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

I have several store cards and one general credit card with XXXX Bank ( now XXXX XXXX ). I have paid them all on time and some in full or down substantially over the last few months. XXXX has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.
Product: Mortgage

XXXX was not accounted for and also the settlement charges are overstated. Including the overcharges for commission fees and utility fees.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Debt collection

I had a lease with my ex but i had to move out as the relationship ended. He handled the lease.but i went to the leasing department to get my name off the lease, Since then i have seen a XXXX follection on my credit report from a collection company but no one will send me a detail for what its for. Please help. That is way higher then it should have been even if i was on the lease.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : XXXX. Investigate this matter with the company listed above. 
XXXX. Remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the XXXX investigation period mandated by the FCRA. 

Thank you for your assistance. 

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

Hard inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Product: Credit card

I had a capital one credit card and I was in good payment with this company always I owed XXXX and they decided to close my account for no reason and now are trying to charge me XXXX which is ridiculous I am absolutely upset by this considering I have never had this trouble with this company
Product: Checking or savings account

I have CD Matured on XX/XX/year> and grace period until XXXX XXXX to close. Called Wells Fargo and they could not close account via phone even thought they could see it and tried twice. Options to close CD is go to branch in person, or call the phone number. 
Opening CD account was online - relatively easy, yet WF makes it difficult to close account upon maturity requiring to go to a branch in person and listen to sale people to convince you otherwise.
Product: Mortgage

I need to add additional information to an existing case ; Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect Inc. Account # XXXX, Account # XXXX I sent Americollect Inc. a dispute about the violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I DID NOT GIVE AMERICOLLECT INC. WRITTEN INSTRUCTIONS TO REPORT TO MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Easter Accounts Services are reporting a fraudulent account on my credit. I dont know what this account is as i never received services with this company. I am not responsible for the {$80.00} as the service werent incurred by be. Please remove this account from my credit. Please see the attached Federal Trade Commission report
Product: Student loan

The school closed down and I am not responsible for this loan I need help great lakes wont removed it. The school rip all the students off and we left stuck fraud school con artist teachers and loan departments
Product: Debt collection

My credit report was flagged from the company named " Zions Debt Holdings LLC '' I was never sent any information from this agency via email, mail, or phone. I discovered this from the credit report. I am the victim of identity theft and this debt is a result of fraud. This debt is in not in my name. The debt is in the name of " XXXX XXXX '' My name is " XXXX XXXX XXXX '' I am the sole owner of the social security number " XXXX '' I have never went by any other name, nor have I ever changed my name. I called Zions Debt Holdings LLC who confirmed the debt/collection was under the name " XXXX XXXX XXXX not " XXXX XXXX XXXX XXXX XXXX I informed them that the debt was not mine, and the debt was made under fraudulent premise using my social security number. I also informed them that I never had an account with the original consumer " XXXX ''. I also informed them that they were the XXXX collection agency trying to collect for a fraudulent debt. I have reached out to all XXXX credit agencies and added a fraud alert on my credit report. I have also uploaded a copy of my drivers license and social security card for verification. Zions Debt Holdings was not interested in resolving this issue and was dismissive.
Product: Credit card or prepaid card

I opened an upgrade cash reward credit card on XX/XX/2021, because I was offered a {$400.00} promotion if I did three transactions with the card. However, after the first billing cycle, when I did not receive the bonus, I contacted them. The representative assured me it would be credited to me after two billing cycles. After two billing cycles, when I did not receive the amount, I again contacted them and spoke with 4 representatives. The first person said I would receive it in three billing cycles. Then he emailed and said I needed to spend {$500.00} within a year to receive the promotion. I contacted them again and asked them about the new requirement of {$500.00}, but they could not answer and transfer to another person. In every conversation, they gave me different explanations. I requested them to send me a copy of their original promotion offer so that I can verify. Everyone promised during the call, but none of them provided me with the original promotion offer. Instead, they have sent emails with their own explanations. 
In summary, I feel that this upgrade cash reward is a false advertisement or they are tricking people like me in different ways. Furthermore, it is disgusting that my credit history was affected by their hard inquiry for this false promotion.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit file I did not make
Product: Credit card or prepaid card

XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 I submitted an application for the Apple Credit Card with Goldman Sachs and they continue to give a credit denial reason of me recently experiencing a charge off. I have not recently experienced a charge off and XXXX has verified that with me. XXXX has also shared that they will be submitting information to them about my application for reconsideration I assume. The most recent application from XX/XX/2021 they attempted to set me up with a program with them and it requires other stipulations before being approved but I refuse their program because I should not have to complete any program. The application from XX/XX/2021 should have been the first application approved. The denial reason of all applications came from XXXX. But as stated the denial reason is not valid. They complete soft inquiries on consumer credit reports for there credit card product of the Apple Credit Card. I contacting them about the application for the second time and after speaking with XXXX XX/XX/2021 they have confirmed that there is no recently charge offs being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : XXXX XXXX CO XXXX Balance {$10000.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$10000.00} balance indicating if it is a charge off account.
Product: Mortgage

I paid off my loan in full after closing on the sale of the home. The lender has confirmed receipt of the full payoff amount as of XX/XX/2021 and loan balance was confirmed as {$0.00}. The escrow balance has not been refunded to me as of XX/XX/2021. I have requested the refund 3 times but the lender is unable to trace status of payment or give a date of when payment will be issued to me.
Product: Credit reporting or other personal consumer reports

As per XXXX a dept of education servicer the XXXX loan was forgiven on XX/XX/XXXX. But did not get reported to the credit bureaus until XX/XX/XXXX. Someone needs to pay me {$1000.00} per month from each credit bureaus. Not reporting on time correct information. This has caused emotional stress and embarrassment. Per the United States code 15 USC 1681.
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 ( CFPB ). 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 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: Checking or savings account

I went to TD bank to open an checking account about a month ago and a few days later my first time trying to deposit a check from my place of employment but it would not accept my check so I just went and cashed it at XXXX the next day I got an email telling me to verify my account with my socials which I though I already did when I first opened up the account but I attempted to verify with my social card on the app but it didnt work so I had to come out to the bank again and thats when they told me that my account was closed due to fraud and that they couldnt do anything about it so Im just like XXXX XXXX I did, the only thing I can think about is they give you a check with penny on it to deposit but it doesnt even look similar to a real check maybe thats couldve showed up as fraudulent but I really dont know I never had anything to do with fraud this my first bank account ever trying to set up by myself but I know now Im not doing this by myself ever again
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

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

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review all attached documents for specific dates and examples of trying to resolve this matter. 

I notified XXXX XXXX XXXX XXXX that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, Equifax and XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. 

Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. 
The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. 

XXXX XXXX XXXX XXXX is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used fraudulently. I dispute the account and the debt attached to it. I have since filed a claim with the FTC and have the claim number to prove it. I want to inaccuracy removed from my credit file immediately. The report number with the FTC is XXXX.
Product: Student loan

I rested making payments of {$550.00} to Mohela on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX while Mohela was determining whether I had fulfilled my Public Loan Service Forgiveness commitment. 

On XX/XX/XXXX, I received a direct depositor {$1000.00} with no communication from Mohela that they're issuing a refund. They refunded only XXXX of XXXX payments. 

After Mohela stopped servicing PSLF loans, the phone number for inquiries about PSLF disappeared from heir website. I have tried calling another number to use theme to talk to a representative and gotten bounced around until requesting a call back instead of waiting on hold. Each time, somewhere in the process the call is disconnected. 

Mohela owes me {$550.00} and I have been unsuccessful in reaching customer service make them aware and resolve the issue.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items.