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

Identity theft has happened to me. As a result, someone obtains access to my personal information. My credit report contains accounts about which I am completely unaware. I'm sending my ID and identity theft report for Block and Removal of information on my consumer report, as required by 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Complaint Overview : I am submitting this complaint due to inaccurate and misleading information being reported on my credit report by XXXX XXXX Equifax XXXX XXXX XXXX Despite multiple attempts to resolve this issue directly with the credit bureau, the inaccuracies remain, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating and correcting these errors. 
Account : XXXX XXXX XXXX # XXXX Key Issues : Late Payments Misreported as Income : Several late payments on my open accounts have been incorrectly reported as income on my credit report. According to 26 U.S.C. 61 ( a ), income refers to gains or profits such as wages, dividends, or other sources. Late payments are not taxable income, and therefore reporting them as such is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and credit bureaus are required to report information accurately. The classification of late payments as income violates federal law. 
Closed Accounts Incorrectly Reported as Charged-Off : Certain closed accounts are being inaccurately reported as charged-off, despite having been resolved. These accounts should be updated to reflect a status of paid as agreed.

Under 28 U.S.C. 3201 ( e ) and 31 C.F.R. 285.12, debts classified as Certificates of Indebtedness should not continue to be reported negatively once resolved. The current reporting is not in compliance with these statutes. 
Specific Actions Requested : Immediate removal of late payments that are incorrectly classified as income from my credit report, while keeping the open accounts active and positive.

Update of closed accounts currently reported as charged-off to reflect " paid as agreed '' with a positive status, as required by federal law. 
Attempts to Resolve the Issue : I have previously contacted XXXX, XXXX, and Equifax to dispute these items and requested verification of the information as per the Fair Credit Reporting Act. However, the credit bureau has failed to correct these inaccuracies or provide adequate verification of the information in question. I am now seeking the CFPB 's assistance in holding the credit bureau accountable and ensuring that they follow federal guidelines. 

Relevant Laws Cited in My Dispute : 26 U.S.C. 61 ( a ) Income does not include late payments or delinquent debts.

15 U.S.C. 1681s-2 ( a ) Furnishers of credit information must ensure the accuracy of reported data. 
28 U.S.C. 3201 ( e ) Guidelines for debts classified as Certificates of Indebtedness.

31 C.F.R. 285.12 Restrictions on how settled government debts should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : XXXX I pulled a copy of my credit report and noticed a fraudulent account. 
Creditor : XXXX XXXX Account : XXXX .... Reason : Fraudulent account I have been a victim of Identity Theft. The account is fraudulent. 
To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) This fraudulent accounts were not authorized by me. I have also provided you with copies of my social security number and license. 
Thank you. 
A copy of My ID, Social Security Card and Proof of Address are Attached along with the police report and Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over two months ago, I sent a request to Experian, asking them to investigate errors on my report. They have not responded yet.
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 violates 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: Credit reporting or other personal consumer reports

In XX/XX/2024 I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXX XXXX XXXXXXXX Status : Charged Off 2. XXXX Account Status : OK XXXX. XXXX Account Status : Closed 4. XXXX XXXX ( fXXXX XXXX XXXX XXXX ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX XXXX Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate XXXX. XXXX XXXX : XXXX XXXX XXXX. XXXX Status : OK XXXX XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off XXXX. XXXX Account # : XXXX Status : Collection/Charge-Off XXXXXXXX XXXX Status : Collection/Charge-Off XXXX. XXXXXXXX XXXX XXXX Status : Collection/Charge-Off
Product: Debt collection

On XXXX, i received a credit monitoring alert that a collection was added to my XXXX credit file, William and Fudge. Upon review, I have no knowledge of this collection company and never received any type of debt validation letter, verifying debt or being given the opportunity to dispute or even the balance as well as the name of the creditor. As a result this has caused my credit score to decrease by XXXX points.
Product: Credit card or prepaid card

My credit card was turned off immediately after I called Capital One to ask for help to dispute charges and simultaneously updated address also. This caused the great inconvenience, as they suspected I was a scammer, and after calling card company I was told my card was turned off because another card was sent out to me since the card I was using was about to expire. I called in to Capital One over a period of 3 days and spoke with eight different people and there was no tangible compensation they could do to me for the inconvenience of immediately shutting off my card and asking me to wait 7 business days for a card to be mailed out to me. 
There needs to be a better system in place that even if fraud is suspected that it can be verified by the card owner. The card that was mailed the new card that was mailed to me was even returned since I was no longer at that address. I was even told by one person I spoke to that maybe I could get {$100.00} credit. And then another person told me that there's no credit at all they can give. I spoke with a XXXX, XXXX and XXXX. I was given the run around, transferred without resolution. First call was placed XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX this company pulled my credit through a 3rd party and i did not authorize them to do this.
Product: Debt collection

I have sent Toyota Motor Credit Corp. an invoice on XX/XX/2022. This invoice is a breakdown of charges for the violations committed by this company. There will be an attached copy of the invoice sent previously.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required XXXX notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

Nationstar Mortgage withheld money from my monthly house payment to fund an Escrow account from which they are to pay property taxes. They used the funds from my account to pay taxes on someone else 's property - landing me in collections with the XXXX County tax department. They have since paid off the collections, but are showing the additional amount as being part of my payoff amount ( meaning they are charging me XXXX for property taxes ). When my attorney and I have requested that they update the payoff since it was not my error, they are not helping me. They have told me they have to wait for the refund from XXXX County. When I contacted XXXX County, they advised me they do not refund mortgage companies for issues such as this. They said the mortgage company has to request the funds from the owner of the property that they erroneously paid. Nationstar is now saying they did not make a mistake. My attorney has documentation showing the issue and that I am being penalized for this, which is making it impossible for me to refinance my loan to a lower interest rate ( this is how we noticed the issue ). I have spent literally hours trying to get this resolved - many times being disconnected and given incorrect call back numbers or numbers that route to the wrong department. I also gave each of the representatives my call back number and no one has called me back. I left several messages with XXXX in the tax department and she never returned my calls. I want to move my loan from this company ( which could be accomplished through a refi ), but they are showing me as owing {$6000.00} more than I should, which means I would have to come out of pocket and hope for a reimbursement at some point.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of my disputes particularly in the light of the recent CFPB Lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and that tracking these transactions was unfeasible. CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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. 

XXXX  Accounts : XXXX XXXX, XXXX, XXXX XXXX  and 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Checking or savings account

On XX/XX/2022 I went to pump gas at XXXX XXXX in XXXX Illinois, I was advised my debit card transaction was being declined by the gas pump. I went to another gas station and same issue persisted. I drove to the Chase branch on XXXX XXXX in XXXX Illinois XXXX spoke to an XXXX XXXX XXXX at the branch who told me the debit card was unblocked and good to use now. On XX/XX/2022 I went to XXXX to buy breakfast and was declined for reason of debit card being expired. I went to the XXXX XXXX XXXX branch to inquire why this was happening a second day in a row if on XX/XX/2022 I was told it was resolved. I am now being told the card was cancelled on XX/XX/2022 and a new one was ordered to be delivered to my address. I never requested my current debit card to be cancelled and a new one mailed. The employee at the XXXX branch took it upon herself to do that without my approval or knowledge. Now I have to go this XXXX holiday without a debit card and its very very very inconvenient.
Product: Credit reporting or other personal consumer reports

Company XXXX XXXX continues to furnish fraudulent information to my consumer report, after being informed that this information was fraudulent and causing harm to my credit worthiness. Company has not verified the identity of the consumer responsible for opening this account. 

This is a direct violation of USC 1681. 
There have been an FTC report filed and copies were sent to all credit bureaus as well as XXXX XXXX via priority mail. 

Acct # XXXX
Product: Credit card or prepaid card

On XX/XX/2017, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. 

American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. 

Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit  my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. 

Please also look for accounts under my maiden name.
Product: Mortgage

I received a delinquent tax notice. My mortgage company has not paid my property taxes even though there is sufficient funds in my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an Investigation to a XXXX XXXX XXXX for DEROGATORY information they have placed on my Credit Reports for 4 consecutive years I bought a XXXX XXXX in XXXX, paid the car for 3 years in the amount of {$440.00} and in XXXX, I had a accident and the car was Totaled by XXXX XXXX. The Insurance PAID XXXX XXXX the balance owed in the amount in excess of {$7600.00} and closed the file. 

I received a call from a Representative of XXXX XXXX who said the Balance was paid off and XXXX XXXX covered any residual balances. 8 months into the year, as I was checking my Credit File, I noticed a {$2400.00} balance reported on my Credit Files by CXXXX XXXXce ... .I called and ask what the balance was for, the Represented said it was residual balance from that XXXX XXXX and it could be settled. I told them XXXX and XXXX  PAID OFF the car as they - XXXX XXXX XXXX confirmed it in XX/XX/XXXX. 

While I continue to keep an eye on my Credit File, one Blessed Day I generated my Credit Reports and noticed the XXXX XXXX had climbed from {$2500.00} to {$9900.00} without any notice or supporting documentation from XXXX XXXX quantifying the balance ... .No Statement, No Reports, Nothing. They have been reporting this BOGUS Balance since XXXX as LATE PAYMENT FOR A CAR I DON'T HAVE. I have repeatedly asked XXXX XXXX XXXX if the {$9900.00} was interest, NO ONE from this Company can explain to me .... 

