23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on Equifax and XXXX on XXXX & XXXX XXXX report date XXXX XXXX as of XX/XX/XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXX XXXX XXXX last reported on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Product: Checking or savings account

My account balance with   XXXX   XXXX   XXXX   was discharged in a Chapter  XXXX  Case #  XXXX  filed  XX/XX/XXXX  and converted to a Chapter   XXXX   XXXX   filed XX/XX/XXXX . To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Product: Student loan

I paid off a XXXX XXXX loan in 2010. I have all the paper work showing it has been paid off. However, every year I have a different company contact me about this debt. I have continued to forward the paper work ( including : bank statements, letters and account numbers, etc. ) all showing it has been paid. How do I get these companies to quit contacting me, when I have already settled the debt.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX 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: Checking or savings account

They closed my account. I tried to prove my identity and they still closed it. Chime banking account is the account they closed. I would like my money back and say forget that banking account they're screwy...
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I checked my credit report and seen I had a hard inquiry from a loan company called United Finance on XX/XX/2020. This doesn't make sense because 5 days ago I never gave authorization for this company to make any inquiries into credit. Nor was I seeking funding from this company for anything. I called the company today and they acted like I didn't know what I was talking about and told me to take it up with the credit bureaus. I'm currently disputing this to prevent fraud anymore on my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 card or prepaid card

Closed the account in XXXX. Have faithfully made payments and brought balance down. Asked for a settlement amount because I have paid debt and now only have fees. Fees have taken balance that was below XXXX back up above XXXX. This is extremely unfair treatment since I have paid the debt and wish to have the account closed. Called today and was given an extremely difficult time while attempting to get a pay off amount. XXXX XXXX refused to do anything except ask me if he lowered the monthly fee could I pay. The answer is no. I have paid that debt and now they are just ruining my credit for fees and extras. Furthermore how is it even legal to refuse? Even, ore insulting was his repeated question as to why I could not afford to send them XXXX dollars per month. This economy is horrible. We are surging from a pandemic and he thinks I should pay XXXX dollars a month for life! How can it not be paid in full since XXXX? I have paid them even lump sums!
Product: Checking or savings account

I was contacted by a scam from Huntington bank. Once I received the scam text I contacted the bank they informed me that the number was inaccurate and was not affiliated with Huntington bank. Two days later I got two unauthorized transaction on my account. I contacted Huntington they reversed the transaction. 1 week later they sent a letter stating the information I gave was inconsistent with the investigation when they didnt even reach back out to me about the incident. They continued to go back and withdraw the money out of my account even after I shut the card down and made a police report and now no one is answering or returning my phone calls
Product: Payday loan, title loan, or personal loan

I took out a loan for {$8400.00} " around about '' 2 years ago then about a month ago of this year they offered me to skip a monthly payment if i took out another loan so i agreed and asked for a XXXX $ which they denied and said i can get XXXX $ and i agreed to that. What i did not agree with is them Refinancing my loan. In the 2 years i paid XXXX a month and dropped total amount including interest down to around XXXX. That was the total amount left on the account when i took the XXXX $ loan out to skip a month. Now my total account balance is XXXX $ after i made this months payment of XXXX. I did sign new paperwork that i was informed was for the XXXX $ i received and the interest. This will be my first payment on this account since i received the XXXX . I can explain for in depth if needed. 

Thanks, XXXX XXXX
Product: Mortgage

My property has a foreclosure sale date for XX/XX/XXXX. My servicer is M & T Bank. They rejected me for a loan mod and I have engaged agents to sell my home as a short sale. My agents have continued to provide everything needed for short sale, the only thing left to be done is for the servicer to order an appraisal/valuation to compare it to the value. M & T is refusing to do this, saying that they need more time to upload documents. My agent has ALREADY verified that all documents were recieved, and has previously been told that 48 hours is the upload time, but NOW M & T ( XXXX to be specific ) says it 's a minimum of 5 days. I believe he is stalling in order to send us to foreclosure. We have a GREAT offer on the table and there is NO reason they are refusing to work with us. I do n't know if they think they 'll make money or what?
Product: Debt collection

Navy Federal Credit Union has taken money from my savings account to apply to other credit accounts I have with them. They are refusing to return the money to my account. Per the law 12 CFR 1026.12 ( D ) relating to Offsets. Credit grantors are not allowed to perform such actions. Regardless of what is written in their disclosures. They can only hold if it is written in a security agreement. Not take and apply to the delinquent account. The dates are XX/XX/XXXX for {$61.00} and XX/XX/XXXX for {$12.00}. After informing them in a phone call with representatives and a supervisor in collections. No resolution could be reached after I told them that this practice is illegal.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a closed account that shows one late payment and is reported on my credit reports from TransUnion and XXXX with one date, while XXXX shows a different date. This discrepancy raises concerns about the accuracy of the information in my credit reports. 

