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

Account name : XXXX XXXX XXXX XXXX Account number : XXXX I owed {$1000.00} and the debt was closed for nonpayment, then sold to XXXX XXXX XXXX. {$730.00} was paid in XX/XX/2019 but XXXX agreed to notate it as " Settled in Full ''. I have documentation from XXXX to prove this. My credit report shows is still as XXXX and initially just " Closed ''. After submitting this document to Experian in hopes of the " Settled in Full '' appearing, it was instead changed from " Closed '' to " Closed. {$1000.00} written off ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made and electronic request on Transunion 's site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.
Product: Credit reporting

Have asked and contacted Equifax Several times about the erroneous information on my credit Record. XXXX XXXX XXXX XXXX and XXXX XXXX, never did business with XXXX . There 's no Written nor copy of any information supplied to any of the above collections agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : 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.
Product: Credit reporting

XXXX Have a report in all XXXX agencies that i have a credit line of {$4200.00} with XXXX balance opened XXXX 2005. I have called them and they do not seem to have a file on under my name and they told me to dispute it with the credit bureau but they did nothing. I have XXXX names which i manage to fix XXXX agencies ( XXXX ) but not the others. Also i have XXXX Hard check in a very short time expand and do not recognize must of them. Hopefully this can be resolve. I am working hard on establishing credit and fix the errors but the Credit bureaus are not doing anything. Thank You for your help.
Product: Mortgage

To whomever is concerned. I XXXX XXXX. a 21 year military retiree. I have receive a intent to foreclosure letter on my home. This company is ripping veterans like me across the country off and I say this because if they are doing it to me. They are doing this across the country. My complaint is as follows. I had my home mortgage modified in XXXX of this year. All parties To my understanding I was told all delinquent fees and payments in arrears will be placed on back of the loan and yes I signed the new documents. The problem is Carrington Mortgage Services ( A collection Agency for XXXX XXXX XXXX ) has informed me there are fees associated with the modification AFTER the modification. Which is illegal.They can not do this. If there are any fees this should have been discussed with all parties before the signing. This is a binding contact. I DO NOT KNOW WHAT FEES ARE BEING ASSESSED OR THE AMOUNT OR WHAT THE FEES ARE FOR.I was told these fees may be for legal fees and reinstatement fees. But I have not received any documentation of determined the amount after all parties have signed. I have informed them I will be making the XX/XX/18 payment in the month of XXXX and the XXXX payment. My regular payment is {$1300.00}. I have just receive a Notice of intent to Foreclosure in 35 days .If I do not send them the delinquency they say I owe of {$3400.00} which is attached to this complaint. which includes the late 1 time late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and Fraud namely XXXX XXXX XXXX, XXXX XXXX Breach, and XXXX  XXXX Data Breach. 
Fraudsters have somehow accessed my information through these data breaches and have left behind hard inquiries on my credit report as a result of Opening Fraudulent accounts with my information. 

I have sent an Identity Theft Victims Assistance Affidavit - to TransUnion containing the following inquiries which must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is the tracking number of the mail which was not responded to. XXXX
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 ( 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. 

Cash app tag XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Chrage Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX US DEPT ED - XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2020 payment was paid in installments. When a Sun West Mortgage representative called to collect {$1.00} deficit for XX/XX/2020 payment, for some reason transaction didn't clear. Sun West Mortgage used line of credit overpayment to cover {$1.00} deficit to XX/XX/2020 payment. Sun West Mortgage reported XX/XX/2020 payment to credit bureau as 30 days late. XX/XX/2020 wasn't in suspense for incomplete payment. Payment was taken at Sun West Mortgages discretion, so a 30 day late payment for {$1.00} should have never been reported to credit bureau.
Product: Credit reporting or other personal consumer reports

This letter was mailed with no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Demand to Remove Inaccurate Credit Information To Whom It May Concern : Enclosed is a Mandatory Notice. I am returning to my given name of XXXX XXXX XXXX. Change my name on this credit report. I have changed my status and reclaimed my name. I am demanding this credit report include information I give permission for. I have been a victim of fraud and identity theft that I am demanding be corrected immediately. 
Furthermore, I would appreciate receiving an updated copy of this credit report at the aforementioned address. There should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report within the past six months of any necessary corrections. 
Upon reviewing my credit report, I have identified certain inaccuracies that require immediate attention : XXXX. This is a duplicate account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Thank you for your attention and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED Without Prejudice
Product: Credit reporting or other personal consumer reports

I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

Account XXXX XXXX
Product: Debt collection

This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account - 1 ) I never received a notice in the mail about this debt. 
2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Credit card

Hello to whom it may concern, I have been paying XXXX XXXX  for almost two years after XXXX XXXX took over and my balance at that time was {$360.00} now we are in 2024 and its still at {$320.00} I called them and ask them to explain why hasnt it gone down they have nothing to say they are stealing from customers after XXXX XXXX took over I need an investigation on why my balance has not gone down since XXXX XXXX took over
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
ERC ( Original Creditor : XXXX XXXX XXXX  ), balance is {$580.00} and account # XXXX
Product: Vehicle loan or lease

I purchased this vehicle XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX Toy ... on XXXX XXXX in XXXX, Florida. I traded a XXXX XXXX fully loaded with XXXX as a trade in. XXXX XXXX notified me that my car should have been paid off in full XXXX of XXXX they added a year on to the vehicle and keep adding all these additional finance charges to the pay off amount. it's enough to deal with a pandemic in this nation. I don't need added frustration. I was in hospital for XXXX the early part of the the year and requested a hardship finance which they advised me this created an additional year of payments ... That's ridiculous. other finance companies informed me no hardship should have created this outstanding balance. I want them to correct the problems that are occurring during this a purchase ... They-Capital One finance say I am 59 days pass due only to discover That in XXXX of XXXX they took half of my payment and added to late charges in the amount of XXXX. The payment via voice recording confirmed to take XXXX PAYMENTS they took XXXX payment and added the balance to late charges without my permission and keep telling me they have to listen to the tape of our conversation. I also requested to speak to their CEO no one has contacted me yet and I call them every month. Please help!
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting XXXX accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.
Product: Checking or savings account

Regarding a joint checking account with my teenage daughter : In XX/XX/2022, Funds were illegally transferred out of the account through the XXXX money transfer service. Then forged/ invalid checks were deposited into the account to have the fake funds also transferred out via XXXX XXXX Once the fake checks were returned the account went into negative balance. 

Never used XXXX previously on the account nor authorized its usage. My daughter had never even heard of XXXX nor ever deposited checks remotely. 

Filed a Fraud complaint with US Bank. The branch manager said the issue would be resolved and the actual stolen funds of ~ {$300.00} would be reimbursed, and the fake check funds would be removed. 

Did not hear anything until XX/XX/2022, when received a letter stating the account would be closed and the negative balance would be considered " XXXX XXXX ''. 

Subsequent call to US Bank said they had denied the Fraud claim- but they did not notify us. US Bank gave no path forward for resolution even though the XXXX security was at fault and it is a known problem. US Bank has no procedures to dispute fraud claim findings and do not even allow customers to speak to the Fraud department. 

I can not provide documents because the account was closed and removed from the online access.
Product: Debt collection

I am a victim of identity theft as a result of the data breach involving XXXX. My personal information, including sensitive data such as my name, address, and potentially financial details, was compromised. This breach has caused significant distress and financial hardship, as unauthorized accounts and transactions have been made in my name. I am taking steps to resolve the issue, but the emotional and financial toll of this incident is considerable. I urge all parties responsible for this breach to take immediate action to help protect affected individuals and prevent further damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days
Product: Student loan

Mishandled loans and information surrounding how to pay back or apply for assistance or a pause in payments so my intrest would not keep occurring. My student loans were originally with XXXX XXXX, then sold to XXXX, the part of them were sold to Aidvantage and now the other loans are with XXXX. 
They have not contacted me as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX XXXX over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!! 
What would be a fair resolution to this issue? 
As always I want this removed from my credit report and to reflect on my credit score positively. It is unfair that my score has dropped from XXXX to XXXX and STILL NO RECORD OF MY AUTO LOAN THAT IS ALMOST PAID OFF OR MY OTHER POSITIVE CREDIT SITUATIONS!!!!
Product: Credit reporting or other personal consumer reports

I have contacted Transunion many times explaining that this information on the attached FTC report does not belong to me at all. These was done fraudulently, I call, and they say that the special handling has to call me back & I never get a call & this information remains on my credit report. Please delete this information. so many laws were broken on their behalf if you just look at my documents you will see.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by Wells Fargo Dealer Services to the credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my XXXX and XXXX credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by Wells Fargo Dealer Services. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my XXXX report shows the last payment as XX/XX/XXXX, while my XXXX report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer Wells Fargo Dealer Services one last opportunity to resolve this matter amicably.
Product: Payday loan, title loan, or personal loan

Payment of {$380.00} is due 9th of every month. My account was current, never been past due. Submitted payment IAO {$400.00} on XXXX to satisfy XXXX payment. I then made the following payments ; XXXX - {$100.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$100.00}, XXXX {$77.00}. Total payments submitted was {$390.00} which would satisfy XXXX payment. In each instance I did NOT select the option to apply funds as an additional payment. Now my account is 14 days Past Due IAO {$96.00}. I called the company on XX/XX/XXXX questioning why why account was past due when I paid more than the MPA. Agent said they would submit request to have issue resolved. I checked my account on XX/XX/XXXX, still showed as past due. Called the company again on XX/XX/XXXX, agent stated I needed to allow more time for payment to be reapplied. Checked my account again on XX/XX/XXXX, still showed as past due. Sent an email requesting a status update of my request and an explanation of why my payments werent applied as requested. As of today, I still havent received an email response or call. Called the company on XX/XX/XXXX to get a status update, there was none. Asked the agent to explain why my account is past due. He stated any payment made prior to the due date will be applied towards that months payment regardless of what option is selected online. This information is not listed on the website or the borrower agreement. The borrower agreement does not include language of how payments are applied in relation to due dates. The document states funds are applied to fees, interest, then prin. Prepayments/additional payments are allowed but will not change monthly billing amount. I did not select the prepayment/additional payment option. I was forced into that without my knowledge. The company refuses to explain why they give the option to select how a payment is applied but not honor it. I also asked for details of how my payments are applied, they havent provided that information either.
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 violate the consumer financial protection act ( CFPA ). Specifically, cash app fail to take timely and effective measures to prevent an 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 ours 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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