23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Ink. ) due to inaccurate customer service in unfair practice which violates the Consumer Financial Protection Act ( FCPA ). Specifically Cash App failed to take timely and effective measure 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 fraud transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violation.
Product: Checking or savings account

In XX/XX/2022, I disputed a charge from the gas station of {$55.00}. Capital one credited the funds back to my account. On XXXX XXXX capital one debited my account {$55.00} for the same transaction claiming they needed a receipt from the gas company even though the same information was on my bank statement. Then, on XXXX XXXX I made a payment to capital one credit card using my capital one bank account ; I transferred funds from savings to checking to pay my bill. A week later I find out the payment was never received mean while my bank account was charged. A few days before that incident I noticed my checking accounting was negative {$47.00} I then transferred {$60.00} from savings to checking to cover the balance. I noticed no transaction on my account was actual negative however the bank wiped away {$60.00} my new balance was {$17.00}. If the amount was in fact not showing a negative balance the available balance wouldve posted {$60.00}, not {$17.00}. The bank has failed to resolve these issues and theres more. Ive called them many times in a week they provide excuses, have been rude to me by arguing about the balances and transaction details ; also the companys bank manager has provided a negative customer service experience.
Product: Credit reporting or other personal consumer reports

Hello Equifax, is displaying fraudulent activity on my report that I never did. I have asked them to remove it or furnish me with validation that I did it however I never hear anything back.
Product: Debt collection

Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
Product: Mortgage

I was appointed the financial POA for my Uncle, XXXX XXXX. In XXXX XXXX he entered assisted living. In XX/XX/XXXX, I notified Wells Fargo Home Mortgage he could no longer make mortgage payments, and I put the house up for sale. The office of the President of Wells Fargo Home Mortgage, XXXX XXXX ( XXXX ) contacted me and I discussed the situation. I contacted him back in XX/XX/XXXX letting XXXX know that the house was under contract. I closed on the home XXXX XXXX, XXXX. I have been requesting since that time the small portion of {$200.00} that my uncle had left in escrow. I have called and emailed XXXX and Wells Fargo Home Financial numerous times. All I am doing is trying to help my XXXX Vet Uncle get the funds to help with his medical bills. Please help me! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company IXXXX XXXXXXXX XXXX XXXX and I have the same understanding regarding the late payment reported on the account XXXX. However, there needed to be a better understanding of the payoff date. A late payment was reported in XX/XX/year>. This loan was initially a XXXX loan but was extended to XXXX  months due to a skip-a-pay feature. This caused the payment to be reported as late a month before the balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Some of the information in my credit report is inaccurate or incomplete, or both. Please correct all of the inaccurate and disputed issues below. 

AES - LATE PAYMENT 90 DAYS I have asked you to verify this late payment and send me, via USPS, how you determined that I paid late. I do not have any late payments, but my credit report shows otherwise. Please fix this. I paid this debt. I disputed this debt with the furnisher, but its not reporting as disputed. ] Please correct this information. 

Please send me all proof and any information you receive from your investigation, and tell me what procedure is used to decide the correctness of the information you report, plus the business name, address, and phone number of any people/companies that give you information. Also, please send me a complete copy of my credit report. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my problem consists of having paid for services in advance which I come to learn violates the Credit repair Organization Act and then a monthly payment of {$89.00} dollars and during the time I was with them nothing was performed on my file. I had to go ahead and file myself today to do the work that while I was charged, was not performed. 
The company has my bank account and card number and I do not want them to take any more money from me. 

I was contacted by the company that could not charge me for another installment and curious as to no results I checked and saw that nothing was disputed or done on my behalf. I have numerous issues stemming from identity theft and was told I had to mail my license copy to the credit bureaus which I did. Nothing ever came of this. 

I know I was misled and abused and would like assistance by this agency to recover monies paid for work that was never done. The work done now was done today XX/XX/XXXX and can be verified by this agency as it sees fit. 

the company name is United Credit Education Services ( UCES ) XXXX. XXXX XXXX XXXX, MI XXXX and the number they have is : XXXX
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

Long story short, I got scammed on buying some rare XXXX XXXX by a unknown entity
Product: Mortgage

Client Number XXXX - Issue refinance to a low rate. Current rate 5.6 % Blocked from refinancing my home. Last year sold and investment property and paid down XXXX worth of debt. My credits score was at XXXX. For the last year I have paid all bills on time. See my credit report. My credit score is at XXXX. NO REASON. XXXX said serious delinquency on bills paid in 2011.
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 XXXX XXXX, XXXX XXXX XXXX XXXX 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 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

I have reached out to Transunion multiple times since XXXX to resolve this issue. I have sent multiple certified written request for investigation pursuant to the FCRA rules. At no point was the issue resolved or followed up within the 30 days. Transunions Union supervisor spoke to me in a degatory manner XX/XX/XXXX and pointedly advised there was nothing further to investigate because I kept disputing they same issue with XXXX. I have since written the CEO of Transunion. As a result of my most recent letters Transunion is the only credit bureau refusing to grant me access to my free annual credit report. A report that I should have access to more frequently due to COVID-19. This behavior is not only retaliatory in nature but discriminatory. The other two credit bureaus are able to provide me with a serious of questions to verify my identity and give me access to my report. I answer all of Transunions question and each time the end result was they could not verify my identity. One of the last questions most recently was to state where a sibling ( they named the sibling lived ). I answered the questions and it came back they could not verify my identity and refused to provide my credit report. 
Transunion in my opinion, continues to aid XXXX in the companys predatory business practices. XXXX continues to change the amount owed and did not follow the state of Texas repossession laws. As a result the ever changing debt amount is not valid, they have not provided the requested documents of how they arrived at the debt amount despite the debt not being legitimate. A key question, how much money did the tow truck driver pay on the debt when he continued to drive the vehicle after I surrendered it? How did you arrive at the same original sale price of the vehicle over a year later as the original written off amount? What amount was claimed as a business tax credit? The charged off amount shows in excess on {$20000.00}
Product: Debt collection

I am not liable for this collection debt, I have no knowledge of this debt. I don't have any contract with LVNV Funding and no original contract was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two accounts with synchrony bank jewelry department and was making payments until for some reason in 2013 they stopped cashing my checks I was sending through XXXX XXXX  bill pay. I have contacted them to remove the delinquent report from my account but they were unwilling to remove late payments even though the issue was on their end. I contacted them in may to ask if I could pay the balance and they remove it as I dont dispute the amount is owed. They then began reporting my account as charged off every month dropping my credit score and trying to force me to pay without them adjusting my payment history, which again was because they did not cash my checks. The checks were sent on time and I verified with XXXX XXXX  that they were sent. Just never cashed
Product: Mortgage

The Complaint : Mr. Cooper Loan Processor XXXX XXXX placed in writing and verified for closing costs and loan amount of $ XXXX and Loan amount of {$95000.00} then refused to honor this and came back with {$1500.00} for a closing cost which is over double the amount sending these new closing costs as justification. Then XXXX XXXX Loan Processing Team Lead used the posture and positioning of her title as a bully pulpit to force a close with the new closing cost price in attempts to white wash and explain away what Mr. Cooper 's Loan Processor XXXX XXXX placed in writing for closing costs and loan amount. 

In addition, my loan information was exposed to another Mr. Cooper customer named XXXX XXXX in a email concerning loan information by Mr. Cooper Loan Processor XXXX XXXX. 

The entire struggle and discrepancy is just about Mr. Cooper to keep Mr. Cooper 's Word. 


Enclosed is the loan information from Mr. Cooper Website also placed in writing by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization ccounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_DISCOVER Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX Account Name__JPMCB____ Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT_____XXXX Account XXXX Account Name XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several car dealerships and financial institutions pulled my credit without my authorization. My credit has a freeze on it as I was a victim of the South Carolina credit identity theft. There are numerous financial institutions that repeatedly pulled my credit without authorization from me. I wish to have these inquires removed.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

REFERENCE : CFPB # XXXX I initiated this dispute on XX/XX/XXXX regarding the continuous delays in updating my credit file based on information sent from the consumer and the company. Equifax responded to the referenced CFPB complaint accordingly on XX/XX/XXXX : COMPANY 'S INTERIM RESPONSE *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history/contact regarding the item ( s ) listed in the complaint but no recent dispute history/contact was identified. *Equifax will mail the results of the reinvestigation within 30 days. 

THIS INFORMATION IS INCORRECT. Equifax has executed up to 3 disputes/reinvestigations regarding XXXX XXXX XXXX ( Account # : XXXX # XXXX ) in the last 30 days and they STILL HAVE NOT CORRECTED THIS INFORMATION. To report that there are no recent dispute history is a flat out falsehood and is bordering on fraudulent business practices to report otherwise. I confirmed today that the reinvestigation 'is still open ' according to latest rep that I 've spoken to this month. 

CFPB needs to take more steps to confirm what I already know and have reported versus simply logging their response. Require that they send a copy of my most recent credit file which will indicate that they have still not updated this account. The issue is the lack of timeliness yet you feel that 60 days for resolution is acceptable. The law indicates that CRA 's have no more than 15 days to resolve a dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. I INITIATED THIS REQUEST FOR A CRA UPDATE ON XX/XX/XXXX.
Product: Credit card or prepaid card

The problem started because of a missed payment in XX/XX/2023. The nightmare stared 3 days after missing the payment. The bank started calling me 15 times a day every day for a few weeks. I was so stressed I decided to file a complaint with the XXXX XXXX XXXX. I tried negotiating with Synchrony Bank regarding my PayPal account. I asked for late and interest fees ( which I incurred through no fault of my own ) to be waived. I also asked Synchrony Bank to close my account once the account is paid in full. To date, theres been no resolution. Im asking for your help in resolving this matter. 

I want the late and interest fees waived so I can start making payments again and when the account is paid in full I want the account closed. I dont ever want to deal with this bank ever again. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I purchased {$320.00} USD of merchandise at XXXX XXXX XXXX XXXX XXXX in XXXX. My Chase credit card was swiped several times because the internet was not connecting. We didnt realize it but, both the swipe at XXXX, as well as the swipe at XXXX went through XXXX XXXX ( The vendors card reader ). I only signed ONCE for the XXXX swipe. 

When I first saw the charge in XXXX I called Chase. The customer service person told me that it was obviously a double charge and it would be removed from my bill. It was for about a month and then it reappeared. 

Both the manager XXXX XXXX and owner XXXX XXXX have contacted Chase in my behalf. On XX/XX/XXXX, XXXX and I conference called Chase. Customer service would not let us speak to anyone handling this dispute. The owner, XXXX, wrote to Chase ( XXXX ) saying I do not owe them money. I also included a copy of his letter in my correspondence ( XXXX XXXX ). I have written Chase ( XX/XX/XXXX, XXXX and XXXX ) and included email and XXXX correspondence from the vendor. I have called Chase countless times with frustrating results. 

I recently found out that the vendor was paid twice and returned one payment to XXXX  XXXX. This is now a matter between Chase and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru XXXX XXXX   issued cards stating that they were lowering Credit Limit to {$7200.00} from 10,000 Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru Equifax Credit Information Service I call Equifax & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease.  Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!
Product: Mortgage

I own my house, but the mortgage is in my deceased step-father 's name. I have always paid it, but LoanCare, claims I missed payments ( I have proof I did not ) and they now refuse to accept my payments. I had a lawyer contact them, but they did not respond. I am afraid my house will go into foreclousure and they refuse to talk to me or give any information. I am elderly and I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than 5 years, I have made 100 's of request for a copy of the permissible permission to have accessed my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX XXXX. Experian forwards request to XXXX and replies back before 60 days that XXXX states they are reporting properly. And I have yet to receive the permissile permission used to access my credit report in XX/XX/2017.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX