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

I had a charge-off account with XXXX  XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with TransUnion, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

XXXX  is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

TransUnion seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.
Product: Debt collection

Senor Dinero has illegally and unethically repeatedly withdrawn money from my bank account. I have written them several times revoking XXXX  authorization because the loan is paid but they continue to do so. 

I've also asked them to cease and desist and to not contact me. However ; they are continuing to harrass me via phone, email, and have contacted my relatives and associates in an effort to embarrass me. 

They do not follow Debt Collection Laws and should be out of business
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6500.00}
Product: Debt collection

I contacted them and informed them that Im a victim of identity theft and fraud and provided all the documents required to them but they have refused to remove my name from this account and notifie the credit bureaus that this is not my account and have refused to do anything about it
Product: Checking or savings account

Hi Good day! 

My name is XXXX XXXX. 

I recently made a complain to my bank XXXX XXXX XXXX regarding to the XXXX checks that they froze cause it wasnt literally written under my name instead it was name to my business XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and also name to my XXXX customers named XXXX XXXX and XXXX XXXX. 


This XXXX checks was issued from XXXX and XXXX. My customers gave this to me for their payment of collision. 

However on XXXX 2022 they froze my bank which is XXXX XXXX XXXX  cause they thought it was a fraud cause its not written under my name. However this XXXX asked for a Hold Harmless Letter or XXXX to the insurances/their bank! Unfortunately they failed to get it cause according to the insurances they dont issue it and the only way to resolve is send them back where the check came from but according to XXXX XXXX XXXX thats not how their Policy works! 


On XX/XX/2022 I called them and asked them again the update for my account. And they said they want now the payees on that check to contact the bank of america to fix the problems. In other words bank of america will contact XXXX XXXX XXXX to solve this issue. 


And now today I would like to ask Bank of America to please call XXXX XXXX Bank to help me solve this issue. Because according to the lady i spoke with Bank of America needs to fix also this mistake. 

XXXX XXXXXXXX XXXX phone number direct to the XXXX is XXXX My XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX
Product: Payday loan

I took out a XXXX payday loan from Castle pay day. They are charging a XXXX finders fee for this loan every month. I have to pay something on the principle plus finders fee. The rate is somewhere around 575 %. is this legal
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Experian about an collection being added to my credit report. 
After lookin into the account I called the company and the companies rep could not find the account that was placed on my file to match my ssn. 

Company reporting the false account : XXXX XXXXXXXX XXXX XXXXXXXX Representative I spoke with " XXXX '' Reps direct phone number at XXXX XXXX XXXX This is not my account, please delete as my rights are being violated under the credit laws.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX OF XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX OF XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$390000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ).

It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ).

You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately
Product: Credit reporting or other personal consumer reports

MACY HA AND INQUIRE ON MY CREDIT THAT I DIDNT APPLY FOR
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I reported a scam to CashApp for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but CashApp wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the CashApp user as a scam, it automatically blocks the account so I can't see if it's still active on CashApp. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my XXXX XXXX checking account. I sent XXXX XXXX all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called XXXX XXXX claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor CashApp transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by CashApp and I was dismissed by my bank ( XXXX XXXX ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If XXXX XXXX won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.
Product: Mortgage

Currently CFPB is working with my complaint XXXX. While the issue of my missing payment is being investigated, Loancare reported my account as delinquent and ruined my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX TRANSUNION 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 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 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 or other personal consumer reports

n accordance with the fair credit reporting act, ( XXXX XXXX Account # XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to XXXX  for credit monitoring, their scores and accounts are in line with XXXX, however, Equifax is nowhere near the other repositories, in addition, Equifax was not reporting any account for my credit for over one year, not one account. 

When I asked about the large disparity in reporting, I was told I could buy a copy for {$10.00} which I found ludacris when I asked about the scoring method the response was we can't give that information out. I have reviewed the scoring policy of all three repositories although slightly different there is a common theme.
Product: Checking or savings account

Wells Fargo has been owing me for 2 years for a {$2000.00} dispute that was credited to my account that I did not receive, they keep telling me they have investigators that will start from the beginning and properly investigate this issue but each time each investigator uses the same blue print as the last one they will say I have a son name XXXX XXXXXXXX which is not true then they will continue to give a false narrative stating stating i sent money to hm, this has caused a issue with my wife because i have no son name XXXX  XXXX and my wife is XXXX for a divorce becaue she thinks i have illegimate kids and wells fargo is lying they have not witnessed me stating i have a son, and i sent that to him i have no son name XXXX  XXXX and for theme to create this false narrative they need to pay a fine for lying on my name and causing my wife and I to be separated for the past 2 years becaue of this issue, the blame on the claims department but when i contact the claims dept theysay thehave no record of this issue but every investigator starts their denial off with the same lie that, which no knows who has XXXX XXXX lie out in society they owe {$3500.00},... for the money i never receivd and they owe me for not resolving this in a fasstr pace
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are more than 8 years old and should be deleted from credit report. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$4900.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/2020 {$26000.00} Reported balance 3. XXXX XXXX XXXX Last reported XX/XX/2020 {$3500.00} Reported balance
Product: Debt collection

On XXXX XXXX, XXXX XXXX XXXX XXXX Added a collection account to my credit report for an amount of {$14000.00}. I am not responsible for this collection and I do not owe that amount. I was never contacted about this collection ever. Also XXXX XXXX XXXX is not licensed to collect any debts in the state of Louisiana in which this is a FDCPA violation, and the next steps I will take if this account is n't deleted immediately is to file a complaint with my state 's Attorney General and next a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

On theXX/XX/XXXX I sent out a certified letter requesting that this account be validated and not verified I specifically requested three things * the original signed contract from me to the orginal doctor to release my medical records to collections information bureau also know as XXXX XXXX XXXX. ( HIPPA ) * original doctor statement of procedure * cease all reporting to all major credit bureaus until the documents have been reviewed and validated by me. 

I specifically stated the original documents that if I did not receive the original documents that it would be deceiving the information received by this company was this evening the original document of the statement from the hospital was dated XXXX XXXX XXXX if this procedure was done XXXX XXXX why does the statement show XXXX this is deceiving this is something that was printed up after receiving my certified letter furthermore the signed document received does not state that I gave the hospital permission to give this company my personal information on this alleged debt it is now XXXX XXXX and this company is still reporting in inaccuracy information on my credit report
Product: Payday loan, title loan, or personal loan

I previously reported that Acecashexpress denied my payment back on XX/XX/XXXX. On XX/XX/XXXX, I send them an ACH Revoke notice. On XX/XX/XXXX they withdrew {$130.00} from my count. They have a set precedence of denying me of my consumer rights!!!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Balance {$330.00} Account number XXXX The above furnisher has violated my rights according to 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 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.

Furthermore, the above furnisher has violated The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692, This negative information will prevent me from obtaining a mortgage, car, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americredit/GM Finanial marked my credit late 30 days in XX/XX/2017. Traded in the car at the dealer ship and the dealership didnt pay off the car right away because of a title issue! At the time of the trade the payment was not late! Thanks, XXXX XXXX, XXXX.