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

Dear Transunion, I am again writing to dispute the accuracy of information reported on my credit report regarding the XXXX account ( XXXX ). Upon reviewing my credit reports from different bureaus, I have noticed blatant inconsistencies and harmful inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 
Specifically, I have observed the following issues : XXXX. The dates reported for this account, including the date opened, last active, and last reported, are inconsistent and inaccurate across different credit bureaus. Per FCRA Section 623 ( a ) ( 2 ), furnishers are required to correct and update inaccurate information, and XXXX XXXX standards mandate accurate and consistent reporting of account information. 
XXXX. There are indications that this account also has been re-aged, which would improperly extend its impact on my credit report. Re-aging accounts is clearly prohibited under FCRA Section 623 ( a ) ( 5 ) and XXXX XXXX standards, as it misrepresents the true age and status of the account. 
To resolve these issues, I formally request that you initiate a re-investigation into the reporting of this account, as required by FCRA Section 611 ( a ) ( 1 ) ( A ). Please review the information provided by the furnisher and ensure that all details, including account dates and status, are accurately reported and consistent across all credit bureaus. Further, I have attached evidence in this inquiry that will assist in the matter. 
If your investigation confirms that inaccurate or inconsistent information has been reported, I kindly ask that you promptly correct or remove the erroneous data from my credit report, as required by the FCRA. 
Please provide me with written confirmation once the investigation has been completed and any necessary corrections have been made. If you determine that the disputed information is accurate, please provide me with evidence supporting your findings. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy and integrity of my credit report, and the reviewing of my evidence. 

Thank you! 
XXXX XXXX See Attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX XXXX  was paid in full on XX/XX/2020. I have the documents to prove this from both the bank and XXXX XXXX clerk. I submitted a dispute through Experian on XX/XX/2020. The dispute came back as complete, but it still does not show the account paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting a closed collections account from XXXX XXXX XXXX on my consumer profile. XXXX XXXX  is reporting this account with missing important historical data along with an incomplete 7year reporting period from the original creditor. Missing the full 7 years of historical data while reporting partial or misleading information violates the requirement under the FCRA. If the account claims a date of first delinquency of XX/XX/year> but omits payment history or fails to properly reflect the timeline of delinquencies leading to collections, it results in inaccurate reporting on my consumer credit file. The date of major delinquency/date of first delinquency as XX/XX/year> accuracy is questioned since this information is missing. XXXX XXXX reports the incomplete account history of XX/XX/year> but omits other required payment history details. This is a FCRA violation. It violates codes 1681s-2 ( a ) regarding furnishing accurate and complete information. This account claims a date of first delinquency of XX/XX/year> but omits payment history/ fails to properly reflect the timeline of delinquencies leading to collections resulting in inaccurate reporting. This account was previously disputed but not properly corrected by XXXX XXXX on my consumer report furnished by Equifax. Failure to investigate or correct the missing data after my first dispute violated my rights under the FCRA law 1681i ( a ). Also, omitting the historical delinquency information or failing to align reporting with the first date of delinquency violates my rights under the Fair Credit Reporting Act laws. Lastly, please ensure that XXXX XXXX XXXX XXXX has proper documentation of ownership for this account. 

Possible Fair Credit Reporting Act violations/ Metro 2 violations for this account may include : 1681e ( b ) ,1681c ( a ) ( 4 ) ,1681i ( a ) ,1681s-2 ( a ) 1681e ( b ). 

Thanks
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with discover bank 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 XX/XX/year>. 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.

discover bank 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
Product: Mortgage

Creditor is harassing me regarding payment. I lost my job and tried to make arrangements, they refused even though I communicated that I was unable to make a full payment. The last phone call ended with the XXXX hanging up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on my report that I didnt authorize
Product: Prepaid card

I called jpay on XXXX XXXX requested documentations showingmy current address to mail my checks. When I called to askifthey received my email they told me yes but they already sent the checks a different address and were cashed. They were cashed while I was XXXX in XXXX XXXX XXXX XXXX. Which can prove. They told me theyd investigate it but chances are they can't do anything about it. Why would they request documents with my address but already sent them to an address i do not live at. How canthechecks be cashed if I was locked up. I know who's address it is and can provide her name. They need to prosecute her meanwhile reissue my checks to my address for me to receive. They do not have any documentation on that address that they sent my checks to so I hold them responsible for sending them to the wrong address.
Product: Debt collection

Hello my name is XXXX XXXX in I'm here issuing a complaint against a accreditors for Hillcrest Davidson and streamline benefits die have documents that they are suing me for money and I want this account audited I have no information on what this complaint is about I watch this processed accordingly and then went documents to prove that I owe this said I don't have any information at the moment and I'm requesting that issue thank you
Product: Payday loan

Lender is not updating my loan status in the Va Data bank to reflect loan was paid - check cleared my bank sent them the receipts every one I speak with gives me a ref number telling me it will be uodated then state I have to wait 10 days and speaking to the Commonwealth of Va number says they just have to update the Va Database would like this resolved asap
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Applied for Hyundai Loan. Consented for Credit report must be pulled just on this date ( applicable to just for 10 minutes, due to the situation that we were forced to purchase a vehicle at XXXX XXXX on XXXX ). Hyundai used a CREDIT SCORE ( no model name ) to price against FICO SCORE leading to credit discrimination XXXX XXXX leveraged my personal information collected on XX/XX/2023 and made an unauthorized hard pull without my consent. 
XXXX I applied for a loan for personal emergency, that loan was denied and later approved for exorbitant 20 % APR costing me more than XXXX XXXX at the end of the term. The reason for denial is due to excessive hard pulls in my credit file. Hyundai is directly responsible to cause excessive hard inquires on my file.

Hyundai has been evading all my emails and calls. My requests to Hyundai Senior executives have not been heard. Hyundai has treated me very poorly and made discriminative comments. I opened several cases and all of them were resolve without evidence and proper resolution. 

Hyundai to address following noncompliance items or provide reasonable supporting written document for each stature to support Hyundai is complying.

1. FCRA ( Fair Credit Report Act ) 15 USC 1681b Permissible purpose a. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & b. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 2. REG B ECOA violation Credit Discrimination 3. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation in line with # 3. Deceptive because multiple Hyundai divisions making hard pulls without disclosure. Unfair because XXXX XXXX used on a XXXX risk-based pricing grid thus adding to credit discrimination. 
4. TILA ( Federal Truth in Lending ) - requires that borrowers receive written disclosures about important terms of credit before they are legally bound to pay the loan.

5. Fraud and Identity theft ( Hyundai was authorized to use my personal details just for XXXX not forever/Indefinite. Thus, it is more than just negligence. Hyundai is aware technology can be leveraged ; however, Hyundai did not set controls for the purpose of profits. That is a clear intent to cause damages to consumer
Product: Credit reporting or other personal consumer reports

I just recieved an update on my XXXX XXXX  dispute about an icorrect reporting on my payment history. XX/XX/XXXX was 30 days late which was not correct i showed bank statements i was on time. XX/XX/XXXX also showed 30 days late which was also incorrect. i showed bank statements. 

I just recieved this updated report from equifax. They corrected XX/XX/XXXX payment as paid on time. But now they made XXXX XXXX 60 days late. How is that possible? this is absurd. This deserves a court case review by a judge. They also changed XX/XX/XXXX from 30 days late to 60 days late. How is this possibke. This is foul reporting and incorrect. This is deliberately breaking the law. I will reprt this to my attorney. I have patiently provided documents to prove my case and i get disrespected by this garbage reprting to hinder my life and my families. 

I am reproviding bank statement showing XX/XX/XXXXXXXX  payment was made on time. it was withdrawn XX/XX/XXXX. I am showing my latest equifax reporting the update being incorrect for XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 or other personal consumer reports

15 of the United States Code, Section 1681b, specifically addresses permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ). Subsections ( a ) and ( c ) outline important provisions related to accessing and using consumer credit information. Here 's a breakdown of each subsection : Subsection ( a ) of 15 USC 1681b : This subsection delineates the permissible purposes for which a consumer report may be obtained by a third party. Permissible purposes include : For use in connection with a credit transaction initiated by the consumer. 
Review or collection of an account of the consumer. 
Employment purposes, including evaluation for employment, promotion, reassignment, or retention. 
Underwriting insurance. 
Government license or benefit determination. 
Legitimate business needs in connection with a business transaction initiated by the consumer. 
Subsection ( a ) serves to establish guidelines for the lawful acquisition and utilization of consumer reports, emphasizing the importance of appropriate and authorized access to such sensitive information. 
Subsection ( c ) of 15 USC 1681b : This subsection imposes restrictions on the use of consumer reports obtained for employment purposes, specifically regarding adverse actions based on information contained within such reports. 
Before taking adverse action based on information from a consumer report obtained for employment purposes, the user must provide the consumer with : A copy of the consumer report. 
A summary of consumer rights under the FCRA. 
Notification of the adverse action to be taken. 
Subsection ( c ) aims to safeguard the rights of consumers by ensuring transparency and accountability in the employment screening process, enabling individuals to address inaccuracies or discrepancies in their consumer reports. 
In summary, Sections 1681b ( a ) and ( c ) of Title 15 delineate the permissible purposes for accessing consumer reports and impose requirements on users to adhere to legal guidelines and provide necessary disclosures to consumers, respectively. These provisions are integral to promoting fair and responsible practices in consumer credit reporting and employment screening. 


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

My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help Ally Bank hopefully make more money on their auto loans.

Limited history at address : I am in the process of moving to this location. I told that to the XXXX people at XXXX  when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years.

Not enough debt experience - I usually pay CASH, is that a crime?

Total Account balances?

Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX  is that?

XXXX XXXX, ( XXXX XXXX XXXX, XXXX XXXX, XXXX., XXXX ) and Ally Bank ( XXXX XXXX XXXX, XXXX XXXX., XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that Ally Bank can change the terms of the submitted auto loans so that Ally Bank can make more money.

I am not sure if XXXX   is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as Ally Bank, for sure.
Product: Credit reporting or other personal consumer reports

I checked my credit report in XX/XX/year> and found that I had fraudulent accounts reporting on my credit report with all three bureaus Equifax XXXX and XXXX I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support in this matter
Product: Checking or savings account

On XXXX XXXX, I called XXXX to pay my sons bill. It went through a company called cash app. Ever since this happened cash app has been taking money out of my account. I tried several times calling them but no success. There is a recording stating you won't b able to talk to anyone. Im hoping u can help me! Ty!
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a Chase Fraud Alert about a suspicious transaction that was denied on my account. I responded to that email by clicking the " No, something's wrong '' button and that opened a webpage telling me that they were cancelling my card and would be issuing a replacement card. I then received no confirmation email, alert in the Chase mobile app, or any other sort of banner or alert in the Chase app regarding the card cancellation/replacement, of the new card shipping, or of the new card being delivered. Eventually the card did arrive on XX/XX/XXXX and I was able to activate it at that time, but it is absurd that I can order a {$5.00} pair of socks online from a random retailer and will get an immediate 1 ) order confirmation email, 2 ) link to track the order status, 3 ) order shipment email, and 4 ) order delivery confirmation email but I get none of those four basic updates when the largest bank in the country cancels my credit card with tens of thousands of dollars in available credit because of a fraud attempt and issues a new one. I was in such disbelief over this state of affairs that I contacted Chase support to see if I had accidentally disabled those notifications, but their agent said that none of those types of notifications exist.
Product: Checking or savings account

My business account was closed for no reason by bank of america. Unfortunately that was the only business account I had. My business went to a total halt and all my funds were inaccessible. 2 weeks later they send me a check in my business name which I cant cash or deposit because I have no other accounts in my business name. I call them to rewrite the check to me personally and they said they cant write another check until 120 days ( 4 months ). So basically they are going to illegally hold my money for 4 months is what they are basically saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect 30 day, 90 and 120 day late payment on my Navient accounts but have documentation showing current and correct payment amount. I have repeatedly asked Navient to fix the incorrect information on XXXX, XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late marks are hurting my credit report and preventing me from getting a mortgage.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account numberXXXX  Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:XXXX
Product: Debt collection

The doctor was informed that my insurance only cover me after I spend {$1500.00}. I informed my doctor that I would be requesting XXXX XXXX under the XXXX act and I would not have to pay for the XXXX or XXXX he recommend. I informed the doctor I made little money and all I could afford was the co-payment. In any event, the doctor assistance walked in and gave me a XXXX XXXX. After what I said he said, " he would bill the insurance company. '' Next, I received a collection bill from two collection agencies in two different states. I received telephone calls. I call my attorney. Both collection agencies are not in compliance with Florida Statute 559.553 ; Florida Statute 559.715 ; 15USC1692 ( g ) ( b ). ( c ) ( k ). I request the collection  agency cease and desist from a letter from the federal government.
Product: Mortgage

During covid 19 I had some difficulties making payment because my wife lost her job so MR Cooper which is my mortgage company offered me a forbearance program which I was informed my payment will be modified after the period. So I was given a trail modification payment from XX/XX/XXXX - XX/XX/XXXX which I met those requirement for my mortgage payment to get lowered so as I can make the payments I missed during the forebearance program. 
So after XXXX I was waiting for when my new payment was going to start because I had to come to XXXX on rotation as an XXXX XXXX XXXX so my US number was working here to I informed XXXX XXXX who was the agent working on my Loan modification they wouldnt be able to reach me on my US number but they send me any information through my email so as to know when to start making payment. 
I didnt receive any email of when to start making payment so I reach out to MR Cooper to find out about this and I was told I was supposed to start making payments toward another modification trial to get my modification initiated but I missed those payments from XX/XX/XXXX so if can make 4 payments they will send it up to their manager to see if they can initiate it again. So I told them I wouldnt be able to make 4 payments but I can pay 3 so I was told they cant help me with that unless I make 4 payments. I still went ahead and made that payment but they still didnt help me out but want me to payment {$16000.00} that is dues on XX/XX/XXXX and now they have reported me to the credit bureau as Derogatory trade and that has dropped my credit drastically. 
I really need your help.