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

A XXXX XXXX collection organization known as XXXX is negatively reporting against me to credit bureaus for a XXXX XXXX I've already paid off in full to a 3rd party collection agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX ). My last payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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 notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( Block , Inc ) due to the inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash at failed to take timely and effectively measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute resolution requirements under the electronic fund transfer Act ( EFTA ) in regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

THE WORST EXPERIENCE WITH A LOAN COMPANY, BAIT AND SWITCH, COST ME A XXXX APPRAISAL FEE OF MORE IN LOAN SERVICE FEES AND MADE ME PAY OFF CREDIT ALL TO FIND OUT I DIDNT QUALIFY FOR LOAN THE PROMISED FROM START AND TRIED TO PUT ME IN A LOAN TO BENEFIT THEM AND PUT ME BACK MORE IN DEBT, THIS MORTGAGE COMPANY HAS TONS OF COMPLAINTS CHECK THEM ON XXXX THE HAVE A BUNCH OF COMPLAINTS DOING THE SAME THING TO ME THE BAIT AND SWITCH YOU MEANING THEY TELL YOU WHAT YOU WANT TO HER AND AFTER YOU INVEST MONEY TURN THE LOAN AROUND TO SOMETHING THAT DOES NOT HELP YOU AT ALL KNOWING THAT THEY KNEW IN THE FIRST PLACE THEY COULDNT PROMISE YOU THAT AFTER GIVING THEM ALL THE PAPERWORK
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a letter of dispute and an investigation request to the 3 credit bureaus in order to remove incorrect informaiton as well as incorrect late payments reporting from my credit report. I tried once before to dispute online but i didn't know how to doa factual dispute. This time I did send them a copy of my 3 bearues credit report and marked few inaccuracies for them to investigate. Each one of the credit bureaus opened an invastigation and closed it in a few days after without investigating at all. I decided to call each one of them to let them know that they didnt do any kind of investigation and they open a new one for few more days with unsatisfied results again. The 3 burueas are violating my rights and breaking many FCRA laws by ignoring them completely. By law they have to report % 100 correct information in all 3 bureas and if they don't then its ground for removal. I tried a few times to ask them and showing them the inaccuraies and the violations they have without a respound. On top of all that, they changed on one account the payment history, so mounts that were marked as paid before now shows " late '' and the other way arround. They add one more late payment on XX/XX/XXXX that wase n't there before so they made my situation worse. The credit bureaus stated that my account was properly investigated but how is that possible if on account # XXXX the open date is inaccurate, high credit is inaccurate, last reported date is inaccurate, date last active inaccurate and the date of last payment also inaccurate. On account # XXXX date opened, terms, last reported, last active and last payment also are incorrect and the payment history incorrect and inconsistent. They violating my rights under 15 U.S.C 1681 section 602 A states i have the right for privacy. 15 U.S.C 1681 section 604 A section2 states : a consumer reporting agency can not furnish an account witout my written instructions. according to 15 U.S.C 1681 everything has to be % 100 accurate and i have the credit report showing inaccuracies. 15 U.S.C 166bA creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because EXPERIAN has disputed accounts on my consumer reports multiple times over the last 3 months and have failed to ensure that the accounts are completely accurate. I have gone through the steps and provided the agency with a detailed description along with the issues highlighted and circled directly, yet the very same accounts bear the same inaccuracies and have remained unresolved. EXPERIAN is in direct violation of the Fair Credit Reporting Act per 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681e ( b ) because the company has failed to ensure maximum accuracy during each dispute per the outcomes of the completed reinvestigations and because the company failed to ensure accuracy and fairness since it did not delete the account when demanded as a result of their constant failure to ensure the correction of the accounts using the relevant information I provided them that came directly from their very own website resulting in the very same inaccuracies persisting on the accounts in my consumer report. This in fact is what the FCRA speaks of that directly impairs the efficiency of the banking system and undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle multiple times and reporting discrepancies, my final institution, and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers, but has also have allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raisers serious concerns about customer safety.
Product: Debt collection

I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.
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 XXXX Bank XXXX : # XXXX, federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.
Product: Mortgage

I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. When I finally was approved I unfortunately was unable to make trial payments because I got furloughed. When I reapplied SPS said I was not longer eligible for a loan modification. When I called them and asked to fo a short sale they told me I was not allowed to apply for a short sale. Then SPS placed a foreclosure sale date on my property. I simply want to avoid a foreclosure and move on. A foreclosure will destroy my credit for 7 years, and will cause me another major hardship.
Product: Student loan

Basically, Navient told me that my student loans were not paid and charged me fees even though they were paid and they were paid on time. Then, they were supposed to refund me my overpayment and they keep giving me the run around ... .it has been over a month now and I keep calling however, no one has settled the problem.
Product: Debt collection

I received an email on XX/XX/2020 stating that I owed a debt to a payday loan company and that I can settle it by paying in 2 installments. They also stated that they will garnish my paycheck from my employer for the amount of {$1300.00}. When I started to reply stating that I could not pay, they started to threaten me with taking the issue to court and being arrested and put in jail for a year. I started to question them with details of the company, their company name and requested the documentation of the loan, they kept threatening me with arrest. They also have been emailing me to give them information as to when I would pay them. I emailed the loan company that they say I have a unpaid loan with and they stated that if the emails are threatening arrest that they did not come from them. I have the emails and I can forward them if necessary.
Product: Credit reporting or other personal consumer reports

As you know XXXX criminally sold and bought my information as part of their data breach and per 15 USC 1681i they must delete any inaccuracies on the credit report. They are also refusing to issue me my attorneys fees per settlement breach agreement of over {$20000.00} that I turned in when I found I had XXXX default judgements and was never even served. I have police reports of identity theft along with The Ohio Attorney General. XXXX is blindly going off of what these fraudulent creditors are telling them and none of them can provide a complete account number. They are reporting my house is XXXX months late and it is current. I want you to order them to remove everything from my report as far as closed accounts and I never contracted with LVNV and they also can not provide me my full account number and they are saying I owe them money. I dont even know who they are. My identity was stolen thanks to XXXX and they refuse to remove these accounts from my credit report. Even XXXX XXXX, I have a vacated judgement entry as there was not proper service. If anything on my report is not properly reported it must be removed. I demand {$20000.00} from them immediately and the removal of every account that does not have a complete account number, and/ or can not provide every single statement along with every payment, every charge, every dispute, and every reward cashed in. This includes but is not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV XXXX LVNV XXXX Also I want my Mortgage through XXXX updated as current as it is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX AR, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

1. " DELETE XXXX XXXX  XXXX '' because it is reporting a different Balance Updated date for XXXX  on ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2.DELETE XXXX XXXX  XXXX XXXX because it is reporting a different Balance Updated date on XXXX ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is My Equifax Letter with screen shot of inaccuracies and a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

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

Someone used my information to apply for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit and auto loan which I didnt authorized it and its sent to collection thats hurting my credit every now and then and needs it to be removed XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX {$210.00} XX/XX/XXXX Military star card {$13000.00} XX/XX/XXXX Someone uses my information to apply for all these and wants it to be removed thank you
Product: Checking or savings account

I had a checking account and credit line with Bank of America. I was struggling financially and applied to multiple jobs. On XX/XX/XXXXXXXX XXXX XXXXXXXX  a person reached out via email and claimed to be an employer searching for a personal assistant. They described the position and said theyd send me a check and send further information on what their company does and distribution of funds to their clients. 

Once I received the check and attempted to deposit it on XX/XX/XXXXXXXX XXXX XXXXXXXX, I requested further information from this person. I hadnt gotten a response about information on the company and how I would be filing taxes on these funds. 

They responded saying theyd send me another check without any other information, I declined. My account was closed and I tried explaining everything to the bank. Im submitting this claim in hopes that I can recover my name and reputation to Bank of America and other branches that I do choose to try and open an account with, along with submitting a claim with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Consumer covered veteran ; Experian XXXX, Experian Solutions, Experian XXXX XXXX  ( hereafter Experian ) is a business entity that regularly conducts business in the State of Ohio and XXXX XXXX California. 

2. CRA engaged in pattern of practice of Mixing Consumers Credit Report and Reporting False Accounts violated Fair Credit Reporting Act ( hereinafter the FCRA ), 15 U.S.C. XXXX, et seq for {$150000.00}. 

3. Experian acquired XXXX XXXX who admitted to selling, aggregated, repackaged and distributed consumer information since acquisition in 2011. Acting furtherance in bodily harm to consumer Experian continuance in reporting to potential employers, other entities and credit grantors ; the fraudulent account. 

4.Despite consumer communications both oral and legal, Experian has nonetheless deliberately, willfully, intentionally, recklessly and negligently repeatedly failed to perform reasonable reinvestigations of the above disputes as required by the FCRA ; ( 1 ) failure to remove the inaccurate information timely and ( 2 )  disclose the results of its reinvestigations in writing to the consumer. 

5. Experian has repeatedly published and disseminated consumer reports to bankers, potential employers from at least XX/XX/2011 through the present reasonably believe the information was true but knowingly false. 
6.Experian continuance in false or inaccurate credit reporting of consumer information negatively reflected upon began since 2011 to date that do not belong to consumer ; resulted from or due to Experian faulty procedures, that mixed the credit files of consumer and that of another consumer with respect to the inaccurate information and other personal identifying information. 
7. At all times pertinent hereto, Experians successors conduct, was acting by and through its agents, servants and/or employees who were acting within the course and scope of their agency or employment, policies, practices, rules, regulations and under the direct supervision and control of the ( CRA ) board members and General Counsel herein 8. At all times pertinent hereto, the conduct of Experian and agents, servants and/or employees, was malicious, intentional, willful, reckless and shown gross negligent disregard for federal and state laws and consumer protected rights to date.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX was a joint automotive loan account with my ex-husband that he has missed XXXX payments since we have divorced. He has failed to remove my name from his financing, thus affecting my credit. How do I get my name off his loan info? It was ordered by our divorce decree that he take over full responsibility on the loan, yet he has not removed me from the title or loan documents.
Product: Debt collection

On XX/XX/2024 I sent a certified dispute letter to United Revenue requesting validation of an alleged collection account. The letter was delivered on XX/XX/2024 with a tracking # XXXX ; As of today I have not received any response from United Revenue. United Revenue continues to report negative, inaccurate information that they have not proven to be legally mine nor have they responded to the dispute letter.
Product: Credit reporting 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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX 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 an account without my written instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Debt collection

I currently went through a major financial life change A divorce Ive tried working with the company I informed them Im using a debt consolidation company I currently work from home I have multiple zoom and teams meetings per day Ive asked them not to call back to back They state they have a right because its my cell My office sent all employees home to work due to covid 2 years ago so this serves as my office phone as well XXXX particularly is extremely unreasonable.