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

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
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 ( EFTA ), and Regulation E. These actions have caused significant inconvenience and financial loss. Therefore, I seek appropriate redress for these violations.
Product: Student loan

Hello, I was just on the phone with Navient, my student loan servicer trying to touch base regarding my qualifying payments for the Public Service Loan Forgiveness program since I am about halfway through my 10 years of qualifying payments. It turns out that when I set up the loan, the servicer provided me with wrongful information regarding the loan forgiveness program and set me up with a non-qualifying graduated payment plan despite talking about a possible income based plan. We discussed the loan forgiveness program and how I would qualify since I work in XXXX  XXXX, but they still put me on a non-qualifying plan. I found this out 53 payments later after trusting that I was set up properly. I called XXXX to see if they can back date my loan forgiveness so that I don't have to start my 10 years of qualifying payments over again, but they said it's not possible to change the payment plan going backwards. I am at a loss and can not believe I have to start over after 5 years of payments due to wrong information given to me by Navient. Attached you will find records of all of my 53 payments ( with my most recent payment pending ). They are all paid days before the due date. It does not indicate that these are not qualifying payments or that they are part of a graduated payment plan that is not eligible. They do not indicate that they do not count toward the PSLF. Based on guidance from my Navient servicer I was under the impression that I was making payments that were qualifying payments for the Public Service Loan Forgiveness program and that I was almost half way to my 120th and final payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The informationS which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft and yet you claim it was verified and its mine I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor. 
3. The name of the person who verified the item to you. 
4. The method of communication you used to verify this information.
Product: Credit card or prepaid card

My issue is with Bank of America. I have been a consumer with them for a very long time. i have an excellent payment history and no delinquencies on my account. However, I had an recent indecent where they were suppose to dispute  XXXX  charges for me.   The bank first informed me that both charges were disputed, and then couple of weeks after I notice the charges are back on my statement, and the statement charges were more then what my credit line was.   I called the bank i was really upset that they would do this to me even though i was working with the other merchant to take care of that balance. I was very upset i did not get the help I needed nor anybody took my frustration into consideration.   I told them I want to close my account and I will not pay that balance because it was suppose to be disputed in the first place.   Now this is going to affect my credit i called the bank again. they keep giving me the runaround and transferring my calls fro m one r epresentative to another.   I needed to address this issue. I feel the bank did not really do what they were suppose to based on the terms and conditions to protect me as a consumer. Thank You.
Product: Debt collection

Southwest Credit Systems has put an account in collections that does not belong to me. I have had this removed from my credit report in the past because I have proved that it isnt my account, they remove it, then wait about 6-9 months and put it back on. Honestly this is harassment. I am in the process of buying a house and this continues to be a thorn on my side that I keep needing to have removed. Please stop allowing them to abuse my credit score, my finances and my right. Thank you.
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple fraudulent accounts that I believe were added without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is unlawfully and without permissible proposes reporting inaccurate and unlawful information to my credit report. Company responded that theyre allowed to report such activity which in their terms they state credit bureaus and others. The only bureau is the CFPB as proof is included in attachment. Others is misleading information to consumers and not specific as to who others are. Company is violating my privacy rights by furnishing such information. I have a right to privacy by law. Information is incomplete and not accurate which is a violation of usc 1681 b and inaccurate information can not be furnished on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX y call to de XXXX XXXX XXXX XXXX because i receive a letter whi indicates my Auto Loan is in past due and i made all the payments before 30 days of past due, they told me, i have a payment without the late fee and if i dont pay the late fee they dont apply the payment to the loan and now i have 3 remarks on my credit of 30 days past due. They broken or damage my credit score, all my life i have a very good credit score and they ruined all i made for my credit, i have all the evidence i make every payment. Its wrong ruined my credit for a late fee
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 )  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX {$390.00} 5 ) XXXX/ XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts immediately.
Product: Checking or savings account

XX/XX/ : Ref # XXXX - Requested account be closed and check be mailed XX/XX/ : Return call Ref # XXXX to confirm details of prev call and I also mailed letter as instructed to over-night department requesting account reactivation XX/XX/ : USPS Confirmed Letter was received via signature XXXX XX/XX/ : No call from Wells Fargo as promised once letter was received. Call today to request status update. No one has seen my letter. No one knows why my account is not active but shows active but wont allow anyone of the 4 or 5 people I've spoken with to close the account and mail me a check. My call was transferred a few times to operators and wrong departments until I finally spoke with XXXX, C-Rep Ref # XXXX that I can call back on XX/XX/XXXX and request my check and that would be ok even though it now falls outside of the " grace '' period. She spent the time to confirm some questions about me and indicated account should be reopened ( even though it was never truly closed ) and I can request the check on XX/XX/. 

By the way -- this is the 3rd attempt in 2 years I've made to close this account. I didn't document those attempts at the level of detail I am with this effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED ZERO RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

See the files that are attached. WHAT COULD BE A FAIRANSWER TO THIS PROBLEM?
Product: Checking or savings account

Citibank XXXX services requires that I activate my retirement account in order to roll it over into another institution. This is they make the account activation process almost impossible to complete successfully without require to provide them with an extensive amount of sensitive PII information. They have received my drivers license, employee information details, bill payments details and all the personal information they require in the form including tax information. All of this so I close an account I no longer want. Now they are asking for my Social Security Card which I dont feel comfortable providing because multiple of the customer reps I've spoken weren't able to tell me how they securely handle my private information to prevent compromise. It has been 67+ Calendar days since it started this request with no resolution. 

XXXX XXXXContact CitiBank XXXX XXXX and provided the following documents : XXXX Driver License Account Application form XXXX 24-Resent the following document again Ref Letter Application Form XXXX Drivers License XXXX XXXXRequest confirmation of Receipt with not response XXXX XXXX-Resent Documents again for 3rd time Ref Letter Application Form XXXX Drivers License XXXX XXXX Resent Documents again for 4th time Ref Letter Application Form XXXX Drivers License XXXX XXXXReceived request for additional Documentation Documents provided Previous Year XXXX Water utility bill Ref Letter
Product: Credit card or prepaid card

On XX/XX/2022 I paid off the amount I owed to the CC company. On the same date, the CC company states that I have overpaid. I called in and was issued a refund of the amount I overpaid ( - {$4.00} ). On XX/XX/2022 the check was issued and sent to my home address. After I received the check, I deposited it into my bank account. The amount the CC company issued and the information on my statement were different ( the check was issued in the amount of {$4.00} instead of {$4.00}. I once again called the CC company ( Comenity XXXX XXXX  ) and asked them about the discrepancy. Instead of having a proper explanation, Comenity stopped the check which caused my bank to charge me a fee for a stop payment service of {$12.00} dollars. I called Comenity again and requested an explanation and a refund of the fee my bank charges me. Comenity deposited the {$4.00} to my bank account directly. The refund for the bank fee is still not paid. I am requesting Comenity to issue the check in the amount of {$12.00} to refund the bank 's fees. Thank you
Product: Debt collection

Company continuously reports fraudulent charges on my credit report for a property that I never lived at and is a result of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION ARE REPORTING FRAUDULENT INQUIRIES ATTACHED ARE FTC AND A LIST OF THE FRAUDULENT INQUIRIES
Product: Debt collection

I contacted the original creditor of the debt who advised the amount the agency is reporting on my credit report is inaccurate. The original creditor and agency have continuously refused to validate the debt after several requests were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Product: Checking or savings account

Hello I had over {$500.00} waiting to be deposited into my bb & t checking account but because of the long weekend I knew it wouldnt hit until Tuesday Monday evening I instant transferred some money into my account so I could purchase shipping labels from XXXX for my buisness and knew I was cutting it close but should have been enough to cover the {$36.00} in XXXX costs When I woke up Tuesday all was normal in my account and had over {$500.00} as expected Wednesday goes by same thing I went to bed with {$440.00} in my account when I woke up I had a slew of emails from bb & t and {$200.00} in my account They charged me {$210.00} in over draft fees for the labels Monday night Tuesday morning before the account hit I called and asked since I had the money technically at all times and may have been a dollar or some cents off if they could adjust the fees especially since I have never asked to get my overdraft fees removed when things like this has happened before They said bb & t had strict policy there was nothing they could do I was transferred multiple times and spoke to 2 different managers they just said that they marked my account that I had already asked and they said no and now no one will talk to me This is nothing short of robbery If I had been charged an overdraft fee they should have done so once not kept pinging my account they held my funds and then took them away days later
Product: Debt collection

Midland credit management inc. is saying that I owe XXXX for XXXX Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is a company owned by XXXX company ( XXXX XXXX XXXX XXXX  XXXX This XXXX XXXX XXXX XXXX. XXXX XXXX  and XXXX MA are reporting that my business account ( XXXX XXXX XXXX ) is a consumer credit account ILLEGALLY, after I closed my XXXX Bank account. 

None of the XXXX credit bureaus will remove the account from my consumer credit report. 

Both companies recently ( XX/XX/year> ) reported activity on my report as a consumer debt. Neither will supply the initial business account agreements. 
This act dropped my consumer XXXX XXXX XXXX points in XXXX day ( XX/XX/year> ) XXXX XXXX is practicing the exact same tactics illegally reporting my Business Credit ( XXXX XXXX XXXX ) as Consumer credit. I also previously closed my consumer account with them as well after XXXX  years. 

Neither account is delinquent but the actions gives the impression that my revolving credit is increasing and it brings down my XXXX XXXX on all XXXX bureaus. 

The bureaus WILL NOT properly investigate and resolve the facts of the disputes after 2 years. 

I need a mediator to investigate and assist in resolving these issues and/or disputes before I am forced reluctantly seek legal counsel.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I recently had 2 XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from EQUIFAX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. 
In accordance with the fair credit reporting act converging account # 's XXXX & XXXX has violated my rights again. 
15 U.S.C 1681 section 602a states the right to privacy.

15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. 
Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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: Debt collection

To who it may concern I am here writing to you because on my credit report it shows that I have to pay   XXXX    XXXX  $ for an account that I have no recognition from I believe that I am going through identity theft if you could help me with this issue I have reached out to the compliments and try to distributed but they have denied it
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
Product: Mortgage

To Start we were contacted by our current mortgage company Lakeview to do an XXXX, back on XX/XX/XXXX. We closed on the loan in XXXX XXXX. We were told no refinance was required that we can get the interest lowered to 2.5 %. My husband and I agreed. Once my husband received a letter from the VA that he was now 100 % XXXX, we sent that paperwork to our county office to have that document recorded. The county of XXXX XXXX sent a letter letting us know that he had been recorded in the county office as 100 % XXXX and we were not required to pay taxes. We sent a copy of the letter to the subservient company XXXX to have this also recorded and for the taxes to be stopped and for the loan to be redone to provide a new mortgage payment. We waited 3 months for this to happen. My wife continued to call to get an updated status. Finally, she was told that the county needed to send XXXX a bill saying that we no longer had to pay taxes before they will redo the mortgage amount. My wife and I went to our county office to see if they can give us a bill for zero amount, they intern gave us a zero bill, saying we did not owe any money. Lakeview said they will not accept that because it needed to say we did not owe any taxes. They will send the taxes in XXXX. when they are due and if it comes back saying we don't owe then they will redo the mortgage, but in the meantime keep paying the XXXX. This was not acceptable to me and my wife, so my wife filed a written request as well as called to have the escrow stop. On XX/XX/XXXX, my wife called to request an update on the status and was told that the request was denied because 80 % of the loan had to be paid off before the escrow could be stopped. When my wife asked for further explanation, she was told that Lakeview did an appraisal on XX/XX/XXXX, for XXXX. We became very upset because we were told in the beginning that no appraisal was going to be done. This company is very shady, and they did not tell us that they did an appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.