and was told that only the creditor can remove the inquiry, even though the credit bureau has record of the fraudulent account and an initial fraud alert was added to my account immediately after the opening of the account. Why ca n't inquiries be disputed the same as other mistakes? What recourse do I have when the creditor is uncooperative and/or incompetent and my credit suffers as a result?
Product: Checking or savings account

i HAVE CONTACTED AMERICAN EXPRESS FOR ALLOWING A CRIMINAL TO TAKE MONEY FROM MY XXXX CHECKING ACCOUNT. THEY RESPONDED THAT THEY REVERSED THOSE CHARGES AND THAT XXXX IS IN CHARGE OF THE FUNDS NOW. HOWEVER XXXX IS SAYING THAT AMERICAN EXPRESS DID NOT RETURN THE FUNDS DUE TO TIME LIMIT ON RETURNING FUNDS. 
MY XXXX CHECKING ACCOUNT # XXXX WAS USED FRAUDULENTLY TO FUND AN AMERICAN EXPRESS ACOUNT # THAT WAS NOT MINE AND I DO NOT KNOW.
Product: Debt collection

I spoke with & Paid XXXX ( Diversified Consultants ) {$380.00} settle amount on X/XX/17 at number listed XXXX. Although, this bill has been settle and paid It is still showing on mt credit report. I just do n't understand why do I keep getting the run around when I call to see who can help me get this removed because Diversified Consultants states the account has been closed since the payment went successfully and that the credit companies have not updated the information on there in. I was blessed with the money to do my part but noone wants to do there 's. I have attached the receipt from the payment I made & the confirmation letter that was sent from Diversified Consultants stating that it was paid.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX XXXX noticed a suspicious charge of {$280.00} from my Citibank checking account from a XXXX XXXX XXXX XXXX XXXX XXXX. I immediately reported the fraudulent charge but it was denied based on the fact that the charge was made with my pin and I stated my card had not left my possession. I have never been to XXXX state or any other state beside XXXX XXXX in more than 2 years. On XX/XX/XXXX, I filed a new fraudulent complaint on the same transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

XX/XX/2020 {$3500.00} I emailed cashapp repeatedly. I filed a police report and disputed the charges with my bank. I did not get my money back.
Product: Debt collection

Today, XX/XX/2023, i recieved 4 phone calls from Lamont, Hanley, and Associates XXXX. Received XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( on my work phone ), and again at XXXX XXXX on my cell phone.
Product: Credit reporting or other personal consumer reports

New evidence!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX RE : Supplemental Evidence of Identity Theft Account XXXX Dear Kikoff Lending LLC Representatives, I am writing to provide additional evidence supporting my claim that account XXXX was fraudulently opened in my name as a result of identity theft. I received a letter from XXXX XXXX, which confirmed after their investigation that I am a victim of identity theft. XXXX XXXX has verified that the account in question was opened fraudulently and has released me from any responsibility for the account. 

This conclusion aligns with the findings of the XXXX Police Department ( Incident Number : XXXX ), the Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ), and the actions of both XXXX and XXXX, which have already removed the fraudulent account from my credit reports. Despite these credible and consistent findings, Kikoff Lending continues to dispute my claim and has failed to provide any verifiable evidence to substantiate the validity of this account. 

Your reliance on irrelevant factors, such as my email address and phone number being used in the application process, is both insufficient and misleading. Possession of stolen credentials does not prove that I authorized the account or participated in its creation. By contrast, I have provided extensive evidence, including : 1. XXXX XXXX investigation findings, confirming identity theft. 


XXXX. XXXX Police Department Report, documenting the fraudulent account. 


XXXX. FTC Identity Theft Report, listing the account as fraudulent. 


XXXX Credit Bureau Actions , with XXXX and XXXX removing the account due to verified fraud. 



Demands and Legal Implications You are now the only entity continuing to report this fraudulent account, in clear violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 6 ) ( B ) : Prohibits furnishing information to Credit Reporting Agencies ( CRAs ) once notified of identity theft with supporting documentation.

15 U.S. Code 1681s-2 ( b ) : Requires furnishers to conduct
Product: Credit card or prepaid card

I have been in USA two times as XXXX student ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXXDuring first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXXSecond trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXXFrom XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about DISCOVER BANK account which was open ( according to XXXX  credit report ) XXXX XXXX, XXXX with a credit limit {$4500.00} and current balance XXXX $ .I have never apply for Discover credit card/never received and never use ANY of Discover Bank credit cards. I physically lived in XXXX-it 's no way for me to used this card. I called Disvover fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.
Product: Debt collection

I have been working with origin creditor to get this account resolved. I have spoken to XXXX XXXX, on behalf of XXXX XXXX, we established that the last four of my social security number XXXX is not the same as the social security number that is on this account. How can the credit company the account was sold to have something different from the original creditor. Also, on my credit report this account is listed as open in XX/XX/XXXX when in fact XXXX XXXX said this account was open in XXXX. How is this not fraud? 

I gave XXXX XXXX the last four of my social security number approximately on XX/XX/XXXX and a few days later my last four of my social was put on here by PRA how ironic, now XXXX XXXX is investigating because they explained to me that my social is not the one that is on this account and they do not understand how PRA has something different from what they have provided in their systems. They do not understand why PRA even have the social ending XXXX when they assured me it will go no further than there fraud department investigation after I supplied it to them. 

This is fraud, bullying, and harassment and something needs to be done for I will not stop fighting for my rights. And I have the right to clear my name and social security. And that is exactly what I am going to do with facts. I will not stop until they remove this account off of me for it is not mines.
Product: Mortgage

Our loan was sold ans XXXX XXXX to another mortgage Servicer effective XX/XX/XXXX. Since the transfer our loan data has been constantly changing. Our first request for change was reported to Mr Cooper response letter dated XXXX ( uploaded ) the response shows that a correction was sent to the credit bureaus to restore the account to the XX/XX/XXXX status. After that update letter, we have documented well over 30 changes to the account that directly affected what was being reported to all three credit bureaus. We also noticed that the changes varied between the three bureaus, to later discover that the changes were being made to the Closed Account keep our credit score below a level to Refinance away from the new mortgage holder. Our last request to correct the various and ongoing changes is recorded in Mr Cooper response letter dated XXXX ( uploaded ). That letter also indicates that changes were requested from the three credit bureaus, with the last letter asking us to wait 5 days for the changes to appear on the credit reports ( " Please allow the credit reporting agencies five ( 5 ) days to complete the update '' ). To this day the reports and data on at three of the credit bureaus are still varied from one to the other, and not one is showing that any of them was restored as the letters stated to the before XX/XX/XXXX transfer date. These request were done through Mr Cooper 's website. We also sent request my mail earlier and request were made before XXXX of XXXX but soon after there are more than 20 recorded changes. Our XXXX XXXX account alerts us every time our credit score changes, and that along with a couple other services has informed us that these changes were being made, but what puzzled us was that the account was showing " CLOSED '' and based on what we're told by the credit bureaus, an Closed account should never show payment or history changes. To also find out later that the ongoing changes to the credit files prevent the scores to be correct because of the timed algorithm system. So even if they finally and really restore the accounts, it's too late to get a fair and correct credit score. The question becomes why is our data constantly being changed to keep our credit score below the refinance threshold. And they have also added information to the reporting that should not be there ( see attached uploaded - XXXX negative data removed ) look at account type : .. " including purchase money first '' a line that should not be on on loan that could have never applied to a XXXX XXXX , and was never showing as such in any of the credit reports before the transfer. When asking one of the credit bureaus about that comment, we were told it is a very negative thing to have on a credit report and later research explains why but should never be associated with a XXXX XXXX loan. We are tiring with trying to get Mr Cooper to correct this problem. We're told to report this acting to the CFPB before taking other steps. It appears this may be an problem others are also experiencing.
Product: Checking or savings account

chase bank is not telling me why i cant open a checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am corresponding regarding the INQUIRIES section of my consumer report. After reviewing my consumer reports today, I do not recognize any of the following inquiries listed. Furthermore, I can not find any record that gave them permission to pull my credit report, or to report my information to any 3rd party, thus making them unauthorized.

UCC 1-201, 18 USC 1028a ( a ) ( 1 ) ( c ), 15 USC 1681d , 15 USC 1681c-2 , 15 USC 6802 ( a ), 15 USC 1681b ( 2 ), 15 USC 1681q, As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. I do not wish to have a fraud report to be placed on my reports. 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 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 

As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. 

I do not wish to have a fraud report to be placed on my reports. Should I, in the future, wish to have a fraud report on my account, I will do this myself. 

Should this deletion not occur, please respond to me within 30 days citing detailed and specific reasons for not deleting each line.
Product: Credit card or prepaid card

Monthly I have been manually making my payment and I did not have access to online to see the history. BBVA Compass continued trying to make the minimum payment out of my closed BBVA Compass checking account and then charging me a returned check fee for their checking account for their credit card, these charges were in excess of {$25.00} per month. They states I did n't " qualify '' for a fee refund since it was autopay even though I had requested three times ( XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ) for the auto pay to come out of the account I provide them when I call into make a payment. They stated that someone internally must of made an error ( XXXX at BBVA Compass on XX/XX/XXXX ) and that who knows how they processed it but " management '' would have to decide whether they would refund the returned check fees for their own checking account autopays from their credit card. This has to be illegal?
Product: Checking or savings account

I opened an account on  XXXX / XXXX /   2017  with Citibank using my  XXXX  number. They opened the account and I funded it with a transfer from my neighborhood  Credit Union  account. Everything was fine, they sent me a welcome packet, a card and some checks. They  one  day I was unable to use my account. Then I received an intent to close letter regarding my newly opened account stating they had received information from  XXXX    XXXX    XXXX  and that they  XXXX   XXXX   XXXX  was going to close my account. They said in the letter Dated  XXXX / XXXX /   2017  that I needed to step into a branch to close the account, or they were going to close it within 10 days of the date of they letter. I had transferred over {$2500.00} into this account, and Even opened up a  CD  with them at this point. They also stated in the letter that no more deposits were going to be able to post or debits. A week later a transfer that I could not cancel that was set into action before I knew of the closing was deposited into the account, yet I can not get any of the funds out and they still to date  XXXX / XXXX /   2017  have not closed the account. I have spoken to them on the phone and all they tell me is I need to call  XXXX   XXXX    XXXX   and they will be the ones to issue of the check with the balance of the closed account.
Product: Student loan

I was XXXX years old when I applied for this loan, I was under the impression that this was the best loan for me because I was unable to qualify for federal student loans. 

Once I started repaying my loan my repayment amount was about {$650.00} a month. I was unaware the payments would be so high because I was never told what the monthly repayments would be. 

Due to financial hardships I spoke to the lender, XXXX XXXX, and was advised that my only options to repay the loan were to 1 ) defer the loan 2 ) declare bankruptcy I had to defer the loan 4 additional times because the payment amount kept rising. I spoke to XXXX XXXX on repayment options and they advised me that my only option was to declare bankruptcy. 

Due to the lack of repayment options from XXXX XXXX, the loan is now 3 months overdue and I am in a worse financial situation then I was when I graduated school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank ( XXXX  ) is still putting 30 day lates on my credit and Im not late they are hurting my credit score and Im trying to use it to accomplish something I have never been late I need this removed asap!!! Company lied and stated they would have lates removed and they havent they actually reported a new 30 day late for XXXXand a payment was made on time