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

On XX/XX/XXXX, I had paid an account to XXXX XXXX in full and on time. It was in error that I was reported 30 Days late. I was given a letter from XXXX XXXX, the VP of the company stating this. I sent the letter to Experian. Experian will not take the late reporting off of my credit after several attempts to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported & verified with Trans Union that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XXXX & beginning of XXXX when it was not. Court papers XXXX XXXX filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with Trans Union, most recently in XX/XX/XXXX,  copies of the court papers XXXX filed were included in the dispute but XXXX keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. XXXX XXXX reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent Trans Union the proof that XXXX XXXX is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX  {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In applying for a home equity line Equifax informed lender I had too many new credit accounts opened in the last 12 months. 
This is incorrect. 
Equifax also claimed I had too many credit inquiries also incorrect. 
This lowered my score. 
Further Equifax alleged I had too many revolving credit lines with to high balances.These revolving lines like XXXX XXXX are paid off every month for the last 37 years.I use XXXX XXXX to pay most of my bills including phone bill and some business bills.
Product: Checking or savings account

I fell victim to a online personal loan scam which I already filed a claim on. They deposited {$840.00} into my Chase bank checking account which I was able to withdraw. The fraudulent loan company said it was to raise my credit score and they had to deposit a larger amount of {$1300.00}. At this point I received a notification from Chase that they were putting a hold on the check until XX/XX/XXXX and that was all I heard from them. Later that day Friday the XXXX I went to get gas and my card read invalid so I went to another station and same thing happened! Now Im freaked out so I call Chase and the guy says my account was closed. I asked him why and he said I would have to call corporate and I demanded he connect me, I was livid because I had just been embarrassed twice in front of my little boys! The man from corporate was rude and arrogant from the start and said yes my account was closed because I dont meet the criteria for a Chase customer! He said the checks deposited were bad and I was on the hook for them. He made me feel like the criminal! This is the only incident I have ever had with Chase, they offered no help nothing. I asked him when were they going to get around to telling me my account had been closed and he said I should get a letter in about 10 days!! I cant get the money left in the account out, Ive had to contact everyone that I paid through my debit card, Im on XXXX and I dont if I got to Social Security in time to stop next check from going to Chase? Its caused me a living nightmare! I told the man, you know if I had a million dollars in this bank this would be handled way different, he said if I had a million dollars in his bank I wouldnt be XXXX enough to fall for a scam!!! This is just unacceptable treatment period!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of the following account pursuant to CRA Act, 15 U.S.C 1681g XXXX XXXX XXXX Acct # XXXX This Account was opened fraudulently and I filed a police report and XXXXXXXX XXXX XXXX Attorney Investigated and found that it was fraud and sent me a letter stating that this account would be removed permanently from my credit record.
Product: Credit reporting

I wrote to TransUnion in XX/XX/XXXX to dispute an item on my credit report related to XXXX XXXX. I specifically asked them to investigate because the item appears inaccurate. They continued to report the item without sending me validation. I have followed up in XX/XX/XXXX and they still have not validated or removed the item. I provided information to them that shows the item is reported in duplicate. The collection agency has dropped the item from the report, but the original creditor is still reporting an item that is no longer theirs. It affects my creditworthiness because it makes the item appear as an active charge-off that has not been satisfied. In addition, TransUnion did not respond in a timely fashion. The other XXXX credit bureaus, XXXX and XXXX have removed the item.
Product: Credit reporting or other personal consumer reports

On XXXX of 2022, I submitted a dispute to XXXX, XXXX and Experian with respect to a {$14000.00} child support arrears balance as well as a {$0.00} balance for an additional child support case. The dispute letter in question detailed reason behind the dispute and the negative and adverse effect it was causing to my credit. I have been paying the debt in question on a monthly basis and it is appearing on my credit report as a collection for a non-credit fiscal duty of the state of tennessee ; not anything financed by way of a banking institution. Per the report issued on XX/XX/2022 by the XXXX as well as XXXX XXXX XXXX new initiative to remove and ban child support from the credit reporting process.No actions were taken to remove the child support in question from my credit report and I'm asking for assistance as this matter is damanging my ability to advance credit worthy status
Product: Money transfer, virtual currency, or money service

( Block , Inc ) due to inadequate customer service and unfair practices, Which violate the customer 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: Checking or savings account

Navy Federal charged me excessive overdraft and returned item fees. This has been happening since XXXX, so from XXXX until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed a report, because I was denied the right to open an account. After reviewing the report, I noticed a plethora of inaccuracies and fraudulent information being reported. On XX/XX/XXXX I contacted ChexSystems to file a dispute for the inaccurate addresses and email listed, and the fraudulent information being reported by XXXX XXXX XXXX I spoke with XXXX, a representative of ChexSystems, and informed her of the fraudulent information and inaccuracies. I confirmed with XXXX, my complete address, and that this was the only address I can attest to. Anything else was inaccurate and fraudulent. reported. XXXX insisted that the adverse information being reported by XXXX XXXX XXXX  was verified by the financial institution as 100 % accurate. I asked XXXX if they sent me valid paperwork so that I could confirm. XXXX said they sent me a letter on XX/XX/XXXX confirming this information to be accurate. The call was escalated to her supervisor XXXX. I spoke with XXXX ( XXXX ) and XXXX insisted that the information was verified by XXXX XXXX XXXX In accordance with the FCRA section 611 ( 5 ) -TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION IS TO BE DELETED. ChexSystems had a duty to properly verify everything being furnished to them from XXXX XXXX XXXX  and also provide me with the corresponding information. It was never received, so I am to assume that they never sent the information to verify the accuracy of this alleged account. ChexSytems was also to not furnish any adverse information that results from fraud, and that the information they furnish to financial institutions is 100 % accurate, and ChexSystems failed to do that. Without properly verifying, ChexSystems has criminally and willfully reported this adverse information for over XXXX XXXX and also furnished this inaccurate information to another XXXX.
Product: Money transfer, virtual currency, or money service

account.

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: Debt collection

ECSI is ignoring the matter and sent the invalid debt without resolution to collection agency. They dont take responsibility for their mistakes. 
ECSI has XXXX XXXXXXXX signed with me but they state to be private. They sent invalid loans to collection agency without resolution. They blame XXXX XXXXXXXX XXXX for their incorrect XXXX and XXXX XXXXXXXX XXXX claims they are a federal loan. ECSI sent an invalid bill to collection agency without resolution. All invalid debts must be deleted.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} / XX/XX/2022
Product: Debt collection

As of XX/XX/year> they added another account on my consumer report that I never had or know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted JPMCB, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- Account number : XXXX, Account name : XXXX  - Account number : XXXX, Account name : XXXX  - Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights, XXXX/XXXX  Account # XXXX has violated my rights, XXXX Account # XXXX, has violated my rights, XXXX # XXXX has violated my rights, XXXX Account # XXXX, has violated my rights, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX Account # XXXX has violated rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 60 days 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 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 8
Product: Credit reporting or other personal consumer reports

I submitted several requests including an affidavit proving Identity Theft to Equifax and XXXX to delete XXXX XXXX XXXX from my consumer report. My personal information has been breached at all 3 credit reporting bureaus and the only bureau that removed the inaccuracy was XXXX. Equifax and XXXX have failed in their duty to report 100 % ACCURATE information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the 9th i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), resulting from their mishandling of my identity theft claim and failure to remove fraudulent information from my credit report following the XXXX data breach., have been a victim of identity theft due to the XXXX data breach. My personal information has been used without my authorization to open fraudulent accounts, make unauthorized inquiries, and file a false XXXX XXXX  bankruptcy.Experian has reported several fraudulent addresses where I have never lived, including : These addresses are in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of consumer information.Under 15 U.S.C. 1681c, Experian is required to ensure that only accurate information is reported. I have requested that these names be removed, but Experian has failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.
Product: Mortgage

Recently received trial period plan agreement from my mortgage company Prime Lending. I've made the trial payments that were due. I received in the mail a property foreclosure sale for my property set for XX/XX/2019.  I've been paying the trial payments that have been required of me. I don't want to lose my home to foreclosure. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In violation of 15 US Code 1681 ( 2xi ) 1666b 1692c 1692g 1681 e ( b ) 1635 12 CFR 1026.13 Agency is reporting incorrect amounts that have been charged off, reporting accounts before a bankruptcy, and accounts I am not aware of. Also incorrect information is being reported such as correct balance, late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

The problem bank is CapitalOne, , Exp XX/XX/XXXX this Visa card was issued to me XXXX XXXX XXXX and for over a year I can not view this account, why?In XX/XX/XXXXthis bank informed me that they were sending me a new card, which I did not receive after a month of waiting.  I called the bank and requested that they cancell that card.  About 10 days later I received the new card but was informed after attempting to use this new card that they had cancell this card.  Over this past year it has been impossible for them to allow me to access this account for one reason after another of lies and harrasment.  I called their bank numerous times spending 30 or forty minutes attemptimg to get access to this account. As they have purpus;y blocked me claiming that they needed proof that it was me they were communication with.  More lies on their part, why?  After they informed me that they had changed my credit rating I contacted the Consumer Protection Agency...several times...to this day I am not able to access my account to see the errounous late fee charges that they claim but are not entitled too.    Finally several months ago they sent me reminder after reminder of forth coming payments to my email address that has not changed for 15+ years.  I called to make a payment and was asked by their employee if he could charge my XXXX  account. I then asked to speak to this mans supervisor after42 minutes of conversation he hung up on me.  I had asked to create a new password to enter a new account that they had created but never informed me of.  Since  that conversation I have had to call to make a payment on the unknown account.  My most recent dealing with this bank was again another failier, howerver, the native english speaking woman was most helpful untill I requested that I be allowed access to change or add a new password and was informed that department was not responding.  I guess they  hope that I will die or go away but for sure thay have no intention ‘to do the right thing’  So...Here I am requestion you to assist me as I know no other way to get them to respond.  This Capital One organization  thinks that they can  ‘get away with anything’ as they also have the credit rating company.  Why am I not allowed to see this new account whic they want me to pay on, with their laet fees and what ever else thay can concock to steal my money?XX/XX/XXXX