23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have tried to call and visit Bank of America to get my new checking account setup to pay my credit card bill multiple times and have not gotten clear answers on how to pay my bill and been stuck on hold for extended periods of time trying to reach various agents as many were unable to resolve this issue. I could not set up my account on the website or app because it stated my account was ineligible for bill pay. When BOA agents finally were able to help get my payments working I was then hit with a late fee and told that it can not be removed even though the reason for the late fee being assessed was because I was unable to add any payment method due to error on the bank 's side.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year> someone has used my personal information to apply for an Auto Loan. They tried multiple institutions using my information.
Product: Credit reporting or other personal consumer reports

We have a electronic withdraw on our mortgage payment each month on the XXXX of every month. My spouse changed the date to the XXXX of each month. 
In XXXX, the mortgage company, Freedom Mortgage, pulled BOTH payments from our account, causing our checking account to be overdrawn. We contacted the mortgage company when we discovered this error. The mortgage company, Freedom Mortgage, acknowledged that it was their fault and would refund the XXXX payment. 
It took 10 days of phone calls ( everyday ) that the funds would be refund - tomorrow. After 10 days, I requested to speak with an associate in escalation. The payment was refunded. Then a week later, the second payment was refunded ( which was not our request ). 
We then made the XXXX payment. The mortgage company, Freedom Mortgage, informed us we were 30 days late and charged a late fee ( which was negated ). The mortgage company, Freedom Mortgage, filed a report on our credit report for being 30 days late. 
We have never missed a payment. But with the mortgage company 's mistake ( fault ), it caused our credit scores to drop considerably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XX/XX/XXXX. with no change. I recently sent another letter in XX/XX/XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries, and inaccurate personal information listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries and inaccurate personal information remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries and inaccurate personal information which are still showing on my report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Due to inadequate customer service unfair practices which violates the Customer Financial Protection Act ( CFPA ). 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 Resolution E. These actions have cost significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I contacted the XXXX ( XXXX ) major credit bureaus ( XXXX, XXXX, and XXXX ) to dispute two ( 2 ) entries regarding a Bankruptcy. The courts stated they do not report to any of the credit bureaus. The credit bureaus stated the entries were verified by LexisNexis. I requested the entries be removed and was directed to LexisNexis. I contacted LexisNexis seeking deletion from all XXXX ( XXXX ) credit reports. LexisNexis refused explain the process they used to verify the bankruptcy entries.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact : ( XXXX ) XXXX SSN : XXXX File Number : XXXX Account Number : XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Deletion of Paid Collection Account To Whom It May Concern, I hope this letter finds you well. I am writing to dispute the accuracy of information reported on my credit file regarding a collection account attributed to me. According to my records and attached documentation, this debt has been fully settled and agreed upon for deletion with the creditor, XXXX XXXX XXXX XXXX. 

Please find attached a Paid Loan Letter from XXXX XXXX XXXX XXXX, confirming the settlement and deletion agreement of the said collection account. This letter serves as conclusive evidence that the information currently being reported by your agency is incorrect and not reflective of the current status of the account. 

Account Details for Reference : - Original Creditor : Snap Finance - Collection Agency : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$0.00} In light of this, I respectfully request that you review the attached documentation and proceed with the immediate removal of this account from my credit report. The Fair Credit Reporting Act mandates that accurate and up-to-date information be reported. Given that this debt has been paid and an agreement for deletion was reached, continuing to report this account negatively impacts my credit score unjustly.

I appreciate your attention to this matter and look forward to seeing the necessary corrections made promptly. Should you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and understanding. 

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

I strongly urge you to eliminate this account from my credit report as it is not associated with me, and I'm sincerely disheartened by its inclusion. I implore the company to expedite its removal from my credit history.
Product: Credit card

My credit card company was offering a 12 month promotional 0 % balance transfer offer. I applied for an recieved a {$3000.00} balance transfer ; there was a 2 % fee, but there would be no interest on the {$3000.00} for 12 months. 
I continued to use this credit card for purchases. 
I paid off the entire balance of my new purchases However, the credit card number assessed me an interest charge on the entire balance, stating that " you can not pay off only your purchase balance in full each month to avoid interest charges. If any part of the balance is carried forward into the next billing cycle, even at 0 % APR, the entire balance is considered to be a revolving balance ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My car wss stolen took without permission and was involved in a car accident at the time i had XXXX insurance full coverage they were suppose to evaluate and look at my car at the tow yard and never did. Lobe financial also made me purchase gap insurance which is double coverage they were suppose to cover whatever my insurance didnt i had a lawyer send a letter they took it off then put it back on my credit as a charge off after i disputed it with XXXX  i want it off my credit because it is not accurate
Product: Credit card or prepaid card

I apply for secure credit card with capital one. payment was on TIME every month. 
capital one decide to close my account and keep my secure deposit, I called several time for my security deposit to be refunded capital one gave me the every excuse in the world not to refund my security deposit back, now since the account is closed capital one still reporting the account to the credit bureau is like this account is still open. I just received a bill stated that I have a payment due for XXXX XXXX. Attch below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Trans union dropped my credit score 100 points after I paid a credit account down to 3 %. XXXX increase my score by 20 points on XX/XX/21 and so did XXXX. I contacted trans union on XX/XX/21 at XXXX to report the mistake. But the people there said it dropped because I filed a dispute. Your credit score can't be dropped because you file a dispute. I filed the same dispute with the two other credit bureau. And my score increased. I tried to explain that it was a mistake and please correct it. As if today it hasn't been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the information they have requested of me for over a month but they still will not remove the freeze from my reports but they still have not done it. This causing me to not be able to get credit to help build my credit up. 
I have send them copies of all my id 's and all the other paper work they have requested of me. 
Please help me to get this matter resolve soon as possible because the bank can not issue me the loan they have approved me for. 

Thank you XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified unauthorized accounts on my credit report that I did not open or approve. This appears to be a case of identity theft. Despite previous communications about this issue, these inaccurate accounts remain on my report, causing me significant stress and XXXX  These fraudulent entries do not reflect my true credit history or financial management capabilities. Dealing with this situation has been extremely difficult. 
If we can not resolve this promptly, I am prepared to take legal action to protect my rights and find a resolution. The presence of these erroneous items is a major problem, preventing me from achieving crucial financial goals like purchasing a home and providing for my family. I urge you to rectify this issue swiftly by removing the unauthorized accounts from my credit report. I sincerely hope we can reach a resolution soon.
Product: Vehicle loan or lease

I have a loan that I co-signed for my daugher in NJ. Last year she moved out to NY state and needed to change her registration. We've been trying to get the bank to mail the title to XXXX since XXXX of this year. her registration expired last month, now the car is in the garage and she is using XXXX to get to work and school every day. I placed countless calls and requests. Every time they tell us that the title was mailed to the XXXX but every time we go to dmv they say that nothing came in. I requested the title to be shipped XXXX or XXXX and was denied. We just need the title so we can change it from state of New Jersey to State of New York. I really don't understand what is so hard with this request. I've been calling them but every time I get the same answer, the request has been processed but nobody can give me confirmation or tracking for the package.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



1. they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX  XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed 2. they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) 3. they refuse to accurately report open installment accounts payments in 30 days 4. they have closed current installment accounts and not reported current payments 5. they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over 5. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX of XXXX. Venmo frozed my account with a remaining balance of {$7200.00} Its XXXX of XXXX! Four years later my funds are still frozen on the same account Venmo closed and hasnt issued my funds.
Product: Payday loan, title loan, or personal loan

To whom it may concern : 1. I took out a payday loan with your company, and I must have misread the agreement. 

I thought that they wanted 10 payments of {$130.00} on a {$1000.00} loan. 

2. So far, I have made five payments of {$130.00} each. 

3. I had thought that that would have been about $ XXXX just a little over half of the amount that was due. 

4. When I spoke to customer service today, they told me that of those {$650.00}, only {$9.00} had gone to interest and there was still a principal balance of {$990.00}. And the total payback is meant to be over {$4000.00}. On a {$1000.00} loan 5. I have spoken to my bank to stop payment on all future Bank drafts until we come to a conclusion about a more reasonable interest rate. 

6. it does say that we can talk to the tribal authority in order to do this, but if they're acting in the capacity of mediators then once they issue a decision it will be binding. 


7. I have spoken to the cfpb, and the answer that the company gave me was that they had tribal immunity from lawsuits. 

8. After I did further research, I found that the second Court of appeals has ruled against XXXX XXXX XXXX claims of sovereign immunity and that they must follow the state law of the jurisdiction in which they lend. In this case, it is Wisconsin. ( Docket Nos. 16-2019-cv ( L ) ; 16-2132-cv ; 16-2135-cv ; 16-2138-cv ; 16-2140-cv ( Con ) ) 9. we probably have a few ways going forward at this point, and tell me which of them you would like : a. The firm could just sue me and send a representative and we could work this out in the district court. 

b. We could work the agreement to be what it appeared to be, which was 10 payments of {$130.00} each. 

c. The firm could turn it over to a collection agency, in which case they would not be able to collect any of the money because courts can not adjudicate an agreement in which one of the parties does not come in to the situation with clean hands. 

Please tell me the path that loan at last would like to take to resolve this, because there will be no further disbursements from my checking account after today 's stop payment order. 

I'm refiling this exact message through the cfpb so that it will be a matter of record all of our communications. 

XXXX XXXX Sent from XXXX Mail on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed an account from XX/XX/2020, from XXXX XXXX XXXX, stating I had a balance of {$150.00} past due when the account was paid in full on XX/XX/2020. I contacted the credit company, and she stated she would make the credit reporting company know about the issue. It yet has been updated. This issue looks very bad on my credit report.
Product: Credit reporting or other personal consumer reports

I am victim of XXXX XXXX and requesting this information that is a direct result of the XXXX be removed from my credit report
Product: Mortgage

Since the beginning of the year, every single mortgage payment weve tried to make to Bank of America has been misapplied as principle curtailment. According to XXXX from payment research, Bank of America has a new system. Lets assume youve made your XXXX payment on XXXX. Your next payment is due XXXX. If you try to make your XXXX payment prior to XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, depending on the month, Bank of Americas system will not credit your XXXX payment ; rather it will automatically post it as principle curtailment, regardless of the directions enclosed with the payment ( either on the check or online ). Once the payment is misapplied, it takes Bank of America weeks to correct their mistake ( current wait time for payment received XX/XX/XXXX for payment due XXXX to be applied to XXXX payment is XXXX ). Assuming that what XXXX said was correct ( that the new system will only apply a payment beginning on the XXXX, XXXX or XXXX of the month for a payment due the first of the following month ), we effectively have a one week window during which we can successfully pay our mortgage by the due date. In the past, we could pay our mortgage up to 60 days in advance of our due date. As of this year, we have contacted Bank of America every month for six months to attempt to resolve this ongoing problem with their new system with no resolution in sight.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities. According to the FCRA, unverified accounts must be promptly removed. 

If you are unable to furnish verifiable proof, the accounts listed below must be removed. 

I request immediate verification that the below accounts were NEVER PAID LATE. On These accounts should be reported as PAID AS AGREED, with NO LATE PAYS. or removal of the following accounts : Creditor : Account # : Late Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 



1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. Did not consent to unauthorized inquiry. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX**** Please remove this account from my credit report 3. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 



1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



Sincerely, XXXX XXXX