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

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date XXXX  30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/2020 Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button
Product: Credit reporting or other personal consumer reports

I was alarmed to find unauthorized inquiries on my credit report this morning and I have no idea why they are there. I check my credit report regularly, and this time I saw discrepancies that appeared out of nowhere. I even refreshed the page to check if it was a browser issue, but the inquiries remained. This is extremely frustrating, and I urgently need the documents Ive provided to be reviewed carefully to resolve this and prevent it from happening again.
Product: Payday loan, title loan, or personal loan

3 years ago I was on vacation. And some took out a loan for {$500.00}. XXXX XXXX XXXX said I walked into a store and took this loan out and they have video proof. I never took out a loan. I noticed the charges on my bank statement when I got home. I contacted my bank. They froze my account. And made me open a new account. They did a full investigation and found that these were in deed fraudulent charges. XXXX reimbursed my money. I sent the report to XXXX XXXX XXXX And now 3 years later I'm receiving threatening calls at home and work. Stating they are going to take me court and I'm going to have to pay restitution and they are going to garnish my wages .they are saying they have the video still. This needs to stop. Please help
Product: Credit card or prepaid card

To CFPB, I opened a XXXX gas car account 6 months ago, I love XXXX gas its the best, I used very little of the available funds, I had set up auto pay but always, ALWAYS paid weeks before the bill was due. I had set up my personal bank account to pay reoccurring payments and at the end of the month there is no or little money left until I replenish the account for the coming month. In XX/XX/XXXX of  this year I accidentally paid manually before the bill was due and before I had actually replenished my pay account at my bank and it ended up showing NSF in spite of the fact I still paid it BEFORE it was due. Then on the XX/XX/XXXX of this year I forgot about auto pay and paid manually on the due date. Well as it turns out the auto pay sent the automatic pay request into my bank after the payment had already been received and paid by my bank so the payment was made on time but he auto pay payment was rejected this led to another NSF but it had already been paid. Then the bank closed my account not taking into account that there was a mistake made, when I contacted Synchrony bank they ask me to send in proof that it had been paid, I did so, they have the proof. when I contacted them again on the XX/XX/XXXX and inquired about the matter I was treated rudely which caused my great XXXX which I suffer from, and XXXX also, I'm not supposed to be stressed like this. The reps were rude and said that they would not re open my account in spite of my no late pay record. 
This was a beloved account for me because I love XXXX, and should not have been treated this way.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXXXXXX for failing to properly investigate a credit dispute I submitted regarding an inaccurate late payment on my TransUnion credit report. 

On XX/XX/year>, I submitted a dispute to XXXX XXXX regarding inaccurate late payments reported on my student loan account. On XX/XX/year>, I received a letter from XXXX XXXX stating that they required additional information to proceed with the investigation. I immediately provided the requested documentation on XX/XX/year>, yet I have not received any further response or resolution. 

As of today, it has been over 30 days since I originally filed the dispute, and XXXX XXXX has failed to make a decision or remove the inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), creditors and servicers are legally required to complete an investigation within 30 days. Their failure to do so is a clear violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX   XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Reporting act XXXX  Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX Account # 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 166b A creditor May not treat a payment on credit card accounts under an open end consumer credit plan as late for any reason.

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute 2023-11-03 to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you.

I have attached the letter. I received from experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX breach
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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 request delete the not authorized hard inquiries below : 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX-XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date XXXX inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit card or prepaid card

See attatched statement XX/XX/XXXX. USAA has not explained credit reversals to me. Please explain the credit revetsals on XX/XX/XXXX statement. TOTAL PAYMENTS and CREDITS {$450.00}. Applied for this period. This is a Total of my payment {$77.00} & Merchants {$28.00}, {$47.00}, {$34.00}, then back statement continues permanet credits {$21.00}, {$75.00} PERMANET CREDIT great call dispute my favor {$170.00}, PERMANET CREDIT great call my favior THESE MERCHANT CREDITS AND MY PAYMENTS ARE ALL THAT APPLIED THIS PERIOD. Kindly Note this confusion : NONE OF THE ADJUSTMENT PURCHASES TEMPORARY CREDITS ( all with little - minus signs making them APPEAR SUBTRACTED AND CREDITED SEE XX/XX/XXXX {$49.00} under the {$170.00} INone of the next 14 are not included they are NOT PART OF THE TOTAL AT THE BOTTOM ( * TOTAL PAYMENTS AND CREDITS THIS PERIOD ) again THE NEXT 14 CREDITS. are not included but misrepresented to look like they are. The temporary credits NOT APPLIED. are {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL CREDITS NOT APPLIED {$320.00}. Why do they * MISREPRESENT CREDITS NOT GIVEN LISTING THEM MAKING THEM APPEAR AS APPLIED? USAA reversed XXXX same day they began investigation putting temp credit XX/XX/XXXX NO WAIT THEY ENDED INVESTIGATION XX/XX/XXXX reversed XXXX same day began also NOTE these credits DID NOT APPLY only merchant credits & my payment applied. Then reversed XXXX that merchant just sent XXXX XXXX XXXX ALL WITHOUT APPLYING USAA CREDITS THAT STATEMENT SHOWS. Then see attatched XX/XX/XXXX VERIFY FRAUD CLAIM letter confirming NO ACTION NEEDED BY ME and usaa will continue to persue fraud in my behalf. KINDLY NOTE LETTER XX/XX/XXXX IS AFTER THEY LISTED THESE UNAPPLIED CREDITS What hapoened. Fraud is supposed to be addressed resolved by 60 days. ALL THIS FRAUD IS DISMISSED NOT APPLIED NO RESOLVE??? See attatched Fraud letter XX/XX/XXXX {$49.00} NO FURTHER ACTION ON MY PART {$49.00} is listed as a pretend credit but NOT INCLUDED IN AMOUNT TOTAL CREDITS XX/XX/XXXX USAA REVERSES CREDIT NEVER GIVEN DOES NOT RESOLVE FRAUD IN 60 days as law requires AND USAA STATEMENTS MISREPRESENT CREDITS APPLIED WITH TEMP CREDITS NEVER MADE PERMANET.
Product: Credit reporting or other personal consumer reports

Accounts for : XXXX XXXX XXXX and Default Resolution Group.

15 USC 1681b - Permissible Purpose of consumer reports ; Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 

The Family Educational Rights and Privacy Act enacted in 1974 that protects the privacy of student educational records. FERPA applies to any public and private elementary and secondary, post-secondary school. 

20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; Compliance with Judicial orders and subpoenas ; Audit and evaluation of federally supported education programs ; record-keeping. 

PRIVACY ACT OF 1974 ( 5 US CODE 552a ) ; ( b ) Conditions of Disclosure - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

15 USC 1681o - Civil liability for negligent non compliance ; In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure
Product: Credit reporting 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. Act Name : XXXX XXXX  Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX Act Name : XXXXXXXX XXXX, Act Nane : XXXX XXXX  XXXX, ACT name : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my file that I did not do nor authorize. I filed an FTC report and sent it to the credit bureaus. Experian is claiming it can't be removed because of an auto loan taken out around the time of the inquiries. I explained to them that I specifically went to XXXX XXXX XXXX XXXX XXXX  only because I was pre-approved with them and there was no one else I applied to. They refuse to listen. They are assuming a dealer initiated the inquiries while looking for a loan but as I explained to them that was not the case because I didnt purchase a car from a dealer. The loan obtained was to buyout the lease of my current vehicle. There is also a XXXX XXXX credit card inquiry that I did not authorize and they refused to remove it.
Product: Debt collection

I got a letter that says I owe on a credit card from 2009. It says the got a judgement against me and can renew the judgement, file an Abstract of Judgement, and freeze money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to the Transunion. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. Please remove it immediately.
Product: Credit reporting

XXXX, XXXX, XXXXThe name above is on my credit report and that is not me.
Product: Credit card or prepaid card

An extra {$1000.00} was added to my account on XX/XX/XXXX. I've spoken with XXXX XXXX and I was granted a new puppy and a {$3900.00} store credit. I also was told that the balance previous dog ( who is now deceased ) would be eradicated. The balance Keeps going from {$6000.00} to {$4000.00} and then back to {$6000.00}, messing with my credit score. I received an official letter stating that my balance should be around {$4000.00}, but then I have a bikking statement of {$6000.00}.
Product: Debt collection

A collection from Vance Huffman was place on my Credit Report. The original creditor says, XXXX XXXX XXXX XXXX XXXX. I have never heard of this company, they appear to have something to do with phones. I have had the same phone through XXXX for years and have never used anyone else since at least 2017, prior to that I was living overseas. This is clearly a scam, I have tried to dispute this ; however, my calls are ignored.
Product: Vehicle loan or lease

When I bought the car, they had me pay a down payment, and then I also had to pay the seller a down payment at the end of the term I requested one main to give my title. They stated they never received the title and never notified me in the interim, they have also ruined my credit for life.
Product: Mortgage

Visio Financial was a present lender who has been payoff by XXXX XXXX see attached complaint number against XXXX XXXX Visio Financial has not assist my new lender in getting Visio Financial lien off my property. The XXXX XXXX '' still has a paid lien on by property, so this does n't allow me to sell my property without paying them twice. Visio Financial assisted I speak with XXXX loan Servicer ( see attached complaint made against XXXX ) XXXX has put late fee on my account that never happened, XXXX, owe me XXXX on the closing of Visio Financial balance due was XXXX + XXXX ( in escrow ) payoff showed XXXX approximate I the borrower ask Visio Financial to confirm and correct XXXX payoff balance, it was refused, Visio Financial said " see CLEAR SPRING ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested the following accounts to be deleted from my credit report XX/XX/XXXX. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Product: Debt collection

My pay was garnished by XXXX XXXX XXXX on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my short term XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.
Product: Mortgage

The amount of escrow on the home jumped, but my payment wasn't adjusted. I paid principal and interest every month but the escrow portion was short. Fay Servicing started counting the mortgage late since payment was short, charging late fees, and eventually stopped allowing access to my account online and stopped sending monthly statements. 


When I would call, they would not be able to provide specific information as to an amount to catch up the account. I can't submit payment online or see anything there either. Never did they offer or suggest the possibility of deferrement of penalties or interest. I asked for wiring information so I can send what I imagine is more than sufficient to catch up, but I can't get that either thus far. Two weeks ago I also sent a large check to catch it up, and I've not heard anything back. 

I see online that this issue has happened to hundreds of people. I hope CFPB can help.