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

I am XXXX XXXXhat you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX  XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX Balance Owed : {$17000.00}.
Product: Credit card or prepaid card

I had a fraudulent charge on my bank of america XXXX  XXXX credit card on XX/XX/2014 for XXXX. I opened a fraud claim with bank of america and they denied my claim only because they said they mailed me statements and I continued to pay my balance on my card.
Product: Mortgage

Good day In XX/XX/XXXX I applied for PMI deletion. 

Bank of America home loans sent a letter stating it would take ten days to hear from an agent after receiving a fee for a property valuation. ( See letter attached ) and a total processing time of 13 days. 

On XX/XX/XXXX Bank of America sent an email stating it would take XXXX days before I heard from an agents. See attachment On XX/XX/XXXX, the same day Bank of America stated it would take 10 days. Bank of America on the same day ( XX/XX/XXXX ) Bank of America sent a letter contradicting what the previous letter and email stated. 

See attached. Bank of America is now saying the processing time could take up to 21 days and to get a property evaluation it could take longer than ten days. 

At this point Bank of America is making up new rules as they go along. 

Adding and changing the rules is unfair to the consumer. 

The consumers need protection from these bad business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} fraudulant charges i asked experian, XXXX, XXXX to verify accuracy of this account and i was told it was accurate which is not correct. 

in accordance with the Fair Credit Reporting Act 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 a account without my written instuctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is sharing inaccurate information with the 3 credit bureaus : XXXX, XXXX, and XXXX. I sent them a notarized letter via certified mail and a letter from the court regarding this inaccurate public record. LexisNexis needs to remove this erroneous item from my file. It is hurting my credit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  **** Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$28000.00}
Product: Debt collection

I signed a contract with XXXX XXXX XXXX stating that my phone would be said amount. When I received my bill the amount was almost 3 times the amount. I asked the representative several times before signing the contract how much my bill would be because I couldn't afford any more, they assured me that it would be the amount that I signed for and it was not. I am trying to become a home owner and this is having a negative affect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Account Information : Account Name : XXXX Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$1000.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : Equifax incorrectly reports XXXX XXXX late payment in XX/XX/XXXX. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request.

Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the XXXX credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated XXXX dollars a month.
Product: Checking or savings account

I called Chase on XX/XX/22 and spoke with a telephone rep named XXXX. I had an errant fee charged to my account and wanted to close my checking account. The Cahse rep instructed me to visit my local branch to close my checking account. I told her three times that local branches are closed and I wanted to close my account by phone. When I asked for a manager, they suddenly transfered me to a different department and XXXX was able to assist me immediately. I'm sending a complaint to the CFPB because I think its wrong for banks to make it difficult for the public to reduce access to gain or end banking services. Purposely restricting access to banking services to the public is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. XXXX WITH A SECOND HACK ON XX/XX/2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and allwill be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
Product: Student loan

I apparently took out a Parent plus loan in XXXX but never once received ANY notifications, bills, calls or even an email. Then in XXXX they take my tax refund via offset without ANY notification that was about to happen so I could have gotten more information ahead of it. The refund I was getting was to pay the bills I'm behind on and save our house because I'm a single mom with one source of income and I literally just had my heat shut off. That refund was our ONLY hope. After 3 days of searching I FINALLY found the servicer ( because i didnt have any information because they never sent anything ) they informed me I could not received the tax offset hardship refund because my house isnt in foreclosure. THATS THE WHOLE POINT TO STOP THAT FROM HAPPENING. Now it will thanks to Great Lakes. 
I need help NOW before my daughters and I end up in a homeless shelter. This is just wrong!
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

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

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

Delete the late payments from my consumer reports XXXX _____________________________________________________________________
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 ( 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 redres : for these violations.
Product: Vehicle loan or lease

On Saturday XXXXXXXX XXXX XXXX  I attempted to pay my monthly load amount of {$570.00}. The loan number is XXXX. 
According to the software it accepted a payment from my account ending in XXXX with XXXX XXXX. 
On Monday I checked the account, and the software said the payment was not made. I waited, and I again attempted to make a payment ending with my account ending with XXXX at XXXXXXXX XXXX 
Today I checked at the locaXXXX XXXX XXXX XXXXXXXX to see if the payment had been made. They said the money was taken out of the account ending with XXXX on XX/XX/2022. 
I was charged {$35.00} because of course I had transferred money from the XXXX account to the XXXX whereby I attempted to make the payment from. 

I called Capital One Auto Loan 5 times this morning to straighten out this problem Each time I was sent to a different person or department. After calling them several times they said, their system was being worked on, and they hung up on me. 

The service operators at Capital one called themselves, XXXX, XXXX XXXX, XXXX, and XXXX I finally became fatigued from their inability to talk legibly to me about the constant confusing mess they were making at my payment bank. 

I told XXXX that Capital One Auto is a XXXX DOLLAR BUSINESS Banking system, and can afford to keep track of their software. It makes absolutely NO logic at all that Capital One Auto Loan doesnt have their systems completely up to date at all times of the day, and year. So, their excuses make no common logic at all. 

This situation is causing problems with my Credit Report, and adding extreme problems to my business banking accounts. I need reimbursement from this bank for the problems they are causing me. This is not the first time their company software has said they accepted my payment, and then when I checked again the software says my payment wasnt accepted. Their waiting periods between them accepting the payment, and the money coming out of my XXXX XXXX account varies greatly from month to month. Mostly as long as they werent charging extra fees I ignored it. But, I can no longer to that as it is so obviously that the Corporate Bank Offices are ignoring their own bad management practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEE ON MY CREDIT REPORT THAT I HAVE A MORTGAGE LOAN. I HAVE NEVER HAD A MORTGAGE LOAN.
Product: Debt collection

I was contacted today by a woman claiming to be an attorney from  XXXX  and  XXXX   XXXX   XXXX . She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for giving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.
Product: Mortgage

I was approved for a modification, and my last payment for the trial payment was X/X/2017. After I made the required trial payments, I was sent the final modification documents. I signed the agreement and sent it back to the organization. When I called in I had a few questions about the terms. I asked about the deferred amount of XXXX, and I was told it was a balloon payment. I spoke to XXXX XXXX about the terms. I would told I had to pay the XXXX in a two year period. I advised XXXX XXXX that I was going to contact a HUD counselor to discuss the terms, as I did not understand her explanation. I contacted XXXX XXXX XXXX, and spoke to XXXX XXXX, who advised me that the modification was a good proposal. I contacted the bank to let them know that I had spoken to a counselor, and she was able to explain the terms. At that point, I was told my case was closed and the modification offer was rescinded. I did n't reject the modification. I had signed the papers and sent back the agreement. There should not have been any reason to close my file. I have the right to seek advice from a certified housing counselor, and I should not be penalized because I wanted assistance fromm a HUD organization. I have tried to dispute this issue and resolve with the bank to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly informed Equifax, XXXX, and XXXX of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of  FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX  Equifax XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT