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

Approximately XXXX of XXXX  I requested that XXXX XXXX XXXXXXXX XXXX XXXX the late payments showing on my credit bureau for both of my credit cards with them one XXXX  and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXX XXXXXXXX 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts.

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXX XXXXXXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX XXXXXXXX for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this.

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX XXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.
Product: Credit card

I am certain that I always pay on time. What I can not comprehend is why this company is marking me late for specific months, which is incorrect. According to USC 1666b, billing errors should be corrected, or the company will owe me {$1000.00} per account for inaccurate reporting.
Product: Debt collection

I moved out in XX/XX/2019. All rent was paid until XX/XX/2019. There should be no balance. I suffered a XXXX and they wouldn't let me move downstairs ( per doctor request ). So I had to move. All money was paid until XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis XXXX XXXX XXXX XXXX, a LexisNexis Company has violated my rights under FCRA Section 604 ( A ) ( 3 ). This company continues to retrieve my public information from XXXX  and sell my public records to a variety of its customers, including consumer reporting agencies WITHOUT permissible purpose. LexisNexis XXXX XXXX XXXX XXXX has fraudulent sold and used my personal and private identity information for financial gain.
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 to unauthorized transactions
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with fair credit act this creditor has violated my rights under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15USC166 6b a creditor may not treat a payment on a credit card account under an open and on consumer credit plan as late for any purpose. 

Date : XX/XX/year>
Product: Debt collection

I checked my credit report and seen that there were discrepancies and there is a charge of {$220.00} and it was started on XX/XX/2022, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Product: Money transfer, virtual currency, or money service

through out the years cash app would randomly take money out my cash app account and when i ask for refund and tell them i didnt give permission for them to do that they sometimes wouldnt refund me back saying they couldnt do it that i would have to get in touch with the company who took it but i would never have anything to do with the company like i never use XX/XX/XXXX or something like that and they took XXXXXX/XX/XXXX XX/XX/XXXX now is trying to take XXXXXX/XX/XXXX i also was post to get a refund from a gas station and it never even came back on my card but the store said it had been refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX  on XX/XX/2020 from the company Comenitybank/XXXX
Product: Credit card or prepaid card

I have received an email saying I was declined for a credit card with capital one however I did not apply for one. They included my current credit score in the declined letter and that doesn't look correct.
Product: Credit reporting or other personal consumer reports

Review my credit report I'm found a hard inquiry made on XX/XX/year>, from XXXX XXXX XXXXXXXX that is not mine this is due to the fact that my personal information was exposed in the XXXX and XXXX XXXX Breach, I need you investigated the information and remove as soon as possible the hard inquiry placed in my report from TransUnion.
Product: Credit card or prepaid card

My wife and I received a letter from XXXX XXXX, Vice President at Citi Bank N.A., XXXX XXXX XXXX, XXXX, MO XXXX stating that they closed our Citibank Mastercard account on XX/XX/2019 due to a potential bankruptcy case. My wife and I have never filed for or declared bankruptcy. We have excellent credit scores and all our accounts are paid on time. I called Citibank customer service on XX/XX/2019 explaining the information was erroneous. I was told by a supervisor they would investigate and get back to me within 24 hours. I was never contacted. As a follow up, we wrote a letter to XXXX XXXX stating that our account was closed based on erroneous information and reiterating that my wife and I never declared bankruptcy. We requested that our account be reinstated and expressed our concern that the closing of our Citibank Mastercard would have a negative effect on our credit scores. As of this date, Citibank has not contacted us, and our credit monitoring service has contacted us regarding this account closing and possible detrimental effect to our credit. 
We are also concerned about the amount of personal information Citibank customer service requested when contacted. Instead of asking for the last 4 digits of our credit card the customer service representative requested my social security number, birthdate, mother 's maiden name and address. While I gave this information, I expressed concern about the amount of personal information requested due to the possibility of fraud and identity theft. I asked the customer representative why they couldn't access my information from the computer using the last 4 digits of the account and was told they were lookang at a blank computer screen. I question the veracity of that statement which, if accurate, gives me concern about the security measures taken by Citibank to safeguard my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of identity thief. I have asked that several times to investigate this item. The item listed below is the account that is not mines : XXXX XXXX {$140.00}
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

This was not me, I never applied for or either went to senible auto leasing someone used my name or Idenity.
Product: Vehicle loan or lease

I am submitting this complaint against Mid-Atlantic Finance Company for engaging in unfair and deceptive lending practices, including the misapplication of my down payment, improper charge-offs, and potential fraudulent financial reporting related to a vehicle loan. 

Background of the Issue : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX and financed the vehicle through Mid-Atlantic under a Retail Installment Sales Contract with an APR of 29 %. I made a {$1500.00} down payment, which was supposed to be applied to the principal balance of the vehicle. However, the dealership and lender misapplied my down payment, adding unnecessary fees first before applying my funds, increasing my finance charges unfairly overall increasing my monthly payments.

Additionally, Mid-Atlantic engaged in improper credit reporting by charging off this loan twice at separate times. While they recently corrected this issue on my credit report after I filed a dispute, this double charge-off raises serious concerns about their financial reporting practices and potential tax fraud. 

Violations & Issues Identified : Unfair & Deceptive Lending Practices Misapplication of Down Payment ( 15 U.S. Code 45 ) My {$1500.00} down payment was not properly applied to reduce the principal cost of the vehicle.

Instead, the lender structured the financing to include unnecessary fees first, ensuring I paid more in finance charges.

This resulted in me financing a higher amount than necessary at a predatory interest rate of 29 %.

Double Charge-Off Reporting & FCRA Violation ( 15 U.S. Code 1681s-2 ) The lender charged-off the same debt twice, which led to misleading and harmful credit reporting.

Though they removed the duplicate charge-off after I disputed it, the fact that it happened in the first place suggests improper accounting and financial manipulation. 
Potential Tax Fraud Double Charge-Off Write-Offs ( IRS & CFPB Concern ) Since a charge-off is considered a business loss, the lender may have written off the debt twice for tax purposes.

This could be a violation of tax laws if they claimed the same loss twice, reducing their taxable income more than legally allowed. They have since corrected this with the CRA 's as this serves as an admission of guilt.

If they engaged in fraudulent tax reporting, this needs to be investigated.

Failure to Provide Full Debt Accounting ( Potential XXXX  Violation - XXXX XXXX ) The lender has refused to provide a full accounting of the debt, including how the charge-offs were reported and justified. 
If they charged off the debt but still own it, they must disclose a complete financial breakdown of the loan balance and payment applications.
Product: Credit reporting or other personal consumer reports

Academy credit card account reported to the credit Bureaus that my account is delinquent, past 30 days late. The credit card is PAID IN FULL, and payment arrangement were made in order to avoid this credit reporting. As a result of such actions my credit score dropped significantly, and I request for the remark be removed from my credit report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date XXXX  Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX XXXXnquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX  Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX  Date XXXX  Inquiry XX/XX/XXXX, XXXX  XXXX Date XXXX Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date XXXX  Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  Date XXXX  Inquiry XX/XX/XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX
Product: Mortgage

BSI financial had purchased my mortgage from XXXX a few years ago. They were saying that my loan was delinquent when they purchased my loan. It was Not delinquent! For years they kept harassing me for past due payments! In XX/XX/XXXX they destroyed my check which now made it look like I was three payments behind so they could start the foreclosure process! They had sent me a letter in XX/XX/XXXX stating my home is in foreclosure and would not accept any further payments. I had already sent in XXXX payment before I received their letter. Even after they said they would not accept payment from me, they proceeded to cash XX/XX/XXXX payment! Now I have the XXXX wanting to come after me for defaulting on a loan that I am NOT delinquent with!
Product: Credit card

A company advertising as XXXX online trial for skin cream. On XXXX XXXX, 2016 I ordered the trial. I careful looked to see if there was any recurring charges on this ad as this XXXX becoming an epidemic when ordering products none was shown. I ordered the product and my charge was billed for the trial of XXXX. On XXXX/XXXX/16, I noticed a charge on my credit card for XXXX. I had not authorized any charge and called my credit card company. I was told that it showed preauthorized and asked to call the number on the charge receipt. I did so and it was an overseas company. The representative indicated that I had ordered the trial and by doing so I agreed to recurring charges. I shared that no such language was on the original order site nor was it on the emails confirming the shipment. I was told it would be canceled. The company showed the cancellation was made as of XXXX/XXXX/16, however I called on XXXX/XXXX/16 and then called back on XXXX/XXXX/16 as I had not received a confirmation of the cancellation. I was told I would receive this and to date it still has not been issued. I am submitting this to CFPB due to the fact that this company, though they show my cancellation still expects to get paid for a product that was never shipped other than a trial. I disputed the subsequent charge to my credit card company in XXXX and on XXXX XXXX received some documents from a different company about an agreement for recurring order on a different product. The company changed its name & product. I ordered XXXX, which is on my original order receipt and a company called XXXX XXXX responded to my credit card company. I never order anything from XXXX and never agreed to any type of recurring shipping of the product nor did I receive any subsequent order of the product. I believe this company should be investigated for fraudulent advertising and charging consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize none of these inquiries. I am not sure where they came from. I have contacted all the companies and they have no tied accounts in my name and nothing reporting on my credit from them. I want these removed please. 
Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX  : ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXXXXXX XXXX XXXX  : XX/XX/XXXX Inquiry made by : XXXX XXXX XXXX XXXX XXXXXXXX Car Sales ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I have submitted information regarding my identity theft, Ive also request a block on my credit report XXXX have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I believe this company is reporting incorrect and incomplete information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX