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

Experian is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. Experian is dismissivie of the documentation that I have provided to them. 

It is clear as day that Experian did not attempt to contact XXXX XXXX nor XXXX XXXX. To further support the previous statement, XXXX XXXX  provided me with a {$0.00} balance letter. So, XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Experian which is the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXBalance : {$22000.00} - You are reporting inaccurate information as the past due balance is wrong. Updates or rather delete this erroneous account. 

XXXX XXXX XXXX Balance : {$510.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and trans union is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice
Product: Money transfer, virtual currency, or money service

Good morning I have XXXX stored in XXXX. 

The last XXXX XXXXXX/XX/XXXX the company Blocked my XXXX  account without giving any explanation. 

I tried to spike with XXXX by E-mail but they don't answer my questions. 


Best Regards
Product: Checking or savings account

Back in XXXX, my original CashApp, XXXX XXXXXXXX, was closed for violating terms of service. I used both live chat and phone call support lines to attempt to resolve. Both support agents told me they had no additional information, and I would receive a follow-up call or email from the escalation team in order to attempt to recover my account. No follow-ups ever occurred. I made a new cashapp, XXXX XXXX, in XXXX. I have a CashApp card and I use it regularly. Today, XX/XX/2023, between me buying lunch at XXXX ( EST ) and attempting to add funds to make a purchase at XXXX XXXX XXXX XXXX, my account was once again arbitrarily closed with a generic response of youve violated the terms of service. After reviewing the terms of service again, I do not see where I violated the terms. I contacted live chat and phone support simultaneously. Live chat stated they escalated the issue once again. The phone support stated they could escalate the issue, but I explained the issue was never resolved with my previous account and asked them to please transfer me to a manager. I waited in hold, and they returned after an extended period of time to tell me that there was no manager available and I could continue to hold or I could allow them to email it. I confirmed my email, again lamented that no one ever followed up on my previous account, and allowed them to escalate the issue once more. CashApp is a convenient tool, one of which I enjoy using, but after having two accounts arbitrarily closed Im extremely disheartened. The support system and channels available are not conducive to an actual resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached and : Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. Jpmcb - XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX / 12 XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX DATA INT XXXX Balance Owed : {$3200.00} XXXXXXXX XXXX XXXX XX/XX/2021 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 XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX  ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX. 
XX/XX/XXXX XXXX XX/XX/XXXX {$450.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$13000.00} I have sent Experian 3 different letters asking them to verify these fraudulent accounts and to send me the original application with my signature. 
EXPERIAN was yet to do so. its been 105 days since I sent my first letter to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago i checked my credit score, and accounts via   XXXX   XXXX  , i had disputed some accounts that should have been removed from my Equifax Credit report, Equifax removed following accounts :   XXXX / XXXX ,   XXXX   XXXX   and  a second   XXXX   XXXX   account, about 10 days later when i check my score those accounts were added back to my credit report without notifying me at all. this is clearly an violation. I called Equifax, but they would not help me with this issue  . 15. U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer, if any information that has been deleted froma consumers file pursuant to subparagraph ( A ) is reinserted in the file, the Consumer reporting Agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion, or, if authorized by the consumer by any other means available to the agency.
I was not notified in any kind of way that those accounts were reinserted or why. those 5 days have long passed
Product: Credit reporting, credit repair services, or other personal consumer reports

The response I received from XXXX is not doing what I asked. XXXX asking all 3 credit reporting agencies to mark my account as Current and Paid Off isnt the same as Never Late I want the company to notify the credit bureaus to remove the 120 and 180 days late off my report. Just saying account is current is not the same. I want all reporting of late payments and any and all negative activity removed off all 4 credit reporting agencies from this company. I have never been late especially one report shows 120 another report shows 180 days late. I want all the late payments completely removed off all 3 credit reporting agencies as Ive never been late. I want all negative activity removed off all 3 of my credit reports XXXX, XXXX, XXXX from XXXX. Saying current is not acceptable. I want it completely removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On, or around XX/XX/XXXX, XXXX XXXX was an open fraudulent account. The account is now delinquent and is reporting negatively on my credit report. It recently was closed and still a derogatory mark on my credit report. 

On, or around XX/XX/XXXX, 2 fraudulent inquiries ; from XXXX XXXX XXXX XXXX XXXX XXXX were reported on my credit report. 

On, or around XX/XX/XXXX, a fraudulent inquiry from XXXX XXXX XXXXXXXX.
Product: Mortgage

While paying on a Mortgage note with Shell Point Mortgage Servicing owned by XXXX XXXX XXXX Co we fell behind in 2020 due to loss of work precipitated by Covid-19 on the World and as a result entered into a Forbearance agreement, on exiting the agreement we requested to be put into a deferral program but was denied and was only offered a loan modification consisting of higher interest rates and longer term or a repayment plan in lieu of pending and threatening foreclosure, we have been making the regular mtg payments plus some on time for over 10 yrs, we were never late, faced with this dilemma we chose the repayment plan, we were only behind approximately {$10000.00} with good equity and collateral, therefore no risk to Shell point , however we now have to come up with {$4900.00} and the remaining {$4900.00} split over 12 payments plus the regular mtg payment, mind you we are just exiting the forbearance plan due to financial difficulties, we have since been making the new agreed payments on time but to make matter worse Shell Point is reporting us late and delinquent causing further harm when we try to refinance or apply for any kind of loan to remedy the situation. 
We think this action taken by Shell point does extreme harm to its Customers, the Consumer who are already in a precarious and vulnerable situation and been taken advantage of by a Huge Corporation with unlimited options and resources at their disposal to ease the pain their Customer is going through so both will benefit amicable, instead they chose to make the Customers life as financially difficult as possible while their CEO is raking in Millions of Dollars at their Customers demise, expense while inflicting extreme financial hardship on the their Customer the Consumer. 
I hope this info shed some light on this Companys unethical business Practices towards their Customer the Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT OF DENIAL I, XXXX XXXX, Pursuant to 28 U.S.C. 1746, hereby declare as follows : I deny the debt alleged by XXXX XXXX XXXX  on account # XXXX in the amount of {$13000.00} is mine, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount alleged by XXXX XXXX XXXX  is the correct amount and if the amount is correct, I deny the charges were fair and reasonable. I declare under penalty of perjury that the information provided in the the document described is true and correct to the best of my knowledge. 

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

My mortgage loan was transferred from XXXX XXXX  to XXXX XXXX XXXX on XX/XX/XXXX while on a forbearance plan due to hardships associated with XXXX. Immediately upon receiving my loan, XXXX XXXX  and community loan servicing ( cls ) reported me 120+ days late. They did this for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon complaining, XXXX XXXX  corrected their error. But, CLS did not. I reached out to them and they said they had never done that and they send me a letter in XX/XX/XXXX confirming that. CLS loans were then transferred to XXXX, and as of today, I have tried to fix this issue but they cant resolve it because they say that XXXX must correct it not them. I have filed reports with the bureaus, I have escalated through XXXX, and they wont help either. This has created tremendous hardship because I cant refinance due to my credit being impacted by these 3 x 120+ Lates. Help!!!! Please. Someone needs to hold Community loan servicing and XXXX XXXX accountable to report credit accurately. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

my last credit report i see is from XX/XX/XXXX XXXX i cant see any changes. it states " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report '' problem is i can not see who the lender is to get it fixed. I tried getting a vehicle and the lender was told my credit is blocked but my account is not frozen. please help.
Product: Debt collection

My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.
Product: Debt collection

MRC : XXXX called me and stated they would garnish my paycheck for a debt I owed from XX/XX/2007. I called them back and said I would be willing to pay for a lower amount. They declined and said they would contact my human resources department. Not sure if they are but now I 'm worried.
Product: Credit reporting or other personal consumer reports

A few months back I went to analyze my credit report and seen a notice at the bottom of my screen in which I attached. I reached out to Equifax via customer service. They informed me that they didnt have a credit file of myself. I was confused because I always had a credit file and accounts on my Equifax. I attached the accounts and information that is on my Equifax credit report that was lastly updated before I couldnt refresh my credit via XXXX XXXX. Equifax instructed me to send a picture of my drivers license so they can update my file and I proceeded to but nothing was fixed. I am now making this complaint to solve this issue with my drivers license attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/2021 {$180.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Overview
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Checking or savings account

They are up to the same tricks again.

Over drafting my business account. Playing balance games again. Changing the balances than what they are.

I did NOT opt into treating my account like a credit card or my debit card like a credit card.

As a company and bank they are shady. They did that to make illegal overdraft profits for the end of the year quarter.

They will lie and have been using bad apples foreign and domestic to carry this out along with harmful ai.
Product: Checking or savings account

My business wrote a check in the amount of {$XXXX} to an individual. Wells Fargo  cashed the check for {$XXXX} instead. I have a picture of the check and it is hand written to show XXXX XXXX XXXX XXXX dollars and XXXX. I have been waiting a week now to get my money back and Wells Fargo is not doing so. I called in several times, I asked for this to be escalated, and nothing seems to work. Wells Fargo  made an error, and they should fix the error at the time of realizing what they did! I would like this rectified immediately or I will be forced to take my business elsewhere.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX  I contacted Premier Student Loan Center to inquire about a loan forgiveness program for  XXXX . I spoke to "   XXXX   XXXX   '' who proceeded to determine if I qualified for the program. She said that according to the guidelines that I would qualify. She explained that my payments could be lowered from {$150.00} to {$89.00} a month through the program called public service employees forgiveness program or PELF. Additionally, my loan could be forgiven in as little as 10 years. She then had a loan processor contact me for further information regarding my income and taxes. His name was "   XXXX   XXXX  . '' I communicated with him further through emails and submitted all requested documentation. They made it seem like a very common practice in this field.
On  XX/XX/XXXX , a final email was sent to me congratulating me on qualifying for the PELF Program. A new payment amount of   XXXX    dollars would be due  XX/XX/XXXX  according to the email. I thought this was strange since I was expecting it to be {$89.00}.
On  XX/XX/XXXX , I went online to verify that my new payment amount was in effect only to find that it was not.
I contacted   XXXX    and she assured me that it was " being taken care of, not to worry. '' A couple more weeks passed and I checked my account again, same thing, no change.
According to my loan servicer,  XXXX , my payment is {$150.00} a month which is the same as it was before I contacted premier student loans center.
Therefore, this company has done nothing to help me even though I paid them in full for their " service ''.
I have attempted to contact them several times in the past two weeks only to be told that "  XXXX  '' no longer works there and nobody seems to know what happened or why my lender is not aware of my approval for this program.
I 've left several messages for  XXXX , including two voice messages today,  XX/XX/XXXX , and he has failed to return my calls. I spoke to somebody named   XXXX    who is supposedly a supervisor, he told me that  XXXX  would call me but   XXXX   never did.
I have spoken with my loan servicer  XXXX , who advised me that I could have applied for this program free of charge through them, a fact that premier student loan center never informed me, in fact "  XXXX  '' claimed my servicer would not be able to help me apply for this program at all. I now know that I could have saved {$1100.00} and a lot of stress over this nightmare. I was completely misled by this company and they took my very hard earned money and did absolutely nothing to help me qualify for the PELF program as I paid them to do.