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

I am writing to formally dispute and register a complaint regarding several inaccuracies on my credit report, including multiple late openings, late closures, and charge-offs, which have unfairly impacted my credit history. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several accounts that have been inaccurately reported on my credit report, specifically in regard to their opening and closing dates, as well as the status of charge-offs. These discrepancies are causing significant harm to my creditworthiness and have made it difficult for me to secure favorable financial terms and opportunities. 

I want to emphasize that I have diligently managed my finances and have not allowed any accounts to remain unpaid to the point of charge-off. These inaccuracies are unjustly tarnishing my credit history and do not reflect my responsible financial behavior. 

I kindly request that you initiate a thorough investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : 1. Verify and correct the opening and closing dates of the accounts in question, ensuring that they accurately reflect my financial history. 
2. Review and rectify the status of charge-offs, removing any accounts that have been inaccurately reported as charge-offs if they are not legitimate. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to rectify these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following late open, late closed and charge off accounts should be corrected or removed by the credit bureaus : DEPTEDXXXX XXXX XXXX XXXX : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
DEPTEDXXXX XXXX XXXX XXXX : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXXXXXX XXXX  XXXX Balance Owed : {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX block, Inc. ( Block Inc. ) due to the inadequate customer service and unfair practices, which violate the consumer Financial Protection Act, CFPA. Specifically Cash App felt 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 in financial laws and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was closed and the errors were not corrected Complaint XXXX SLS continues to ignore the fact that they are reporting a Closed Account as Active which causing me not to qualify for a home loan. Ive been trying so hard with SLS to no avail.. 

I need the information being reported corrected or deleted. Asap. 

Calculated using XXXX XXXX Provided by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Show more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$28000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$23000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$69.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX & Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX + {$1100.00} In good standing XXXX  Reported : XXXX XXXX, XXXX + {$3000.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$3000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX ( REMOVE ) - {$0.00} Closed Overview You have 0 % left to pay on this real estate loan. 

XXXX {$0.00} XXXX XXXX $ 207000 Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX Youve made 99 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Closed Type Conventional RE Mortgage Responsibility Individual Account. 
Remarks Foreclosure Account previously in dispute - Now resolved by data furnisher Times XX/XX/XXXX days late XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Transworld Systems Inc stating all required documentation to be sent so I may validate them and they failed to provide all requested documents.
Product: Credit card or prepaid card

I had a XXXX during football season and it was pretty bad. During my recovery process I wasnt able to receive any income and I struggled paying for anything. Due to it being my sr year that was it and I was kicked into the real world I couldnt apply for any jobs due to my constant XXXX. Im doing better now I recently spoke with the company and explained my situation I even set up payments for the next 6 months I just want the late payments removed from my report because its making it very hard for me to obtain credit
Product: Debt collection

Columbia Debt Recovery has placed a debt on my credit report from XXXX that the original management company representing XXXX XXXX XXXX  waived any payment. I have not lived in XXXX XXXX in XXXX and this couldn't be mine. 
This is arbitrary to have this old four year old case withheld from anything because it was resolved as waived by XXXX and their attorneys in XXXX. The new company, XXXX and their attorneys never refiled or said that I owed anything because they owed me. Moreover, the XXXX XXXX XXXX court heard the case and they lost. [ XXXX ] The company was XXXX XXXX XXXX XXXX XXXX XXXX. Their attorneys never refiled and I didn't either. I have tried multiple times to negotiate in XXXX and XXXX through XXXX of XXXX. 

This company placed this to block me from my further studies and federal retaliation from XXXX and the XXXX. These are the main government entities that knew that this was worked out. 

The new management company, XXXX never refiled this case while they had the opportunity to do so. Now, they have newly placed this debt on my credit and have waited well over four years. This makes it appear that this is new debt and it is not. I'm owed {$5500.00} by this creditor for property damage and personal injuries while in their mold infested apartment and harassment by their employees. This is more of the retaliation and harassment by that group [ See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] This apartment complex and entity are trying to ruin my credit by their friends, that wretched group of misfits. 

Moreover, I don't owe them this debt and it should be removed from my credit report. Also, the judge has already ruled on this case and it was not reheard whether it's owed or not. This current management company don't have any debt that I owe. This is racial discrimination and desperate treatment towards me as a woman of color.
Product: Credit reporting

( The State of California Franchise Tax Board ( FTB ) is the original data furnisher. Please do not refer to XXXX XXXX County records as the FTB should have the judgement vacated based on its records ). 
In XX/XX/XXXX the State of California Franchise Tax Board file a lien with XXXX XXXX county due to missing XX/XX/XXXX filing of taxes. The FTB account number was XXXX. Once I became aware of the issue I filed the XX/XX/XXXX taxes. The State of California FTB then processed the taxes and determined that I did not owe the {$2800.00} that was estimated. I did not have any tax liability and received a tax refund for the XXXX tax year. I ask that the lien be deleted from my credit profile as the final determination by the State California Franchise Tax Board was that I was not liable for the {$2800.00}. In this case, the judgement filed with XXXX XXXX County should be vacated by CA FTB and/or completely removed from my Equifax credit profile. Thank you for your attention to this urgent matter.
Product: Mortgage

This is a follow-up to a previous CFPB case ( case letter and loan number as well as previous correspondence attached ). Cross Country Mortgage took money out of our escrow account and paid the incorrect tax parcel due to an address mismatch. We first informed Cross Country of this on XX/XX/XXXX. Almost a month later we finally received correspondence from Cross Country Mortgage and a CFPB case closure notice indicating that they would refund the incorrect payment to our escrow and that our property taxes would be " completed on XX/XX/XXXX ''. However it is now XX/XX/XXXX and our property taxes have still not been paid, and late fees have now increased to {$600.00}. On top of that, on the servicer 's own website our address is still incorrect ( despite sending both physical and digital change-of-address forms multiple times in the past month ) and the tax parcel ID linked to the supposed payment is still incorrect. I want to note that dealing with this has been incredibly frustrating, since first calling in on XX/XX/XXXX I have made over 20 phone calls to Cross Country Customer Support, sent 5 different pieces of physical mail requesting address corrections and tax payments, and sent countless requests for support via customer email and chat. Not once have I received a non-form-letter reply via email, phone, or the chat system, the only response I have ever received has been the CFPB response letter, and even in that letter the things that were stated to have been done ( aka making the tax payment on XX/XX/XXXX XXXX have still not happened. Since this has occured, over {$600.00} in late fees have been added to my property tax payments, and this amount continues to increase month after month.
Product: Credit reporting

I have never been to XXXX or lived there. I have lived in XXXX XXXX and XXXX XXXX XXXX. What can I do to take those addresses off my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that Ido notrecognizeor authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence.

The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE XXXX XXXX XXXX XXXX  Account Number : XXXX Please DELETE it from my credit report.
Product: Consumer Loan

XX/XX/2012, I terminated an auto lease with Ally Financial. Because I was already in a Chapter XXXX bankruptcy, my attorney amended the current proceedings to include Ally. Ally agreed to the terms of that amended agreement but has continued to report to the credit bureaus a past due amount. I am attaching documents to substantiate my case.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to give notice of a grave matter of concern regarding the unauthorized and uncompensated use of my source data by CoreLogic. 
It has come to my attention that CoreLogic has utilized my source data without obtaining the expressed written permission, authorization or consent, as required under the Fair Credit Reporting Act ( FCRA ). This unauthorized use constitutes a clear violation of my fundamental rights, protected by law under the FCRA, which mandates that consumer data can not be used without explicit consent from the individual. It is widely known that CoreLogic resells consumer credit information and source data for profit and monetary gain, unbeknownst to the consumer/registered owner, unjustly enriching CoreLogic at the consumer 's expense, which the law may consider trademark infringement and identity theft, and an unfair and deceptive business practice, done in bad faith with malicious intent. 
Take note, the source data in question holds a minimum value of {$7500.00} USD. I demand that CoreLogic immediately cease and desist from any further use of my source data and remove all instances of this data from your systems within XXXX business days from the date of this notice. 
Furthermore, I demand full compensation for the unauthorized use of my source data, amounting to {$7500.00} USD. Failure to comply with these demands will result in further legal action to protect all rights and interests. 
Please confirm in writing that you have received this notice and that you will comply with the demands herein within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX BALANCE IS {$5700.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$25000.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$2100.00} THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT, I DISPUTED THESE FROM XXXX   AND XXXX AND THEY ALREADY REMOVED FROM CREDIT REPORT, I MAILED A FRAUD THUR THE MAIL. PLEASE DELETE FROM CREDIT REPORT, THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I un-froze our credit accounts in late XXXX or early XXXX to apply for a mortgage. All of the agencies other than Transunion re-froze the accounts automatically. Transunion said that we had to re-freeze ourselves. I had no trouble with my own account, but Transunion said that, although my wife had an account, they could not confirm her identity on-line, so call XXXX. We tried several times, but could not penetrate the answering system. Then I found a new " customer service '' number, XXXX. We called it three times. Each time we spoke to a customer service rep who said that my wife 's account had been " frozen '' because she gave a wrong answer, which was not true. Each time they put us on hold to check her account. After a long wait we were disconnected, so have not been able to freeze her account. They have promised to call back. They made that promise once before, but did not call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately across all these reporting agencies. I had several late payments on an account that for sure were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late. I've attached a copy of my report to this complaint on the following dates (XX/XX/2024 ). I am not requesting you to investigate this account, and update these payments to paid on time immediately with XXXX and TransUnion, or to be removed all together. Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments for loans over XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.
Product: Checking or savings account

I have enrolled in the promotion when opening a new checking and saving account with Citibank in late XXXX, and have met all requirements set for the bonus of $ 400+ {$100.00} on XX/XX/2019. Then I have waited the full 90 days till XX/XX/2019 and did not receive the bonus. I made an inquiry and revived a confirmation letter of eligibility which I have attached here. Now I am still waiting.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
Account name : XXXX I do not recognize these accounts and reported fraudulent accounts to FTC. 
I demand a XXXX XXXX XXXX to verify the source of information. This account is reporting as a charge-off and Ive had no XXXX presented as well.
Product: Prepaid card

I received XXXX XXXXXXXX XXXX letters from the same company, NETSPEND, to my home address today, each with a different name. I NEVER applied for their prepaid debit services, nor was my name XXXX of the XXXX. I did not contact NETSPEND directly, regarding the bulk solicitation, to avoid the company from gaining access to my personal information. Additionally, I had reported mail fraud to the XXXX & asked for their assistance in what I should do with the XXXX XXXX envelopes. 

I would appreciate your assistance with this matter. 

Thank you.
Product: Prepaid card

Around the XXXX XXXX of XXXX I attempted to make a withdrawal when received a error message that my account was no longer valid. This drew a red flag because my card was still good until XXXX of XXXX XXXX XXXX XXXX. I immediately called Direct Express and was advised to get a new card. Upon receipt of the card I was requested to submit proofs of identification which I submitted only to have them declined over XXXX over again without explanation. This left without access to a substantial amount of money placing me in financial hardship XXXX XXXX XXXX dollars to be exact
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. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, and Account name : 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 an 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 can not connect XXXX  to my PNC account because of PNC 's recent security updates.
Product: Student loan

I have been making monthly payments for Plus loans for my daughter 's education. Between last month, XX/XX/2018 and the current month,XX/XX/XXXX, Navient placed all loans into deferment without my permission. 
My daughter is a married XXXX year old who recently went back to school for her XXXX XXXX. She is employed by a corporation that pays for her education. She has not taken any additional loans. 
I believe Navient is extremely predatory in servicing of student loans. Navient is able to find out that my daughter is taking a college class toward her XXXX XXXX, and have the ability to place loans into deferment without permission. Navient also placed my daughter 's Direct Loans into deferment as well. All automatic payments were cancelled by Navient without permission. 
Navient also changed my original repayment agreement without my permission. 

Thank you, XXXX XXXX