23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.
Product: Credit reporting or other personal consumer reports

On XXXX  i have sent a dispute out to Experian about inaccurate items that were being reported on my credit report. They took over 30 days for a reinvestigation for the XXXX time to finally respond just to tell me they have verified that the information being reported was correct but I have sent in my credit report and stated the inaccuracies. The account had different reporting dates as well as incorrect terms, and invalid incorrect payment statuses. Experian has failed to provide with documents on what process they have used to verify the accuracy of the accounts listed in my dispute. 

I have sent Experian multiple documents of inaccurate items reporting to my credit report. I have gave you the reason the following account was inaccurate and sent a copy of my credit report that was reporting inaccurate information for fact so with that being said you are officially in fact VIOLATION. 

YOU ARE NOW IN VIOLATION Pursuant to 15 U.S. Code 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any informa1on rela1ng to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such noticed, that specific information is inaccurate ; an ( ii ) The information is, in fact inaccurate.

1. The payment status is incorrect, this account was not closed XXXX XXXX It is inaccurately reporting that the last payment was received XX/XX/XXXX as well as it being closed XXXX XXXX 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The payment status on this account is incorrect. You are reporting tin the payment history that the account was 60 days past due after being 90 days past due in XXXX but in the payment status reporting the account has been closed and is 30 days past due. This account is in FACT reporting inaccurate which is a violation stated above. 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. This account does not belong to me ( PLEASE DELETE ) XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submission of complaint : XXXX CFPB, 1. I had a 2-year Flex Loan with XXXX. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. 
Months passed and it was not reported on any credit reporting agency ; XXXX, Experian, or XXXX. With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 

2. I have contacted XXXX multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. 

A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 

3. I have contacted all 3 Credit Bureaus. 
a. Websites : Disputing the omission of my 2-year flex loan through XXXX. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. 
b. Phone calls : Several with no action. 
c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, XXXX is still NOT listed on my personal credit reports.

4. There has been no resolution as of today. XX/XX/XXXX. 

4. Attachments enclosed XXXX XXXX
Product: Mortgage

In late XX/XX/year>, I scheduled my Mortgage payment online with my Credit Union to XXXX as I have been doing since I obtained the loan. The amount was XXXX and was expected to be paid XX/XX/year> and it was paid on that date. In late XXXX, I scheduled an XX/XX/year> payment in the same amount XXXX to XXXX and was debited on that date as I recently learned my loan had a new service. Later on XX/XX/XXXX, I scheduled a XXXX payment for XXXX for XX/XX/year> which was paid. I noticed on my bank account there was an irregularity with my checking account an extra {$4000.00}. I looked at my XXXX XXXX and found that my payment on XXXX was paid and unnoticed by me was redeposited without my knowledge into my checking account on XX/XX/year>. Why did they not FORWARD it to the service? Upon noticing what happened I paid XXXX XXXX and was debited on XX/XX/year>. I Paid every payment on time or more likely early. I am never late and pay my promptly. I never received notice till late XXXX of my new service Information. Thanks For your help in this matter. I can provide my Bank Statements.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding a student loan that is reporting on my credit account but is too old to still be on there. The account was delinquent in XXXX which I confirmed with the creditor. It was sent to their collection company in XXXX. At this point the debt is too old to still be reporting on my credit, but Experian refuses to remove it. XXXX and XXXX have both removed the debt due to it being past the statute of limitations. I don't think they have properly investigated my claim and they refuse to take my documentation that I received from the creditor into consideration. Every dispute I have filed they have come back with a different story ; its an active debt, not a collections or past due debt, the last payment date keeps changing, they said that they can only take information that is given from the creditor, not my evidence. I have been punished for almost 10 years now from this debt and it is keeping me from buying a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card XXXX Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

I look forward to your prompt response and thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have a XXXX private loans that belonged to XXXX XXXX, now Navient. I did not pay them for atleast 2 years due to being unemployed and financial hardship XX/XX/XXXX-XX/XX/XXXX. I started paying them 2 years ago ( XX/XX/XXXX ), was put into a rehabilitation program for my Federal Loans and passed through it. My private loans, however, still say that I 'm 19 payments behind and are in collection on my credit report. I have called Navient numberous times to try to settle my judgement on one of the private loans and to set monthly installments to settle the other debt. They only say to " keep doing what I 'm doing. '' and that I 'm in good withstanding. This is saying one thing to me, but on the reports, they are destroying me!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my balance on cashapp was {$45.00}. On XX/XX/2020 my balance is -XXXX, There is no record of any transactions. So {$45.00} just went missing and there is no one to speak to or even a way to communicate this to them. It is my honest belief that CashApp stole my money.
Product: Debt collection

I had XXXX  auto insurance. A 6month policy. I move and change my address.right before the 6 months before it was Time to renew. I paid my car insurance up to that last month. When it was time to renew it. I canceled it and did not renew it. I got another car insurance. Now a debt collector from credit collection services at XXXX XXXX XXXX is harassing for XXXX for a car insurance that I never renewed and canceled in XX/XX/year>.
Product: Credit card or prepaid card

I have been going back and fourth between The EDD and the BOA taking turns waiting and verifying every time I get transferred and then get put on hold and either get hung up on. Or they tell me to call my sponsor. I call my sponsor they tell me call the BOA. All day long for three weeks straight. I have contacted Assembly Man XXXX XXXX abut this matter. I have been treated rudely, I have been hung up on after waiting on hold for over 2 and a half hours every time. Just to be hung up on. I had payments sent to that account and during the time my card was locked and pending verification. Well any funds that where put there between and XXXX all the way until XX/XX/XXXX I believe. The bank did not start denying payments from the EDD as of XX/XX/XXXX. It is really plain to see that my card was locked and funds were being removed. If the account was locked and card locked how did the funds get moved. I am tired of getting a run around I really need my payments and think it is really unfair that I have been waiting a very long time for my payments and here it is now XXXX about to be XXXX and still waiting.
Product: Mortgage

Nationstar financial aka Mr. Cooper Mortgage company withdrew the entirety of my XXXX checking account. They took out our monthly mortgage six times.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I called XXXX Vacations and purchased an all inclusive stay at a resort XXXX nights. I was suppose to receive an email with the receipt and access to book to the hotel. I never received the email. I called the merchant few times to verify my information and the guy on the phone kept telling me that it will come, it will come etc. It never came. I noticed the charge on my account and immediate report the activity to Wellsfargo.
Wellsfargo told me that since they received a sign contract that I was liable for the charge. I never signed any contract. I never received any email. I call Wells Fargo has the card cancelled and proceeded with there dispute department ( all of which they claim is recorded and document ). The lady on the phone told me that " no one would care that Wellsfargo was stealing from me. '' Please see the attached. 

My signature is very distinct. I have worked on it since I was XXXX years old. The loops in the cursive XXXX XXXX I get from my mother. My bother also does the same thing. Please see attached.
Product: Vehicle loan or lease

Have contacted Innovate Loans multiple times to see why our loan is not showing up on any of the Credit Bureaus. Always told that they can fix it, that there was a glitch in the system. Never get a direct solution. This has been going on since XX/XX/2022.
Product: Vehicle loan or lease

I Bought a car from Carvana and it was the most horrible Car buying experience. Where do I start first of all on day 8 I find out that the motor was blown. Ok I understand So they tell me they are going to put me in another car. That was a complete Lie, I called back and they phone rep tells I am stuck with the car, She advises me that XXXX the warranty company will handle it from here on out and not to call carvana or her any more. So I ask to speak to a supervisor and it seems like they are playing games. Here is what drives me crazy the warranty company says they will put in a used engine from another car that has higher miles then the car that I bought. ( where do they do that at I said ) They will switch my engine out with an engine that has higher miles how convenient OMG. There is more to the story So I called and recorded the call with some agent named XXXX which I posted on my XXXX XXXX what a joke she says she makes the decisions for caranna. Wow Such a racket if you think the old-school way of buying cars was flawed. Wait to you try carvana. I have bought many cars in my life and worked for dealers. I guess they pull the wool over your eyes with a great big vending machine it's no different that the inflatable dancer Just comes at a higher price. Before you purchase or do any business look at what's going on in the media XXXX they are banned from doing business in Illinois and other states. I just wanted to buy a car for my daughter. The problem with carvana is they buy junk cars and got no place to service them they just send out to public and pass the buck to their sister company that makes the money off the warranty repairs XXXX a racket. Carvana is owned XXXX XXXX XXXX, The Father owns XXXX XXXX The finance Company which owns XXXX XXXX. Here is the kicker They own XXXX XXXX WOW What a racket
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling disputes, specifically in the recent CFPB lawsuit with all the issues within this platform has. Despite using Zelle countless times and reporting my complaints and concerns Zelle has failed to help me resolve my claims. Zelle has neglected protecting its consumers and let the scammers take our hard earned money. For sure Zelle needs to be held accountable for not assisting the needs of their customers.
Product: Mortgage

Sent the below to Senior Executives of Wells Fargo Bank, and this is a cc to you, CFPB. Thank you for helping us. 

We will continue our efforts to connect with Wells Fargo 's senior management to communicate the following : 1. We 've been trying to have Wells Fargo review the foreclosure/modification of our loans for many years, to no avail. 
Multiple QWR 's have been ignored. We 're still waiting for complete copies of our loan documents for both loans that we are legally entitled to ; most importantly, copies of the governing documents for XXXX ( i.e. XXXX XXXX XXXX by-laws, article, budget, minutes of homeowners meeting, etc., etc. ) which a group of XXXX loan agents had approved and the XXXX loans that were underwritten by XXXX XXXX. 
2. Investigation and review of such egregious violations may lead to identifying individuals that are breaking the laws for their personal gain, in particular, through their relationship with XXXX. 
We look forward to hearing from someone in senior management and/or someone from Wells ' Legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$1700.00} XXXX XXXXXXXX {$480.00} XXXX {$590.00} XXXX {$620.00} XXXX {$1700.00} XXXX XXXX {$0.00}
Product: Checking or savings account

My mother, XXXX XXXX XXXXXXXX passed away XX/XX/2022. She had a checking account with US Bank which I attempted to close starting on XX/XX/2022 when I sent the requested death certificate, power of attorney and my identification to XXXX XXXX XXXXXXXX ( XXXX ) I received an auto reply directing my to make any further requests to US Bank Life Events. I have sent additional emails and left phone messages with US Bank Life Events throughout XXXX with absolutely no response other than 1 generic email sent XX/XX/XXXX stating that someone from US bank would contact me which no one has.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX I attempted to withdraw {$500.00} from the Chase ATM machine located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX using my stimulus check debit card but the machine malfunctioned and did not dispense the money or reciept. The balance of the card reflected the missing money. I am requesting help to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance obtained a copy of my credit report on multiple occasions that I did not authorize. Dates are as follows : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018. I did not authorize any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian about the inaccurate reporting on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Experian and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. and if the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30days. This inaccuracy that Experian is reporting to my account should be deleted promptly or I will file for litigation for the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is all Correspondence that have been ignored and not rectified by Transunion Exhibit 1 ( certified mail XX/XX/XXXX ) Exhibit 2 ( certified mail confirming delivered XX/XX/XXXX Exhibit 3 letter from XX/XX/XXXX Exhibit 4 letter from XX/XX/XXXX Exhibit 5 ( company has no legal authorization to even collect in the state of NJ ) Please delete all Account as 15 USC 1681b permissible purpose should not be ignored! 

I will make a next complaint with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

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

hi there - I needed to apply for a background check and wanted to make sure that everything is good on the three credit reporting agencies. I went to XXXX and was unable to download my reports. 

Since I needed the reports I went to experian and created an account with them. Surprisingly these credit reporting companies are more than happy to provide all the information on their website. 

I signed up for their trial and after that now I am bombarded with emails. I want to cancel the account. I tried calling experian number provided- XXXX multiple times and can not get a live person at all. 

Please help in escalating and making sure that they cancel the account. I went into my account and all I can see is sign up for their service. No way to sever ties with them. This is unfortunate and should not be allowed.
Product: Credit card or prepaid card

I am a business owner and during COVID our business has declined by more than 57 %. Chase bank is not willing to work with me in lowering the payments that I can not make. Because of this, my credit score had dropped to XXXX and I am struggling to survive. The is a XXXX-dollar company and the credit card balance is around {$7800.00} which is nothing to them.