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

by law my XXXX XXXX m/c is not reporting to no one When did XXXX XXXX not report? 
FCRA violation
Product: Vehicle loan or lease

I will continue to file complaint until NISSAN acknowledge their get rich scam by charging over {$500.00} in late fees. Loan is paid off and they sent notice to pay within the next 30 days as my XXXX mon contract will end/ I have called and asked for a manager and they have failed to call me back or respond to me. they have been charging me XXXX dollars a month in late fees. the late fees have racked up to XXXX. They refuse to remove them and they refuse to remove them during covid. INITIATIVE TO SAVE AMERICANS BILLIONS IN JUNK FEES -- CFPB ... these are junk fees! increasingly charging inflated and back-end fees to households and families. This new fee economy distorts our free market system by concealing the true price of products from the competitive process. For example, hotels and concert venues advertise rates, only to add resort fees and service fees after the fact. And fees purportedly charged to cover individual expenses, like paperwork processing, can often greatly exceed the actual cost of that service.Clearly-Fees that seemed too high for the purported service
Product: Debt collection

This company contacted my mothers employer, my mothers personal phone and cell phone, contacted my girlfriend. When I asked what this was about they refused to tell me what debt they were collecting on, I never received notice by mail, and they were very belligerent and rude to me, threatening litigation without informing me personally of where the debt originated from. Now I have negative remarks on my credit report, I disputed them, and they denied my disputes, and disputed back.
Product: Credit reporting or other personal consumer reports

Experian is reporting my account as closed. XXXX is reporting my account as closed. 
XXXX is reporting my account as OPEN. 

I told all XXXX credit agencies to remove the account because XXXX is not the same. Its been open for over 8 months after the account was closed. 

XXXX is cheating me. They wants to close the account instead of removing it from my credit report. I have proof of everything. 

The account is XXXX XXXX XXXX  loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont understand how this Account XXXX XXXX appeared on my credit report as a charge off when the account isnt mine. No proof according the FCRA was sent to me for verification. 
I disputed and they took no action
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my mortgage provider during covid 19 to indicate that I was unable to make payments as scheduled. I was approved for a XXXX in XX/XX/XXXX and was told it was good for 6 months. In XXXX of XXXX, I called again and I was told I had several options for repayment. I could repay everything I owed all at once ( ( I was unable to do this ), I could go on a repayment plan or I would lose my home, the last option was to extend the forbearance. XX/XX/XXXX I extended the forbearance and was told it was good for another 6 months. XX/XX/XXXX, I called the loan provider and was only give the option of a repayment plan so I began the process of trying to figure out what was needed. I was told I would be called with options and or it sent in writing. No one ever called so I called again and was given these terms ; XXXX down payment and monthly payment would be XXXX for 12 months as the mortgage was XXXX. I began the payment plan in XXXX of XXXX. I then realized that my loan had been reported as DELINQUENT for 120+ days. I called and asked why this happened and was told the loan would be reported as delinquent for over a year. I asked why this was never told to me and furthermore if I was on a repayment plan why would this be reported. I received NO response. On XX/XX/XXXX, I noticed that loan was closed, I called again and they indicated the loan had been sold but yet they are still reporting a loss on my credit report. I was under the understanding that the government had indicated that loans and mortgages would NOT be reported as a loss. I have been paying the loan back so not sure why this is happening. Please assist me as this will affect my score for the next 10 years. As many in the world, we have all been affected by COVID and my intentions were never to NOT pay and I have resumed paying my monthly payment of XXXX and an additional amount of {$1800.00} so I would not lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same information on my credit report was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent n numerous request to Experian about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX XXXX  XX/XX/2021
Product: Checking or savings account

Good Afternoon : I am writing to register a complaint against Wells Fargo. I am a XXXX who is paying back loans and working part time weekly doing contracting work as I am trying to find a full time job. There are days when the paycheck I make is in transit just in time to my Wells Fargo account for bills. Even though the money transfer is deposited on the same day, Wells Fargo immediately charges a {$35.00} overdraft fee for each transaction. Over the past year, this has added up to {$770.00}. This has put me in some tough situations as I am  already living paycheck to paycheck. On many, many occasions the overdraft fees ( for each charge ) have cut into my paycheck so deeply that the amount in my account is then insufficient to cover the bills and I incur even more overdraft fees. It 's become very difficult to keep my head above water and only recently have I even become recent on paying my credit cards on time. I am a young adult who has a damaged credit score- who is both working as much as possible ( often 20 hours a day ) - with these incidents- I am not able to With the money and the transactions happening at the same time, it seems unfair for me to be charged immediately- as I have no control when the bill is pulled from my account and when my paycheck is deposited. I thank you for your review of this situation and I appreciate any help you can provide. I am providing details of deposits and corresponding overdraft fees to show correlation.
Product: Mortgage

Ocwen  Mortgage has failed to cancel my PMI, or even respond to the request adequately. The only response I have received is that they received an unspecified request and will evaluate i t ( n ot even mentioning the actual request ). No response since then.   
I understand the CFPB is already pursuing Ocwen on man  y levels, I just want to join the cause!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX. Date Opened : XX/XX/XXXX XXXX XXXX : {$2400.00} Late/Open XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have tried calling - never get to speak with an actual person. Everything to order the Free Credit Report based upon Credit Denial is very confusing. When I tried today, I had to enter everything either by responding verbally or by phone keypad, received my confirmation number but it then just kept repeating. THERE IS NO MEANS WHEN YOU CALL " To speak with a representative ''. What 's even more disturbing Equifax appears to make the requestor think they have to pay for the credit report - no mechanism to decline - then you have to hang up and start the phone call all over again. I believe Equifax is attempting to mislead someone like myself into paying for what I am legally entitled to for free. As a XXXX it is particularly disturbing and it is my request that the Consumers Finance Protection Bureau take action against Equifax for making is tremendously difficult for people to obtain their free credit reports.
Product: Money transfer, virtual currency, or money service

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. To also add, 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 problems caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

False advertising of services received. " Affirm '' ILLEGALLY reporting loans to credit bureaus. Per their own contract & FAQs... They wouldn't report the types of loans acquired. ( Pictures include details of loan dates, amount, stores ) they did not acquire my permission to report such information. 

Affirm clearly states TWO types of loans will not be reported ( before, during, after ) both types being zero percent interest. 1st type is 4 biweekly payment. 2nd type is 3 month no interest. ( My loans are all the 2nd type, 3 months with zero interest ) I tried multiple times for them to remove information from credit reports. Their response is " it is in the agreement signed '' they can/will report information. Even when bringing up facts from their own website ( they refuse to accept it as true and remove the information ) management stated they can do so if " other options were available '' ( no other other options were available. Loan type/length prohibited reporting ) also " I can not provide you with this information, I'm unable to do so '' I see it here on my screen along with your loan agreement ( refusing to provide both proofs. = If other options are available for " manager '' accessibility then that can be forwarded to consumer = broken record. I am unable do do so. No PDF, screenshots, other type of documentation... ) On credit report where reported it is physical harming credit score ( mainly, lowering " average credit age '' = being only neutral fact on my report = reported as 6.5 years vs 10 years as seen on there reports and models )
Product: Credit reporting or other personal consumer reports

My morgage transitioned from XXXX XXXX who received my final mortgage payment before the transition to XXXX XXXX. This " XX/XX/XXXX '' payment was made late XXXX. So I did not send my XX/XX/XXXX payment to XXXX XXXX ( I did this under direction of XXXX XXXX ). XXXX XXXX did not account for this in the transition and they have stolen my mortage payment. Otherwise XXXX XXXX after numerous calls and a formal complaint submission by myself with banking transactions, continues to regard my automated timely payments as LATE. This has resulted in XXXX credit report penalties and my score has dropped XXXX points. I have been promised this accounting will be resolved however they still keep ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get XXXX three bureau credit report with credit score product online and paid successes fully but their system unable to get report from one credit bureau " Experian '' blocked my accesses unable to get credit report and score from them. I called XXXX customer service and they tried their end and they are unsuccessful to resolve matter. They give me Experian Credit bureau number which i called many times until i got customer representative and i explained why my report blocked, she looked my account and other information and tried it but she is unsuccessful also and only she told me send free credit report and look and match all item is correct then call us again until then. I want to know what went wrong they blocked my reports? What reason i am not getting reports? i tried Experian product too but same reason i can not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUNDING, a debt collection company, is reporting a late payment of {$1.00} when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts. ) They have been doing this monthly to lower my credit score on my XXXXXXXX XXXX.
Product: Bank account or service

On XXXX XXXX, 2015 my attorney sent a letter ( XXXX, confirmation attached ) to Arvest Bank disputing the validity and terms of an negative entry they were reporting to all major credit bureaus. I have never done business with Arvest bank and have asked for verification from Arvest many times over the past year. This time I have paid for attorneys to get involved. I have repeatedly asked Arvest bank for 1 ) Copies of all written contacts and agreements of the parties ; 2 ) Anything signed by me, XXXX XXXX ; 3 ) Documentation of performance by Arvest Bank ; and 4 ) all business records of Arvest Bank, concerning the alleged debt. As of this date XXXX XXXX, 2015, I have never received ANY communication, nor validation of this fraudulent account from Arvest bank despite my documented and repeated requests. 

On XXXX XXXX, 2015 I sent a second request for validation letter to Arvest Bank ( XXXX confirmation attached ) again stating my original request from XX/XX/XXXX that has not been responded to for validation of this fraudulent account. I included copies of the original letter as well as copies of the signed delivery confirmation to their offices. Of course I have still not received ANY response from ARVEST bank. Not only has ARVEST bank refused to provide me with the evidence I lawfully requested in my previous letters, they have violated the FDCPA by continuing to report incorrect and unsubstantiated information on my personal credit report. This activity has been HIGHLY injurious to me. 

I am requesting IMMEDIATE retraction of all negative information posted by ARVEST bank on my personal credit reports that ARVEST bank is reporting to all major credit bureaus and to be forever removed from my credit record with all reporting agencies, as well as to have them send me a letter stating that this is account is closed in their offices and will not be sold, transferred, or in any other way be collected on again either by ARVEST or any other company. 

I am also going to pursue this issue with the FTC and the Texas Attorney General 's Office about ARVEST 's clear and continued violations of he FCRA and FDCPA.
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute significant discrepancies in the reporting of my XXXX account ( # XXXX ) across all three major credit bureaus : Experian, XXXX, and XXXX. The inconsistencies in the reported information have led to a negative impact on my credit profile, including an unjustified 30-day late payment. These inaccuracies not only misrepresent my financial behavior but also violate several provisions of the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit reports and compensation for the potential damages caused by these reporting errors. Below, I outline the specific discrepancies and the relevant FCRA provisions that support my claim. 

Discrepancies Identified XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Balance : Experian : {$79.00} XXXX : {$55.00} XXXX : {$55.00} XXXX. Last Report Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Issues and Impact The discrepancies listed above are not minor clerical errors but significant inaccuracies that reflect a lack of diligence in the reporting process. The differences in the Date Opened, Balance, Last Report Date, Date Last Active, and Date of Last Payment create an unclear and misleading picture of my creditworthiness. Moreover, these discrepancies have resulted in a reported 30-day late payment, which I firmly believe is due to these reporting errors. This incorrect late payment has unfairly damaged my credit score and financial reputation.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The evident discrepancies in the reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, XXXX, and XXXXregarding one of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report. Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of validation on several occasions from the collections company  XXXX  (   XXXX   XXXX   XXXX   ) and also from Equifax and   XXXX   once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on Equifax and  XXXX . Equifax and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.
Product: Checking or savings account

on XX/XX/year> I walked into a Bank of America Branch to make a wire transfer to The XXXX XXXX. I provided the information to the banker and she seemed unsure about how to enter the information on the system and went to check with her manager. She came back telling me everything was good and the wire was sent. I did not ask for the money to be sent in the local currency but she said the bank converts it automatically. I found out XXXX weeks later that the banker enter the wrong swift code in the system. Instead of sending the wire to XXXX XXXX the wire was sent to XXXX XXXX XXXX in the local currency. The manager tried to fix it by sending a message to the receiving bank to make the correction instead of sending the money back. XXXX days later I still didn't have my money so the wire was recalled and I still do not have my money. It has been a month and the manager says she doesn't know when or if the money will be back. I am desperately waiting fpr my money and It's not fair for me to loose my money over someone else 's mistake. The amount of the wire is XXXX which I borrowed over my house so that I can make a payment in the XXXX XXXX. Today no one has an answer for and I don't know what to do. I tried calling the wire department and they have me wait for a long time with no answer. The manager doesn't know anything either. I need all my money back. Please help.
Product: Debt collection

PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls