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

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX  , and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Checking or savings account

I send money weekly to my daughter. 
Today, out of nothing I am asked to called customer support to get a code. 
Citigroup with their unacepable practices, blocked my access partially to the account. Called to ask the reason, they refused to provide the reason, escalated and spoke to a rude manager, who refused to help. Then in order to use the account, code, they asked me for a secret word, that I don't remember. They were unable to help. unwilling to identify the reason, unwilling to provide information for a relevant complain. I believe, I am in the right as owner of the account to know the reason of such block, and second to access my account... they should have a secondary way to verify the user, wether it is sending a picture of ID, or asking more questions.
Product: Credit card

I have a Macy 's credit card, which I rarely use. As of XX/XX/2016, I had a {$0.00} balance and have not made any purchases on the card after that point. Earlier this week, I tried to make a purchase on my Macy 's credit card but was told by the store clerk that my card had been declined. When I got home, I logged onto my online Macy 's credit card account to figure out why my card had been declined. I discovered that Macy 's had been charging me a " {$2.00} minimum interest charge '' on a monthly basis since XX/XX/2016, and that, as a result, I had a {$6.00} past due balance. I ran some searches online and it appears that this has been happening to many other people who have a {$0.00} balance on ( and do not regularly use XXXX their Macy 's credit cards. I sent a message to customer service, since it 's almost impossible to get anyone on the phone. I asked customer service to ( XXXX ) explain the charge and ( XXXX ) remove the {$6.00} from my account. I have not yet heard back. I believe this is credit card fraud.
Product: Consumer Loan

I had a automobile repossessed in 2012. The company that held the autoloan keeps removing the account from my credit report and then a month later they add it back. This keeps changing the date the account was closed and pro-longing the removal of it from my credit report. It also negatively impacts my credit score. In some cases as much as XXXX points when they do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Given the ongoing concerns about Zelles dispute process, I urge you to review my case and take appropriate action to ensure fair resolution. I would appreciate a timely update on the steps being taken to address this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX TO WHOM IT MAY CONCERN, Re : Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Affadavit of truth/identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear I have been a XXXX XXXX customer since 2021 and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a " goodwill  '' adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to 2021. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of was robbed. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that your is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 


Sincerely,
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g and 15 USC 1681 ( e ) B. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX I have requested a XXXX form showing cancellation of debt that I have not received. This company also shared my personal information with a third party repossession company without my consent which is illegal according to 15 USC 1681a-2. According to NMLS Consumer Access, this company is not licensed to collect debt in my state or state of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ACCT 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 a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I hav sent a request Experian and XXXX to verify my accounts for inaccuracies and updates but they have not made the accurate changes or removals their were several accounts that needed to be removed or updated that has not been done. Please fix issue!
Product: Debt collection

After a detailed review of my latest credit report, I identified an account that I believe was added without my knowledge and is inaccurate.
Product: Credit reporting

XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.
Product: Debt collection

I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. PHEAA told me they can not talk to me. They told me I have to talk with XXXX. XXXX will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.
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 the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.

1.Account number XXXX XXXX XXXX XXXXXXXX XXXX Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX ( Doesn't Exist ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had voluntarily returned a new car. It was for a XXXX XXXX XXXX. I did in fact default on the loan due to my inability to pay the loan while pursuing my childhood dream occupation. This is my fault, I admit the fault and want to correct it. The remaining after the auction of the vehicle that was due and went to collection was {$2700.00}. 

In XXXX of XXXX after regaining financial stability and after spending and working 3 years outside of the country I attempted to repay the debt. I was told " you have exceeded the 999 days, the amount is DEBT LOSS and you will not be able to repay the remainder of what you owe. '' How is it that we live in the United States of America, the greatest country on earth albeit not perfect but a place that enables ALL people to build a life free from former discretion or social statuses and even from departing other countries. 

I want to correct my debt and pay what I owe? But I can not pay XXXX XXXX XXXX, I feel as if this is unfair and violates my constitutional freedoms because I can not correct my debt and free myself from a credit system enslavement. 

I have called and tried to pay this account on numerous occasions but XXXX XXXX will not accept my money. A bank that will not accept a hard working American 's money?
Product: Debt collection

Reached out to apartment complex about settling XXXX $ move out fee on XX/XX/21. They advised me to send them a check to clear the fee. 

Two weeks later the debt appears with a collections agency. Apartment complex tells me they made mistakes and that I need to actually pay the debt to the collections agency. 

I have disputed with my XXXX  who ruled in my favor. The apartment complex is refusing payment and the collections agency is doing an investigation as to whether or not the debt should be paid by me to the complex or the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a certified Method of verification request to Experian on XX/XX/2019. I've yet to receive a response or deletion of the inaccurate item posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has an incorrect account on my credit report that is not my account and proof of verification has not been submitted or provided, letter mailed to Transunion on XX/XX/2020. Account # XXXX is not my account.
Product: Mortgage

We were customers of  Greentree Lending.  In   XXXX  , our account was blocked when a payment was late. We called to try to pay it, and they forced us to fill out paperwork for a special mortgage rehabilitation program in which our mortgage could be brought up to date ( remember, this is ONE late payment ). Meanwhile, we continued to pay our mortgage each month, as they repeatedly " lost '' paperwork or had sent it to the " wrong department. '' The whole time, we were concerned about foreclosure, as even though we continued to pay, we now had  one  month of payment missing. They repeatedly assured us that they would not foreclose and that our paperwork was required, and it was just a formality. Meanwhile, unbeknownst to us, they proceeded with the foreclosure without notifying us. One day, we found a crumpled up piece of paper on our front porch saying that our house had been sold at auction the day before. We lost our home, and had done nothing wrong.
Product: Credit reporting or other personal consumer reports

My student loans with XXXX were discharged ( paid in full ) on XX/XX/23. XXXX, a CSR at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/2023. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Equifax credit report, the debt was not updated and continues to reflect a balance. I contacted Equifax and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Equifax and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Equifax did not update the account to reflect a XXXX XXXX balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Equifax again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Equifax, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay to update my credit bureau reports continue to impact my financial status and continues to report negatively.
Product: Mortgage

My original complaint number is XXXX. This was closed. I received an email from Navy Federal on XX/XX/XXXX that another appraisal needs to be done and I haven't heard from them other than thank you for your patients. I emailed them again on XX/XX/XXXX. Can you not close the complaint until the process is completed. I've been working with them on this since XX/XX/XXXX!!!!! 

Please help. Is there another agency that I need to contact that could help?
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and Experian, XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. XXXXXXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

XXXX showed my last payment as XXXX first 2018 XXXX and XXXX showed last payment as XX/XX/2018 A high credit amount was shown on XXXX as {$4500.00} While XXXX and XXXX showed high credit as {$4700.00} Date last active on all XXXX XXXX, XXXX, XXXX are all showing XXXX different dates. 


Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

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. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.