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

I submitted a dispute to XXXX  on XX/XX/XXXX after delinquent First Progress account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with XXXX updating on XX/XX/XXXX updated goodwill adjustments ( negative comments removed up to XX/XX/XXXX ), but added negative comments to XXXX and XXXX,  XXXX. 
Latest XXXX dispute began XX/XX/XXXX and ended XX/XX/XXXXwas due to negative comments to XXXX  and XXXX. The update for this dispute was to move negative comments from XXXX and XX/XX/XXXX to XXXX and XX/XX/XXXX. 
XXXX can not /will not remove the account from my credit, even though it is set to drop off in XX/XX/XXXX,  which I requested by phone on XX/XX/XXXX. XXXX   states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to First Progress on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in XXXX, my credit score drops again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account, XXXX XXXX and a XXXX XXXX account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be XXXX  in 6 weeks because our credit score is effected dramatically and we can't buy a hous or even rent
Product: Credit reporting or other personal consumer reports

I pulled my consumer reports around XXXX of 2023 and I notice it was errors on my XXXX, XXXX and XXXX reports. I sent a dispute to the creditor ONLINE INFORMATION SERV XXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to ONLINE INFORMATION SERV. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing ONLINE INFORMATION SERV that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for ONLINE INFORMATION SERV to delete this inaccurate information off my consumer report immediately. ONLINE INFORMATION SERV you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX 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 Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section XXXX to XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 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. 



XXXX 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 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: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be amended right away. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are on my credit report and I did not authorize or apply for credit with these companies.
Product: Credit reporting or other personal consumer reports

In XXXX of 2019 My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name XXXX loans, utilitiy bills, car loans, credit cards, home leases, XXXX loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
The accounts belonging to XXXX XXXXXXXX, and XXXXXXXX XXXX need to be removed immediately ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Checking or savings account

We have banked with Wells Fargo for over 20 years carrying large balances in our savings account. Their practice is to slowly reduce interest payments to near zero over time. When you confront the bank they tell you to open a new account because you are in a low yield account. I just want to get paid the highest rate appropriate and reimbursed for the interest income they stole from us. I am not interested in opening another new savings account to receive the appropriate interest rate. It's fraud and they are stealing money.
Product: Credit card or prepaid card

Once I was notified that I had an outstanding balance in the mail, I called the XXXX number given on the bill. I called numerous numbers and spoke with different people, from XX/XX/2023 till now. 
The only advice given to me was for me to release my personal information to them and to charge me additional money for reporting Fraud, and also to tell me how to pay for a bill on a card that I have no knowledge of.
Product: Checking or savings account

Scammer called said they were the bank and that there was details on my account and tricked me into sending {$2000.00} via XXXX I called the bank back the transaction was still pending In my bank today them it was fraud and they said there was nothing they could do to call back Monday the number that I was told to XXXX the money to was XXXX Im recently retired on XXXX behind on bills and that was all the money I have Im XXXX and Im sick over it please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is XXXX  and Trans Union so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.
Product: Consumer Loan

I had called to check status of a vehicle loan payoff, to the XXXX XXXX XXXX number. 
The young lady I spoke with XXXX who became very rude and defensive in tone as I ask questions about the payoff that they said had to be forwarded since the address in the payoff letter that was sent to us, had the wrong address on it. having us send it to XXXX XXXX XXXX, OH instead of a XXXX XXXX address. I know that these conversations are recorded and that you can review them. I generally do not write these type letters but this young lady upset me very much.
Product: Credit reporting or other personal consumer reports

XXXX Date XX/XX/XXXX, I am writing to bring to your attention a critical issue stemming from the deletion of information from XXXX 's records and the subsequent failure to comply with Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ), particularly in relation to FCRA 15 USC 1681i ( 8 ) ( d ). 

On XX/XX/XXXX, XXXX deleted information related to the XXXX XXXX XXXX XXXX  for File Number XXXX. However, despite this deletion, there has been a notable lack of compliance with XXXX XXXX standards regarding the issuance of carbon copy notifications to relevant sharing relationships, including third parties and other consumer reporting agencies. 

This failure to share and send a carbon copy notification to other consumer reporting agencies, such as XXXX and Equifax, has resulted in significant consequences. I have previously disputed the presence of child support accounts with both XXXX and Equifax. Had XXXX shared and sent a carbon copy notification to them, it is likely that these accounts would have been deleted. 

For your reference, the child support accounts are listed as follows on each consumer report : Equifax : Name of the account : XXXXXXXX XXXX XXXX XXXX, Account Number # XXXX XXXX : Account Name : XXXX XXXX XXXX, Account Number : XXXX This oversight has had severe consequences, damaging my character and significantly impacting my opportunities to purchase a home, purchase a vehicle, and obtain credit. As a result, I am facing substantial challenges in various aspects of my life due to this non-compliance with regulatory standards. 

I am reaching out urgently to request clarification on the steps being taken to address this matter and ensure compliance with XXXX XXXX reporting standards and the FCRA. Additionally, I seek information on the procedures in place to rectify this situation promptly and prevent similar incidents from occurring in the future. 

Please prioritize this matter, as it has had a profound impact on my life and financial stability. Your prompt attention and resolution of this issue are greatly appreciated. 

Thank you for your immediate action and attention
Product: Mortgage

My issue is with a federally chartered bank, in fact, the first federally chartered bank in the U.S., Wells Fargo. I started a short sale with Wells on XX/XX/2015 -- XXXX days ago. The file has been passed through XXXX ( XXXX ) negotiators -- XXXX XXXX, XXXX XXXX, and now, XXXX XXXX. There have been numerous requests for information ( including request to change items Wells has previously asked us to do ) -- all information requests from Wells have been satisfied within XXXX hours. ( Incidentally, these information requests have been made, notwithstanding the fact that the XXXX negotiator, XXXX XXXX, indicated he had everything he needed to proceed ). What 's disturbing is that each time Wells moves the file to a new negotiator, there is no reason given, and the new negotiator can ask for a single document, or update of a document, and the clock starts ticking anew. It 's a chronological merry-go-round that seemingly never ends because Wells can start the process all over for any reason : " Could you resubmit Addendum One because the buyer 's signature is n't legible enough -- is it XXXX or XXXX? '' Assuming such a request is legitimate, does it warrant starting all over? It 's clearly used as time management mechanism. There has been no communication from Wells since XX/XX/2015 when the negotiator said she 'd be back in touch " shortly. '' We have emailed and called the negotiator 's manager ( XX/XX/2015 ) with NO RESPONSE. The matter has been escalated with the Wells Fargo Executive offices XXXX ( XX/XX/2015 & XX/XX/2015 ) with promises of a response within XXXX hours -- again, NO RESPONSE. I 'm at wits end. If there 's no response to their own management 's request for information, as a consumer, I 'm totally helpless. The mortgage is significantly past due and the next step is foreclosure. This has become an enormous hardship. Having this matter unresolved prohibits me from taking other actions that would benefit my overall health and well being. Like all federal agencies, I know that CFPB has limited resources and I really tried to resolve this with Wells internally. But at the point the EXECUTIVE offices at Wells states that someone will call within XXXX hours, and XXXX days later there 's still no response, I simply do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted XXXX, XXXX XXXX, and Transunion several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB.   on Saturday    XXXX   XXXX   2017 I  did purchase from macy 's with my macy 's  American express  credit card the cashier told me that I will receive another 20 % with this form which let me sign it and she put the purchase on the new card not on the macy 's card which I swipe it in front of her, when returned home I was checking it I found that she let me sign for opening another macy 's credit card then I called macy 's credit card number they told me to call Monday, when I called today Monda y  X/XX/2017  the cu stomer service told me that she will cancel the new credit card and send me statement of the purchase on the cancel card and she told me I will send you email with this which is as below ; My Question is closing the new macy 's credit card which is open without my permission will affect on m y Credit Score.?    Thank you Sincerely,  XXXX   XXXX  " Dear  XXXX    XXXX    XXXX , Thank you for your recent inquiry regarding your account.   It 's been a pleasure to have you as a customer. As you requested, we closed your account and will report it as closed at your request to the consumer reporting agencies.   Please allow at least 30 days for the consumer reporting agencies to update their files.   Sincerely,  Macy 's Credit C ustomer  Service Card  Member :  XXXX   XXXX   XXXX   XXXX   XXXX  Account ending in :  XXXX  Member since :    2017  The purpose of this Security Zone is to help you verify that the e-mail was indeed sent by  Department Stores National Bank. I f you have questions, please call  XXXX  or the customer service number on the back of your card.   Macy 's Credit Card  XXXX .  XXXX   XXXX   XXXX , OH  XXXX    X/XX/2017 /ACCOUNT_CLOSURE_BALANCE_PL "
Product: Money transfer, virtual currency, or money service

I am filling 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 failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.