I reached out the California Attorney General 's Office and reported this matter, and they reached out to the Attorneys at XXXX XXXX XXXX. One of the Attorneys agreed on a Settlement Amount of XXXX for me to pay, which I did on XX/XX/XXXX via my Debit Card. As of XX/XX/XXXX EVEN AFTER THE {$1900.00} PAYMENT, Credit Acceptance IS STILL REPORTING my Account as LATE in the amount of {$9900.00} I want XXXX XXXX to DELETE ALL 60 months of DEROGATORY Reporting from XXXX XXXX going back to XX/XX/XXXX to date i.e. XX/XX/XXXX. MY XXXX SCORES have been damaged PERMANENTLY because of Credit Acceptance. They have continuously reported INCORRECT BALANCE which can not be quantified or verified Please help me resolve with this Company which has a reputation to RUIN LIVES and CONSUMER FILES ... ..THEY HAVE BEEN SUED by several Attorney Generals including Massachusetts because of BAD BUSINESS PRACTICES just as I'm facing today Thank you XXXX
Product: Debt collection

Disputed the account with XXXX, but it came back verified without providing me any proof
Product: Mortgage

Mr XXXX called me today from the phone number +XXXX ( XXXX ) XXXX, every time he calls he makes me Upset. He initially said I approved for an amended forbearance payment and my interest rate was reduced to 3.25 % but I never received the letter stating that. I asked him to send me that letter to which he said that it is already closed out because I opted for forbearance extension and I told him I did not ask for that, I only asked him to send me that letter which was approved, I have no proof that I was approved for the pandemic amended mortgage payment. He repeats himself million times and makes the customer frustrated. For a small sentence he takes a long time to complete wasting customers time. 

I also asked him to send me a letter with synopsis of our conversation what we had today, to which he said that the pandemic forbearance amended payment has already been closed out. 

That XXXX me off. 

Secondly I asked him if he can send me the XX/XX/2020 amended monthly payment statement as I already made the {$180.00} payment on Friday to which he said that it will take another 3-4 business days for me to receive it. Now I dont see any reason that why it takes so long for mr Cooper to send an amended payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i contacted Trans Union concerning items on my credit report from the following companies with partial account numbers : XXXX XXXX XXXX  : Acct # : XXXX & XXXX XXXX XXXX XXXX XXXX : Acct # : XXXX XXXX XXXX XXXX : Act # : XXXX With Trans Union NOT reporting the " ENTIRE '' account #, they're NOT reporting 100 % accurate information required by section 609 of the Fair Credit Reporting Act. And for this cause, this is HIGHLY damaging to my credit score. I submitted a certified letter concerning this matter also a letter asking them to provide the name, address and telephone number of each person they contacted regarding these account. I requested any documentation bearing my signature, they fail to submit that information to me. I reminded Trans Union that as in Wenger v. Trans Union Corp, No 95-6445 ( C.D. Cal. Nov. 14, 1995, they may be liable for their willful non-compliance. Also with my having a credit freeze on my credit report, I DID NOT authorize XXXX XXXX on XX/XX/XXXX & XXXX XXXX on XXXX XXXX, XXXX, to make a inquiry on my credit file without my knowledge. I requested from Trans Union to remove these inquiries immediately because it's making it very difficult for me to acquire credit, especially being a victim of identity fraud. I submitted to Trans Union via certified mail a letter from the WisDOT-Division of Motor Vehicle for verification.
Product: Mortgage

On XX/XX/XXXX we closed on our home after much frustration with the lending agent, XXXX XXXX who is with the company XXXX XXXX. The house was built in XX/XX/XXXX and needed to be brought up to code with the mechanical aspects ( Electrical, Plumbing and HVAC ). We asked for a XXXX loan but was told we could do a Conventional Rehabilitation Loan. Prior to closing we were told that we needed to provide the monies for the contingency reserve as well as the monies for closing. This money was self-funded by us. It was stated that the monies in the contingency reserve would be returned to us after the work for the renovations, outlined in the contract, were completed. However now that the renovations outlined in the contract have been completed we are not receiving the self-funded contingency reserve monies back. We received documentation, to be signed, stating that the monies would be applied to the principal mortgage. This was not our understanding nor the understanding of our Real Estate Agent. When asked for the paperwork to review that showed that we didn't provide the contingency monies, it was not provided to us. XXXX XXXX at XXXX XXXX then stated that they would now leave out the contingency reserve and that we could get that back from XXXX. Our loan was sold to XXXX two months after we closed. After asking again for the paperwork to review that shows that we didn't put down the money for the contingency reserve, we still have not received it. This money amounts to almost 6K. We feel that this is a dishonest and misleading practice. XXXX XXXX required us to put these monies in reserve. We have reached out to our Real Estate Agent and they are very unhappy with how we have been treated in this whole process. They are currently looking for the closing agreement to show that we did self fund the monies for the contingency reserve. We wanted to start this process of complaint as we feel that they are not intending to return the monies we funded for the contingency reserve. Dishonest business practices like these can not go unnoticed and no one should have to go through this.