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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Experian demands that I pay them {$24.00} a month to lock my credit file. I am subject to a constant stream of high interest personal loan offers, sometimes 4-6 a day, which Experian is the main contributor to. 
I should not have to pay to stop this flow of unwanted and extremely questionable offers I do not want or need. 
Experian continues to advertise my total debt at more than twice what it really is based on an erroneous mortgage from XXXX, which is the responsibility of my ex-wife, and I do not pay, nor have interactions with.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX, I was XXXX with XXXX  for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For 2 years they have denied me a good faith deletion of the late payment on my account that has been open for over 3 years, it is THE ONLY late payment in the history of the entire account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but experian will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
Product: Checking or savings account

I had been with Wells Fargo for almost 20 years and had a business account with them for about 15 years. I run a small nonprofit. I had repeated asked them go do I build my business credit. Can I get a secured credit card, a secured business loan, information about community reinvestment funds. They gave me and helped me with NOTHING!! During the pandemic they wouldnt even help the payroll from the government because we were a micro business. It never dawned on me that I was a female, XXXX run business so they were NEVER going to take the risk and I was being redlined. So when we got a new grant I opened up a new account just for payroll! I had no problems with my account prior to then. After that, they closed my account, in XXXX and sent the check to an address I told them was no longer up. We had the building leveled to rebuild ( I had also been asking them what kind of loans could I get for the building under community development ( never helped ). I still have not received my check and they want me to pay over {$1000.00} to put a stop payment on the check to reissue it when I told them repeatedly the building was not there. I still have not received our money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXX keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until Experian sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED XXXX credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. XXXX XXXX denies any further fraud after their investigations. I will forward copies of all of it to CFPB.
Product: Credit card

I submitted XXXX separate payments via check to my Barclay Old Navy Card and Barclay MasterCard in XX/XX/2022. Those checks were IMMEDIATELY cashed by Barclay, but never deposited. I have been fighting with them tirelessly and sending copies of the cashed checks for 16 months as proof that these payments were made, meanwhile still paying on both of these cards. Nearly 16 months and they just did not care that the checks were cashed and never applied. I have spent hundreds of hours on the phone with their customer service and typing out messages and I have gotten absolutely nowhere. 

After nearly XXXX months of waiting, the payments were applied but incorrectly. Barclay applied BOTH payments to my Old Navy Account, despite them both being labeled with account numbers and account names. So again, I resolved to contact Barclay to fix the issue, apply the payments correctly, and refund me all interest that has been collected on the XXXX account since the day they received payment. They have talked me in circles and refuse to fix this mess. They will not apply the payment correctly and they will not refund me the interest that we have paid. 

We are an active-duty military family with SCRA protection on our accounts ( that they have also failed to apply to the XXXX account ), and this has been the most frustrating experience I have ever had. PLEASE if you can help them apply the payment correctly ( from the Old Navy account TO the XXXX account ) and also refund the interest and overpayments on the XXXX account, I would appreciate it greatly.
Product: Debt collection

This debt collector " Credit Management LP '' engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA I am entitled to XXXX XXXX Dollars per violation which clearly they violated my rights. They are furnishing a fraudulent account from XXXX XXXX acct number XXXX twice on my XXXX credit report. This is not my account and I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called and emailed a letter from XXXX XXXX XXXX, claiming to represent Wells Fargo and attempting to collect a debt that was written off in 2015 in the amount of {$900.00}. They had my social security number, phone number and my current address and an old work address. 

When I told them I wanted a copy of the charges or what this was for, he started talking over me and told me Wells Fargo wouldnt speak to me, and if I didnt settle the account, Id be hearing from their lawyers. 

I did not bank with or have credit accounts with Wells Fargo in 2015. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Main : ( XXXX ) XXXX Called me from : ( XXXX ) XXXX
Product: Debt collection

In or around XXXX XXXX XXXX I received a bill for moving out of a apartment unit in XXXX XXXX, California for around XXXX from a debt company and among the charges was I think around {$800.00} or more for new carpet through out the unit. I had only lived in the unit for about 8 months, so I contacted the collection company by phone and email and disputed the charges and filed a complaint with the California Attorney Generals office against the collection company because they were pretty rude. I also contacted the lard lord and disputed the charges and sent them a letter stating that. As of this date I have not heard from the land lord corporate office regarding the disputed charges. It is my understanding that there is some amount of time period allowed when a debt is disputed with a collection company and the debt company must provide verification of disputed amount. I have not heard from this in any written form since I disputed the amount. I have attached a copy of the letter I wrote to the collection company and the land lord disputing the amount. The last thing I heard from the land lord was that they were sending my concerns to the corporate office. Which I attached a copy of the response form XX/XX/2020.
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 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 vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 45.5k financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

FREEDOM MORTGAGE IS ATERRIBLE company I was suppose to refinance and close on XX/XX/2019 they told me not to pay in XX/XX/XXXX for the month of XX/XX/XXXX. I was working with XXXX XXXX my loan officer. So I didn't pay for XX/XX/XXXX. and then he calls me on XX/XX/XXXX and tells me to pay for XX/XX/XXXX or its going to be on my credit report and Then I  would have a late payment that would make it so I can not close/refinance. I have never done this before so I did not know the process just trusting my mortgage company. So I tried to speak with a supervisor or manager no one ever calls back. I get a new loan officer XXXX XXXX who calls me about closing in XX/XX/XXXX instead of anyone calling me back about the lies I was told. XXXX knows nothing about how his company is poorly handling my hardship and how I had to get more money to pay for XX/XX/XXXX mortgage even though I was told not to and I'm in a hardship and used that to pay my other bills. I even called and spoke with XXXX to make sure its okay to pay my other bills, he said yes these calls are recorded. I ended up paying the XX/XX/XXXX. payment and schedule to close in XX/XX/XXXX. Then the closers never showed up XX/XX/2019 XXXX. I called and got the run around. They reschedule for a few days later and the woman comes late to my house and closes. I then get a late fee letter and so I called and told them I closed they said there is nothing they can do. I spoke with a supervisor and so they said they will remove the late fees. I then get a call from XXXX saying the closer did not fill out all the documents and we need to close again and I will need to now pay XX/XX/XXXX and they sent my check back and I'll have to pay the mortgage and closing cost by Monday and that there is nothing that says they will wave any late charges. I asked for a manager and they said there customer service, loan officers, schedulers and ( Inspire ) the closing company are all different and I can call customer service if I want to complaint. I am now left with no closing. No money for XX/XX/XXXX mortgage and a check that is on hold because they reversed. I will now have this on my credit and can not refinance because this will be considered late mortgage and does not qualify with late payments.
Product: Mortgage

opened a mortgage on XXXX, XXXX XXXX with XXXX XXXX XXXX for XXXX. 

this lenger no longer is around in mass, just sold my house on XX/XX/XXXX and they are holding back XXXX until this matter can be resovled, I need it discharge or need a balance if anything is owed. I have tracked down that HSBC is now handling the loans but when i call they just give me this email address XXXX, i have emailed it as well as my attorney with no response. it is going on 30 days. I filed a complaint with the commonwealth of massachusetts division of banks and they gave me your info
Product: Debt collection

I'm being charged a debt of over {$2000.00} to a hospital that filed for bankruptcy shortly after I visited it back in XXXX and now it shows a debt opened in XX/XX/XXXX and i didnt even go to the hospital then because it was closed and working on getting a new owner/company to take over. I never received anything in the mail that I even owed anything to this hospital before it closed. Then all of a sudden I check my credit report and boom its on there!
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX  Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXXXXXXXXXX XXXX Account Number XXXX, Account Name XXXX  Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX, Account Name XXXX  Account Number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a hard inquiry appearing on my consumer XXXX credit report. This hard inquiry is the result of fraudulent activity and was not made or initiated by me. 

The fraudulent hard inquiry is as follows : Inquiry at XXXX on XX/XX/year> I do not recognize this hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you was not initiated by me and is the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that this hard inquiry is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 

There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 

Two-Year Payment History : ( XXXX ) NO HISTORY REPORTING FOR TRANSUNION XXXX : XXXX XXXX XXXX : ( 2 ) 60 DAY LATE ( WHICH IS 120 DAYS ) WITHIN ( 2 ) CONSECUTIVE MONTHS ( WHICH IS 60 DAYS ). HOW IS THIS POSSIBLE? 
TransUnion : NO HISTORY REPORTING FOR TRANSUNION I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( 2 ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE 2 DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$0.00} TransUnion : {$250.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} XXXX : {$200.00} TransUnion : {$200.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report. My name is XXXX XXXX, and my social security number is XXXX. 

I recently contacted TransUnion regarding duplicate entries related to the Department of Education account # XXXX. This particular account is being reported as a negative account, while there are XXXX additional entries for the same account listed as satisfactory. These satisfactory accounts represent the same account as the negative one, effectively resulting in duplicate reporting. 

The negative account is essentially a consolidation of the XXXX satisfactory accounts into XXXX, which I believe to be an error. The duplication of these accounts has had a detrimental impact on my XXXX XXXX. 

I kindly request that this issue be reviewed and corrected as soon as possible. The current error is affecting my creditworthiness, and I would appreciate your prompt attention to resolve the matter. 

Thank you for your time and assistance.
Product: Debt collection

I've contacted the credit company and the credit bureau about this false debt and they have failed to correct the issue. 

This is going on my 3rd written request asking to provide original documentation about the debt that they claim i owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Equifax Information Services LLCXXXX XXXX XXXXXXXX, GA XXXXThe company named Equifax Information Services LLC, Deleted 25 account from my Equifax Credit report. My credit score was an XXXX on XX/XX/2019, and because I have no account showing on my Equifax Credit report my credit score dropped to a XXXX. I called Equifax the company on XX/XX/2019 I spoke to a rep who said that I don’t have any accounts reported or listed on my Equifax credit report, and that this is per the Creditor. I asked the rep how do I go from having 25 accounts listed on my Equifax report 3 months ago and now having zero accounts not listed on the credit report. I explain to her that the 25 accounts are still active and that they should be showing on my Equifax report. The rep said that I need to reach out to each creditor to let them know that my accounts are not being report to Equifax. This should be the job of Equifax to investigate and not take decisions that will hurt the consumers credit. My wife, and I have been saving money to buy a house, and we are getting ready to apply for a Mortgage. The company Equifax Information Services LLC has wrongfully manipulated by credit history in a careless way. I am asking for the Consumer Financial Protection Bureau to investigate Equifax Information Services LLC negligent wrongful handling of my credit history. I this report I will provide all the creditors that were deleted my Equifax credit report, and I will attach the Equifax creditor reports showing zero information for my credit. It takes a long time to establish credit and to establish a good score. I want for Equifax Information Services LLC to re-instate all my 25 accounts, FIX MY CREDIT SCORE, and to show accountability for the errors and problems that they have caused. XXXX  Account – XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTUS DEPT. OF EDUCATION XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX credit card - XXXX  EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX XXXX XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX – XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX- XXXX….XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX- XXXX XXXX-XXXX- EQUIFAX DELETE ACCOUNTXXXX XXXX – - EQUIFAX DELETE ACCOUNTXXXX -  XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX – EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX- EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX – - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX XXXX –  EQUIFAX DELETE ACCOUNTXXXX  –   EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNT