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

There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with TransUnion non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires TransUnion - XXXX XXXX. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. TransUnion has provided me a case number. XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX : account number : XXXX
Product: Debt collection

XX/XX/scrub>XXXX XXXX they been reporting and harassing me for the amount of {$1400.00} and I disputed this on XXXX XXXX which also is allowing them to keep reporting on my credit every month and updating. Fox Collection Center the debt collector never sent or provided me debt validation this is a form of identity theft
Product: Credit reporting

I disputed this information and submitted a police report as well as evidenced by the attached. 
Equifax continues to report accounts that are not mine ( XXXX & XXXX ) and an inquiry I did not make. It has been long per their attached status update and nothing has been done. This willful non-compliance is causing me difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax ; XXXX and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, ( NAME )-
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent accounts on my credit report. Please see attachment
Product: Credit reporting or other personal consumer reports

You guys are illegally reporting an open account as closed and a charge off when im still logging into my app making payments & have my car and never got any kind of notifications saying it's in collections, repossession, nor a charge off. On top of that it says I'm up to date with all payments as of XX/XX/year>. See attached.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXX 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 XX/XX/XXXX
Product: Mortgage

I am approved for the XXXX. They are paying 18 months of my mortgage. Every month they send the payment to my lender and my lender does not apply it to my account in a timely manner. The grace period this month is rapidly approaching and when I call the lender they continue to maintain that they have not received it. When I speak to the XXXX, they confirmed that the payment was sent this month just like it was the last 2 months. Last month it was applied only after I filed a complaint with this agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Remove a late payment I am writing to dispute a late payment reported on my credit report with XXXX  XXXX on XX/XX/XXXX with a balance of {$210.00}, I request that you investigate this matter and remove the late payment from my credit report as it was not a result of poor credit management on my part. Please provide me with a written confirmation of the outcome of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, SAGE STREAM, XXXX, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Product: Mortgage

PNC Mortgage Company withdrew funds from my account on a date prior to the date I agreed to on an online electronic funds transfer form. I received no online confirmation of my choice of payment options. 

When I requested that the funds be restored to my account I have was asked to provide a statement from the bank stating that the transaction was guaranteed. I did so. Funds were not restored to my account. 

When I called to inquire about the issue, since no one from the company contacted me to let me know there was a problem I was told all supervisors were unavailable until the close of business on the next day. 

The problem as I see it is that their online interface is faulty and did not allow me to choose the date I desired, instead reverting to their preferred date. I tried to correct this at the time I noticed the funds were absent from my account and still the selection reverted to their preferred date. A customer service rep had to change the date herself because my attempts did not work. 

I have been given the run around and still no restitution of funds.
Product: Checking or savings account

I have multiple accounts open with Peoples ' United Bank. I act as a fiduciary ( Conservator, Trustee, etc. ) for many people. I am an attorney. I also have both business and checking accounts open at the same bank. For some reason, the bank keeps linking my personal information to my fiduciary accounts, rather than my business information. Statements show my home address rather than my business address. I ask the bank to call me about something ; they call my home number rather than my office number. They send emails to my personal, unsecure email rather than using my more secure business email. I have gone in person to meet with a Vice President at a branch about this on more than one occasion. In XX/XX/2020, I went to the bank with a printout of all of my open accounts and asked them to correct the contact information. Today, I noticed an incorrect transaction on a Conservator checking account. I called the bank ; they asked me to verify the information on the account. It turns out that they still have all of my personal information on the account. I asked to file a claim about the incorrect transaction ; it will show my personal information, rather than my business information. Moreover, the Social Security Administration noticed this issue last year and asked the bank to correct my accounts. 
The bank refuses to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a bankruptcy on TransUnion and XXXX credit report. US BANKRUPTCY COURT NORTHERN XXXX Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I sent off a investigation letter to make sure all accounts on my report was thoroughly reviewed and 100 % accurate. 

The Credit bureaus stated Account Name & Account #. ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well Was properly investigated but how is that possible if the Open Date is inaccurate, The Account Type Detail is inaccurate.The Hight Credit is inaccurate.The date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ Account Name & Account Number ] has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to this bank to apply for a savings account and I was declined based on a chexsystems report with the following codes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called chexsystems customer service line to find out what do these codes mean they told me it was about fraud or fraud history. And that I opened alot of savings accounts but I'm in currently good standing with all my accounts. I do not understand why this is negatively reported on my report. I have never engaged in any fraudulent activity or have had issues regarding to fraud and bank accounts, so why is Chexsystems reporting this inaccurate information about me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ******* ( copied form the affidavit ) ******
Product: Money transfer, virtual currency, or money service

I

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.
Product: Debt collection

Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX
Product: Checking or savings account

My tax refund check was deposited into my chase account for XXXX XXXX XXXXXX/XX/year>. The bank expected fraud and closed my account. I gave all information that was asked from the tax professional and they will not release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts with synchrony bank for XXXX XXXX rewards, synchrony car care and care credit. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with TJMax for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?
Product: Debt collection

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : RESURGENT/LVNV FUNDING Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I mailed a credit dispute letter to TransUnion via United States Postal Service Certified Mail Receipt # XXXX on Friday, XX/XX/21 ( see attached document titled " TransUnion Dispute Letter XXXX XXXX. '' I received a response from TransUnion on Monday, XX/XX/21 titled, " TransUnion Investigation Results XXXX '' via United States Postal Service. The total time for the TransUnion reply was beyond the 30 days that the FCRA allows. 

Furthermore, TransUnion failed to conduct a complete and independent credit investigation as outlined in the FCRA. The attached document, " TransUnion Investigation Results XXXX '' shows that they did not conduct a full and complete independent investigation for the following items : XXXX - Acct # XXXX - Unverified Account XXXX XXXX DELAWARE XXXX Acct # XXXX - Unverified Account XXXX XXXX XXXX - Acct # XXXX - Unverified Account I have also attached my Proof of Identity Documents.
Product: Prepaid card

BACKGROUND : We purchase XXXX XXXX cards for our monthly dancers to use to buy dance classes and workshops at all the XXXX XXXX XXXX. Our dancers are international and it's easier for them to use a US-based card ( some don't take their card or they incur tons of fees ). US Bank issues our cards since it's my business bank. 

We put our cards in each dance studio 's app so we can buy classes, workshops, pop ups, etc. 

PROBLEM : We can't use our cards more than once at any dance studio all of a sudden. After one use now we can't use the card. It's declined. Our dancers miss out on master classes because the card doesn't work. This is HORRIBLE for my XXXX XXXX XXXX. I've had to buy the dancers their master classes/workshops so they don't miss out and have a negative opinion of my perfect record business. This is an addition almost double expense to my business because of this problem with the US Bank reward cards. 

US BANK : They say we are using it for reoccurring bills. They're dance classes, workshops, etc. at the same studio. They're not XXXX or XXXX reoccurring bills. Our dancers need the flexibility to keep their card in the dance studios ' apps to quickly purchase these classes at whatever studio they want before the classes sell out. Nothing is stated on their site and it clearly states - cards can be used anywhere XXXX  is accepted. I've asked them to provide where on their site it is CLEARLY and BOLDLY written. They refuse. Their site says ANYWHERE XXXX  IS ACCEPTED. That's a lie. They have a corporate rewards card number no one answers. You leave a message and hope someone calls you back. If one does after leaving XXXX messages, you can't call them back. Their customer service line is a waste of your time. They don't understand the issue and just don't care. US Bank needs new customer service reps who can grasp simple problems but are too cheap to hire decent reps.

The ONE rep that tried to help via email couldn't. Please see attached email thread.
Product: Debt collection

This company is continuing to report this debt negatively. The account was paid to the original creditor by my insurance company. There has been no verification to me regarding this debt. They have not provided any documentation to reflect what the services are that they allege were not covered by my insurance. The only information they have provided is a balance and the creditor, I do n't have an account number for this creditor. I do not have an account with this creditor and I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Product: Credit card

On XX/XX/2023 my account was closed they told me on XX/XX/XXXX XXXX decision was final and they permanently closed my account after that they said I had 30 days and a check will be in my mailbox and today is XX/XX/2023 and nothing has came or even been transferred to my account.
Product: Mortgage

I called Rightpath Servicing XXXX and spoke with XXXX who told me there was a hold on my foreclose and not to worry. I finally received the call back from XXXX to get legal advice. She told me my home has a court date and the sheriff came to notify me on XX/XX/XXXX, but I wasn't home. I believe she said I have a sell date of my home XX/XX/2023. Meanwhile I received a letter from XXXX stating pay XX/XX/XXXX. XXXX sent the total payment due on XX/XX/2023. I need this foreclosure dismissed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX. 

The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 


I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely