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

I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe. 

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. 

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish. 

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I have recently been made aware of a collection agency whon would not release any information to me. About the DEBT. If they bought it and or assigned to the. Was the original creditor and did they write it off and close the account. 
I never got these answers because the over talked me got louder and endangered me while i was driving on the roads in traffic. 
I went online to see my report to get information abput this matter. I found 2 creaditors. I tried calling XXXX and was treated in the same way and never got answers. 

When I came back to the site there were offers of credit cards for me to view and experian suggested... I should get a CC to pay off a current up to date bill for XXXX dollars. 
I did open the offers and the intrest rates were anywgere ftom 39 % at a 60 mo repayment to 31 % and 24 % with different terms. 

I was not advised on how they could actually help me with my actual problems an instead encourged to open a nother line of credit at CRAZY HIGH INTREAST. 
I hope there r some rules to help consumers not fall pray to this insane plan. 
I ask what could they be thinking with such offers, are thet praying on me at a very volunrable time? 
The offer came accross asa a debt repair offer. If they are such an enity I feel they need to inform disclose and well. 
I think thet need to hire a responsiable company who would coach mentor and actuslly help the consumer in such times as befalls each american somwhere in there lifetime. 
To add more debt to pay a bill im current with at such high rates is not the first piratory. 
Experian are they masqurading as a credit reporting agency or debt collector, or are they prowling om the vunarable citizan who may think mthis will solve problems.I would like to know the nature of there business and do they receive kickback from the companies that they suggest to the consumer. 
Experian,,, arev they a CROA member and do they stand for consumer vs other corporations praying on the vunurable? 


XXXX XXXX
Product: Credit card

I am beyond frustrated at the way Chase has handled my dispute complaints. I have been victimized by an online business scam and previously requested assistance disputing the charges paid to these fraudulent companies. I just received a letter that my case was closed because they " did n't receive any documents that indicated I wanted to dispute '' ... I was previously unable to open the dispute because I was told it was outside of the 60-day time frame. They never requested any documents from me I filed a complaint here because I hoped someone would look into this further. I have other credit cards and they are looking into charges just as old or older. The charges I am disputing for not being rendered to me as described are XXXX XXXX XXXX in the amount of {$280.00} and XXXX in the amount of {$630.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that American Credit Acceptance will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, American Credit Acceptance decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that American Credit Acceptance does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding Experian, XXXX, and XXXX for failing to accurately report my account with XXXX XXXX XXXX ( account ending in XXXX ) as " paid as agreed. '' As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to privacy and control over what appears on my credit report, as outlined in 15 USC 1681. Reporting this account inaccurately violates my rights under the FCRA, specifically 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, as it misrepresents my account status without my consent. This erroneous report is severely affecting my ability to secure necessary financing to support my business and obtain stable housing for myself and my family. I have previously attempted to notify each credit bureau of this error, yet no corrective action has been taken. Under 15 U.S. Code 1681n and 15 USC 1681o, I am entitled to pursue civil liability for negligent and willful noncompliance, including damages of {$1000.00} per violation. I am requesting the CFPBs assistance in ensuring that Experian, XXXX, and XXXX update this account to " paid as agreed '' immediately to reflect the accurate status of my financial obligations. This matter is urgent, as the inaccurate reporting is causing significant harm to my financial stability and quality of life. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

CRAs failed to update my report with new XXXX XXXX card. XXXX XXXX notified them on XX/XX/year> per my conversation with XXXX on XX/XX/year>. It's impacting my credit score and mortgage approval. Please investigate and correct this ASAP. 
On XX/XX/year> @ XXXX XXXX  MST I spoke to XXXX XXXX XXXX she said the new XXXX XXXX XXXX is not showing up yet. 
On XX/XX/year> @ XXXX XXXX  I spoke to XXXX XXXX Transunion XXXX discovered today when checking my score that XXXX XXXX ( XXXX  ) is not showing up on cr report. XXXX told me on XX/XX/year> that XXXX XXXX XXXX XXXX was on my report. She commited fraud & BROKE THE LAW!
Product: Debt collection

I was a victim of XXXX crime. I am not responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXX XXXX -XXXX XXXX/XXXX  # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX  XXXX  # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX
Product: Mortgage

Residence was destroyed & vandalized by squatters. Furthermore the insurance company has not repaired damages. I have requested assistance and repairing residence out of pocket. I have applied for loan modification However the Seleene finance the mortgage service provider has not processing the claim in a timely fashion. Moreover, the loan modification was accepted by XXXX XXXX. Conrqently, the loan was purchased by Seelene Finance which has not accept the modification from XXXX XXXX. Now Seelene Finance stated forcloser proceedings. Please kindly investigate the loan modification being done by Seleene Finance this appears to be Racketeering and predetory lending that am XXXX.
Product: Mortgage

I have XXXX complaints regarding ( SPS ) Select Portfolio Servicing, Inc. * I will explain my XXXX complaint : I have been approved to enter into a trial period plan under the Home Affordable Modification Program since XXXX XXXX, 2015. My XXXX trial payment was sent and received in a timely manner which was due on XXXX XXXX, 2015. But SPS did not handle my XXXX trial payment correctly. They are making it look as if I am late or did not pay at all. It seems as though someone is deliberately working against me. I made sure to get the payment in on time and was advised by my relationship manager, XXXX XXXX to get it to them a week earlier by XXXX XXXX, 2015. I wired it on XXXX XXXX, and it was received on XXXX XXXX. Whenever I called the company about anything thereafter, both the automated system and the persons I spoke with always confirmed that my XXXX XXXX, 2015 payment had been received and that my next payment would be due on XXXX XXXX, 2015. So I felt satisfied that my payment had been received on time. This is how I found out that my XXXX XXXX, 2015 payment was handled incorrectly : yesterday on XXXX XXXX, I decided to call SPS because I had not heard from them regarding my payment confirmation in writing and for giving them the consent to deduct from my checking account for XXXX XXXX and XXXX XXXX 2015. Well, the person i spoke with, XXXX XXXX, could n't find my payment records, I was placed on hold for a long time, then she asked me " how much did I pay? '' I was flabbergasted! Did n't know what to think!. I asked to speak with my relationship manager but she did not transfer me. XXXX XXXX proceeded to inform me that the payment was handled incorrectly and that she would send a note to the Loan Dept. to see if they could change it and asked me to call back in XXXX to XXXX business days. *This is my XXXX complaint : SPS is refusing to assist me in getting my XXXX repaired. I sent the insurance check to them to be endorsed and they wo n't release the funds. I have had no acknowledgement in writing nor by phone that the check was received or their plans for keeping it, neither any explaination of whether they are going to help with the repairs or not. My XXXX is in desperate need of repairing. I had a storm damage 2 years ago and I filed a claim with my Home Owners Insurance Company. They sent me a check to get it fixed. I had to endorse it first and then send it to my mortgage company ( SPS ) to get their endorsement before it could be cashed. I was expecting them to return it to me to be cashed or do whatever needed to be done to start the procedure in repairing my XXXX. But I never heard back from them. So I got concerned and contacted them. SPS told me that they could not release the funds because of the status of my loan. I really need help in repairing my XXXX. There is a bad leak in the XXXX and XXXX. The XXXX is growing and is not good for my XXXX. The damage is getting worse and worser. Every time it rains I have to put a swimming pool under the leak to catch the water. And now the damage is extending into the living room.
Product: Mortgage

My mortgage payments were current with XXXX when XXXX sold it to Nation Star Mortgage on XXXX, 2014. Nation Star claimed I did not make the payment for the month of XXXX previous to their taking over the loan, so to protect my credit, and in good faith we made an extra payment. I then provided them documentation proving the XXXX, 2014 payment was indeed made to XXXX XXXX. We have repeatedly sent in documentation to different entities within their company they told us to send it to, and made repeated phone calls to resolve the dispute. All the contacts they provided us ( XXXX. " single point of contact '' & XXXX my " dedicated loan specialist '' ) were repeatedly unreachable by phone and unresponsive, would not return phone calls after we left messages on their voicemail. As of today, 8 months later, they have not properly credited the account, which *should* show as paid XXXX month in advance. The only responses we get are from their " research department '' who we are able to communicate with in writing but still assert the position that the loan was due for the previous month 's payment at the time they took over the loan. This is still wrong and irresponsible for the company to improperly credit my payments. The issue is simple, I made an extra payment in good faith until such time that the company can find their error, provided them with documentation to help them find their error, and have submitted numerous requests for my extra month 's payment to be properly credited to a future month. It appears they are so far incapable of simple accounting or providing a valid contact person to discuss and resolve this over a 6 month period.
Product: Money transfer, virtual currency, or money service

We have recently faced issues with using the Blockchain.com Wallet, regarding the correct display and loading of the balance page. The problem occurred recently, and many acquaintances and I have not been able to view our balance correctly, and the function to send and receive funds using the wallet. 
The issue occurred on XXXX XXXX, 2021, on multiple accounts. 
We believe is there is a server error. 
We have already tried contacting Blockchain.com on two occasions, but we have yet to receive a response. 
We ask for your assistance in trying to contact the company, so we can resolve the issue.
Product: Credit reporting or other personal consumer reports

Cfpb Dont tell me to go to FDIC .

This is a request for correct reporting per FCRA. Send to company. To Whom It May Concern at XXXX XXXX XXXX XXXX , I am writing to formally request that XXXX XXXX XXXX XXXX update the credit bureaus to accurately reflect the resolution of my account ending in XXXX. This account was settled in full as per the terms of the agreement negotiated through XXXX XXXX, and I request that its status be updated to reflect " Paid in Full '' or an equivalent positive resolution with all three major credit reporting agencies ( XXXX, TransUnion, and XXXX ). The settlement agreement was fulfilled on my end, and the negotiated payment was completed as agreed. Despite this, the account continues to inaccurately appear as a negative. This misrepresentation is not only damaging to my credit profile but also fails to reflect the good faith resolution of the account. To assist you in promptly resolving this matter, I am providing the following documentation : Settlement agreement documentation negotiated through XXXX XXXX. Notify all three credit reporting agencies ( XXXX, TransUnion, and XXXX ) to update the account status to reflect it as Paid in Full or Settled as Agreed. Provide me with written confirmation that the updates have been submitted to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure the accuracy of the information they provide to credit bureaus. Your prompt attention to this matter will ensure compliance with these requirements and prevent further inaccuracies. If additional information is required to process this request, please do not hesitate to contact me, Thank you for your attention to this matter. I trust you will handle this in a timely and efficient manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I do not recognize this hard inquiry
Product: Checking or savings account

On XX/XX/XXXXXXXX  While I was out of the country in XXXX I got notification that transactions were made totaling XXXX at a XX/XX/XXXX gas station in XXXX Ca. I immediately called Chime and they canceled my card and requested to send a new card to me leaving me without a card to use in XXXX which was fine because I did not want any more fraudulent activity to go on. I even called the XX/XX/XXXX however up until now I still havent gotten a response from them after leaving voicemail messages. Chime advised me since the transactions were still pending I could not dispute the transactions until they were cleared. When I arrived home Saturday XX/XX/XXXX and seen that the transactions cleared I disputed the charges in the app. Early Sunday morning I received an email that my claim was denied and no error occurred however I had my physical card with me in XXXX and could not have possibly made the transactions at a gas station in XXXX. Ive submitted my boarding passes showing I was out of the country plus a picture of my physical card that was in my possession as well as screenshots of my call history to chime and XX/XX/XXXX. They have denied my dispute 4 times when I can prove it was not me who made these transactions. Yet they will not send any supporting information as to why they are denying my claim. I even made a transaction while in XXXX using my physical card and all of the agents I spoke with verified that they saw the transactions in XXXX. There is absolutely no way I shouldnt get my money back. They are not doing their job with investigations. XXXX is not money I can take lightly. I am a single mother on XXXX from work. I can not afford someone to take money not to mention they over drafted my about by XXXX. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries not made by me!
Product: Mortgage

I went through a nasty divorce and simply want to get my credit and finances back on track. All I want is NationStar/Mr Cooper to please remove all of the reporting that they are furnishing to XXXX, XXXX, and XXXX. The account balances and past due information is inaccurate and damaging my credit profile. This was a joint account however I am taking the brunt of this after the divorce. I lost my home I simply want to get my life back on track.
Product: Checking or savings account

I have attempted on several occasions to close this account and receive money back for the fraudulent charges, ive spent over 3 hours trying to contact them and dispute the charges and close the account to no avail and im not going to keep wasting my time. The fraud was reported to several bank employees as required and nothing has been done.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by Genesis Credit Management on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine.

I have recently obtained a copy of my credit report from XXXX, XXXX, and XXXX, and I was surprised to find an entry for a debt from Genesis Credit Management listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with Genesis Credit Management.

I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights.

In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt.

Verify that Genesis Credit Management has followed all required legal procedures in attempting to collect this alleged debt.

Confirm that Genesis Credit Management has complied with all relevant statutes of limitations pertaining to the collection of this debt.

Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt.

I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting.

Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law.

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within XXXX  days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within XXXX business days. 

Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote bridge crest letting them know that my account says open when it is closed and reporting on my credit report. I also advised Bridgecrest that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.