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

I have disputed the duplicate listing twice now and have tried with XXXX  and the company to have the duplicate removed. The company has refused and XXXX  did nothing to investigate the duplicate.
Product: Credit reporting or other personal consumer reports

Equifax Has been reporting false late payments on a previous mortgage I owned for several years. I have disputed these false late payments multiple times. The original false late payments were during the time of the mortgage. Neither Equifax nor the mortgage company, XXXX could verify the false late payments. Instead of Equifax deleting the false late payments, they rearranged the dates of the false late payments. Equifax is now reporting false late payments in XX/XX/XXXX and XX/XX/XXXX when the mortgage was closed in XXXX. This is impossible. I reached out to XXXX corporate to ask them for help correcting this manner. I have enclosed the email XXXX sent me stating they will reach out to all XXXX credit bureaus to ask them to remove the false late payments. Both XXXX and XXXX have deleted the false late payments. It has been 52 days since XXXX contacted Equifax and 45 days since I contacted Equifax. Equifax has failed to delete these false late payments. These false late payments are preventing me from buying a house and I need them deleted immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions TransUnion consistently response within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of Investigation. 

This are the account that I've marked as inaccurate : Fingerhut/WebbankCLOSED Fingerhut/Webbank ( Revolving ) Accounts - negative accounts - closed - Summary XXXX XXXX, Charge-off TransUnion XXXX, Charged off as bad debt XXXX XXXX, Unpaid balance reported as a loss by credit grantor Balance {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX Usa ( Revolving ) Accounts - closed - Summary XXXX XXXX XXXX XXXX Pays account as agreed TransUnion XXXX, XXXX XXXX or paying as agreed XXXX XXXX, XXXX Account paid satisfactorily Balance {$0.00} {$0.00} XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX summary XXXX XXXX Account Number XXXX XXXX TransUnion XXXX XXXX Account Number XXXX Collection account XXXX XXXX XXXX, XXXX Account Number XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Current Balance {$550.00} {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections - summary Account Number XXXX Agency Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX XXXX Unpaid Comments Consumer disputes this account XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections - summary Account Number XXXX XXXX Original Lender XXXX Unpaid Consumer disputes this account information, XXXX  TransUnion - XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Unpaid Consumer disputes this account information, XXXX  TransUnion - XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information XXXX By Consumer Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX
Product: Money transfer, virtual currency, or money service

" Pay Pal XXXX XXXX '' has not released my funds when they said they would be available on 3 separate occasions. All donations received " on or before the XXXX of the month '' are supposed to be released " on the XXXX of that month ''. When this didn't happen the first time, they told me I " didn't validate my bank account in time ''. So when I fixed that alleged error, they said " there would be a special payout on the XXXX of the following month which was to include all of the previous month 's donations ''. When this didn't happen I called back to receive another excuse saying that they are " having issues with their back end pay outs ''. Whatever that means. Then the next month on the XXXX I received a random amount of funds that was not even close to the amount that they owed me. Their excuse this time, is that " the back end payouts system was changed and that put them behind and I should receive the rest of my donations before XXXX ''. Each time I call, I am placed on hold/on the phone for at least an hour, as the " Pay Pal XXXX XXXX '' has no direct line. Due to this, they make you wait on hold for a representative that can not help you only to be transfered to the correct department and wait on hold even longer. Most of their representatives don't even know what you're talking about and are unable/unwilling to help. There are no definites in their answers either, just vague maybes and open ended dates. They even tell you there is no direct way to reach their department. What they are doing is operating under the guise of " helping '' non profits, but what they are really doing is holding their money illegally, breaking their promises/comittements, all while taking their fees off of the top to ensure they get paid. I think they use the donations to their own personal benefit and simply do not have the funds available on the day they are due. This is criminal and they should be stopped and shut down ASAP.
Product: Prepaid card

I found XXXX dollars of fraudulent charges. Called Direct Express they shut off card took 17 days to get a new card. The paperwork took even longer to get to me. With the new card they were suppose to put money lost back on card for me to use. They didn't do it. The money taken was every XXXX I had. Today when I called they said the money won't be returned til XX/XX/XXXX XXXX! I've had more problems with direct Express. I need my money. I'm on XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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, credit repair services, or other personal consumer reports

Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. As an example, EQUIFAX is reporting, non compliant information on derogatory accounts, such as consecutive months reporting " 30 days late '' ( which is impossible ), six months of charge off reporting, balances on charge offs, etc. This is without adequate legal standing, in full accordance with the credit regulation compliance standard and laws. 

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

Ref account number XXXX ALLY Finance. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however ALLY reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however XXXX reports, they can not correct the inaccuracies because ALLY verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/2020. This was the second time ALLY reported late payments in XXXX. Both times affecting the score on my reports. 
ALLY also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. ALLY reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.
Product: Mortgage

XXXX XXXX XXXX XXXX several mortgage companies ... mine started with XXXX XXXX and was sold within 30 days to Bayview which in turn sold it within 30 days to XXXX XXXX XXXX  ... I made 2 payments 1 ) for {$1500.00} to XXXX on XX/XX/2019 and 2 ) for {$1300.00} on XX/XX/2019. On XX/XX/2019 they sold the acct to Baview with a suspended transfer amount of ( {$1300.00} ) and transferred amount of {$150000.00} bayview says it transferred at origination amount of {$150000.00} then they applied the suspended amount of {$1300.00} which brings the amount to {$150000.00} ... .I noticed the double payment within 7 days and started to get it resolved with both XXXX and Bayview ... it has now been approx 8 weeks, 10 calls, numerous explanations given, some helpful most not and still not resolved ... they made me get the paymentment history ... which XXXX XXXX services both company 's ... then said they could request it ... emailed all proofs on XX/XX/2019 called XX/XX/2019 ... and still not resolved ... I have a letter dated XX/XX/2019 they have sold the mortgage to XXXX XXXX XXXX ... interesting on date of letter and when proofs were sent to them ... in the meantime they are saying to make payments as usual though they will have no penalties for the next 30-60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed account information : deemed as fraudulent. Actively preventing the true owner of this identity embarking on important verified business expenditures.

please return my credit to an acceptable state in order for redemption. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed this situation to my attorney and TransUnion is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. TransUnion, XXXX, and XXXX  are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX-2024. After reaching out to the cashapp escalation department. I was given this number by a cashapp agent to have a previous case rectified. I was told to call this number ( XXXX ( XXXX ) XXXX ) and ask for XXXX. So I did. XXXX began to help me, by asking me to download a screen sharing app so I did. He then starts to walk me through getting my case resolved and my money back from being previously scammed. He asked me to go to the last person that sent me money. A friend XXXX XXXX who in turn was with me at the time. So he asked her to open her cashapp and enter several various numbers for a verification code. He then tells her to press pay after every set of numbers but insist the money would not be taken out of her account and that it was just dummy numbers. And insisted this is the process cashapp takes to get customers their money back. In total {$2900.00} he made her send as dummy codes and swore it would not come out of her account. He told me I had to change the bank card on file in order and cash out to the new bank card he gave me to get the money I was scammed out of back. Afterwards she became irritable and Leary of the situation in which she told him she could no long enter dummy numbers and pressing play because she got a text from her bank that her card would be locked. So he tells me he needs to finish the verification process and that he needs me to scroll down my cashapp and he asked to finish the process with another friend. So I got another friend on the phone XXXX XXXX, in which he had her send {$850.00} dollars three times, using the same line it wont come out of your account its for verification only. In total she scammed her through me {$2500.00}. I had no awareness of any of this. He asked me if I could get another friend to finish verification and it was then I called him a scammer and he began to say he wasnt he wasnt and that he was getting in contact with his cashapp boss to inform them the verification could not be completed. And that he would call me back. He hung up I called back 2 minutes later the number was disconnected and I and my friends were scammed out of {$5500.00}. He used a cashapp maamegyi! I will show documents below
Product: Credit card

Hi, I was late with a payment for my Capitol one credit card. They charged me a {$40.00} late fees. I called them to explain that they can't charge more than {$8.00} because of the law passed XX/XX/year>. She said no argued there was no law and that even if I call back and ask for a different manager they wouldn't help me.
Product: Credit card or prepaid card

COVID-19 arrived. I wrote a nice letter to Capital One, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees on my Quicksilver credit card. 

They are still charging my account for payments, interests, and late fees.
Product: Credit card

On XX/XX/year>, a payment in the amount of {$50.00} was paid through my XXXX checking account to Concora Credit as a payment for my Destiny credit card account ending in XXXX. This payment was a Retry payment through the XXXX checking account because the initial payment that was made on the Destiny website on or about XX/XX/year>, did not go through. This Concora Credit Retry payment was made on XX/XX/year> and debited from my checking account. It was never returned by XXXX after the XX/XX/year> payment was made. Concora Credit stated that the XX/XX/year> payment was returned. This is false. I sent them my checking account statement showing that it was paid on XX/XX/year> and never returned but they refuse to credit my Destiny account for this payment. 

I made a second {$50.00} payment to my Destiny account on XX/XX/year> on the Destiny website for which I was credited but I never received credit for the XX/XX/year> Retry payment. 

My Destiny statements show only one {$50.00} payment on XX/XX/year> but do not show the {$50.00} payment made on XX/XX/year>.
Product: Mortgage

The Mortgage Company has completed 2 loan modifications for me previously. Both increased my mortgage payment which I was having a difficult time being in first place which is why I feel like requiring the loan modification. After the second loan modification I feel behind almost immediately. Shortly after that Covid started And somehow I was put on the forbearance program. I continue to make monthly payments in some cases more than I could when I get afford it trying to get it got it. I was told this year 2021 that they were increasing my payment again because the escrow a short. The escrow was short because I fell behind on my payments not because it wasnt right in the first place. On XX/XX/XXXX they sent me paperwork to do another loan modification which I really do not want to do. I told them this because each time theyve done on my modification for me I have been screwed over and I have to pay a higher monthly payment. The loss mitigation department told me that they would except partial payments to try to help me get this caught up as quickly as I could while I contemplated doing the new loan modification. They excepted payment of {$1600.00} which was processed on XX/XX/XXXX. I called back today to try to make another partial payment of {$500.00} and just set up a partial payment for next Friday of another {$500.00} and then to schedule another {$1600.00} by the end of the month. But because customer service group has refused to connect me to last mitigation. The customer service group continues to tell me that I have to make at least Two payments which will be over {$3000.00} or they can except no pain at all when I try to explain to them that Ive already spoken to Loss mitigation twice this month, they tell me that lost medication can do nothing to help me and they just keep telling me I need to make a payment of {$3000.00} just get it caught up 30 days behind. I would like for the loss mitigation department to contact me and to except my partial payments as Im doing everything I can to catch my mortgage loan up without having to do another screwed up screwed modification. I would not recommend this mortgage gauge company to anyone they do nothing to help people and all Im trying to do is to get my payment caught up which fell behind because they increased my mortgage payment and my interest-rate when they did a loan modification. Please have someone call me from the money source preferably may be a lawyer or somebody from last medication so I can start making these payments. 

Customer customer service department refuses absolutely refuses to connect me with loss mitigation. 

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

i have disputed this item and it still hasnt been removed, ive been waiting fr response
Product: Checking or savings account

Hi, Ive been a victim of fraud and over {$50000.00} was stolen from my bank. The bank denied my claim and closed my account. The name of the bank is Bank of America. This is going to severely affect me as Ive done nothing wrong. Please help as Im out of luck. This was all my savings
Product: Debt collection

I had an account with XXXX  for a phone bill. I entered into a payment agreement with them and paid by automatic payment. In XX/XX/2022 they contacted me and told me if I paid then {$120.00} in XXXX and XXXX that the debt would be resolved. I paid them the money thinking that in XXXX the account would be paid off. In XXXX I got a phone call from Source Receivables Mgt. saying that I owed over {$300.00} for this same bill, that XXXX refused to settle and I needed to pay them. I have never received any written communication from Source Receivables Mgt, But on XX/XX/2022 I paid them {$50.00} and asked for something in writing. The lady told me all she could give me was a confirmation number, so I took that. So last week I went to send them another {$50.00} and that's when I found that they reported the account to the credit bureau, even though I was paying on this account.