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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase on XXXX totaling {$91.00}. The third party merchant is XXXX XXXX 's. Unfortunately, the merchant is saying the product was delivered to my home address however I never received it. Because I did receive several other packages around the same time, this is likely a case of the shipping provider marking the item as delivered but accidentally left it in their vehicle. 

I initially tried to contact XXXX to work out with them but they refused and told me to file a chargeback with my credit card company ( attachment # 1 ). 

I've tried twice to file a dispute with American Express but they continue to rule against me. 

I DID NOT RECEIVE THE ITEM. The item was either left on the vehicle and mark delivered OR the box was stolen. Either way, I REFUSE to pay for an item I never received.
Product: Bank account or service

US bank has not only breeched my security by giving someone the balance on my account and allowing them to make a small deposit to cover a check that was not suppose be cashed until I notified them on the deposit I made on the following Monday. They also allowed someone to stop payment and reverse the charges 11 days after the check cleared the bank. Now that person has the goods that I provided them through my business and the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX for XX/XX/XXXX shows XXXX XXXX services on that report in which payments were made and account is paid off and closed. 
Experian report # XXXX for XX/XX/XXXX does not show XXXX XXXX XXXX as if it's been deleted by Experian for no reason after I made payments on time and the original credit amount {$3200.00} was the original amount. I also want to no why an account just open XX/XX/XXXX paid payments was deleted and for what purpose. I'm also filing a consumer US Attorney office complaint on Experian reporting and how it effects one credit not reporting creditors on time and trying to say it them when it's Experian not updating things for months and other issues adding address of duplicates address of more address or the wrong employee. I have reports going back for over 18 months with the same issues added address wrong employment and various other issues that takes Experian too long to clear up after the creditor done mail me the copy and replied back to the CFPB, FTC, and other agency that I filed on Experian practices. Experian always has some lame excuse some computer generated XXXX as a reply with noting justified or or documentation to back up the response.
Product: Credit card or prepaid card

I would like to file a complaint against the " Capital One Financial Corporation '' On XX/XX/XXXX I replied to an offer and applied for a new credit card with them. I then contacted them to see how long it will take for me to receive the new card. Without my knowledge and authorization, the representative reported the card stolen and sent out a new one. After I received the original card I tried to activate it on XX/XX/XXXX and found out that my account was locked and that I needed to submit a copy of my ID, bank statement and social security card, over an internet link. I had concerns over security of this upload but agreed under condition that this information will be destroyed after verification, and not stored in this company systems. This company has a record of lax security and major breach in XXXX, not to mention my personal experience of their incompetence, and lack of proper disclosure. They said it would be done but that they could not provide this in writing, and did not agree to have this promise recorded. I then asked about the option to refuse and have the account closed, but they told me they would not retract the two hard credit pulls they did to open this account. The replacement card has not arrived yet. 

Including this incident and a savings account I used to have with them years ago, which was also mismanaged, as far as my experience is concerned, I do not see how this company keeps its license to practice business.
Product: Money transfer, virtual currency, or money service

I have XXXX and have a representative payee service. The payee service is conducted through a public sector mental health agency called Recovery Resources. We are in XXXX, Ohio. The representative payee service is called XXXX. The objective of the company is to allocate weekly pay from monthly XXXX payments from Social Security. 

I normally get around {$76.00} per week. Today, I only received {$14.00} and last month I received {$73.00}. I also suspect that every week there has been a different pay amount. This was vastly different enough to notice clearly, this morning as about {$58.00} is missing from the payment. 

So, I would like someone to check if the payments have been unfair as I know that social security payments fluctuate somewhat, based on month-to-month. Secondly, what can be done about the missing money for this week? 

To include dates, the {$14.00} too-low amount was deposited today on XX/XX/20. Last week, {$73.00} was deposited on XX/XX/20. Other dates I do not seem to have record of. 

XXXX is the employee at Recovery Resources who establishes the money through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows as a missed payment on all 3 Credit Reporting Companies : TransUnion, XXXX, and XXXX. 

The Company XXXX XXXX has a miss payment date in XXXX of 2022 for all 3 credit reporting companies. 
I disputed online all 3 with the XXXX XXXX payment with incorrect information on each report. The information was corrected, but not the payment error. 

The payment was due on the XXXX of XXXX of 2022. Included are to papers that show that the payment was received days before the due date. It was sent via electronic check to XXXX XXXX 's bank account for full payment closing out the account. 
XXXX XXXX was notified via phone multiple times 2 weeks in advance. XXXX XXXX normally will freeze the account upon payout funds received. 
XXXX XXXX had the payment funds sent into their account from XXXX or XXXX. The funds were seen by the Customer Service and bank, and cleared on the on time. 

