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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

request the original contract with my Wet signature on the student loan, its a violation of the educational privacy act the school will not provide transaction history to any third party company the family educational privacy act of 1974 XXXX  I need the creditor information XXXX  I need proof that Experian owns the debt, XXXX  I want the payment plan and history I request the account be updated and paid and agreed! You have yet to remove XXXX XXXX XXXX, you have not provided me with the original contract with my wet signature I asked that you remove it,
Product: Mortgage

I was working with BB & T Mortgage to modify the payment on my home. I am afraid to loose it. They asked me for my income and I sent it to them. On XXXX XXXX, 2017, I was told by their representative that the loan is under review and no other documents were needed. I call on XXXX XXXX, 2017 and now they closed and denied any assistance because my pay stubs do n't have a year to date total. I went over my pay stubs with them and they told me they were received and in fact they do have year to date totals and unfortunately my loan is denied because the single point of contact or case manager did not read my pay stubs properly. They stated they will not open it again and mean while, I am in dire need of assistance and I may loose my house for their negligence in reading pay stubs.
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 with error solution 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

This debt is not mine .I found out about it when I checked my credit in XXXX. I have never bought anything from a Company of Sunrise. I disputed this from the other credit agencies and it was deleted due to fraud. I have never received any bills or phone related inquiries toward this fraudulent order nor was ever contacted or aware. Please investigate this matter and remove it from my report as other bureaus have. 

Thank you XXXX XXXX XXXX
Product: Debt collection

This is not my account. I know nothing about this account. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this inquiry several times to the credit Bureau, requesting the creditor to send me documentation baring my signature, or delet this from my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file
Product: Credit card or prepaid card

XXXX Chase - XXXX XX/XX/2023 there were 2 charges from " XXXX XXXX '' for {$74.00} and {$69.00} on the same date and time, from a location in XXXX, XXXX. They are fraud because I did buy or receive from a place with that name for that amount. I tried to get more details from the credit card company but they did not want to give me any details and just denied it. They would not give the merchant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaint CLOSED Opt-out processed from all public-facing products. Our records indicate that on XX/XX/2023, XXXX XXXX contacted the LexisNexis Privacy Manager to request an opt-out of certain LexisNexis products. LexisNexis processed XXXX . 
XXXX request and opted his name, address, and phone number out of our public-facing products pursuant to the Privacy Policy listed on our website, and a confirmation letter was mailed to XXXX. XXXX for review. 

I never stated an opt out of certain products, I stated removal off all of my information from all products. 

This is a violation of my privacy, 15 U.S.C 1681 section 602A. 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. 


The U.S.C above do not state that the code does not applies to certain products of lexis Nexis for variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. There is not any law stating it must be reported.
Product: Mortgage

We have submitted 3 applications for a Mortgage Modification with M & T Bank 's Homeowner Assistance Program. We were approved for the 1st time in XX/XX/2019 with the 1st payment being for XX/XX/2019. We made arrangements with M & T Bank for our 1st payment to be withdrawn from our checking account on XX/XX/2019. I was NOT aware that the bank where our checking account is located ( XXXX XXXX XXXX XXXX ) held/froze our available funds without our explicit knowledge ( or approval ) on the same day our M & T mortgage modification trial payment was scheduled to be withdrawn ; therefore, the mortgage modification trial payment was denied by XXXX XXXX XXXX XXXX where our checking account is location. We did not receive any information that our checking account 's funds were frozen until 7 business days later. By that time, the mortgage modification trial payment was declined by XXXX XXXX XXXX XXXX. M & T Bank proceeded to cancel our Mortgage Modification application. We submitted an appeal with proper documentation and proof from XXXX XXXX XXXX XXXX that they withheld our checking account funds. M & T Bank denied our appeal despite the aforementioned documentation. We then began to utilize a housing counselor to attempt to try to work with M & T Bank and reinstate a Mortgage Modification. We submitted a second Mortgage Modification application. Again we were denied by M & T Bank and they claimed because we " defaulted '' on the previous Mortgage Modification trial they could not approve the application. We again submitted yet another appeal and they again denied the appeal. At this time, they began to file Foreclosure court papers against us and retained lawyers. We have been served said papers and are supposed to have a Mediation meeting scheduled with the local court ; however, this has not happened yet. We have submitted a 3rd Mortgage Modification application through M & T Bank upon M & T 's suggestion and through their respective lawyers. Today we received a 3rd denial of a Mortgage Modification. 
We have tried working out payments with M & T Bank but they are refusing to work with us. We have kept lines of communication open with M & T bank and they are refusing to communicate solutions to us. M & T Bank has the ability to approve our Mortgage Modification application and override their policies that are blocking our application from being approved. We will further explain that one of the cosigners of the Mortgage Loan and our son are XXXX ; however, both receive monthly income from Social Security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for a XXXX credit card and need this removed from my credit report immediately
Product: Credit reporting

this is XXXX XXXX i 'm here to file a complaint again all XXXX credit reporting companies ever since last year i apply for a credit card from XXXX XXXX they pull my credit but the problem is they said my credit was locked by credit reporting companies they had no right to lock my credit so i could n't get my score they been messing with my scores they keep knocking off points from my score keeping me down in the XXXX i should have a good credit score i try to pay my bills on time i 'm trying to build credit but these companies do n't wan na give me a good score there doing fraud things to me and i want to find out what i can do about it i been trying to get all XXXX credit reports but they do n't wan na give me a report and score so i can know how my credit is doing they do n't post to keep you from getting a report
Product: Credit reporting or other personal consumer reports

CFPB LETTERS FOR CRA AFTER ALREADY COMMUNICATING NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, XXXX for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against XXXX.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We live in south Florida and were financially hit by hurricane Irma as our house had damages which consisted of roof damage and exterior damages to fences and trees. We contacted our mortgage company at the end of XX/XX/XXXX explaining the situation and we were put on a  forbearance and explained that our payments would be deferred to the end of our loan term. Now in XX/XX/XXXX we received a call that we had to come up with all the money of those months before they take action on us. Meanwhile this whole time, I have not stopped paying my escrow account which covers taxes and insurance on my property.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX 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 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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I received a MasterCard gift card over a year ago, but didnt try to activate it until XX/XX/2019. To activate it, I had to visit XXXXXXXXowned by US Bank, the company that sells these cards. When I entered the account number and the 3-digit number on the back, I discovered it had already been activated by someone named XXXX XXXX, who made two XXXX purchases using my card number. The cards value was originally {$200.00}, and the XXXX purchases totaled about {$180.00}. There was {$8.00} in service fees, so the current balance is {$5.00}. The card was in my possession when XXXX XXXX activated it and made the purchases. 

I called the customer service number on the back of the card the next day, and spoke with XXXX about the fraudulent purchases. She said the only way I could report the fraud was to send a fax. She gave me the fax number, and I faxed my complaint. A representative called me back and left the original customer service number that I called. When I called back, I spoke with XXXX this time, and she told me to send the fax again. I told her that was ridiculous and wanted to speak with someone in the fraud dept. She told me the only way I could contact them was through faxno email or phone number. I sent another fax and this time, I didn't get a call back, so I called the customer service number again. When I entered my account number, an automated message said " this account has been closed '' and hung up on me. At this point, there's no way for me to even contact the company. 

I believe the fraudulent purchases were made by an employee of the company, since it was in my possession the whole time. I think that's why the company has given me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours starting the account is accurate without providing any evidence of a thorough investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) XXXX U.S.C XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Debt cleared then re-emerging after new sale was made. I leased a vehicle XX/XX/XXXX which was totaled XX/XX/XXXX. GAP coverage, insurance, and individual coverage from the branch of Toyota were all applied to my balance to cover for the vehicle and the vehicle itself was auctioned off. I had received a letter notifying me that I had around 20 days to pay off a large sum of money ( approximately XXXX $ ). I could not pay this amount so it was put into collections. XX/XX/XXXX, I returned to the same Toyota dealer who originally leased me the vehicle to clear up any debt I may owe and possibly consider another vehicle, as I needed one to commute to work. After over an hour with the finance manager, and him making several calls to Toyota financial and Toyota Motor Credit Corp, we came to a resolution. The finance manager assured me I did not owe any sum of money to Toyota Motor Credit Corp, as did the individuals from TMCC we were speaking with about my account. I was entirely prepared to make a cash payment settlement at this time, but was assured I was clear of debt. After this all took place, the finance manager quickly addressed my need for a means of transportation and introduced me to a floor sales representative who had then sold me a vehicle for just over {$12000.00} under Toyota Motor Credit Corp. This is the car i still possess today, and make 100 % on time payments for each month. However, I received a letter in the mail today dated XXXX XXXX, XXXX stating it was a claim for collection from Toyota Motor Credit Corp in the amount of {$7400.00}. I feel that there has been a violation of the Consumer Protection Act in that I was taken advantage of, and even misled about information regarding any debts, in order to make me purchase another vehicle. This deception caused me to purchase a vehicle unaffordable to me in the event I owed such debts. Purchasing a more affordable vehicle and resolving the debt would have been my course of action had I not been deceived. However, instead I have been almost tricked into purchasing another vehicle and lied to about the true details of any debts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the reports updated and information with this house loan and other accounts on my reports XXXX XXXX XXXX / Trans Union they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter
Product: Vehicle loan or lease

My lease was about to be up, so I went in to obtain a new car. I spoke with representatives, came to an agreement, then on the day I was supposed to come in and pickup the new car, I received a phone call that they werent going to honor the deal that was reached. I went in and spoke with the manager who at first was not going to honor the deal, but once he realized it was the representatives error and not mine, they honored it. Or so I thought. I went in finally a week later to get the car and of course the lease terms had changed. They were only going to honor the price, not the mileage that was agreed to, but a this point, my lease was due to be up, so I didnt have a choice but to take a lower mileage lease or be stuck with no car and rushing to find transportation. After all this, my problems were just beginning. They took my lease turn in and then threw an $ 1800+ balance on my credit report. After finally getting that taken care of after weeks of going back and forth, theyre still reporting a $ 480+ balance. This is all after I disputed multiple times because they continuously marked my payments late because of a late fee that they added, even though my payments were on time. I want the late payments removed from my credit report and I want this false $ 480+ balance removed.