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

This is a request for assistance with Experian, XXXX, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX  XXXX  Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

Credit acceptance corporation was notified by myself about a voluntary repossesion on a vehicle that my husband had and he was not paying on. I told them where the vehicle was and where to pick it up at. Credit acceptance continues to call me numerous times all throughout the day asking me to pay the remaining balance on the vehicle to keep it. I again explained to them that I had already previously called them and wanted them to repossess it. I explained once they get the vehicle and auction it off then we can discuss settling whatever balance is owed. Credit acceptance has continued to call every day and even called today XXXX XX/XX/21 XXXX on a Sunday, which is considered a XXXX  holiday for me.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing issue with the late opening of my accounts, as well as the presence of late closures and charge-offs on my records, despite multiple attempts to rectify these errors. 

Despite my previous communications with your company, wherein I detailed the discrepancies in my account records, I am disheartened to report that the issue remains unresolved after this attempts. 

I must emphasize the urgency of addressing these issues promptly and effectively. Therefore, I request the following actions to be taken : Immediate correction of the late opening of my accounts, ensuring that they are accurately reflected with the appropriate opening dates. 
Thorough review and removal of any late closures and charge-offs that are inaccurately attributed to my accounts. 
An explanation of the root causes behind these persistent errors and a commitment to implementing measures to prevent similar occurrences in the future. 
Compensation for any damages, losses, or inconvenience caused by the late opening of my accounts and the presence of inaccurate late closures and charge-offs on my records. With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX. XXXX XXXX XXXX  XXXX Balance : {$35000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX Balance : {$56.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX. XXXX XXXX  XXXX Balance : {$16000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

I am formally requesting that you DELETE this account listed below from my credit report immediately from all credit reporting agencies! 

CHASE HOME FINANCE LLC XXXX I 'm in receipt of your letter dated XXXX XXXX, XXXX an attempt to validate this dept and your right to report this on my credit and still expect a payment on this CHARGED OFF account. 
Please note that your letter, loan note and payment history is CONTRADICTORY to your statements set forth in this letter you send me for XXXX XXXX, XXXX Following are inaccuracies, misrepresentations and wrongful information provided by you and I will be forwarding these supporting documents as evidence of your wrongdoing to the CFPB immediately! 

1 ) Letter dated XXXX XXXX, XXXX AND XXXX XXXX, XXXX addresses Customer names as : XXXX XXXX and XXXX XXXX ( me ). HOWEVER, copy of the note for the loan YOU provided lists XXXX XXXX and XXXX XXXX XXXX ( not my name ). WHY OTHER OTHER BORROWER 'S MORTGAGE NOTES ARE BEING SENT TO ME ... ... .... 

2 ) Payment history you sent lists XXXX XXXX with different address then you previous responded with, and NO XXXX is listed anywhere on this payment statement. 

3 ) Your letter states that loan is charged off with a balance of {$50000.00} STILL DUE, HOWEVER, the payment history you provided clearly shows that you Charged off the full balance, issued a XXXX, which left the outstanding balance of {$0.00} BUT you STILL ACTIVELY TRYING TO COLLECT ON THIS ACCOUNT. I find this illegal! 

4 ) Mortgage statements you sent dated XXXX XXXX, XXXX show XXXX XXXX as the borrower XXXX XXXX WAS NEVER ON THESE MORTGAGE STATEMENTS THAT YOU 'VE SUPPLIED. 

5 ) WITHOUT A MORTGAGE NOTE LISTING MY NAME AND SS # YOU CAN NOT BE REPORTING THIS ACCOUNT ON MY CREDIT REPORT. 

6 ) WHEN ACCOUNT WAS CHARGED OFF AND XXXX WAS ISSUED, CHASE CAN NOT CONTINUE TO ATTEMPT TO COLLECT DEBT ON THE CHARGED OFF AND XXXX ISSUED ACCOUNT.
Product: Mortgage

Sent in documentation required to release insurance funds to XXXX XXXX protector, a subsidiary of Freedom Mortgage for an insurance loss. 

Documents were provided to me by Freedom mortgage on XX/XX/XXXX describing the requirements of the process. An inspection was completed by Freedom mortgage on my property on XX/XX/XXXX, and the project was at XXXX percent completion per the inspection. The total project cost was XXXX. Basic arithmetic gives you XXXX. XXXX XXXX protector sent me an initial draw of approximately XXXX. XXXX would be the difference. I have sent in all documents in a timely manner well before XX/XX/XXXX. 

On XX/XX/XXXX, I contacted proctor loan protector for an update. I spoke with XXXX, who advised me they would only be providing me with approximately XXXX XXXX  of the approximately XXXX total in proctor loan protectors possession. They advised that " they only send a percentage of the funds provided by the insurance ''. This contradicts the documents sent to me from Freedom mortgage which state " Freedom Mortgage Corporation will release additional funds based on the percentage of work complete. Work completion will be verified with an inspection. '' I have don't the inspection. The work is XXXX percent complete. The remaining funds should be released to me. They are directly contradicting their own process which was provided to me in writing on Freedom Mortgage letter head. 

On XX/XX/XXXX, on a recorded phone call, XXXX, who refused to give her location, gave me contradictory information once more regarding Freedom Mortgages process and rules regarding this process.
Product: Credit card or prepaid card

On XXXX XXXX my bill for {$50.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment.I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

When I was younger someone stole my social security number and tried to use it to obtain credit, my mom went to Experian and froze my account. I have tried for the last 4 years to get the freeze removed so I can start building my credit. every time I get my credit pulled it says that there is a lock on my credit. I have tried to contact Experian several times by phone as well as sent several letters in the mail, as per the instructions on the website. 
I get letters back that state there is no freeze on my credit, but again I go to get a loan, and they tell me my credit is frozen. back and forth I have done this for 4 years. I thought it was taken care of until just recently I went to buy a car, and they told me they could not access my credit. I have tried for the past 3 days to contact someone by email, phone, and website, with no luck. This has truly hindered my way of building credit stability. I don't know how a company of this nature can be so quick to not give any help or customer service at all. this is unacceptable!!! please try and help me get this resolved before someday I have to buy a house and can not get a loan for that either.
Product: Credit reporting or other personal consumer reports

The yr 2016 went to XXXX & XXXX to help with the process of purchasing a property which I believe was a nice price at the time. So I went through them for the purchasing procedure and was mislead my credit score started with and XXXX  when applied for the purchasing agreement then my score started going on down drastically found out that XXXX XXXX XXXXXXXX kept pulling hard inquiries own my credit report. Now I could not qualify because they're practicing predatory lending.
Product: Mortgage

You have already helped me with another issue that was cleared up with my existing loan. That was completed back in late XXXX. Thank you for your assistance. At the same time I had also reached out to my current lender for help with a loan modification. After speaking with one of the executives at Chase, XXXX XXXX, about my concerns, she informed me that it shouldn't be an issue and all I would need to do is fill out the appropriate paper work in which she included in her response through you in XXXX. They are well aware of my situation and that I already had my mortgage modified approx. 10 years ago when the market crashed. So that being said, I had sent them all required documents and paper work showing them that my situation had changed again and my income was less than last year. As per their request. I then just received a letter stating that I had only one option to short sell my house and they did not approve another loan modification because I had already received on back in 2010. That was the only reason why I wasn't considered. If I had known this I would have not had applied but no one ever informed me this prior to my efforts. Everyone at Chase was well aware of my situation especially because they had resolved another balloon payment issue from that modification. IS there anything you can do? I don't want to lose my house or have a short sell. I am paying my mortgage and not behind as of now but would appreciate if they would please be more flexible. The only other concern is that although I have my mortgage through Chase but it's owned by XXXX XXXX. 

Please let me know if you could help me again. 

Kind Regards, XXXX XXXX
Product: Student loan

My current lender is Navient, and my schools for undergraduate and graduate were XXXX University in XXXX, XXXX, XXXX XXXX in XXXX, XXXX, and XXXX University in XXXX XXXX, XXXX. Inhumanely, Navient has been calling me 8 to 10 times a day threatening me with default, but claiming to offer a suitable repayment plan that will avoid such action. When I return the call, I explain my situation : I am unemployed with health struggles that have left me XXXX to work for a certain amount of time due to, XXXX and XXXX. Despite this knowledge, as per their usual, they deny me a repayment plan. I have not once denied that I will pay, but their inconsistent influx of what is due has placed me in an emotional tailspin. Sometimes, they claim that I need to pay XXXX a month and can not go any lower, sometimes its is XXXX, and others times it is XXXX, causing me to assume that my payment really depends on whom they summon to their bidding. I have offered to pay each time, but they deny my money unless it up to par with their impossibly high demands. Sometimes these calls, are cruel and cold, as I am treated like a sap rather than an educated human being trying to avoid a lifetime of debt and credit destruction. They no longer offer me forbearance or deferment, nor anything type of assistance that can help me avoid default, despite their knowledge of my situation. When I asked for further information on my personal loan and what they have documented over it, they became distant and uninformative. I even struggled to get my username and password from them after I forgot it, and could not login. I have been placed in XXXX from this company that has veiled its destruction of me, and many others students, as helpful. They are cruel, cold, and calculated, and ignore my plights, despite having said that when I get a job, of which I am actively searching for, that I will pay more of what they desire, but can not do so right now and maintain livelihood. They have proudly announced, that despite all my efforts and attempts to comply, that I was not good enough, and they will charge me off. This information was told by my last Navient aficionado whom announced that the banks will buy my debt on a discount and really ruin me, as if I was to be grateful that a lesser evil is trying to spare me only according to its own whims from a greater evil.
Product: Checking or savings account

Discover bank cashed a check fraudulently through mobile deposit. Because of this I have not been paid for the month of XXXX.
Product: Credit reporting or other personal consumer reports

I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

P

er 16 313.15 Other exceptions to notice and opt out requirements. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX, XXXX AND XXXX.
Product: Money transfer, virtual currency, or money service

I XXXX out at a friend 's house on XX/XX/year> and her friend used my phone to send herself money. She has since blocked me. She sent herself {$2000.00}. The app basically told me I couldn't get my money back. 

I can't make payments when there is money on it due to " unusual activity ".
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to express my deep concern and frustration with Experian, one of the three primary credit bureaus, regarding the inaccurate reporting of my credit usage for the past year or more. I have diligently sought corrections multiple times without success, which has resulted in an unjust detriment to my credit score. 

Specifically, Experian erroneously continues to report an open XXXX XXXX card on my credit file when, in fact, this account has been closed. I have been in constant communication with Experian regarding this discrepancy, and every time I am informed that they have communicated with the respective company and updated the results. Regrettably, no actual changes have been reflected in my report. 

It's worth noting that I am currently in the second year of a debt consolidation program with Parachute Debt Consolidation, which mandates the closure of all credit accounts. This further underscores the inaccuracies in Experian 's report. Interestingly, the other two major credit bureaus are reporting my status accurately, not showing a staggering 64 % credit usage, as Experian does. 

Furthermore, during the unprecedented challenges of the pandemic, both XXXX XXXX and XXXX XXXX  XXXX XXXX refused to cooperate or offer a payment agreement, even as I faced significant financial hardship. Their stance has also added late payments to my credit report for several months, a reflection that does not align with my genuine efforts to make good on my commitments. 

My primary goal is to ensure that my credit score is a true representation of my financial responsibilities and behavior. It is disheartening that, despite my earnest efforts to resolve my debts and improve my financial health, certain institutions and entities are not supportive of this journey.

I appeal to the Consumer Financial Protection Bureau to intervene in this matter. It is essential for consumers to trust that the information reported about them is accurate and fair, especially when it has significant implications on their financial futures. 

I am seeking your assistance in ensuring that Experian corrects these inaccuracies promptly. It would be much appreciated if you could review this case and provide the necessary guidance to rectify the situation. 

Thank you for your time and consideration. I look forward to a swift resolution. 

Sincerely, yours, XXXX XXXX
Product: Credit reporting

XXXX is reporting to XXXX and Experian as current 120 and 180 days delq for an account that was charged off in XX/XX/2009 for both of us- XXXX and XXXX XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete XXXX rounds of dispute letters to both XXXX and Experian and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.
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 take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

I have XXXX XXXX XXXX XXXX. Both for XXXX I do not believe either of them go ever be used. 

Cant spend, cant check balance. Website looks very sketchy Number says backed by XXXX XXXX, but says no record of card when doing prompts. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX I cosigned a vehicle for a friend. We had a verbal agreement for him to refinance the car after making on time payments for 6 months to 1 year. The first contract that was created had fraudulent information furnished upon the documents just so that the loan will be accepted by the creditors. There was an error in the first contract it was not accepted by creditors so we had to go back and resign another contract to get accepted by another creditor. The second contract created also had fraudulent information furnished upon the documents so the loan will be accepted by the creditors which also shown up on my personal credit report which caused me personal issues with my landlord as far as income, income proofs like documents ECT. The second contract that was created also had fraudulent vehicle amounts and information because of that made the loan more than with the car was actually worth which resulted in higher loan, interest, and payments.The dealership also required a warranty protection plan that had to be purchased in order to get the loan to be accepted which was an additional {$2000.00} but it didn't cover anything that needed to be fixed or repaired on the vehicle. That {$2000.00} could have been used towards an additional down payment on the vehicle instead of getting the warranty which was a waste of money. Now 30 days to 60 days down the line things started falling apart on the vehicle and the warranty that was purchased does not cover the repairs for the failing parts on the vehicle.Here it is one year later payments were made on time for a total of 12 months and the creditor the dealership sold the loan agreement to does not have a cosigner release form. So if the cosigned fails to pay the car payments in the event of the car breaking down or having additional failing parts that falls on my responsibility I can not afford.I called the dealership and asked them to recreate the loan and resubmit to the creditor they denied. I contacted the creditor they claim they do not have a cosigner release form and I may be stuck in a fraudulent vehicle finance contract. The person I co-signed for refuses to address the issues with refinancing the vehicle so it is solely in their name after all of these fraudulent issues. I took so long to write a complaint because I didn't know who to report it to and how to go about the situation.