23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I mailed in dispute I highlighted two specific XXXX XXXX accounts that were not listed in my name along with date they were opened. Experian disputed and removed the one XXXX XXXX account that was NOT listed/highlighted and that reflect the date opened XX/XX/2021 and that was listed in my name having me listed as an authorized user. This account is and has been mine. Not only did it drop my score but now says I have no open credit and took my score of XXXX down to XXXX. I contacted XXXX XXXX and was informed twice that my account couldn't be reinstated because it was closed by a credit bureau. Spoke with Experian who told me they could not help me that XXXX XXXX had to request for reinstatement. I had XXXX XXXX to submit request. So far this has been a 30day process. A mistake that easily could have been avoided by checking the open dates I provided on original dispute I sent in this is causing me emotional distress.
Product: Debt collection

Diversified Consultants, Inc., XXXX, XXXX, FL XXXX sent a debt collection letter, XXXX/XXXX/XXXX, with 30 days to dispute debt. I tried unsuccessfully three times, XXXX XXXX, XXXX, XXXX, leaving two voicemail with contact name and number for a XXXX, XXXX, XXXX, along with calling XXXX. How can a consumer dispute the validity of a debt when there is no interaction from this company. As of this writing, I sent an email and will send a letter per USPS. 

Per XXXX, t am being charged for equipment which was returned, XXXX/XXXX/XXXX, XXXX, cashier XXXX, receipt XXXX, account XXXX, serial number XXXX, model TH, charged {$90.00}. 

Billed one month in advance by XXXX, service stopped on XXXX XXXX. XXXX, owing only 5 days of service. Since XXXX billed me one month in advance for service, I do not owe, in fact XXXX double-dipped with the first two of my initial billing, owing me : XXXX, {$86.00} XXXX, {$58.00} Billing dates overlapped by four days.
Product: Mortgage

I paid off my Mortgage on XXXX. On the day that I wired the final payment, I received an email from Arvest Bank that stated the taxes are next due XXXX and insurance is next due XXXX. On XX/XX/2023, I received a letter from the countXXXX treasurer stating that my real estate taxes were overdue. I immediately called Arvest Bank and voiced my concerns about their mistake. They told me they can't do anything over the phone and I would have to email them and make a formal complaint. I proceeded to email them on that same day and explained their mistake. I told them about the letter they sent me and how it states everything was paid. I also reminded them that interest is accrued daily on overdue property taxes so I would like this handled quickly. They responded to my email the next day stating they would have to forward this to their tax team. I never heard back from them, so I emailed them again on XX/XX/2023 reiterating that I have not heard back from them and to remind them again that interest is accrued daily on this overdue payment. Finally, on XX/XX/2023 they email me back and state it is not their responsibility to pay the taxes and that it is my responsibility to not only pay the taxes but also the interest accrued. What I would like to know is where did that money go from where they specifically stated that my taxes were paid until XXXX and also why am I responsible for paying not only the taxes but also the accrued interest due to their slow response time?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a recently opened account with no info Except company name on my credit report. I have never been contacted by this company no information, you try contact number is is voice mail that is full. I have had no business with this company or anyone they represent.
Product: Debt collection

Trying to collect an erroneous debt from XXXX XXXX. In XX/XX/XXXX, I had service from XXXX  for a whole three days. The service was terrible so I called and cancelled also returning all equipment. A month or so later, I start to receive calls from Sequium stating I owe {$120.00}. Told them repeatedly that there is no debt and I had cancelled the service within XXXX 30-day satisfaction guarantee policy. XXXX  even told me that my account was cleared and closed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to lack 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 resolutions 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: Debt collection

I stayed in XXXX XXXX in 2013 and was evicted out of the apartment at the end of the year I went to eviction court due to owed rent and was given a dead line to pay the apartment complex back. I wasnt able to do so, so I just moved out and now Im being charged over {$6000.00} for a small 1 bedroom apartment for charges I know nothing about when in fact I do owe for what the judge said about past due rent in eviction court, but never did the judge say I owed them in court over {$6000.00}.
Product: Credit reporting or other personal consumer reports

This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : 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 TRANSUNION 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
Product: Credit reporting or other personal consumer reports

These accounts are open without my knowledge. 
Please notify all credit bureaus of the illegal reporting. I have notified them all and the creditors to no response. I have attached a copy of the police report and they refuse to address these issues. This is stoping me from getting a home. 

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
Product: Mortgage

XX/XX/XXXX I purchased my current private residence and originally had XXXX mortgages ( first + second XXXX ) with " XXXX XXXX '' XX/XX/XXXX. 1st was for {$480000.00}, 2nd for {$120000.00} Within 1 year the 2nd mortgage was transferred to another lender and then both mortgages ended up with XXXX XXXX XXXX around XX/XX/XXXX. We had XXXX loans with XXXX at that point, a 1st and a 2nd. I still have the papers and XXXX loan numbers. 

XX/XX/XXXX my husband and I filed for chXXXX with the help of XXXX XXXX XXXX, discharged XX/XX/XXXX. We had stopped paying the 2nd XXXX mortgage around XX/XX/XXXX. We learned from XXXX that they charged off the 2nd mortgage. After the XXXX discharge we never heard about the 2nd mortgage again, no correspondence whatsoever. 

On XX/XX/XXXX we received a letter from a company called " Dyck O'Neal '' claiming possession of a lien against our property. 

On XX/XX/XXXX XXXX XXXX XXXX sent a " Qualified Written Request '' to Dyck O'Neal on our behalf. Until today there is no response. 

On XX/XX/XXXX my husband went to the XXXX recorder 's office to search our property 's records. He found out the following : 1. A record recorded with XXXX recorder on XX/XX/XXXX showing that in XX/XX/XXXX a transfer of 2nd mortgage from lender " XXXX XXXX '' to a company called " XXXX XXXX XXXX '' in Texas took place. These documents were recorded with the LA recorder 's office 2 months after XXXX XXXX XXXX had sent them the " Qualified Written Request '' Dyck O'Neal never responded to. 
Besides, to our knowledge XXXX XXXX could not have transferred this 2nd mortgage as the original 2nd had been moved to XXXX other lenders and it ended up with XXXX before our chXXXX filings in XX/XX/XXXX. 

2. Another record dated and recorded with XXXX recorder on XXXX/XXXX/XXXX showing a transfer of this same 2nd mortgage from " XXXX XXXX XXXX '' to " Dyck O'Neal, Inc. '' dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Dyck O'Neal similar to the letter they had sent in XX/XX/XXXX, claiming possession of a lien against our property. Again no response to the Qualified Written Request my attorney had sent in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Ally Financial incorrectly reported a late payment- despite my payments being automatically drafted. 

I disputed the incorrect information with Ally as well as the 3 major credit bureaus. As a result, Ally financial had the incorrect report removed from all XXXX bureaus. 

Unfortunately, in XXXX, the incorrect information from XXXX was placed back on my report with all 3 bureaus. This was the second violation of my consumer rights. 

I disputed the inaccuracy with all three bureaus in XXXX and XXXX, yet again. 
As a result of the aforesaid dispute, both XXXX and XXXX removed the inaccuracy from Ally Financial. 

However, XXXX did not remove the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- Experian XXXX Called and was stated to file complaint FTC XXXX incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and XXXX
Product: Money transfers

Pay Pal set up a credit line for my wife and I and we did not know it. At best they got us at checkout and XXXX of us thought it was just a verification. We did not know it until we started getting emails about our balance! I asked them to reverse the transactions and put them on our credit card like we always do and they said they ca n't do that. I not only upset about that but that we were signed up for {$4500.00} in availability I never wanted and I 'm sure it hit our credit history ... I want them to put the transactions on our credit card like we have done for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency Equifax are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several in accuracies on my account. 
This account is hurting my ability to obtain credit. Its my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items i am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lease a vehicle in XXXX of XXXX from XXXX XXXX XXXX. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from XXXX XXXX, XXXX XXXX XXXX letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I file this complaint with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. XXXX XXXX XXXXXXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Mortgage

On XX/XX/22 an inspection was done on my home. The result didnt come in until XX/XX/22 Along with many unreturned calls Its XX/XX/22 and no dispersement or calls have been made to me. 
I also recorded over a dozen of calls and filled a record book half way.
Product: Credit reporting or other personal consumer reports

My account was set to autopay for a loan and was scheduled to be paid off on XX/XX/year>. My final balance in XXXX was around {$92.00}. Because the autopay amount EXCEEDED my last payment due, rather than apply the payment and refund any overages or only deduct the amount necessary to pay off the final amount ( both of which are standard practice for most institutions ), PenFed 's system completely disregarded the payment, causing it to be late. I was under the impression that the account had been paid off. I later found out that it was past due, after which I called to make the final payment and the representative explained to me what had happened. She then apologized and reversed the late payment charges. 

Once I realized that this was reported to my credit report, I asked PenFed to reconsider in light of the fact that I had indeed presented payment to them on-time, which their system did not apply. As such, removing the late payment indicator on my credit report would not be inaccurate for the purposes of the FCRA ( as they stated in their generic reply ). Rather, based on this situation, I am being unfairly penalized for the shortcomings of their payment system. 

I received a generic denial from PenFed and when i asked to escalate the issue given the circumstances, I was told that a manager would call me to discuss. She could not provide a number or email to me. No one ever called. I resubmitted my request with additional information and received a quick reply stating that the issue could not be investigated because it had already been investigated previously. I had no option to speak to anyone or escalate so that the circumstances, which likely have negatively impacted many other customers, could actually be taken into account by someone with the authority to make a fair and equitable judgment call. 

PenFed has had several issues with their autopay system in the past ( e.g., random disenrollment ) and needs to work to improve their system so that these types of avoidable issues can actually be avoided. There should be no reason why, in XXXX, that an autopay system is unable to apply a customer 's payment because it is more than the amount that's owed on a FINAL balance. My credit score dropped from XXXX to XXXX after many years of being a responsible consumer and loyal PenFed customer due to this issue. I have no other late payments on my account. Yet PenFed seems to have no desire to do the right thing and exercise its discretion to remedy the situation and would rather lose a responsible customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. BK of AMERICA is in violation of XXXX XXXX XXXX as they have failed to validate the account they and XXXX, XXXX and XXXX are reporting while defaming my character. FDCPA XXXX misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.
Product: Debt collection

This is outrageous XXXX acct XXXX is making false complaints I was trying to fix this in different ways and keeping taking money for my direct payment bank account at the end I talk with some one to stop this and theyre ended with this complain when I own XXXX Ill go to find out how to stop this swindle or cheat thanks