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

On XX/XX/2021, I mailed XXXX copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX XXXX XXXX XXXX XXXX put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of Equifax, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from Equifax will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX 'XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXX  's claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX & XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX & XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

Equifax, XXXX and XXXX are reporting information that is inaccurate, and must be removed.
Product: Payday loan, title loan, personal loan, or advance loan

ACIMA DIGITAL is furnishing incorrect and inaccurate to the consumer reporting agencies. 

The reporting of such information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and housing purposes. 

This inaccurate reporting has damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

As defined by the IRS Duty : A Moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact Prohibition : a law or regulation forbidding something As defined by The IRS Even if you did not receive a form 1099-C, they must report canceled debt as GROSS INCOME on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT.

By definition, The IRS clearly states a charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 S-2 states that, Acima, are a furnisher of information to a reporting agency.

They are PROHIBITED BY LAW to furnish inaccurate information.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies 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.

The lender must file Form 1099-C and send me a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency or other applicable agency as stated in chapter 1.

The above paragraph is taken directly from The IRS 2021 publication.

They have not sent me a 1099-C that they should have sent when they filed the account as a cancelled debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. 

The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 

You have caused myself and my family harm due to your negligence and inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies on my Equifax credit report, which infringe upon my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that Equifax is reporting accounts that do not belong to me : XXXX  XXXX Bankruptcy : Reference # XXXX XXXX  XXXX Bankruptcy : Reference # XXXX XXXX XXXX  : Reference # XXXX Under 15 U.S.C. 1681 ( a ), I have the right to privacy in my credit report, which has been compromised. Further, 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) mandates that a consumer reporting agency should not report credit information without my written consent, which I have not provided for these accounts. 

I request that the CFPB investigate Equifaxs actions and direct Equifax to correct my report by removing these entries. I have enclosed relevant documents for reference. 

Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

I have had just open a. Accounts with coinbase and a new phone service with XXXX my SIM CARD was access and my phone was no longer in working condition to make calls or receive texts when I complain to coinbase they said theres nothing they can do to return my money after weeks of having to email them over and over again they only gave a ticket number which is # XXXX, I had over XXXX $ and theyre not giving it back
Product: Credit reporting or other personal consumer reports

ONEMAIN : XXXX This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For that reason, XXXX requesting any account-level documentation in your possession in addition to the following information : Application account agreeement and annual disclosures billing statements from open date to current copy of hardship or workout plan agreement Gramm Leach Bailey Disclosures copy of 1099-C
Product: Student loan

I've been attempting to enroll the account in to Auto-pay after removing it to change banking information in XXXX. The auto-pay system is apparently a manual entry once an online request is made, but there is no indication on the account that there is a pending or existing auto-pay setup. 

On XX/XX/XXXX I was told verbally by a representative that auto-pay applications could take up to 60 days meaning that my enrollment that I received email confirmation for on XX/XX/XXXX wouldn't become active until the payment date of XX/XX/XXXX. This delay is note accurately communicated as the email from XX/XX/XXXX states an estimated payment start date of XX/XX/XXXX ( the next billing date ). 

The representative told me that I would only receive a confirmation of auto-pay enrollment once the request is processed and that the 0.25 % rate discount wouldn't be in place until then. They also stated that manual payments would need to be facilitated until auto-pay is activated. This is not being communicated on any pages of the servicer 's website or on emails. 

This appears to be an intentional delay in processing auto-pay request, something which could be automated. A delay in this means delays in payments which could cause fees and additional interest and also delays the interest rate reduction required by all federal student loan servicers.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX ( 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 proce 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, and I seek appropriate redress for these violations.
Product: Debt collection

HAVE BEEN GETTING PHONE CALLS FROM WELTMAN, WEINBERG & REIS FOR OVER 9 MONTHS over a credit cards that I paid of from XXXX. I live in Michigan were they are bar from. So they are using a local attorny to steal money from me, Her name if XXXX XXXX XXXX phone XXXX who has started calling me. I told her to stop and blocked her on my phone. What I owe XXXX is money that the tried to take from my bank! They also took money form my XXXX card and charged my credit card with the money that the stoled!
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided.

I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and 3. An FTC Identity Theft Report. 
Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). 
Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. 
Under California law, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state law.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} Late Payment : XX/XX/XXXXXX/XX/XXXX {$1100.00} XX/XX/XXXXXX/XX/XXXX
Product: Credit card

XXXX credit to use towards XXXX XXXX XXXX  made payment as agreed they closed the account without notification- kept making payment but it keep increasing each time - now they report it as delinquent
Product: Credit card

I became the victim of a scam, in which the scammer was able to gain access to my bank account and credit card at Wells Fargo Bank. The scammer was able to complete a cash withdrawal of {$9000.00}. I was advised to meet with a banker, which i did the same day and he was able to close all of my accounts ( checking and credit card ) and new account numbers were issued. 
WFB then determined that the charge was fraudulent and they provided me with a provisional credit of {$9000.00} while they completed an investigation.

I later learned that WFB charged me a cash advance fee, and the interest associated with this {$9000.00} withdrawal. Because the credit card was set up as automatic payments, a miniumum payment of {$140.00} was withdrawn from my checking account. 
I never had any charges on this card, and because the {$9000.00} cash advance, and the fees/interest that have been charged, should be removed. Additionally, the {$140.00} payment that was automatically taken should be reimbursed to me.
Product: Money transfer, virtual currency, or money service

Someone hacked into my Coinbase account and transferred XXXX XXXX XXXX XXXX XXXX, close to XXXX dollars. 

To : XXXX XXXX Coinbase emailed me and they said " If this wasnt you, lock your account immediately. '' I locked the account and filed a case with Coinbase.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows my score dropped when an improper collection was removed. Thus should have been a increase credit score not a drop. 

Also, two hard hits were removed which should reflect positively, but did not. Instead, my score was severely dropped. 

I never gave authority to the company XXXX to do a hard hit on my report.
Product: Checking or savings account

Im a Retired XXXX Veteran and have been with Navy Federal for over 20 years. Ive had surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when my account showed sufficient funds at the time of the transactions. I was illegally charged overdraft fees in two ways. First, when I made purchases with my accounts showing enough money to cover the transaction, the credit union still charged me overdraft fees if the account had a negative balance once the purchase posted to my account, sometimes days later. Second, when I received money though payment services like XXXX, XXXX, and XXXX XXXX, Navy Federals systems showed the money as immediately available to spend. However, the credit union failed to disclose that payments received after XXXX XXXX  Eastern ( and later, after XXXX XXXX  Eastern ) wouldn't actually post until the next business day. I tried to use this money were then charged overdraft fees.
Product: Credit card

I have been making payments of {$500.00} on my account every month, specifically around the XXXX. % XXXX XXXX  goes towards the interest only and an additional {$27.00} XXXX interest on cash advances. However, due to the unforeseen loss of income caused by XXXX, I am struggling to keep up with my payments. Even though I am a veteran with a 70 % XXXX, my request for a lower interest ( XXXX % ) rate was denied by the company. Before the pandemic, I had strong finances and no use for credit cards. I ask for the company 's compassion and understanding during these challenging times. Any relief would be appreciated. This isn't particularly good after we swore to defend the same country that is unwilling to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I obtained via the website for LendingClub, a payoff amount for an installment loan. The payoff amount quoted was {$15000.00} and was paid in full, on XX/XX/2021. 

In XXXX of 2021, I received an email stating I was 74 days past due for an amount of {$1300.00}. I immediately called and spoke with multiple representatives, who initially refused to provide me with account information, as there was allegedly a POA in place. However, that POA had been removed less than 30 days after it had been initiated, in XXXX of the year prior. 

After several weeks, the investigation concluded that I did not have the appropriate information available to me, to know there was a remaining balance, when I'd been provided a payoff amount, via the LendingClub website and that I should have been notified BEFORE I was 74 days past due. The result of their investigation was to report a 30 days past due and a paid in full status.

This resolution is unacceptable for multiple reasons.

1. I was never late. I paid the entire account balance in XXXX. 
2. It took more than 4 months to notify me that there was a balance, and I received it ONLY after derogatory information was erroneously reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Regarding my previous complaint number : XXXX with the CFPB I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 



Specifically : Loan account ( s ) [ XXXX Account Type : Installment Account Type - Detail : - Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$12000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account transferred or sold Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Mortgage

We had a loan modification put in place XX/XX/XXXX that expired XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX and the lender determined the monthly payment of {$1500.00} and the term ending in XX/XX/XXXX. This was not a re-modification but the remaining loan conditions. 

A transfer of loan servicing companies occurred during XX/XX/XXXX with payments due to the new company, BSI Financial Services, in XX/XX/XXXX. Timely payments have been made with the old servicing company as well as the new servicing company with all terms staying the same. 

As of today 's date, no XX/XX/XXXX statement is available ( usually mailed and nothing is online ). To our shock, the online account information shows the XX/XX/XXXX payment due of {$5200.00}. 

Why and how can a new loan servicing company just change the payment? Do we have to wonder if we can stay in our home every time a new servicing company is hired? 

The main issue is how do they have the legal right to change our loan? The modification period was over XX/XX/XXXX. The remaining rate and terms were decided at that time. Since that decision we 've made all payments on time. Nothing else has changed except a sudden change in our payment without notice, without a statement, without a reason, and besides all of that, about a 16 % interest rate. 

Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services, we can not make our normal payment of {$1500.00} because it will only be put into the " unapplied funds '' account. Only {$5200.00} will be accepted. 

So we not only have an invalid ridiculous payment change but now our good record and credit are in jeopardy since we can not make our valid mortgage payment. 

As XXXX XXXX barely making ends meet, we do not need this duress and stress. 

There is absolutely no reason for the new servicing company, BSI Financial Services, to change our loan terms, and even if we were n't seniors, this is outrageous.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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. 


XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

Hello, My name is XXXX XXXX and my mortgage acct number is XXXX. I have had multiple complaints. Our mortgage payments are constantly being mis applied and saved in reserved which is looking like we are behind in our mortgage payments. This month we only paid enough to make a full payment about with the funds that are in reserve and paid an additional amount to avoid and fees can you please look into this for me. I am unable to call due to being in a chapter XXXX bankruptcy I am unable to be assisted over the phone. 

Also my chapter XXXX bankruptcy payments are showing as less then what has been paid into the Trustee can I also get that updated. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing in response to the EdFinancial Customer Resolutions Unit letter dated XX/XX/XXXX, regarding the delinquent credit reporting for my student loan account. I am providing additional documentation to support my request for a re-evaluation of the negative credit entries reported from XX/XX/XXXX through XX/XX/XXXX. I also request that this review apply to any other account with their institution that may contain similar negative information. 

Attached, they will find proof that my household received Supplemental Nutrition Assistance Program ( SNAP ) benefits during certain periods of the reported delinquencies. Specifically, I have attached : 1. A notice from XXXX XXXX XXXX confirming my households eligibility for SNAP benefits from XX/XX/XXXX to XX/XX/XXXX. 
2. A second notice verifying eligibility for SNAP benefits from XX/XX/XXXX to XX/XX/XXXX. 

These documents demonstrate my qualification for a deferment due to receiving public assistance as outlined in their response.
Product: Debt collection

We receive back to back threatening letters to sue us and contact us at work. I called to arrange something and they repeadely said my whole families information and ss #. Very violating of my families information. Would n't answer me to why he needed my ss # when the bill is in my husbands name. Constant letters threatening us.