The details of the account are as follows : Account Name : DISCOVERBANK Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The inconsistency in reporting dates suggests that the information may not be accurate.

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate information. If there are discrepancies in the dates reported by different agencies, this could indicate a failure to meet that obligation.

Right to Deletion : Under the FCRA and other applicable laws, I may request the removal of information that does not accurately reflect the current status of an account. A late payment on a closed account, especially with inconsistent dates, may unjustly affect my credit history.

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

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

Why are you indicating that XXXX XXXX XXXX XXXX XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached COURT documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for XXXX XXXX XXXX XXXX XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Product: Debt collection

Back in XX/XX/XXXX Me and my wife had a chapter XXXX Discharge due to completion. In XXXX of XXXX I noticed our bankruptcy trustee was paying a creditor that originally was omitted back at the start of the bankruptcy in XX/XX/XXXX. In XXXX I told my lawyer about this and they said it was to late to do anything about it. So at post discharge I wrote a letter to the company and then another without a reply. I asked them to return the payments that were made by the trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with XXXX, Equifax and XXXX. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I agreed to a {$3000.00} 35.95 % APR due to kids father losing his job and not paying bills. I only received {$1800.00} on XX/XX/XXXX. I couldn't reach anyone in regards to the remaining {$1100.00} was so I applied with XXXX XXXX for the remaining cause it wasn't enough to cover my overdue bills. Throughout the length of this loan I have never been able to contact an actual person and was very frustrated. {$95.00} biweekly was my allotment from XX/XX/XXXX to when I canceled the allotment on XX/XX/XXXX due to overpayment and STILL unable to reach anyone. At the time my online account was still showing I owed {$1900.00}... not possible. I have been fighting getting this removed from my credit report as well as arguing with XXXX XXXX XXXX who they SOLD my " loan '' to when really there was nothing to sale... they owe me {$180.00}. This has been months of an ongoing mess. I have paid back {$2600.00}. 
{$1800.00} XXXX % = {$650.00} {$2400.00} However, they breached the contract by not fulfilling their agreement to loan me {$3000.00}... I really should only have to pay back what was given to me, {$1800.00}. By rights, they owe me {$840.00} ... interest I have paid!
Product: Student loan

My issue is two-fold : 1. For almost 2 weeks, I have not been able to log into my Mohela account. I have tried contacting the servicer several times but I am met with wait times over 1-3 hours. I have a job that does not allow me to be on the phone all day waiting. I am worried that with me not being able to log in to the website to make a payment, I will get derogatory marks on my credit report for the lack of their system not working. I am met with this error when trying to log into the website : " System-Platform Transfer Notice Your federally-owned loans serviced by MOHELA have begun to transition to our new loan servicing platform. Your loan information in the phone system and online will be available once the transition of your loans to the new platform is complete. Your loans will still be serviced by MOHELA. '' This should not be this long of an ongoing problem. 

2. The second issue is, that over the last 2 years, I have submitted via mail to Mohela to have my loans forgiven. I qualify under XXXX since I have qualifying federal student loans to be forgiven working for a qualifying public service employer and have made XXXX qualifying monthly payments. I have submitted the proper documents 3 times to Mohelas office : XXXX XXXX XXXX, XXXX XXXX, MO XXXX. They have shown on the website and stated on the phone that they have received my requests and are being processed. However, that is the state they have remained in for over 2 years. These need to be processed so my loans can properly be dismissed so I can stop making unnecessary payments.
Product: Debt collection

Hello, In XXXX of XXXX  my credit report showed a debt balance of {$1100.00}. The ordinal creditor is XXXX XXXX. When I gave them a call that this was NOT me and gave them my social security to run nothing came back from there end. They suggested for me to call the debt collector since from my end it did show it was in collections already. I procced to give the debt collector a call as well which is National Credit Adjust and mentioned to them as well that this debt does not belong to me. I gave them my social security number as well so they could run and same thing happened. Nothing came out from there end. All they had to say was once it did show from there end, they would give me a call back. I need this removed because firs offt it does belong to me, so this is a identity theft issue. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts On Credit Report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial Services sent me a letter claiming that I owed {$1700.00} to XXXX XXXX XXXX who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached. 

I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time. 

I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE. 

Phoenix Financial Services is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is registered in Delaware. Their registered agent there is THE XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account does not belong to me from XXXX XXXX, I want to remove this account from my credit report. It is showing up on my XXXX  and Transunion report
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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