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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 U

SC 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 XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/, Sent a letter to XXXX, XXXX, Experian, And XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my XXXX credit report, I noticed that Mutual of Omaha Mortgage made an inquiry on XX/XX/2021 without my explicit or written consent. They bought my lead from XXXX XXXX, an online site, and ran my credit without my explicit permission or me starting a mortgage application. At no point have they reached out to me and formally asked me to start an application process. So I am not sure, why they should run my credit without my explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim. Someone opened 2 accounts from XXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XXXX {$10000.00} These accounts do not belong to me. I am from Tn. These accounts were opened in Florida using a fl address
Product: Student loan

Date XX/XX/XXXX {$100000.00XXXX XXXX XXXXn from penn Fed due to XXXX XXXX This is the letter i wrote to XXXXenn Fed Credit Union Dear Penn Fed Credit Union I am writing to formally request information on how to apply for the cancellation of my XXXX XXXX XXXX due to fraud and misrepresentation by XXXX XXXX. I recently received confirmation from the U.S. Department of Education that my Borrower Defense to Repayment application was approved, resulting in the full discharge of my XXXX XXXX XXXX associated with XXXX XXXX. Given this determination, I am seeking the same relief for XXXX XXXX XXXX XXXXs, as they were taken out to attend an institution that engaged in misconduct. 
School Misconduct and Misrepresentation XXXX XXXX engaged in systemic financial mismanagement, which ultimately led to its closure in XXXX. Some key findings related to the school 's deceptive practices include : 1. Accreditation Issues & Deceptive Enrollment Practices XXXX XXXX lost accreditation due to financial instability, yet it continued to enroll XXXX without disclosing the risks. This directly impacted my ability to obtain a valuable degree. 
2. Financial Mismanagement & Institutional Negligence A lawsuit filed in U.S. Bankruptcy Court alleged years of " waste, mismanagement, and breach of fiduciary duty '' by the colleges trustees, confirming that the institution was not financially stable during my enrollment.

3. Failure to Deliver Promised Education & Services The college 's leadership turmoil ( having seven presidents in a short span ) led to inconsistent academic policies, a diminished quality of education, and uncertainty about program completion. 
4. Impact on XXXX  Due to the schools closure and loss of accreditation, my degree ( or coursework ) lost value, making it difficult to secure employment that would justify the loans I was forced to take. 
Given these factors, I believe I am entitled to full cancellation of XXXX XXXX XXXX XXXX 
Supporting Documents Included To support my request, I have attached : A copy of my Borrower Defense discharge approval letter from the U.S. Department of Education, confirming that XXXX XXXX engaged in misconduct. 
The discharge notice from my federal loan servicer, which confirms that my federal loans have been forgiven and that I am receiving a refund of payments made toward those loans. 
Request for Next Steps I kindly request that you : 1. Provide me with the necessary process and forms to apply for the cancellation of XXXX XXXX XXXX XXXX 
2. Confirm receipt of this request and provide a response within 30 days.

3. Assist me in identifying the appropriate entities responsible for processing this type of claim.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX account number XXXX please delete this account immediately
Product: Mortgage

TMS claims to have sent me letters about service transferring my mortgage that I never received. I can not see these letters in my web account with TMS and I did not receive any physical letters. 

Example - I never received ( electronic or paper ) the XX/XX/XXXX letter referred to below. This has caused unnecessary confusion and a waste of my time dealing with figuring out who my servicer is, where I send payments to the new servicer and when. 

Compounding the confusion is that in XX/XX/XXXX, XXXX sent me a similar service transfer notice and then backed out of the service transfer. 
-- - You were previously sent a transfer letter from The Money Source ( TMS ) dated XX/XX/XXXX notifying you that your loan was going to be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX effective XX/XX/XXXX. 

The date of the transfer has been changed. 
Effective XX/XX/XXXX the servicing of your loan will be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. 
-- -
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan for XXXX at titlemax, my pay off is XXXX before I can get my title back.I was paying XXXX a month now XXXX a month on my loan.The XXXX I borrowed is going up instead of down right now my payoff amount over XXXX to get my title if I had XXXX cash right now.If not I will have to continue to make payments of XXXX a month for 46 months.nothing is being applied to my interest.i never have any funds in the account to receive extra cash either.my payment supposed to go down not up.i refinance but still this is ridiculous my rights have been violated and iam facing eviction because of this.My name is XXXX XXXX last XXXX, XXXX number ( XXXX ) XXXX XXXX.title max on XXXX XXXX XXXX.I ask for my payment record and they say they can't find it I have been paying on this loan over 6 months now.
Product: Debt collection

I have a collection on my XXXX credit report. When I sent Franklin Collection Services a letter about it they sent me a letter for the item listed. It has the last four of my SSN but the name on the debt does not belong to me. I want this removed immediately. Please see all attached docs. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I attached a consumer report as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy This account was disputed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX I disputed a Bankruptcy on my account that is showing inaccurate information and asked TransUnion to provide me with this information. They have yet to respond to my letters dated XX/XX/XXXX and also XX/XX/XXXX. XXXX responded saying it was thru XXXX XXXX and also checked on their website on where this information will be coming from since they never responded and sent a request to XXXX XXXX for my file to investigate myself. I have received two notices from XXXX XXXX stating they have no file in my name so how are they getting this information? So I have sent them another letter dated XX/XX/XXXX and still no response. 

This public record information is inaccurate and unverifiable. Reference # TransUnion shows XXXX, XXXX XXXX and XXXX shows XXXX. TransUnion shows Court as US Bankruptcy Court, XXXX US BKPT CT FL XXXX XXXX, and XXXX  XXXX. 

