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

XXXX ; Experian and XXXX   are reporting incorrectly ( 120 ) days late on the USD/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, these accounts have violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion numerous times that I am a victim of identity theft. I do not own or have in the past owned a XXXX card.
Product: Debt collection

The collection agency, Ad Astra, used my checking account and routing number to withdraw {$1900.00} from my account via electronic ACH. The image on the check shows it made out to " Ad Astra/XXXX XXXX ''. 

I did NOT authorize this, and, as a matter of fact, XXXX XXXX had a stop-pay on their collection efforts. Since this attempt came through Ad Astra 's checking account, it was allowed to go through. 

Ad Astra as a 3rd party did NOT have my permission to withdraw funds from my checking account - they used information that they gained from their client - my DDA number and name and address for the top of the check - to make this withdrawal look official. 

I looked it up, the original debt was XXXX XXXX, this company that took the money out of my checking account is a third party working for them Ad Astra. I originally had a contract with them ( XXXX XXXX ) and paid them back the money I borrowed. As Astra is now trying to collect {$1900.00} more worth of interest apparently. XXXX XXXX had permission to take money, after I paid them they are blocked and using this third party ( Ad Astra ) to bypass it. I have no idea who Ad Astra is, they don't have permission to take money out of the checking account nor have debt collection information for me to verify them.
Product: Credit reporting or other personal consumer reports

I am here today as a human being living man, i did not give these person ( s ) permission to put anything on my report especially with permissible purposes. This is identity theft from XXXX XXXX XXXX. I have reached on several times to all 3 CRAs on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX, Equifax, XXXX, and XXXX XXXX XXXX. I Have documentation and a FTC report attached.
Product: Debt collection

On XX/XX/year> I sent a cancellation notice to XXXX XXXX XXXX XXXX in writing due to the abundance of spiders and wasps outside of our home- the technicians did not appear to be visiting which we noticed due to working from home. Their website claims if the pests do not go away after service, they will come out for free and make it right. This never happened, nor did I want them to because of how far away they are from our location. The company resisted the cancellation and consistently harassed me by text, email, calls to have me call to cancel instead ; they would not accept the various attempts in writing. On XX/XX/year> they said they will be sending the cancellation invoice for some unspecified amount, which was charged to my card on XX/XX/year> in full. There has never been an invoice for the cancellation of the contract sent to me in writing, other than the {$160.00} they charged to our card on file on XX/XX/year>. No payments in the past ever went unfulfilled as they have always had authorization to charge the card on file. Again, no balance was sent for any amount owed other than the {$160.00} that was paid in full. Now, the company has sent the balance they already charged to a collections agency claiming I never took care of the debt. I took care of the debt, cancelled the service, and they company also has always had an authorized card to take care of any amounts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$89.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}
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 XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : XXXX XXXX XXXX XXXX  : # XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  XXXX  : # XXXX XXXX XXXX  : # XXXX 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/16 Complaint Department Equifax Credit Information Services , Inc XXXX XXXX XXXX, GA XXXX XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, 2016 I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 

These above accounts are been rehabilitated according to the XXXX Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the XXXX the above duplicate accounts listed XXXX XXXX XXXX should be removed. The XXXX further reports that credit bureaus should contact the XXXX while these items was disputed. While the credit bureaus never contacted the XXXX provided me the letter as evidence mail to Equifax. According to the XXXX these items should be removed. Please removed these items, or contact the XXXX Furthermore Account Number : XXXX Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. Please provide me the evidence that I owe them any money. 
I am requesting that Equifax have the item s removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my XXXX passport and driving lic, as evidence that I have XXXX single name. 

Supporting my position. Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them deleted the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX Pennsylvania
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX Status : Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Balance : {$440.00} XXXX XXXX : {$300.00} On Record Until : XX/XX/XXXX XXXX XXXX Account Number : XXXX Status : Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
Balance : {$1400.00} XXXX XXXX : {$750.00} On Record Until : XX/XX/XXXX I do not recognize these accounts
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Student loan

I was defrauded by XXXX University and filed a XXXX XXXX XXXX XXXX for my federal loans. As part of the XXXX v. XXXX ruling, my federal loans were forgiven. I filed a misconduct claim with Navient. I provided all of the same information as was supplied in my Borrowers Defense claim, however, I was denied by Navient with a vague response of : " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I believe my claim was summarily dismissed with little to no review.
Product: Debt collection

I closed my XXXX account on XXXX. My information including current address and current phone number were updated. I contacted them to ensure I paid any outstanding balance before closing. I looked at my credit report and score on XXXX and it had dropped XXXX points in a period of ten days because of a Collection notice from XXXX. I did not know who this was. I looked into it by researching on XXXX. It appeared XXXX had sent a debt I did not know about to XXXX without contacting me. I called XXXX customer service immediately and the rep said to go to the store the next day. I did. On XXXX, XXXX, the rep at the store showed me XXXX was referencing an old address and an old mobile number on file to contact me about a balance I was unaware of, and I was confused because I had already updated all that with XXXX when I closed my account on XXXX. He got customer service on the line, I paid the balance immediately in the store and I asked to have this debt and collection notice removed. I did not know who XXXX was. A letter dated XXXX arrived a few days AFTER by letter from a lawyer named Maury Cobb trying to collect the debt. I called XXXX ( listed on the credit report as the Collector ) and they said I had to call Maury Cobb. I don't understand what this debt was I the first place since I was told I had settled balances with XXXX when I closed my account but I have now paid the balance of {$200.00} directly with XXXX in-store . Now I can't get XXXX to remove the collection from my credit report. I also don't understand how {$200.00} can cause my credit score to plummet XXXX points in a period of ten days, especially because I was never contacted by XXXX about the balance between XXXX and XXXX ( when I discovered the collection ). I was never contacted by XXXX or Maury Cobb. This is predatory behavior. XXXX needs to be held accountable for how they mishandle outstanding balances, any collection notices and their practice of sending it to collections without notifying the Consumer when an account is closed. They punish Consumers for leaving XXXX. XXXX is renowned for selling phone number and personal information including email addresses to scammers, I frequently get junk email and spam phone calls because XXXX sold my information when I had accounts with them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Vehicle loan or lease

After becoming a widow we had some unauthorized activities on an account and decided to close that bank account. The car loan company XXXX XXXX was given notice of this months in advanced. While waiting for a form in the mail to authorize the change ( for two months ) payments were made over the phone. A customer service agent walked me through an illlegitamite online bill pay setup for the following month while also taking current payment over the phone on the XX/XX/18. Sure enough funds were withdrawn from both accounts. Causing more havoc on the accciunt we have been trying to close and holding up the closure of the account that would leave us with some funds to transfer out with. I have been promised the account to be reimbursed and have been waiting and watching daily!! So very frustrating!! How is this okay for the company to do? How much tube do they have to fix the problem??
Product: Consumer Loan

XXXX loan was charged interest up front in addition to online payment fees, miscellaneous fees, and fees accrued even though no payment was due and account was prepaid.
Product: Credit card or prepaid card

PayPay opened a line of credit in my name without my authorization or without notifying me. I only found out when I received a bill via email for a charge that I didn't make. I don't use Paypal, I opened an account in about 2011 and never used it. I certainly never authorized a line of credit and never accrued this charge ( especially considering the fact that I have no idea how to log in ). I reported the false charge to PayPal in early XX/XX/XXXX  and reported that I never authorized the line of credit. They said that they would look into the charge. The next month I received another bill, this time for a higher amount. I called PayPal again in XX/XX/XXXX and again reported the false charge and the unauthorized account. Again, they have done nothing. Now, in XX/XX/XXXX, I just received another bill for a higher amount. I have tried to resolve this multiple times, but PayPal, despite creating an illegal credit line without authorization has refused to resolve this issue. I am not paying for a fraudulent charge on a line of credit that I never authorized and that was illegally created.
Product: Mortgage

I refinanced with United Whole sale Mortgage ( UWM ) in XX/XX/2021. Since I refinanced my mortgage with UWM I have never received a mortgage monthly statement from this company. I have called several times, repeated requesting UWM to mail my mortgage statement prior to due date of payment but they have not done so. As I file this complaint, XXXX  has still not mailed a copy of my mortgage statement for month of XX/XX/2021. 

Sometime in XX/XX/2021, I saw in increase in my mortgage from UWM by {$10.00}. When I called to speak to a customer service agent they started giving me a runaround. In two occasions, I spoke with two females agents who did this to me. Another time, I spoke with a gentle who apologized for this mistake but rerouted me to an answering machine and never sent the email or mail the mortgage statement to my home address. 

On XX/XX/2021 I sent email to UWM to mail my mortgage statement to my home address. This is the last time I'm making this request. That if I don't hear from UWM within 10 business days, I will pursue the next line of action.

UWM is violating the law by not mailing mortgage statement to customers home address. What if I don't have internet, I will not be able to pay my mortgage.

The I deserve the right to have my mortgage statement mailed to my home address, just like my bank statement and other bills.

The United States Postal Service ( USPS ) was established in the Constitution with Congressional approval. Email will not replace the USPS and is not a substitute for mailing mortgage statements unless the homeowner specifically gives consent in writing and signed up for online deliver which I did not.
Product: Checking or savings account

On XX/XX/XXXX of 2022 I was put into a hospital for XXXX XXXX XXXX  and so was my husband during the time that we were in the hospital there was XXXX and a {$500.00} deposit deposited into my chime banking account when I got out of the hospital the bank said that they didn't know where the funds were that as far as they knew I received them but if I put in paperwork showing that I was in the hospital at the time that the funds were spent that they would replace them because I had insurance through my card holder agreement then when I put in my paperwork from the hospital showing that I was in the hospital all the sudden they didn't want to speak to me anymore they didn't want to answer any more questions for me and because I don't have an account open with them because they closed my account and I don't even know why they won't give me any interest to anything and I need that money because I lost my home in the XXXX  floods in XXXX Kentucky and I need a place to live you know.
Product: Mortgage

In XX/XX/XXXX, I lost employment and after after a few months lost the ability to pay my mortgage. In XX/XX/XXXX, I received a grant from a state agency which paid my arrears in full and made partial payments on my mortgage loan through XX/XX/XXXX. I have not been late on my mortgage payment in 5 years ( there is one exception with an explanation following ) and requested that my account be reaged to bring my account current which would remove negative information - older than 12 months. 

I have kept my financial obligation with Chase since getting my mortgage back on track. While acknowleges that they have the ability to do reage my account, they will only do so if you enter into a mortgage assistance program. Which is ridiculous and a gimmick to stretch out payments and add to the overall cost of your home and compounded interest. My account is not past due and I do n't require assistance. 

I have worked hard to reestablish my credit with Chase and others and this negative information is impeding my progress. Thus, I am coming to CFPB to assist with negotiations to have my account updated to reflect the positive status for 6+ years. 

Thanks. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has and is reporting inaccurate information on reports from Transunion. They have duplicated the debt on my credit report. They are also reporting inaccurate dates of last payment, inaccurate amounts of settled payment and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX In to the Transunion.