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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across XXXX, Experian, and XXXX. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from Experian and XXXX while accurately reported as XX/XX/XXXX, by XXXX. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
XXXX adds unnecessary remarks stating, " Closed or paid account/zero balance XXXX, '' which is not consistent with XXXX and Experian. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected. 
Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement. 
Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from Experian and XXXX XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " XXXX  days late '' XX/XX/XXXX : Incorrectly reported as " XXXX days late '' XX/XX/XXXX : Incorrectly reported as " XXXX days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with XXXX, Experian, and XXXX. 
Written confirmation from each credit bureau stating that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXXXXXX XXXX Account XXXX Must be deleted XXXX ) XXXX XXXX XXXX XXXX Account XXXX Must be deleted These are Fraudulent accounts are reporting on my Equifax credit report for more than Ten years. By law, credit bureaus are only allowed to list negative items for only 7 years. These accounts Must be DELETED NOW.
Product: Checking or savings account

Please note, all communication took place on the CarVana chat engine and I have preserved all chat conversations for verification of the below. 

A deal to purchase a car ( XXXX XXXX XXXX ) began on Saturday, XX/XX/XXXX. The deal fell through on Monday, XXXX due to a Carvana agent not providing accurate information of what was needed ( payoff letter contained a po box and Carvana needed an overnight address ). When I asked if everything was received it was at that time XXXX told me I needed to obtain a new payoff letter. I obtained within the hour however Carvana cancelled the deal and I had to redo everything, which also changed the car delivery date from Wednesday to Friday, which did not work for us b/c we had a daughter going off to XXXX  and needed the vehicle for her to take with her. 

Carvana charged my XXXX XXXX Checking Account {$690.00} on Saturday, XX/XX/XXXX. I canceled the deal on Monday XX/XX/XXXX and was told the {$690.00} shipping fee would be returned to my account. 

On XX/XX/XXXX I initiated another chat because the refund was not received. I was told by XXXX the refund was initiated and I should have in my account no later than XX/XX/XXXX. 

As of XX/XX/XXXX the refund has not been received. 

XX/XX/XXXX I initiated another chat and was told by XXXX he had to create a manual ticket for the treasury department to process and it should take another 10-15 business days. I inquired why the original refund didn't process and his explanation was " for some reason the refund was not processed ''. I told him I would be filing both a CFPB and a XXXX  complaint today. He ended the chat immediately.
Product: Debt collection

Good afternoon, I am filing a complaint against the LVNV Funding for placing a Bank Account Levy on my husband 's account. This took place on Wednesday, XX/XX/2019. XXXX XXXX stated they had a court order, which I never received any paper work stating I was being sued. I just received in the mail on Saturday, XX/XX/2019 a letter regarding to contact Mr. XXXX XXXX-XXXX to make payment arrangements. This letter was received after Levy was already put on my husband 's account. 

My husband had {$1200.00} in his account, which is frozen at the moment. This was done on Wednesday, XX/XX/2019. The Levy was on me for a credit card I had before our marriage. My name is on the account for emergency purposes and due to I pay the bills using my husbands account. I do not have any funds going into that account. I send my husband {$1000.00} a month for my part of the rent. Other then that, there's no other monies of mine going into this account. I have stated this to them several times. I have submitted all documents they requested proving that the funds in this account belong to my husband. They have requested 3 months of bank statements and I sent 4, then they requested copies of his pay stubs, which I sent them 5. After sending every request to them I had to wait 3 hours to contact them, and when I did it was never sufficient. This third party LVNV is requesting information we can not give them. They are requesting for a bank statement showing when the Levy took place, which does not show on my husbands statement. We went to the bank and requested a copy, but they denied us a copy. XXXX XXXX stated we needed to wait for the copy they mailed to us. We told XXXX XXXX this was needed immediately and could not wait for the copy that was mailed. We were continuously denied information on my husband 's account. 

The Credit Card I supposedly was sued for was XXXX XXXX, which was bought by LVNV Funding/Attorney XXXX ( a third party ). 

I have attached the letter which I mentioned above, which was the only letter I received regarding this matter. Also, as I mentioned above, this letter was received after the fact of freezing my husband 's account. 

The docket number is : XXXX XXXX Respectfully Yours, Mrs. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX  XXXX has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you
Product: Money transfer, virtual currency, or money service

I am filling 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 for these violations.
Product: Debt collection

On XX/XX/XXXX I noticed around XXXX points were deducted from my credit score. 
XX/XX/XXXX : I saw that on XX/XX/XXXX ATG Collections had opened a derogatory account against me attempting to collect {$650.00} in medical charges from a service in XXXX. 
XX/XX/XXXX : I called the original creditor, XXXX XXXXXXXX, and they confirmed with me that my account has already been resolved with remaining balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX and was also told my balance has been resolved as well. XXXX said that I as a XXXX  patient am not financially responsible for any medical bills and that even in the event that my insurance does not pay ( in part or in full ), the creditor must absorb the rest. They have sent me a " Resolution of Your Grievance Request ''. 
I also called ATG and they told me that XXXX XXXX would have to directly contact them to confirm the resolved account. XXXX  XXXX told me that ATG would have to contact them directly to request that. It has been a back and forth ever since with neither side willing to contact the other directly for confirmation. 
Between XX/XX/XXXX and XX/XX/XXXX I called and asked ATG for verification of debt. They emailed me an itemizied statement from XXXX  XXXX that showed the charges, the sale of debt write off to ATG and the subsequent insurance payment/settlement. I have attached this document below. 
XXXX : I called ATG and asked to speak to their manager XXXX. She was unavailable and told her rep to tell me that this itemized statement from XXXX  XXXX was not acceptable. She insisted that only an EOB from my insurance would be accepted as proof of my resolved account. XXXX XXXX said that this was the responsibility of XXXX XXXX who fall under XXXX XXXX. Their investigation showed that this bill was not found in their system. They called XXXX  XXXX and spoke with XXXX on XX/XX/XXXX who said the issue with my account has been resolved and now shows {$0.00}. 
From XXXX I have opened 4 disputes online : 2 with XXXX, 1 with XXXX  and 1 with XXXX. Both XXXX  disputes came back incorrectly showing I still owe {$650.00} to ATG. This is misrepresentation and ATG seems unwilling to update my account and stop trying to collect from me despite documented evidence provided to them.
Product: Money transfer, virtual currency, or money service

I sent XXXX USD to Coinbase via a wire transfer on XX/XX/XXXX. I have not received it not has it been returned. I have opened tickets and called them, but they have given me the run around. This is scam behavior.
Product: Credit card

I am writing to formally file a complaint against Digital Federal Credit Union ( DCU ) regarding their handling of a balance transfer that has resulted in unexpected cash advance charges. 

In 2018, I was advised by DCU to open a new credit card account to transfer the balance from a joint credit card with my ex-wife, who was using it without my consent. I followed this guidance, believing it was a straightforward balance transfer. 

Recently, I learned that this transfer was classified as a cash advance, leading to daily interest charges. I was not informed of this classification at the time, and the response I received from DCUs Member Service was unsatisfactory, failing to address the lack of transparency regarding their policies. 

I am requesting your assistance in investigating this matter, as I believe the bank 's policies were not clearly communicated to me. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!
Product: Debt collection

I noticed this account when I viewed my credit report on XX/XX/2020. On XX/XX/2020, I sent them a letter through certified mail requesting validation proving that I am indeed the party they are seeking for to pay this debt, and if there's some contractual obligation that is binding on me to pay this debt. They received the letter on XX/XX/2020. They then sent me a letter that i received on XX/XX/2020 with insufficient validation. I'm requesting that all references to this account be deleted and completely removed from my credit files and a copy of such deletion shall be sent to me immediately. 

Thank you.
Product: Checking or savings account

On XX/XX/XXXX Navy took upon themselves to unexpected pay merchant XXXX XXXX {$310.00} out of my checking account ending in XXXX that was not authorized by me. Per Navy FCU, I didn't revoke my rights for an recurring debit charge, per Spectrum Charter Terms and Agreement. As I explained to Navy FCU that I have a card on file for a recurring debit and that my card # XXXX was not that card and the last time I used the card for a payment was back in XXXX of 2024, when I requested my debit card to be used as a XXXX Time Payment method and I was told by Navy FCU that if I used the card in the past before that the merchant can still used my debit card. I sent Navy FCU all of my monthly payments of how and when this specific Merchant has been paid by me and the {$310.00} was still charged to my account which gave me a credit with the merchant for the month of XXXX instead of allowing me to make my own monthly payment as I do on the of XXXX of each month. When speaking with an unknown disrespectful manager took upon herself to tell me that the merchant had been trying to get paid from my account since XX/XX/year> as I explained to her that merchant is paid from another payment method but she insist on incriminating against me as if I was lying. What this charge has caused me was a additional month behind in my car payment due from the last 2 Hurricanes that took place in Florida, by NAVY FCU taken upon themselves to go against me a member who has been doing business and banking with for almost 9 years, I feel disrespected by the decision that was made towards my creditability of paying my bills. I have requested someone to contact me about this matter and the matter has been closed and not resolved, I paid NAVY FCU 3 times on this XXXX charge of Overdraft protection.
Product: Credit reporting

I called TransUnion and XXXX in regards to the XX/XX/XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XX/XX/XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called TransUnion and XXXX, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate personal information on my consumer report. Ive sent them a certified letter to remove and update the inaccurate personal information from my consumer report and theyve failed to comply with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I set an initial fraud alert with XXXX and was told they would share this request with Experian and XXXX. 

A couple days ago I received a document from Experian dated XXXX/XXXX/XXXX indicating that an initial security alert was added to my credit file. So far so good, the system works! This letter stated I can receive a free copy of my credit report by visiting their secure Web site. During the information entering process on XXXX/XXXX/XXXX the website crashed and kicked me offline. When I went to the secure Web site the second time to request my free credit report, and after the majority of steps were completed, I was told I was not eligible. I understand that these glitches happen so on XXXX/XXXX/XXXX I called Experian to discuss the issue with a representative. Unfortunately, every published number directs you to a automated system with no options that address the problem and no option to talk to a human!!! Of course, they provide plenty of opportunity to PAY for my credit report, the credit report that should be FREE! 
This really is a relatively straightforward issue that could have easily been resolved by talking with a customer relations person. However, since Experian does not seem to have any human customer service personnel, and after several unsuccessful attempts to contact a human at Experian, I had no other choice but to file a formal complaint. 

Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report and I can't figure out why. I checked my report like I normally do, but this time there were discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changedthe accounts stayed there. Now Im left feeling uneasy, and I need the documents I sent to be reviewed carefully so that I can put this behind me for good.
Product: Credit reporting or other personal consumer reports

My student loan was opened in XXXX my credit reports list the loan was acquired in XXXX. I finished school XX/XX/XXXX. All XXXX agencies keep replying that the information is correct. It is Not
Product: Credit reporting

On XXXX XXXX, 2016 I became aware that I was apparently a victim of identity theft. I have filed multiple cases for both the individual creditor 's and all XXXX credit reporting companies one of which was Experian. As of this morning, there are still ( XXXX ) accounts and ( XXXX ) previous addresses associated with these accounts that are still reporting on my credit file. While I have mailed, uploaded my identification documents and even faxed my documents to the Fraud department for Experian, as of yesterday I am still being told from the Experian Fraud department that they need to have my identification to properly dispute these final items. I have spoken to these ( XXXX ) creditor 's and they have all assured me that my information does not match the information they have on file for these accounts and that I should dispute these accounts with all XXXX reporting companies. At this juncture, I have already have these accounts removed from XXXX and XXXX and am trying again to have Experian dispute these as fraudulent in hopes that it will finally be removed from my file. Please take the necessary steps to re-dispute these accounts along with the personal information associated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. ONE MAIN REPORTED A BANKRUPTCY REMARK ON MY XXXX CREDIT REPORT. NEITHER ONEMAIN NOR XXXX VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. ONEMAIN DID SEND A LETTER TO ME ON XX/XX/XXXX, SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
XXXX INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH XXXX, NO OTHER REPORTING AGENCIES. ONEMAIN SHOULD NOT BE REPORTING FALSE INFORMATION AND XXXX   IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!
Product: Debt collection

I called American Collection Enterprises , Inc. today 3 times. I originally received the phone number from the medical provider I owed the balance too. I spoke with one guy at ACEI who transferred me to a woman name XXXX XXXX who was very rude. I asked her how can I receive a copy of the letter which they stated was mailed to me in XX/XX/2020, which I informed them I never received. Because of the back and forth conversation I asked to speak with her manager, which she state no because she's not saying what I want to hear so I hung up and retried the call to get another representative. When calling back the receptionist forward me back to Ms. XXXX. I asked if she was the representative I just spoke too. Again, it was a back and forth conversation then she put me on hold to listen to music. I called back again and demanded to speak with a supervisor, which I was then transferred to a Ms. XXXX who also wasn't listening to my request. As I stated to her I was requesting a copy of the letter they said they mailed back in XX/XX/2020. This company is very rude. I told Ms. XXXX I will call the medical provider and pay whatever is owed to them because I'm not paying someone who will not provide the communication they stated they sent. Ms. XXXX stated go ahead it will just take longer to get it resolved. Why would I pay anyone who stated they mailed me communication when I'm requesting that they send it to me again so I will know who I'm making a payment too.