XXXX {$1500.00} This account was disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX This account is being reported as a charge off with the date of last payment of XX/XX/XXXX but the payment history shows OK XX/XX/XXXX thru XX/XX/XXXX and have also reached out to XXXX with no response. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX {$790.00} This account was disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX DISPUTE XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Type inaccurate Shows open but comments shows its in collection - please delete this account for inaccurate reporting Date Last Active : TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX This account has obviously been reaged & this account is incomplete and unverifiable with your verification response missing the date of first delinquency which is a violation not supplying the FCRA compliance date. Also have asked you to provide me with the individual you verified this information with on XX/XX/XXXX and still have not gotten a response but an automated response letter with an date of first delinquency XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$160.00} ( XXXX XXXX ) XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$160.00} ( XXXX XXXX ) These accounts have been disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX This account is duplicated and showing on my credit report 2 times with the same information. This is a clear violation and needs to be removed immediately. XXXX has already removed these items from my report but still showing on my TransUnion reports. They sent a verification and shows clearly that these accounts are inaccurate and showing with the same information twice
Product: Checking or savings account

On XX/XX/2023, I attempted to deposit 2 checks into my checking account at Mountain America Credit Union, through the ATM located in the drive through of the XXXX branch. The ATM accepted one check, however it did not accept the other check and when it told me to take it back, it sucked it back in before I could grab it. I attempted to call the customer service line, and was kept on hold for 45 minutes before deciding to get a call back, which I never received.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and using Experian has affected my credit, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

About 1.5 months ago, I applied for a credit card with XXXX XXXX to improve my credit score. I've read and have been advised that getting a credit card would actually boost my score. So after applying, XXXX XXXX approved me for {$1000.00} by issuing me a credit card. Then around the end of XX/XX/2023, XXXX XXXX reported to Experian and XXXX ( and perhaps XXXX ) that I was issued the card/credit. I expected that would happen, with the expectation that it would ultimately increase my credit scores. However, the reality is that both Experian and XXXX actually decreased my score, Experian by XXXX  points, and XXXX by XXXX. I called XXXX XXXX, first, to check into the matter. They advised me to contact the credit reporting agencies. So I then contacted XXXX. They told me there's nothing they could do to increase my score at this time and that it would take some time for it to go back up XXXX  points. I then asked them why my score was lowered XXXX  points by applying for credit through XXXX XXXX, whereas they only lowered my score XXXX points when I applied for credit with XXXX XXXX XXXX. They told me that there's a bigger ( negative ) impact on my credit score with XXXX XXXX because they're a bigger company. 

I'm livid. I not only applied for credit because I needed extra cash, but also with the notion that my credit scores would actually improve. This business practice is misleading. How is it that major credit card companies PLUS these credit bureaus tell consumers to take out more credit to improve their scores when, in actuality, there is a price to pay -- i.e., major decreases in their scores at the onset due to hard pulls on their credit reports? Had I known about this shady practice, I would NOT have applied for credit at XXXXl XXXX. 

As a result of this, I now have to wait a long time for my scores to go back up. And when I checked XXXX XXXX 's simulator, it indicated that paying off my credit card within 6 months would only increase my XXXX score by XXXX  points at best, if at all. 

There's something so wrong with this. I feel I've been cheated.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : I am writing this letter to Dispute certain information that is falsely listed on the credit report listed above.The inaccurate information that appears on my credit report is as follows : US DEPARTMENT OF EDUCATION/XXXX XXXX XXXX : XXXX Opened : XXXX, XXXX, XXXX Amount : {$1000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, XXXX  XXXX, IA XXXX XXXX US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Amount : {$2000.00} Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA, XXXX
Product: Mortgage

I had a Home Equity with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XX/XX/XXXX. However, they did a new update in XX/XX/XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
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 misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

While serving in the XXXX oversees. My Idenity was compromised. The following accounts below were opened up in my name fraudulently. I demand that these items be removed from my credit file immediately. 

I spoke with XXXX- Agent ID XXXX on XX/XX/2019 regarding the accounts below. I asked her why the accounts were not removed despite receiving my FTC report. She stated that I needed to include the account numbers on the FTC report to have them removed on a recorded conversation. My updated FTC Report attached to this complaint now has the account numbers listed on them for removal. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO REMOVE XXXX FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX  AND XXXX XXXX. XXXX WAS ABLE TO PROPERLY INVESTIGATE AND VERIFY THAT THE ACCOUNTS INDEED NEVER BELONGED TO ME SO EQUIFAX HAS TO DO THE SAME BECAUSE THE ACCOUNTS ARE NOT MINE. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XX/XX/XXXX2017.  For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ACCOUNT NUMBER- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law
Product: Credit reporting

XXXX was available but the system would not allow me to download the others but instead created a endless loop to no where. So I see after the fact I should have requested all three report by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, and Equalfax my payment history is incorrect. It needs to be updated and removed for late payments. The companies that were paid in full like XXXX XXXX and XXXX  and XXXX XXXX XXXX XXXX payment history is wrong. My payment history for XXXX XXXX needs to be updated as well. The Balance is incorrect for all three bureaus. My credit score should be updated.
Product: Debt collection

There is a collection listed Credit Management for XXXX which was just seen on my credit file. I have no idea what this is for nor ever received anything about this, I requested validation via the mail and received NOTHING back. I have disputed this and nothing. I do not owe this unknown company anything. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were XXXX different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX Loan continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau XXXX -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit XXXX XXXX XXXX The Consumer XXXX XXXX XXXX XXXX and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the XXXX. Codes which I believe that XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXX has been like this for a long time, yet, XXXX XXXX continues to falsely verify as accurate. This has to stop at once!