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

I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX  and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX and the other credit bureaus XXXX and EQUIFAX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I went to XXXX XXXX XXXX XXXX ( XXXX ) to refinance the loan with chase auto on my XXXX XXXX XXXX XXXX with a balance of around {$13000.00} with XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX XXXX phone XXXX. When their payment didn't reach my chase account by the due date I made a final payment which probably triggered this issue. Since XXXX I have been making payments to XXXX totaling over {$1200.00}. In XXXX I called XXXX to find out what happened with the refinance they said they had mailed a check. I called chase and they said they had returned the check. About a week later, around the first week in XX/XX/XXXX I went back into the XXXX  branch to speak with the XXXXXXXX XXXX, this time we three-wayed a chase representative. The two spoke about the checks and it was learned that the check had been redeposited by chase and would be mailed out to XXXX  to the XXXX XXXX of record. XXXX put notes on my account to flag the check when it came in. The following week I called after waiting 7 days to check the mail and no check had been located according to XXXX. I called chase back and they gave me the same story that the check was mailed. Meanwhile I'm still making payments on a loan that I never received the funds for. I called XXXX  and left messages but did not receive a call back. On XXXX  XX/XX/XXXX I went into the XXXX  branch on XXXX XXXX seeking assistance. The branch manager added notes to my account for the other branch to contact me. XXXX called me back on XX/XX/XXXX stating that chase had cashed the check and I need to follow up with them. On XXXX XXXX I called chase and they said they had redeposited the check and XXXX  should have the funds. I went back to XXXX  to get resolution or assistance, the assistant manager who offered to help but reluctantly looked at my account and said " chase cashed the check... you need to follow up with them. I politely asked for my ID and went through the teller line to close my checking account to stop the auto drafts.
Product: Mortgage

My mortgage is always paid on time. During this COVID 19 they ( New Rez ) offered a forbearance on their website if needed so I did request to speak to someone about this process in place for any financial issues that could occur via their website as they requested of all customers. I kept trying to call every day and no one ever answered. I was never able to speak to one person about it. About 3 weeks later they send a letter with the incorrect monthly amount that was less than my current monthly note. So I called them again hoping to clear up the inadequacies and again nothing. Two weeks later they send another letter that has a totally different amount from the last that is XXXX as my monthly mortgage. This is incorrect as well. My monthly mortgage is XXXX which includes property taxes as well of which I always pay XXXX. I pay my mortgage online through my XXXX XXXX  online account for documentation purposes. They have added on XXXX. I have had this problem with them in the past and they keep messing up important data as it pertains to my home. I am prepared to sue them if necessary. Please help me with this situation with this company called New Rez. I am a single mother of XXXX and this is our home. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir madam I took out a credit card account with XXXX XXXX XXXX XXXXXX/XX/year> Experience starting I default in.XXXX when I open this account in XXXX
Product: Vehicle loan or lease

On XX/XX/2018. I made at {$310.00} payment and on XX/XX/2018 I made {$210.00} payment and they said I never made a payment on XX/XX/2018. My bank statement says I paid it. Then when I call them they called me a lier. And other names. Even there statement I got on XX/XX/2018 says I made it. They want me to call my bank at XXXX XXXX to get my money they stole .i even sent them from my bank my bank statement and they still say I didn't pay even though it was on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I unfortunately had been laid off from my job. I knew I had a balance I had to pay PayPal Credit roughly about {$850.00}. I contacted PayPal Credit via phone and spoke to three representatives about my situation and asked if they had any financial relief programs. The representatives stated they did not have any programs, but they could help me so my account would not go delinquent. The representatives stated that if I made post dated checks every month that I would not hit the 30-day late marker and the balance would be carried over until the {$800.00} was paid. 

I was told I needed to set this up with my checking account, and I gave the representatives my Debit card number in XX/XX/XXXX to start a first payment in XX/XX/XXXX. The following month I gave a new representative my checking account information for payments starting in XX/XX/XXXX. 

As XXXX went on and I continued to make the post-dated check payments, I thought everything was in order. I checked my credit score at the end of XX/XX/XXXX and I was shocked to find out that my score had plummeted 90+ points. I realized it was from PayPal Credit and I immediately placed a call to find out what was going on. 

I spent hours on the phone with multiple representatives and come to find out that PayPal credit had not set up my monthly payments correctly. The last representative told me that the automatic monthly checks were over the 30-day credit reporting and that is why my account went delinquent with months of a late payments. Also, during my payment arrangements every month, the representative notified me that PayPal was now using Synchrony Back as their creditor. The representative said they would submit for correction, set me up on a correct relief program of XXXX XXXX  monthly payment, and I should see an update within 30 days of our call.

With a few weeks I noticed that my score had gone back up. Then, not even 2 weeks later my score dropped again, from PayPal Credit. I called and spent more hours on the phone talking to representatives. They told me I had an outstanding balance of {$200.00} and that is why my score went down because it was still revolving as past due. I told the representative that when I called last time, I was told everything was paid up to date. After spending an hour on the phone, they said there was nothing they could do to resolve the issue.

I have spent hours on the phone with PayPal representatives with no correction or an apology of the misinformation that has been told to me.
Product: Credit card

I have a XXXX XXXX CARD number XXXX recently this card have many problems, on XXXX XXXX they charged me XXXX $ + XXXX $ for a TOTAL of {$1000.00} for annual fees for XXXX XXXX CREDIT CARD, the last month BARCLAY decided to change without authorization the Card and my account to a XXXX CARD, I am not agree with this change and asked them to close my account an refund the annual fees. Now, they closed the account and told me that are " unable to refund the fees '', this is a fraud and its happening with many clients, please help. 
Thanks, XXXX XXXX
Product: Checking or savings account

I tried to open the Ally mobile app to manage my savings account. I had the wrong password saved on my phone and accidentally locked my account. I called Ally on Monday XX/XX/31 and they would not give me access to my account. They instead said their loss prevention team would call me. It has been two days and their loss prevention team has still not called me. I called them again and they said there was nothing they could do. I have an emergency and need access to my funds but they will not do anything to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


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

XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information but is still reporting this inaccurate information on my credit. They concluded in less than 2 days that the alleged accounts belong to me, without actually validating this information, which is negatively affecting my credit score. I am asking for this information to be removed/deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Office of attorney general account # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had a cell phone bill unpaid with XXXX that went to collections, XXXX XXXX XXXX and I agreed on repayment terms which I paid as agreed. Per the letter I received afterwards there would be no further collection attempts on the remaining unpaid balance and the item not reflected on my credit history. That did not happen XXXX sold the remainder balance to a new collection agency, source receivables, and they pressured me into paying the Remaining balance owed for the same previously settled account with XXXX remaining balance. I paid this in an attempt to prevent it from resurfacing on my credit. The collection account remains on my credit report ... XXXX is unable to tell me why it was sold again claiming a step was missed by XXXX and as a result the collections was sold again to source receivables. I have attached a letter from the original collection agency XXXX ... can you please affirm this letter and have source receivables remove the item from my credit history? Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for inaccurate credit reporting, potential violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. 
My credit report shows an account with XXXX as " charged off ''. However, I have not received a Form XXXX099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information4. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe XXXX has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them. 
I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ). 
The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA.

I request that the CFPB investigate this matter and require XXXX XXXXo : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of XXXX to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your agency. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit score has been negatively affected by accounts that were opened by someone else, using my SSN ; which in turn negatively affect my FICO score. Although I have successfully resolved this issue with XXXX XXXX and XXXX, I still have not been able to resolve with issue with Experian, and it continues to negatively affect my credit score with Experian and thus also with FICO. 

I first attempted to dispute the addresses and accounts belonging to someone else in XX/XX/2021. At the time I was living in XXXX and was able to successfully dispute the addresses and accounts with XXXX XXXX and XXXX. Both of these agencies removed the false addresses and accounts and my credit score reflected the change. However, I was not able to access the Experian site because it had an international security firewall.

When we moved back to the U.S. and were attempting to buy a house, I again tried to dispute the claims with Experian. However, I was not able to get through their online identity verification process, because it required me to verify addresses where I have never lived as my own addresses. These addresses appear actually to belong to the woman who opened these accounts. She has a public record with the Maine DOC which identifies her as a former resident of various Maine cities, and address in these cities also appear on my credit history with Experian. They used to appear on my XXXX XXXX and XXXX files, but have since been removed since I was able to successfully disambiguate my credit history. 

The Experian phone line does not allow me to connect to a representative to whom I can explain my situation, and there is no option in their menu that is appropriate to my situation. I have now been attempting to resolve this issue for over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

WellsFargo/XXXX  XXXX XXXX XXXX I was 30 days past due on one payment. This is not true. A check was sent directly to them from my XXXX XXXX. It was received on time to not be past due. XXXX did not post it timely
Product: Debt collection

Debt is not mine XXXX XXXX has yet to provide to proper validation of this debt this is my 4th time asking for proof and have yet gotten it
Product: Credit card

I am trying to close my account but Capital One will not allow me to do it. I have a XXXX balance yet they keep charging me a fee. When i call to have them close this account they aske me to send them my drivers license because of security. 
They do not need to check my license if i want to close my account!!
Product: Credit reporting or other personal consumer reports

XXXX-Submitted claim online for the Equifax data breach settlement. Claim number is XXXX It was determined ( and I have the screenshot ) that my information was affected by the Equifax data breach.

My information was stolen due to Equifax negligence.

This account is reporting inaccurately and needs to be deleted : XXXX XXXX/XXXX  These accounts have erroneously decreased my credit limit and has subsequently hurt me as I try to reconcile the fraudulent activity and get my accounts restored back as they should. These accounts are listed as follows : XXXX XXXXCredit limit needs to be restored/increased to {$18.00}, XXXX. 

Due to Equifax data breach, these accounts were closed by grantor and need to be re-opened and my accounts reinstated to the credit limit I had previously as I gave no instructions to close these accounts. They are listed as follows : XXXX XXXX-restored/ increased to {$4000.00} credit limit XXXX XXXX XXXX-restored/increased to {$700.00} credit limit XXXX XXXX XXXX XXXX XXXX-restored/increased to {$830.00} credit limit I did not give instructions for these accounts to be closed or for the credit limits to be negatively tampered with. None of these accounts need to be closed but they should be adjusted as stated so that it can report accurately. 

I had a phone call in XXXX  where I could not get a lower interest rate on my mortgage with XXXX XXXX because they said my credit report reflected negative information. 
I could not get a XXXX car loan with low interest rates as requested in XXXX, because they said my credit report reflected negative information. 

In XXXX, I was denied a {$5000.00} XXXX XXXX XXXX XXXX XXXX because they said my credit did not meet qualifying criteria. 

In XXXX, both my car insurance premiums escalated with XXXX  and XXXX. They stated it was because of data in my credit. 

Before the Equifax data breach, my credit scores were in XXXX range. Now it is ranging between XXXX and XXXX because of the erroneous credit reporting, fraudulent activity, and other unknown reasons that I can only attribute to the data breach.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection act ( CFOA ). 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 fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for those violations.
Product: Debt collection

MRS BPO was served a debt validation and cease and desist letter on XX/XX/year> and they have violated it. They have continually contacted me via text without providing any validation of the debt. This is a violation of the FCRA.
Product: Debt collection

Someone at XXXX claim I had a Barclay card which I do not have. I told her I check my credit report every day. I do not have any new accounts at all. The woman who sound like an older woman, claim I was going to be taken to court over this debt. I asked to speak to her supervisor. She claim she has none.
Product: Mortgage

On XXXX XX/XX/2020 I attempted to make my normal monthly mortgage payment through the lender web portal with XXXX XXXX XXXX Southwest Stage Funding , LLC. The payment came back " denied by bank. ". I called my bank and explained the problem but they assured me the problem wasn't on their end and there didn't seem to be any issues with my account. I called the lender back and explained this however they said they could not fix it since now my account had a block on it due to attempting to make repeated payments. They also said that they were showing invalid account number on their end which is bull because I had just spoken with my bank prior to calling them to make sure I was inputting the correct ACH info ... which was saved anyhow under my XXXX  XXXX profile and had been for over six months. They then said that they would have to mail me a form to fill out to unblock my account and that I would need to mail them a check or other form of payment since they don't accept debit cards. I was pretty angry but did as instructed. I had a cashier 's check for {$930.00} drawn up at my credit union and then sent it certified mail to the address Southwest Stage Funding gave me. This was done at XXXX on XXXX XX/XX/2020. It also cost me {$28.00} to send it two day Certified Mail. I called them as soon as I got home to request that they call me as soon as they receive and process it. It is now XXXX XX/XX/2020 and as of this afternoon, they are saying they still don't have it. The only reason I think that they are screwing with me is because I have an open refinance loan with a different lender at a much lower interest rate and monthly payment. I think they are giving me the run around on purpose. Something needs to be done ASAP. My payment has never been late and the same account info that is saved on their web portal is the same account info I have been paying with for the last six months without issue, on time. My payment will officially be late as of XXXX XX/XX/2020 and will incur a large late fee and a potential credit score hit all for  something that isn't my fault.