Added is a letter from XXXX XXXX showing the Payment was cleared for the Due Date. 
Added is a Receipt showing payment of the electronic check sent to XXXX XXXX days before the due date.
Product: Debt collection

Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX where they stated they couldn't find remarks I was looking at on my report. You are thieves!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been working with SPS for a loan modification application. On XXXX XXXX, 2018, a letter was sent regarding the decision reached on behalf of SPS and the investor of the loan. The letter specifically states that " please note, income was not required nor considered as part of our evaluation. '' and it proceeds to state the reason for the denial is due to NPV. It continues to state that the NPV calculations are calculated using certain financial information about me and my account. It states that certain key factors such as property value and monthly gross income play an important role in the calculation. So how can I be provided a denial and told my income has nothing to do with it then being told it has everything to do with it? The only option I am being provided with is a short sale or deed in lieu. I was even denied a repayment plan because they feel I can not afford it, they did not even offer or give me a chance to see if I can. I will do anything to save my home and feel I am being set up for failure.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I talked to XXXX finance and we came to an agreement to delete an account off my credit they directed me to dispute the account again with all three bureaos and on XX/XX/year> I dispute that account with experian and on XXXX the XXXX they verified the account which leads me to believe they are not doing their job and did not reach out to XXXX. XXXX only agreed because in the settlement contract we have they said they would send me the title to the car and they couldn't uphold their end of the settlement so they agreed to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XXXX 

XXXX {$7200.00} ( XXXX  Transunion, and XXXX )
Product: Consumer Loan

Westlake Financial is reporting that I owe their company for a vehicle that I never purchased. Westlake is reporting inaccurate information on my credit report and I want it removed immediately! I have sent this company several debt validation letters via certified mail and regular mail and I have not received or heard anything from them. I have never purchased anything through this company and I do not owe them anything.
Product: Credit reporting or other personal consumer reports

To ARS & XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX File # XXXX You are required by law to report accurate information ... the information you are reporting has the wrong addresses, therefore it is inaccurate. I understand that under 15USC 1681i ( a ) ( XXXX ) ( a ) you are required to complete the reinvestigation within 30 days of receiving this notice. 

Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove The information listed above is inaccurate and does not reflect my true credit file, in accordance with 15 USC 1681i ( 1 ) ( a ). I am requesting that you immediately remove those files The addresses you have on these reference are not my address, my address is XXXX XXXX XXXX, XXXX XXXX AR XXXX ( ONLY )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I found out that Equifax Credit Bureau had my deceased former husbands debt on my credit. A loan or a credit card I never heard of owing about {$4500.00}. About $ XXXX XXXX added on by now. We separated XX/XX/XXXX when a XXXX signed an XXXX. The debt from that time to his death XX/XX/XXXX is not mine. I called Equifax on XX/XX/XXXX and filed a complaint over the phone. I faxed over a copy of my Drivers License, SS card, and his Death Certificate and a hand written complaint to a number I was told. I called back XXXX XXXX to see if his debt was off my credit report. Equifax said I never called and complained and never received my fax. The fax number I was given was wrong, so I faxed the XXXX copies and complaint to a different number. A few wks later, I called and was told they do not receive faxes due to privacy reasons, only accepts mail. Then, I mailed out the copies. I called back a wk later, I was told no mail from me. Representative said call back 10 days later, I did. Equifax still had no record of any complaints from me all this time. No faxes or mail from me. 
XX/XX/XXXX, I sent a letter to the office of XXXX XXXX. 
Now Im here
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I've been mailing a personal statement to Experian at the address on their investigation report as required and ensured that my statement was under 200 characters. Every time, I mail in a consumer statement they do not add the statement to my credit report they simply reinvestigate the item and arrive at the same results. Today, I called into Experian and was finally able to speak to a representative who transferred me to another representative who said she had to " type '' my customer statement for me. She then stated that she couldn't say " type '' what I wanted on my statement. As this is my statement and it didn't contain any PII she should have typed my statement as I read it and applied it to my credit report. I should actually be able to add my OWN personal statement to MY credit report without intervention from anyone else. Today, I see again that a new investigation has been submitted and the statement is still not on my credit report. I'm so tired of the games with Experian & XXXX. What hoops do I need to jump through as a consumer to have a personal statement added to my account? Why is taking several months to have a statement added? Why am I not able to write my own personal statement? This is my 5th request to have one statement added.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Product: Credit card or prepaid card

I was a victim of credit fraud when I was traveling overseas. My credit card from bank of america was stolen when I was in XXXX. I had contacted the bank and reported that the card was stolen and was used by somoeone else, and closed the account right away. Bank of america opened a claim in ( claim number XXXX ). However, they denied to provide a claim stating that I did the charge which is not true. 
Bank of america did not do a proper investigation, and the charges after XX/XX/XXXX are not mine. I explained multiple times to bank of america, to many representatives that my last transaction was in the amount of {$7.00} on XX/XX/2023 at XXXX XXXX. 
To my surprise, they did not return me the funds which were charged after that transaction. The total charges add up to over {$770.00}, and bank of america did not cover the liability they are supposed to cover. 
I am asking you to interfere and ask bank of america to do a proper investigation and return me the fraudulent charges which are not mines.
Product: Money transfer, virtual currency, or money service

I have Paypal for years, never had a charge back and have been selling on XXXX  for years ( user XXXX ). 

Recently sales gone up and paypal decided to lock my account and ban me, i have US {$9.00} locked and they say it " might '' be returned in 180 days. 

My paypal case is XXXX, account XXXX This freeze of funds totally crashed my business because I buy and sell vintage watches. All the funds i have are legit and are all cleard. Paypal can ban me but has to give my money as I have bills to pay and zero " bad '' track record. 

I believe they did on purpose ; why didnt they lock the account with XXXX? only when it reached XXXX usd?