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

This complaint is against Experian. I sent Experian a letter dated XX/XX/XXXX because after reviewing my Experian credit report, I noticed a collection on my credit report and I believed this collection was not mine. Also this collection is damaging my credit score. 
The letter stated that this collection was inaccurate information being shared and reported by Experian and that Experian needed to verify the accuracy of this collection. ( which means provide all documentation that Experian has on file that was used to verify this collection. ) if they could not provide documentation, then remove it from my credit report. 
This has not been done by Experian. Experian continues to provide improper disputes. When a dispute is opened with Experian, the response is a generic one, stating the collection is verified. ( When they have actually done nothing. ) In accordance with the Fair Credit Reporting Act Experian and XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 

The information regarding this collection is below and shows exactly how it is viewed on my credit report. I can provide other documentation as well. 

XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX. 
{$2900.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX. 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2900.00} Paid off XXXX  % Monthly payment - Past due amount {$2900.00} Terms 1 Month Responsibility Individual Your statement **CONSUMER STATEMENT** THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and closed my XXXX credit card account last XXXX shortly after I paid the annual fee for 2021. This year they are trying to charge me the fee again and have reported me to the credit bureaus as being 90 days late. How can I be 90 days late on an account that was closed a year ago? 

I dont know my account number due ro the fact the account has been closed for a year and I destroyed the card when the account was closed. All I can get is the first XXXX digits from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies. I have written to these agencies disputing credibility of the debts alleged in my files. However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts. I am frustrated at this point because I dont have any other cause of action and I hope you can help me here. In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as XXXX XXXX XXXX XXXX on six months contracts. I therefore, Paid 2month rents in advance starting from XX/XX/XXXXl through XX/XX/XXXX. In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX upon my return from XXXX, Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment. I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies. Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting. I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files. <P/>Please I need it removed immediately. Thanks
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I noticed that Equifax is reporting a inaccurate credit utilization from my XXXX XXXX and XXXX credit cards. Reinvestigate the credit utilization on both credit cards. Both credit reports are dated at the bottom the screen shots as proof of the day screen shot was taken.
Product: Mortgage

I was divorced on XX/XX/2007 and in my divorce decree it stated that the mortgage, HELOC, and all assets and liabilities from the home and property were the responsibility of the wife. I have been harassed by BECU and have had my paycheck garnished several times to pay something that was ORDERED by a JUDGE to be the responsibility of my ex-wife. I am a Federal employee and they sent garnishment paperwork to the Office of Personnel Management to tarnish my career. I ended up getting the garnishment cancelled and they now pull funds directly from my bank and I can't stop it. I KNOW this XXXX XXXX XXXX HELOC on a FORECLOSED and resold home has been paid off by insurance by now. I should not have to pay BECU for something that is not my responsibility. I have my own mortgage ( that went up {$800.00} a month ago ), two car payments, insurance, $ XXXX in credit card debt, XXXX children ( two getting braces ), and a host of bills!! I need this to cease.
Product: Mortgage

The check my bank sent for the regular XXXX payment using XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX was not cashed, and the mortgage payment showed on the RCS website as past due. 
I noticed and called them around XXXX/XXXX/XXXX. I was told that they had problems with the mail this month, not to worry, many customers were in my situation, and the late fee will be waived for all their customers. 
I called again around XXXX/XXXX/XXXX, and was assured again that all is well. 
on XXXX/XXXX/XXXX the payment was still not posted yet. I called RCS again because I was worried that a 30 day delay in mortgage payment will be posted to the credit agencies. That would be a credit disaster. 
I received no promise that such a report will not be filed. I therefore offered to pay again for XXXX over the phone, about two weeks earlier than my regular payment in XXXX, to make sure that the XXXX payment is credited before 30 days are over. 
The agent told me that while the penalty will be waived, a " transaction fee '' varying between {$5.00} and {$12.00}, charged by XXXX XXXX, will be charged to me. He said that he has no way to waive this charge. 
My suggestion that this is an RCS problem and therefore they should pay the charge got us nowhere. 
I ended up paying again for XXXX through their website, paying a {$5.00} transaction fee. I still have to see tomorrow whether the payment without the penalty will be credited to my account. 
RCS is not taking responsibility for their problems. I see no reason for me to try and work around their issues. It cost me {$5.00} this time, but I had issues with them in XXXX and in XXXX where my payments were " lost '' in their system for a few days at a time. This is the only servicer I had issues like this with. 
They need adult supervision before they cause a lot of damage and a lot of work for other people.
Product: Money transfer, virtual currency, or money service

I met a couple ladies at a bar on a trip to XXXX this past weekend on XX/XX/year> and one them went by the name of XXXX  ( Real first name XXXX ) and her friend XXXX XXXX. These two collaborated somehow to scam me out of {$3000.00}. They both had a motif to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take me back to my hotel and I was not aware of my surroundings in which they used use my phone to do the Zelle  transfer. I had no recollection of this even happening until my wife noticed it when she checked in the morning. I have found out thru my institution XXXX  XXXX XXXX that this was transferred to another XXXX  XXXX XXXX account. I am lost and contacting all outlets to help me from these scammers. I would file a police report but I had to fly back to where I lived in Florida. please help!
Product: Credit reporting or other personal consumer reports

Ive found errors on my credit report under 15 USC 16c-2. Unauthorized hard inquiries are included, and theyre hurting my credit. Kindly remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/2020, I ( XXXX XXXX XXXX attempted to pay a residential handyman for his services for an amount of {$1800.00} via XXXX. The payment did not go through immediately as it usually should. So, I called Ally and tried cancelling the XXXX transaction and instead try XXXX this time. Fortunately, the XXXX transaction went through and the handyman got paid for his services. However, XXXX did not block the previous transaction as requested, and went ahead with the duplicate payment on XX/XX/2020. 

The recipient, knowing the quandary I was in, informed me that he wasn't able to receive the XXXX transaction as well as he didn't have an account with XXXX at that time. This was the last time I was able to make contact with this handyman. As of today, this {$1800.00} is being held with XXXX due to " compliance reasons ''. 

Since XXXX, both XXXX and Ally have been playing a game of cat and mouse by not giving a clear response on when this transaction would be reversed. XXXX wants Ally to initiate a claim to reverse this payment, and Ally refuses to do the same. This practice is fraudulent and unethical and I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a five disputes to the following credit companies. XXXX XXXX and TransUnion, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

CNAC FL XXXX is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. Also theres an inconsistent payment history reporting for this account Ive attached a screenshot. Payment history must be verifiable and accurate each month on an account. There is ND ( no data ) reporting for months XXXX, XXXX, XXXX of XXXX XX/XX/XXXX. This is inconsistent and hasnt been properly verified. How is it that this account was charged off, sold yet I have no 1099 form? Its against the FCRA to report inconsistent payment history of an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get dispute items on my Equifax credit report for 9 months. Every time I call Equifax no one from the company can access my report. I have ask to speak to supervisor or anyone that could help and Im always told that they can not pull a report for me. Ive also been told it was an error on Equifax part and it would be fix. As of today Im still having the same problem. Equifax can add things to my report but cant find my report when I call. This is very frustrating that it cant be resolved.
Product: Credit reporting or other personal consumer reports

I have been requesting this information since XXXX of 2024. I filed disputes and mailed letters to Equifax, XXXX and XXXX. Also with each collection agency I have also requested all names address and work history to be removed
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against Experian as I believe their handling of my credit disputes has negatively impacted my credit opportunities. After conducting extensive research into the CFPBs lawsuit against Experian, I feel that my experiences align with the issues highlighted in the case.

Specifically, I previously submitted disputes regarding inaccuracies on my credit report, providing documentation to support my claims. Despite this, Experian verified the disputed accounts without proper investigation, leaving the inaccurate information on my report. This has significantly harmed my creditworthiness and ability to access financial opportunities.

I am requesting a thorough investigation into Experians practices concerning my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). I would also like to know how I can ensure that my rights are upheld and inaccuracies on my report are corrected. 

I am happy to provide additional documentation or details if needed. Please let me know the next steps to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently obtained false account information from Affirm, which was removed from my report as it was invalid. Upon further looking into my Consumer Report I see Affirm has yet again placed incorrect information on my consumer report. I ask that these false accounts be removed as this is not only defaming, but also putting me at financial risk. Affirm has never sent any documents showing validation or a signed contract by me which was why they got removed from my report. However Illegal access to my personal information is happening without accurate information being supplied. They have violated my personal rights. Clearly my personal information is not being protected. I kindly ask that all inaccurate information be removed as you are causing significant emotional trauma.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. 
Thanks, XXXX XXXX
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, stress and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On and around XXXX of XXXX, I wrote to all of these private agencies ( i.e. Equifax, XXXX, and XXXX XXXX ). And they all continued to negatively report incorrect info and improperly use me personal information without my permission. The also, refused to properly ( re ) investigate these matters. While only sending me a standard computer generated " verified '' letter without any employees name or signature to show, WHO did the investigation. Which is a total violation of the FCRA under section 15 usc 1681, et.seq., and my consumer rights. I have provided proof the the collection company is fictitious or commiting fraud see attached/documents from CA. DOJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX  XXXX XXXX. The date of last activity on this account is over ( 7 ) years old. Reporting this line item is a violation of the Fair Credit Reporting Act and needs to be removed. In addition, this false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Since 2022. I have asked experian to remove the following addresses : XXXX XXXX XXXX XXXX, NY and XXXX XXXX XXXX XXXX XXXX from my personal information. This is inaccurate information and should be immediately romved
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX Santander Consumer loan I bought my vehicle in XXXX of XXXX, After repossession of my vehicle 2 yrs. later there was a 33 state Predatory lending class action settlement against Santander Consumer USA where Santander agreed to relive all defaulted loans to help repair credit of those individuals. So, after several attempts to get the account removed from my credit profile it remains on my credit report. Santander settle the case early XXXX according to the agreement, my debt is to be forgiven and the account status because of what the agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint
Product: Checking or savings account

In XXXX of XXXX  I created a checking account in branch with truist. I told them I wanted to apply with the code XXXX. This provides a {$400.00} bonus with {$1000.00} in direct deposits. I waited XXXX months after the closing of the XXXX month period and called to make sure I hit the quota. The branch told me it might take a month after the closing date to get the bonus. A couple months later I have been reaching out and getting no one to return my calls and no one to help with solving this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. WESTLAKE FINANCIAL SERVICES has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to WESTLAKE FINANCIAL SERVICES, which was received by the company on XX/XX/2018. On XX/XX/2018, WESTLAKE FINANCIAL SERVICES sent me a copy of an alleged Retail Installment Contract, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that WESTLAKE FINANCIAL SERVICES had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, WESTLAKE FINANCIAL SERVICES has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Mortgage

PHH MORTAGE LISTED ME AS A LATE PAYMENT TWICE DURING THE COVID PANDAMIC AND I WAS IN THE FORBARENCE PROGRAM