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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXXXXXX 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 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, credit repair services, or other personal consumer reports

The following account do not belong to me. I believe that this account is erroneously reporting on my credit file. Please remove the following account from my XXXX  and Experian credit file : XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Consumer Loan

i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. 
toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge
Product: Student loan

I became total and permanently XXXX after graduating from college. Now, I have no source of income, other then what I get from XXXX. I attempted to have my loans discharged by said loan company and was denied. I am unable to make payments on my loans because I am unable to work. The only sensible course of action would be a discharge of said loans. It is unreasonable to penalize a person who can not make payments. If my loans are not discharged I will face default and eventual debt collection agencies. Therefore, I challenge the legitimacy of a company that employs such methods.
Product: Credit reporting

I was denied credit based on inaccurate information on my credit report. XXXX and XXXX have zero balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle returned to GM on XX/XX/XXXX ( as acknowledged on letter attached ). 
GM Financial issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my GM Financial account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by GM Financial. 
I called GM financial on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX, XXXX  and XXXX  still show this account as late payment ( see XXXX  as an example ).
Product: Credit reporting or other personal consumer reports

In XXXX I disputed the unauthorized inquiries and additionally requested proof of validation which included the names and business addresses of each person that inquiries were verified with, The dates contacts the individual information providers and the method of communication used to verify the information and if my XXXX, address or dob were shared. I requested tangible evidence of the information being verified and it was not sent to me per Fair Credit Reporting public law 91-506, title vi section 611 subsection a-d. The credit reporting agency failed to investigate as well as did not provide evidence requested and continues to list the inquiries on my file.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication 4681, if your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. It is clearly stated in the publication that even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return A charge off is considered income by the IRS, and income is not supposed to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 , I have the right to an accurate report across all reporting bureaus. This particular charge off account shows inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Product: Credit card or prepaid card

I have an Enterprise Bank Bonus Rewards Visa Card through Elan Financial Svcs where I make a {$39.00} minimum payment. I recently have gone through financial hardship and have been late on making a few payments when moving back home to get a job. It didn't help that they raise my APR to 25 % and the dates are inaccurately imposed on my credit reports. It states that it was opened XX/XX/2014 ( 5 yrs, 11 mos ago ) This has completely ruined my chances of getting financed for a home for me and my wife to start a family.
Product: Credit card or prepaid card

A fraudulent charge was reported to XXXX, the company whom handles fraud claims for XXXX XXXX, Continental Finance. The details are included here : XXXX XXXX {$350.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX This charge was reported to XXXX along with another charge from XXXX on XX/XX/XXXX, which was credited back on XX/XX/XXXX in the amount of {$370.00}. However, the XXXX charge still remains outstanding. I was told to speak with a XXXX in fraud at XXXX, ext XXXX, two messages were left and none returned. I've since spoken with several customer services reps as well as a supervisor as of yesterday, XX/XX/XXXX, additional messages were left for her. It appears the XXXX dept does not return calls and appears to be an issue with the XXXX charge itself. I've reached out to the merchant, was told a phone was ordered which I have not received and have no use for as I already own a cell phone. This was explained to XXXX rep ( s ), was advised to inform bank of fraud, which I already have.. Unfortunately, reps in fraud do not seem to return calls so there is no way of know what is going on with regard to this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I called Advanced Collection Bureau Inc to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.
Product: Credit card

On XX/XX/year> I took a cash advance from Barclaycardus Credit Card from a XXXX ATM machine for {$200.00}. That cash advance was duplicated XXXX times unbeknownst to me at the time. I contacted the Credit card company numerous times about this in XXXX. I locked the card. Later I was told that Barclay need to put some kind of hold on it, I called on XX/XX/XXXX and on the XXXX about these fraudulent charges. 

I also faxed them on XX/XX/XXXX. Today, XXXX XXXX, XXXX, I must have called and spoken to XXXX different representatives. This has been going on for a very long time. To this date the account still shows that I owe for all these fraudulent charges. The credit card company once again tells me that they are looking into the issue. They are not helpful. This is a very easy situation to explain. I'm still not sure they understand what is going on.
Product: Checking or savings account

My name is XXXX XXXX. Over three years or so I joined XXXX XXXX XXXX, in XXXX NC. Right a COVID-19 started, I was unable to attend because of fear of catching COVID-19. In that regard I called a cancelled my membership. 
XXXX  XXXX XXXX is still withdrawing money from my account till date. ( XXXX XXXX account ) It has been over a years I stop attending and they are still withdrawing funds from my account. I have asked them to stop and made several phone calls. 
They are withdrawing money from ( XXXX XXXX ). XXXX  XXXX is my brother and have written his bank and they have withdrawn over a XXXX dollars and still withdrawing.
Product: Mortgage

On XX/XX/XXXX my husband became very ill due to his XXXX XXXX and I was also not working at the time. We have always been current with our mortgage, but could not make the full payments after XXXX. I contacted our mortgage company to see if our payments could be lowered until my husband and I could get back to work. The mortgage company did a forbearance and lowered our payments. We had only missed three payments when they came up with this solution to our problems. My husband and I began working shortly after this plan. When we got caught up on other bills we contacted our mortgage company to let them know we could now make full payments again. They accepted full payments for XXXX XXXX and when we were to make XXXX 's payment they told us they could no longer accept payments from us, because our house was in foreclosure. We could not believe this happened, so we applied for a loss mitigation to keep our home we have done everything for 5 months and they told us they were working with us, but our home is online to be sold and we have people calling us wanting to see our home. This company is fraudulent and uncaring. I don't believe they are really working with us and I do not want to lose my home or file bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/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 aFinancial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account volunerable and unprotected. Furthermore, their dispute resolution orocess 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 redressfor these violations.
Product: Money transfers

My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated XXXX/XXXX/2015. I cashed this check at my Bank ( XXXX XXXX XXXX ) on XXXX XXXX. On XXXX XXXX or XXXX - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a " stop check payment '' on the check. My bank reversed the transaction and said that I owe them {$300.00} because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a " check '' - but that such payments are actually defined as " Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by XXXX XXXX XXXX for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help.
Product: Student loan

I am actively pursing the Public Service Loan Forgiveness program and have made 64 qualifying payments. Any missed or delinquent payments would result in my disqualification from the Loan Forgiveness Program. I noticed last year that I was listed as not making a payment for XX/XX/2014. My loan payments are set to automatically withdrawn from my checking account every month and when I inquired about why no payment was deducted from my account in 2014, I was told that due to payment amount changes, and the timing of a generation of a new bill, an installment was not withdrawn that month. I requested this information in writing. I was provided a general letter, but it was unfortunately removed from my paperless inbox by myfedloan.com. When reviewing a different issue with your company, I noted that my loan payment history states A payment was not received on the XX/XX/2014. I am respectfully requesting your assistance in correcting this issue. Please help me to ensure that that my XX/XX/2014 payment is listed as no payment due or no bill generated, or something which does not levy blame on me as the borrower. Again, direct withdrawal was, and remains active on my account. Also, please provide me with documentation from Fed Loan which explains this situation for my files. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

FIRST XXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.
Product: Credit card

I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX  Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan
Product: Payday loan, title loan, or personal loan

I recently obtained a home equity line of credit with BethpageFCU. They do not provide monthly billing statements prior to due date of interest payments on outstanding balances. I contacted their customer service and was told by one of their reps. in the loan area, that they do not provide statements monthly only quarterly. This is outrageous considering they expect payment monthly. Their contract they sent me states the same except they would provide monthly statements where required by law. This seems to be a violation of FACTA considering I can not verify accurate accounting of charges assessed w/out those statements to confirm the interest charged.
Product: Credit card or prepaid card

Capital One Bank is violating the The Equal Credit Opportunity Act ( ECOA ) by credit discrimination. I have applied for a Capital One Bank Secured credit card 4 times within in the last 2 months, and each time, I received a letter from Capital One Bank stating they couldnt verify my identity, even though, I mailed Capital One Bank identification documentation to verify my identity, but my application was still denied because Capital One Bank informed me they couldnt verify my identity. This is discrimination and a complete violation of The Equal Credit Opportunity Act under federal law. I applied for a Capital One Bank secured credit card on XX/XX/2020 and I am waiting on a response from Capital One Bank.
Product: Mortgage

I contacted with SPS ( select portfolio servicing inc. ) for solutions for missing payments and they refused to give me loan deferment. They want me to apply for it and I already apply for it. Also meanwhile I am authorizing everything 3 months monthly payment, I am waiting for their reversed decision. However, I never receive any response. I am not sure if they refused to give me deferment Or other assistance, I believe will violate the law? Please help. My property address is XXXX XXXX XXXX XXXX NY XXXX. My email is : XXXX XXXX