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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like this account deleted from my file ASAP : XXXX XXXX
Product: Checking or savings account

Citibank has refused to send me the complete refund for closed account. They used my Federal pay to pay for XXXX fraud. I have requested my money back too many times. Early on I requested my pay, and they refused to send that. Citibank has even taken out fees for fraudulent checks that I did not write. I submitted a dispute, they didn't investigate and denied. I have done a second dispute as of XXXX XX/XX/2022 requested all of my money back now. My pay is still tied up in this scam and Citibank has no right to take my VA pay for this mess. 

Customers pay from the XXXX Treasury is protected from this and the bank knows this. They have already violated the Electronic Transfer Funds Act on numerous occasions. This bank should not have used my Federal pay to fund fraud. Soon this institution will be investigated for their own fraudulent practice. 

They keep pretending they dont recognize me as a customer. Ok Citibank, keep up your shenanigans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

On or about XX/XX/2019 I was contacted by Portfolio Recovery Services with regards to a collections account. After speaking with them for several minutes I agreed to pay off the settled upon amount of {$400.00} dollars or so. I agreed to make MONTHLY payments of {$65.00} f or six months. I was told there would be a bill mailed to me and I waited for that. 
Upon receiving the first statement I mailed a check for {$50.00} which was the incorrect amount. I do not know why this happened but I do take responsibility for that mistake. From there on I have continued to make payments in the amount of {$65.00} each month. The phone calls began immediately after the first payment was submitted and cashed and have not stopped even though I have requested that they terminate any contact with me. The calls are relentless, they come in on " ghost '' numbers, are continuous even on weekends and they have also contacted my place of employment. That is where I draw the line. My employer has nothing to do with my credit history and even after I made it very clear they were not to call my place of employment they still did. Their contention is that I agreed to make weekly payments and not monthly which is not what I agreed to. I asked them why I would agree to make payments every week instead of paying it off in one lump sum? It offers very little to no advantage to stretch payments out weekly. At that time I felt comfortable making monthly payments and so I continued to do so, on time, every month. 
I spoke to their representative again about 2 months ago and I thought we were again in agreement. Apparently they do not honor their commitments or have a comprehension issue. I asked them to stop calling me and to send me statements so I can finalize this debt. The calls continue and the statements if they arrive are erratic. 
I have one more payment to make which I am going to withhold because as they threatened in some of the phone calls they marked a late payment on my account even though that was not the case. I was specifically told in the beginning that even though they could not sue me due to the amount of time that had passed they could submit negative information to the credit bureaus, which they subsequently have done. 
There is no reason for this to have occured, because as you can see from the checks I have attached payments were made every month without fail. Yet the phone calls persist and the negative information is on my credit file which I am disputing. I am also going to be initiating legal action for harassment and seeking restitution with the help of my attorney.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Debt collection

Convergent Outsourcing is attempting to collect a XXXX, XXXX cellular phone bill when the delinquent amount is not owed. After speaking XXXX with Convergent representatives to demonstrate that incorrect or perhaps fraudulent charges have been assessed against the account holder, Convergent still makes attempts to collect this account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my report even though I sent a letter stating I was a victim of identity theft and would like them removed.
Product: Credit reporting or other personal consumer reports

I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.
Product: Checking or savings account

Well the scammers had put XXXX into Wells Fargo bank account and that money was from the PPP loan and after the fraud department did some investigation on my account they return the money but in order for me to close this account for good I had to find who to return the PPP loan money back too
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Product: Credit card

I do have to start by saying I thought I had already submitted this but it was not submitted due to internet issue at the time, we had extreme weather which caused internet issues. My complaint is against Synchrony Bank. My wife was laid off and we fell behind on our bills. She is currently back to work and we are catching up on the bills. We received a letter for your amazon account for a settlement of XXXX over 3 installments. I had JUST received a health insurance stipend at work and I wanted to take advantage of this ASAP. The DAY I received this letter for the settlement I called. The first rep refused to accept the settlement amount. He refused to accept a payment on the account. After waiting on hold for 30mins for a supervisor. I was advised there was nothing that rep could do and that I had to call Right back to speak with someone that could help me. This made no sense to me. I was just trying to make a payment. I then called back and spoke with XXXX XXXX in XXXX XXXX ID # XXXX who said he would only take the payment in full and basically there was no letter sent. His supervisor also refused to honor the letter. I advised them That I had enough to do a XXXX % settlement in full If they were willing to do that. They refused any wettlement on the account and would not accept any payment. At that point I advised them I would file this complaint they did not seem to care. 
The next day I called back and spoke with a XXXX XXXX I believe. I honestly do not remember his name. We advised me that since I did not set up the payment arrangement the day before the settlement went up to XXXX. The fact is that I did try to make a payment the day before with XXXX reps and they would not take my payment. Why would the bank issue a letter and say one thing and it mean is n't even true. I am willing to make this in three payments. But what I would l really like to do is settle this with a one time payment of XXXX % which was roughly {$660.00}. I have enough to make the XXXX % settlement in a one time payment. But my main concern is the false letter I received from synchrony bank. Why would they send it out if they wont even honor it?
Product: Debt collection

Comenity Bank is repeatedly calling me every day multiple times a day ( about 5-6 times if not more ). They are also contacting family members and none family members ( according to this last obnoxious person ). They are primarily dialing from a 614 area code as well as arestricted number. Today I never identified myself I merely asked if I was being recorded then the collector stated that she left a message for ME with Ms XXXX and I was supposed to call Comenity back? I am not related to any XXXX. This Call occured XX/XX/20 about XXXX XXXX.
Product: Checking or savings account

I was sent to XXXX  on XX/XX/XXXX. I was released on XX/XX/XXXX. While I was away, my personal and business accounts were used by someone without my authorization. I filed the fraud claim with Wells Fargo and sent all the information, including a certificate of discharge from the Georgia Department XXXX XXXX showing that I was XXXX   when these transactions were fraudulently done against my accounts. Wells Fargo chose to deny my claim based on some other information they would not release to me even thought they had proof of incarceration and that I was not able to make these transactions.
Product: Payday loan, title loan, or personal loan

The phone number for XXXX XXXX went dark after they deposited a check deducting {$1400.00} from my account. Chase said the check was fraudulent and closed my account while still accepting my funds to cover the insufficient funds. Chase said I can dispute everything after the check has cleared, but how can that be if it is fraudulent? I was told by XXXX I can open a new account but at the bank I was denied that chance due to a negative balance from all the fees Chase charged. They treated me like I was a criminal when I was the one who was hacked!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX,
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Product: Debt collection

XXXX XXXX XXXX, sued me out of state, and I had 2 judgments filed against me. I had to pay 4 times the amount for what I owed them. I did n't even know I was being sued by them until I was it with a judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account 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
Product: Credit reporting or other personal consumer reports

Equifax lied in their report and said they verified my XXXX XXXX account but XXXX XXXX sent me a letter saying they need until XXXX to validate
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting incorrect information to my credit report. I have reached out to have information corrected but they have failed to update my credit report. 
-Missing information Account status -Date last active is different and incorrect with XXXX  and XXXX. 
-Last reported have different dates -two year payment history is blank and incorrect.
Product: Credit card or prepaid card

I opened at XXXX credit card with Comenity Bank. I made a purchase in XX/XX/XXXX for {$490.00}. I did not get my statements or credit card and I called XXXX on XX/XX/XXXX. The business representative mentioned that a late fee of {$29.00} dlls was added to my balance due to I did not make the first payment on time which should have been on XX/XX/XXXX. He mentioned that as a one time courtesy they will waive the {$29.00} dlls. I said great, and I paid in full my balance of {$490.00}. After that date, I thought everything was resolved, however on XX/XX/XXXX I checked my XXXX XXXX score where I noticed that there was a balance of {$76.00} shown in my report under Comenity/XXXX credit card. I went back to my statements and I found one where the XXXX dlls was not waived and I did not have any credit. As a result, XXXX dlls become {$76.00}. I called them and after 1 hour in the phone, they told me that the waive was not done and another late fee of {$40.00} was added to the {$76.00}, but as a courtesy again they can waive and give a credit if i make the payment of {$76.00}. I made the payment and i will be looking for the next statements to make sure they really waive this time the late fee. Horrible experience.
Product: Debt collection

Hello, I am reporting ARS Account Resolution Services. I sent two letter asking for verification of debt and they will not send me the information I asked for. It is a repeated hetter stating : " As you are already aware, ARS represents XXXX who provide services in healthcare facilities throughout the country. In response to your request for verification of debt we have listed the amount below. ARS has verified this information with our client. ARS denies there are any inaccuracies in the account balance reported to the credit bureaus. '' I sent the verification letter XX/XX/21 and they sent a letter XX/XX/21 not giving enough time to properly verify this account nor sending me the contracts and documents of proof that I asked for twice. ARS continously fails in giving me documents pertaining to this account. I have called and apoke tonrude representatives who will not help in verifying this alledged account. Their practices are shady and unethical.
Product: Money transfer, virtual currency, or money service

Companies like Moneygram do this to people because nothing is ever done. I'm XXXX and i don't have money to just give to Moneygram who is basically stealing customer 's money and playing games. Their phone agents are Incompetent and can't comprehend simple XXXX nor do they try to assist anyone with anything. They bounce you from agent to agent yet not one will assist you or they tell you that you have to contact this department and that department. They don't respond to emails or to messages you send on their website. Therefore i'm filing this complaint against Moneygram will their fraudulent antics. Moneygram have proof that i sent them showing the money order was never cashed yet they're still refusing to send me my check for the {$300.00} claiming it need further research. I purchased a money order on XXXX for {$300.00} at CVS Pharmacy on XXXX XXXX XXXX XXXX in XXXX, MI XXXX. The Company that i made the money order out to never cashed it and finally gave it back to me in XX/XX/2022. I checked on the Moneygram website and it showed the money order was never cashed. Moneygram charged me {$45.00} for so called 3 Day Processing then they charged {$22.00} for Overnight Shipping. I received an email from Moneygram on XXXX claiming they need more information abd to send a copy of the money order and the receipt. I sent in what they requested not once but twice that day. I sent the proof by email and i posted it on their website. Since then i've not been able to check the status of my money order website and all i keep getting are 6 Blue spinning circles which i told Moneygram about yet it's a new week and Moneygram still won't fix their website. 

I included screenshots of their email, the money order i sent proof of, as well as their website and you can see that Moneygram is playing games with people. All of a sudden after i submitted proof now i haven't been to check the status. Moneygram charge all of their ridiculous fees then keep your money even when you provide proof that the money order was never cashed. I've made every attempt to get answers about my money yet Moneygram continues to play games.