23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. JPMCB - AUTO FINANCE XXXX has been reporting late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB - AUTO FINANCE customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted Transunion so they could correct my balance on my XXXX XXXX CC for the Month of XX/XX/2018. I provided proof and they still have not corrected it.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/ I have reproted unauthorized charges with chime and on XX/XX/XXXX they denied my claim! And they wont issue me supporting document to the denial! When by law they have to and they even stated in the email that I could request for the supportive info for the denial!!! But they provided me with nothing and they cant deny my claim if they dont have supportive document or evidence I need my money now they telling me I might get provisional credit on XXXX XXXX XXXX  by not now? Why till then and I when I been already been waiting for 3 weeks now I need my money
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A significant amount of money suddenly disappeared. When I inquired, I was rebuffed with no direct contact with a person. A two year wait and fight ensued when Cash App ultimately repaid the funds ON THIS INCIDENT ONLY. Other infractions took place. No interest on the money that was repaid despite two years wait. 

Other infractions include other smaller amounts of disappearing money and transactions declination for inappropriate reasons or outright contrary to its own regulations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018- XX/XX/2018 someone hacked into my mobile banking app and made XXXX   transfers were made on my account totaling an amount of XXXX . I claim was filed on XX/XX/2018 with Bank of America but there was no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Product: Credit card or prepaid card

XX/XX/XXXX I had contacted Synchrony bank to advise them that my Paypal account was a fraudulent account. XX/XX/XXXX I had disputed the account, XX/XX/XXXX I sent in another dispute along to advised them I as incarcerated during the time of this account and transactions were being made. On XX/XX/XXXX they confirmed the account has been resolved in my favor. However, there were money being paid on this account every month for over 3 years. I have requested a payment refund request for at least over {$3000.00} I had sent them letters from the bank acknowledging that it was my account that the money from Paypal was being taken out of my bank account. I had sent them over 80 pages of bank statements showing that PayPal was taking money out of my account on a account that was fraudulently opened. On XX/XX/XXXX they stated give them 2 billing cycles. I called back on XX/XX/XXXX to check on the status if my refund they stated I need to resend bank statements. Did that on XX/XX/XXXX they confirmed they received it and to allow 30-45 days so I called on XX/XX/XXXX they stated they could not use the bank statements I sent in so on XX/XX/XXXX I called and they confirmed they received my documentation and allow 30-45 days. I've called every month and get transferred to several people I even spoke with the fraud department and they stated they were sending a email on XX/XX/XXXX to allow 3-5 days called back on XX/XX/XXXX they stated my account need closed from the fraud department and to call back in 3-5 days I called back on XXXX stated nothing has changed and to call back so on XX/XX/XXXX I called spoke to 2 different departments 1 lady stated she dont see no change and suggested i call recovery department spoke to that department the guy seen my 82 pages of bank statements and stated he's sending the information over to request a refund and to allow another 30-45 days to call back.Here we are today and still no payment refund. I've been dealing with this situation for 8 months for them to process my payment refund request. They have been giving me a run around, wasting my time and energy, This is very stressful considering they state that the payment refund department doesn't have a phone number to call they can only send emails. It didn't take them 8 months to take money from my account but its taking 8 months for them to return my money especially they have the bank statements to showing they were receiving payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject :

Dispute of Credit Report Under FCRA Section 1681o ( Civil Liability for Negligence ) Dear Experian, I am writing to formally dispute an error on my credit report as outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. I believe that the information in question was handled negligently and has caused harm to my creditworthiness. Details of the Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Provide relevant details about the account being disputed ] Nature of the Error : [ Explain the error or negligence, such as incorrect information, failure to update, or improper reporting ] Date the Error Occurred : [ Provide any dates relevant to the dispute ] I request that you conduct a thorough investigation into the validity of the reported information and correct or remove any inaccurate data. As per Section 1681o of the FCRA, I am entitled to seek civil liability for any negligence on your part, which has led to an inaccurate report being maintained or disseminated.

Please provide me with the results of your investigation and a copy of my updated credit report once this dispute has been resolved. If I do not receive a satisfactory response within the statutory period, I will consider pursuing legal remedies under the applicable provisions of the FCRA.

Thank you for your attention to this matter. I expect a resolution within the required timeframe.

Sincerely, [ XXXX XXXX ] XXXX LAST 4 OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES WERE NOT ME.
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally dispute the late payment entries on my XXXX account XXXX with account number XXXX. I am deeply concerned about the inaccurate and detrimental reporting of these late payments, which has negatively affected my credit history and financial standing. 

I believe that these late payments have been reported in violation of the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention the specific FCRA laws that pertain to this dispute : 1. FCRA 611 ( a ) ( 1 ) ( A ) - Reporting Accurate Information : This section mandates that consumer reporting agencies, including creditors like XXXX XXXX XXXX XXXX must provide accurate and complete information to credit reporting bureaus.

2. FCRA 611 ( a ) ( 1 ) ( B ) - Timely Reporting : According to this section, information furnished to consumer reporting agencies must be reported in a timely manner, ensuring that outdated or erroneous information is not included in credit reports.

3. FCRA 623 ( a ) ( 2 ) - Duty to Correct and Update Information : This section requires creditors to correct and update any information they have reported that is found to be inaccurate or incomplete.

4. FCRA 623 ( a ) ( 8 ) - Procedures for Disputing Information : The FCRA grants consumers the right to dispute any inaccurate or incomplete information on their credit reports, and creditors are obligated to investigate and rectify such disputes. 

I would like to emphasize that I have consistently made payments to XXXX XXXX XXXX on time, and any reported late payments are erroneous and misleading. These inaccuracies are damaging my creditworthiness and affecting my ability to secure loans, mortgages, and other financial opportunities. 

I hereby request that Equifax promptly conduct an investigation into the inaccurate late payment entries on my account, in accordance with FCRA 623 ( a ) ( 8 ). I expect a thorough and timely response to this dispute as mandated by law.

Failure to correct these inaccuracies within the required timeframe will leave me with no choice but to pursue legal action to protect my rights under the FCRA and seek damages for the harm caused to my creditworthiness and financial standing.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding " Zelle '' 's handling of disputes. Especially in light of recently cfob lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking them was unfeasible. The cfpb 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us everyday users vulnerable to scams. This lack of unaccountability is unacceptable and raises concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX a Guitar Center employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of Synchrony Banks/Guitar Centers mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get Synchrony Bank off of my credit report immediately so I can be reconsidered for the XXXX store Credit card.
Product: Credit reporting or other personal consumer reports

CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXX PLUS WARRANTY COMPANY TO CONTINUNE TO DEFRAUD US AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION MY WIFE CAN BARLY WALK IS SUPPOSED TO BE XXXX XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. 

- THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. 

XXXX XXXX has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by you.
Product: Credit card or prepaid card

On XX/XX/2020 I received a PIN number for a Credit Card from CitiBank that I did not apply for. I called the number ( XXXX ) on the letter and was jerked around for over an hour trying to get some one to help me. Finally after talking to a half dozen people, was told by a woman said she could find my name in their system but no other information and that i should call the Federal Trade Commission as this seems to be a common problem. I Tried but it was closed. Tried to use the FTC website and it sent me a link for this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Acima Credit is committing an intentional tort against me via fraud and deceit. Currently, I am a victim of fraud and identity theft due to the negligence of this creditor. On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX. Acima credit works closely with this company providing credit to consumers. I was offered credit with Acima at the time of purchase contingent upon receipt of the furniture. On XX/XX/XXXX XXXX XXXX  was contracted to deliver the furniture to my residence and did not follow through with the delivery. To no avail, I went back and forth with XXXX XXXX in an attempt to receive the merchandise I paid for. Following a brief period of irresolution, I filed a complaint with my credit union disputing the charge to my bank account. On XX/XX/XXXX, my credit union determined via an internal investigation that my dispute was valid. This was due to a lack of response and no provision of supporting evidence on XXXX XXXXXXXX XXXX  behalf. 

Since the aforementioned incident, Acima credit is intentionally reporting fraudulent information to XXXX, with an intent to harm, for a debt in the amount of {$1600.00}. This debt is invalid and should be discharged as a result of the non-receipt of the merchandise purchased. I contacted Acima credit directly via written letter on XX/XX/XXXX informing them of the discrepancy and the creditor is blatantly refusing to discharge the invalid debt from my credit report. Acima has taken it upon themselves to steal my personal information, which was originally provided to XXXX XXXX 's furniture at the time of purchase, and is intentionally supplying fraudulent information to XXXX with the direct intent to damage my credit. Included in the letter to Acima was exculpatory evidence of the original dispute documents filed to my credit union, and the credit union 's response validating my dispute following their investigation. Upon receipt of this evidence, which would be found admissible in a court of law, the creditor is still refusing to discharge the fraudulent information from my credit report. 

Please find attached with this complaint more exculpatory evidence aligning with the details of my complaint against Acima credit. In the email from Acima offering me credit on the date of purchase, please note that the document clearly states the burden of proof confirming the delivery and receipt of furniture is the responsibility of Acima. This creditor was negligent in their dealings with XXXXXXXX XXXX and did not do their due diligence. They are using my personal/sensitive information to commit a crime against me with no intent to provide resolution.
Product: Debt collection

A second part of my original complaint : Midland threatened to contact my employer/ Supervisor and manager. This company also failed to provide me with documentation to validate this alleged debt and I have not had a delinquent CC debt for 3-5 years so this may be an old debt that is passed the allotted time frame. Ive sent a second request to validate this alleged debt even though I didn't receive a response from them within the 30 days as required by law. 

Original Complaint # XXXX
Product: Mortgage

We have tried to communication with our investor on the XXXX lien. XXXX lien Collectors have refused to provide information.
Product: Credit reporting or other personal consumer reports

Credit Collection Services is reporting a debt on file that is not mine. I have talked to XXXX who does not have me in any collection status. I currently have an open policy with XXXX however, at some point they needed to close my old policy and open a new one due to an error they had. However, I never once went past due or have any collections with them. This is not mine and needs to be removed.
Product: Debt collection

In XX/XX/XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from XXXX XXXX XXXX for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XX/XX/XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XX/XX/XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " Transworld Systems Inc. '' I had never received notification from Transworld that they were collecting a debt. I called Transworld and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to Transworld that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to Transworld to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with XXXX ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe Transworld Systems is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
Product: Mortgage

WE fell behind on our mortage a few years ago. Step forward program helped us save our family home. SInce this program we have been faithfully paying our mortage. I also thought PNC would lower my current 8 plus interest rate. The problem is since this happen I have contacted PNC Bank to get them to remove my loan from the foreclosure level without any luck. I have spoke to managers on several occasions and they keep telling me the same excuse, they cant help me or another manager needs to fix this issue. Meanwhile my credit is still not bouncing back > What more Can I do to improve my credit rating so I can get a lower interest rate from someone else since PNC wont help?
Product: Money transfer, virtual currency, or money service

Hi. I work part time for an entertainment company in XXXX ( XXXX XXXX ) She has been in business for XXXX  years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX  for her. Last year she paid me through Cash App. I didnt transfer sooner to my bank account because I was going to use this money to help my mom with her XXXX XXXX XXXX. 
The XXXX was this month so I tried to withdrawals my funds {$3500.00} to my bank account. To find out the Cash App is withholding my money. I have called many times costumer service, they keep on telling me to wait for an email. I finally got the email and it has a lot about violations and doing things against policy. I have no idea what are they talking about. They asked XXXX if the wedding was in XXXX? No the weddings are in XXXX. My boss add messages to the payments like : XXXX wedding, XXXX  wedding, XXXX  wedding.. etc. So we know what wedding she is paying us. The weddings are in Florida mostly XXXX. 
Anyways I need the money. We had to postponed my moms XXXX to lack of funds. I do not know a lawyer. I am stressed and sad. I cant sleep. They dont care. They dont answer. I can send my W2 or copy of my passport whatever is needed. This is all my hard work and cash app is stealing my money. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

i called and was told thaty it was not able to take it off my consumer report when i nerver gavwe know XXXX permission to use my info
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX