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

XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and transunion. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a matter of significant concern regarding the repeated attempts made to rectify the late open accounts associated with my account. 

Despite my prior communications and efforts to resolve this issue, I regret to inform you that the situation remains unresolved. It is distressing to note that despite our previous discussions and agreements, the matter continues to persist, causing undue inconvenience and frustration. 

Despite these efforts, I am disappointed to report that the issue has not been effectively addressed, and I continue to face challenges due to the unresolved late open accounts. 

I expect a prompt response detailing the steps that will be taken to address this matter effectively. Additionally, I request assurance that such issues will not recur in the future. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$38.00} ; XXXX XXXXXXXX Balance : {$67.00}.
Product: Vehicle loan or lease

I refinanced the lianed and I was never reimbursed my gap insurance fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$120.00} XXXX {$0.00} XXXX C XXXX {$490.00} XXXX  XXXX {$1500.00} XXXX  XXXX {$4700.00} XXXX  XXXX {$1500.00} XXXX {$0.00} XXXX {$0.00} XXXX {$8700.00} XXXX {$23000.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent letters to Experian, XXXX XXXX XXXX disputing 6 Accounts they state were in collection but had actually been charged off. 
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 As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX FL XXXX, XXXX, NJ, XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Debt collection

Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing XXXX XXXX XXXX who was representing Citi/Sears XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did  n't understand why they did this when I worked out a payment arrangement with the mediator and their law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 A. States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States That A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.
Product: Credit reporting

Please have experian update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney
Product: Checking or savings account

I have a XXXX account because myself and my husband are trying to buy a home, so we are working on our credit score. I paid my XXXX account on XX/XX/year>, for 48 dollars. I saw on XX/XX/year>, that the payment failed. When I looked at my account, I was charged an overdraft fee from my bank account. I was confused as to why I got charged because I can not afford to have a late payment on the credit report. I had to borrow money, and this time, because the payment failed on XX/XX/year>, I had to pay XXXX dollars. Once again, I saw the payment failed, and I had another overdraft fee. I borrowed money again, getting money through my XXXX app on XX/XX/year>. I had to pay a total amount of XXXX dollars. Of course, it shows I have the money in my account, but once again, I was charged an overdraft fee, and the payment on my XXXX account failed. So now I'm paying extra money to the XXXX account because the payments are failing, on top of getting overdraft fees from Navy Federal. They are saying the money is not there when it clearly shows that it is. Well the last payment I had to pay was {$140.00} and I had to borrow money once again using someone else card for the payment to actually go through, not only was that embarrassing this is very nerve reckoning because Im pretty sure this will happen again. I am not pleased with Navy Federal and would like money back!
Product: Credit card or prepaid card

purchased paddleboard ( kind of like a kayak, almost 10 feet long ) on XXXX  on XX/XX/XXXX received shipping notification XX/XX/XXXX no further tracking XX/XX/XXXX and contacted merchant, email bounced and found out merchant have shut down, so filed online dispute received conditional credit, which was reversed on XXXX Contacted citicards via email and phone 5 different times without resolution, explaining above issue. 
was told it was " my fault '' for purchasing on a fraudulent website.
Product: Credit card or prepaid card

My mother XXXX in XXXX. I called regarding her accounts, explaining the payment might be late. Payment to XXXX 's was one day late. It was paid in full. Each month after, late fees were added, and each month I called asking that the fees be removed and was told they would be removed. I was asked to send a copy of the XXXX certificate which I did on XX/XX/2018. Late fees continue to be added and have reached {$92.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$58.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$990.00} XXXX XXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$670.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continue to provide false information and now is stating that XXXX XXXX does not report the XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until XXXX XXXX sends them a letter stating it needs to be removed. 

Experian representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing XXXX XXXX has removed the Bankruptcy from their records, The need a letter from XXXX XXXX telling them to remove the Bankruptcy. 

I'm not sure what XXXX XXXX is reporting to them but Experian is the only Credit reporting Agency that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact Experian I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court,  when asked for documentation they have no documents, and the others are stating as per XXXX XXXX. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX  I'm requesting CFPB investigate what Experian is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App or Block Inc. due to continuous improper customer service and unfair practices. Which subsequently violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent fraud on their platform. leaving my account vulnerable. Furthermore their dispute resolution process was unfair and deceptive. As they did not comply with with error resolution requirements under the EFTA. Having costing me significant financial loss as for others. I seek appropriate redress for these violations for not only myself but millions of others.
Product: Credit card

Card use suspended by bank, User called to inquire- Ally bank requesting copies of ID and statement of ownership. 

Requested Ally to send letter of explanation to why hold was placed.

Ally representative stated no letter available.
Product: Credit card or prepaid card

This is in regards to the original complaint XXXX. 

Company responded with original decline letters, and additional information. The additional information specifically states that they refused to take a fresh pull of my credit information and was going on information obtained before I applied to unsecure this card. 

This company declined my request based on negligence, laziness, and refusal to properly engage in fair credit practices. Why are they allowed to make a decision based on outdated information? 

In addition, i made it very clear in my complaint that all my revolving debt is paid monthly now, and they cited having a " high revolving credit '' as the reason I was denied, Since when is less than 10 % credit utilization considered high? 

They also claimed I have a credit score of XXXX, That is incorrect. My credit score is XXXX, not XXXX. Why is the CFPB closing a complaint when it is so obvious that the credit card company is negligently lying to the CFPB and giving misleading information? 

USBANK, Last chance to fix this issue, the next step for me is going to be retaining a lawyer and starting the extremely expensive discovery process, and the process of moving this into a class action lawsuit to find others like me who you have negligently lied to
Product: Credit card or prepaid card

Dispute XXXX Closed without looking at all of the facts. 
Merchant did not refund the full amount I paid for item when it was returned. Dispute was initiated in XXXX and Discover only looks at whether a transaction is valid not that the amount of the refund was less than the amount paid. As noted per the enclosed attachments, I was charged {$97.00} and only received {$79.00} in refund. As the description of the item attached ; merchant states " full refund in 30 days if not satisfied with item ''. Item was returned within the 30-day time frame. Discover closed the dispute and did not credit the shortage of {$17.00} that merchant did not refund. Again, it is not about a valid transaction that Discover continues to refer to ; it is about the correct amount of money not being refunded by merchant that advertises " free 30 day returns ''. Please assist.
Product: Credit card

Ally Bank will not accept my payments. They tell me due to excessive XXXX, yet any XXXX  I have had have all been made up, and all penalties have been paid. I have an excellent payment history with ally and formerly XXXX XXXX, who unfortunately sold to these bottom feeders known as Ally. 

How can someone ban me from paying, when I have always paid, and made up any and all XXXX  fees????
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit Inquiries on my XXXX and XXXX   Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. *****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX
Product: Payday loan, title loan, or personal loan

On X/XX/17 I contacted XXXX and verbally requested ACH debit authorization be removed so that my checking account was not debited. On X/XX/17, {$130.00} was debited from my account without my consent. I contacted customer service who saw that I had contacted them the day prior to remove authorization. They told me my only option was to contact my bank the next day, which I did. Now I have to dispute the payment through normal channels with the bank, meanwhile my checking account was overdrafted, causing important payments not to go through and charging me an overdraft fee.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by XXXX, EQUIFAX, XXXX. I have been the victim of multiple data breaches that have compromised my personal information, leading to numerous inaccuracies in my consumer report. Despite these serious privacy violations, the credit reporting agency has failed to properly investigate and correct these inaccuracies. 

Breaches : XXXX ( XXXX ) EQUIFAX ( XXXX ) XXXX, XXXX ( XXXX ) many other breaches Specific Violations : FCRA Violations : -Failure to conduct reasonable investigations ( 15 U.S.C. 1681i ) ; -Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) ; -Failure to properly notify me of investigation results ; -Failure to remove inaccurate information after dispute.

Privacy Act of 1974 Violations : -Failure to protect against security and confidentiality threats to records ( 5 U.S.C . 552a ( e ) ( 10 ) ) ; -Failure to maintain accurate, relevant, timely, and complete records ( 5 U.S.C . 552a ( e ) ( 5 ) ) ; -Failure to collect information directly from me when possible ( 5 U.S.C . 552a ( e ) ( 2 ) ) Unauthorized disclosure of my personal information through inadequate data security. 

Disputed Information : XXXX XXXX XXXX XXXX, XXXX Impact on me These violations have caused : -Decreased credit score ; -Denial of credit opportunities -Time spent disputing inaccurate information ; -Emotional distress and anxiety over identity theft risks ; -Financial losses from identity theft protection services ;
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts with all 3 credit bureaus, I attempted to dispute the accuracy and validity of XXXX- XXXX  XXXX  on my report. After multiple attempts, nothing has been changed nor deleted. As this point in time, XXXX  has violated my rights as a consumer under FCRA section 611 ( a ) ( 5 ) as they have not responded to my dispute nor given me an update. i am demanding this account be deleted from my credit report immediately or i will be pursuing litigation in the amount of nothing less than {$1000.00} as tis has negatively impacted my credit score as well as my ability to obtain credit. All receipts and dates of mailed letters and confirmation has been attached below as supporting documentation.
Product: Mortgage

My Name is XXXX XXXX bringing forth this complaint against XXXX XXXX, XXXX XXXX securing the deed of trust of my property located at XXXX XXXX XXXX XXXX, IN XXXX ( Subject Property ) Wells-Fargo has engaged in egregious misconduct and fraudulent activity inducing the foreclosure of the Subject Property.. 
# 1 ) Per HUD regulation 24 CFR 203.604, contact with the mortgagor, provides that " the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the FHA, this regulation applies, as well as the liability reporting valid information to HUD/FHA. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

# 2 ) Per Ind. Code 32-30-10.5 et seq, borrowers in Indiana may request a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. Moreover, prior to the start of the foreclosure, the lender must send the borrowers a pre-suit letter at least 30 days before filing the case in court. This is a form letter that was created by the Indiana Housing and Community Development Authority, which will include the following : ( a ) a statement that the borrowers are in default. ( b ) a statement that the borrowers are encouraged to obtain assistance from a mortgage foreclosure counselor. ( c ) a statement of the borrowers rights if the lender obtains a foreclosure judgment ( for example, the right to appeal a finding of abandonment and the right to redeem the real estate ). ( d ) Contact information for the Indiana Foreclosure Prevention Network, and ( e ) a warning about foreclosure scams purporting to save your home. Wells-Fargo Bank never sent Defendant a pre-suit letter as required by Indiana law. Additionally, Defendant has not had the opportunity to participate in a settlement conference with Wells-Fargo Bank.Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. Wells Fargo has refused to cooperate and has set a foreclosure sale date XX/XX/XXXX. In fact agent ( s ) are advising me that my loan can never modified by FHA, due to whats known as a Credit Decision hard decline for modification assistance back on XX/XX/XXXX. Furthermore, Wells Fargo, has failed to respond a qualified written response by providing an incomplete answer on XX/XX/XXXX.