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

I'm having difficulty when I contact the XXXX XXXX  at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. 
I also had contact the Experian credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to recover solutions agency as Experian demands it in order to resolve the issue on my credit report The Experian will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from Experian after uploading the court report paper. 
I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in Experian or the collection agency after sending all the information requested, via mail or phone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer services and unfair practices, which violates 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 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 appropiate redress for these violations.
Product: Debt collection

I personally have never lived at address XXXX XXXX XXXX XXXX XXXX XXXX and somehow it is being reported that I did. I would like this address and all debts pertaining to this address removed from my report as they are fraudulent.
Product: Credit card or prepaid card

I made an online purchase of {$1600.00} on XXXX XXXX website for a XXXXXXXX XXXX on XX/XX/2021. The package was delivered by XXXX on XX/XX/2021. Upon opening the packaging, I realized the item I purchased was not inside. There was only an empty box. I immediately contacted the merchant and they started a claim with XXXX. XXXX picked up the packaging the following day, XX/XX/2021, and provided me with a receipt. I disputed the charge with Navy Federal. Navy Federal later rejects my claim saying the merchant advised I received the product but the supporting documentation that was provided showed the package was delivered to my house but also picked up and returned to sender. Navy Federal would not allow me to provide further documentation to support my claim. The merchant refuses to refund me because they stated I received a chargeback from my card which I did not. They will not reopen the claim with XXXX. I have provided sufficient documentation to the merchant that Navy Federal rejected my claim and I have tried to provide documentation to Navy federal to show that I have complied with XXXX investigation. At this point, I am thoroughly disappointed in Navy Federals one sided investigation. There loyalty should have been to me the member and they should have thoroughly assessed the documents they received from the merchant which shows that the packaging had been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : Experian : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

my name is XXXX. I have a checking account and credit card at Wells Fargo bank. It was the end of the month, and I was about to make a payment to pay off my Wells Fargo credit card. When I signed in, I saw that my checking account was extremely low, and i was not sure why. I checked to see why. I saw that there was a transaction that was NOT authorized by me. the transaction amount was XXXX dollars. it was a bill pay for a XXXX account. the transaction is described as " Bill Pay XXXX XXXX   Services on-Line XXXX on XXXX '' .I do NOT have a XXXX  account. I freaked out, because I never made that transaction, so I made a call immediately to the fraud department. They said that they will do an investigation. Wells Fargo sent a message in the mail saying that your claim has been denied, because they were unable to reach me. I went to the local Wells Fargo, and I found out that the phone numbers that were on file were not mine. they re-opened the investigation, and they said " our research of the transaction shows that it was requested through a secure online banking session using your username and password ". The employee that works in the fraud department told us to try and contact XXXX  to see if they can help you identify the person. We contacted them, and they refused to give us any information, because we do not have an account with them. we went back to the Wells Fargo bank to try and get the phone numbers that was on my account that wasn't mine. They also refused to give us the numbers. Every time we tried to solve the issue, they refused to help us, so they closed the case, and they did not want to re-open the claim. I really need this money. I worked extremely hard for it, and I got nothing out of it. I have a son that needs to go to college, and he needs some of the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays, I did not request a dispute with you through XXXX. XXXX fraudulently requested on my behalf without my permission and I am planning to pursue legal action. Please provide in writing who requested this dispute. My statement balance is {$0.00}. Why are you randomly updating my consumer report? You have no permissible purpose to report or share in the first place. Consumer reporting is voluntary and you do not have my permission pursuant to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car that was allegedly leased was repossessed with the original creditor and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The original creditor decided to keep the car as compensation and therefore I no longer owe the original creditor for the lease of this vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement between the original creditor and XXXX XXXX XXXX. With the original creditor giving all rights to this debt including the right to receive payment and charge interest to XXXX XXXX XXXX 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the leased vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a certified letter, return receipt ( see attached ) was sent to XXXX concerning them reporting inaccurately information with XXXX XXXX # XXXX. The information was inaccurate due to the fact that Equifax was reporting complete different information. This was address more than once, also on XX/XX/year> letters were sent to both XXXX and Equifax for reporting inaccurate information and there refusal to do a proper investigation, and also send a copy of the 1099C since the company charged-off the above account. Neither Bureau XXXX XXXX XXXX Equifax ) did not address within a timely manner. ( see attached ).
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Product: Vehicle loan or lease

I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence. 

Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL. 

The person below is who responded to my first complaint and is responsible for setting this new process in motion. 

XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX XXXX XXXX
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 Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number:XXXX has violated my rights . Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute and the disputes were completed the next day ( less than XXXX hours ) no way this information was properly verified in this time frame. 

XXXX. XXXX XXXX  XXXX acct # XXXX - listed as charge off, account was included in bankruptcy before charge off, dates are incorrect. 

XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX - high limit and credit balance is incorrect XXXX. XXXX acct # XXXX - credit limit and high balance is incorrect XXXX - acct XXXX XXXX I have no knowledge of this account, request signature of agreement XXXX acct # XXXX - high balance incorrect XXXX XXXX XXXX  XXXX -paid and closed before charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX - original balance incorrect XXXXXXXX XXXX UNION acct XXXX - XXXX history, charged off status incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of accounts that show incorrect information on my credit report. I've gone back and forth with the creditor and the bureaus for a while and the problem is still not fixed. I've attached the accounts below. They need to be removed from my account. I listed the reason 's why as well.This has brought much grief and heartache to me and my family, I hope this is we can get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXX B XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX B XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2019 XXXX from JP Morgan XX/XX/XXXX, XX/XX/XXXX deposits Chase Acct last four XXXX Transferred to Claims Dept XXXX XXXX on hold XXXX XXXX XXXX   Filled out a Claim for the 2 deposits {$6000.00} Fed, {$13000.00} From California Total {$19000.00} Somehow sent to : JP Morgan/Chase Routing Number XXXX Account Number XXXX XXXX XXXX XXXX ( Not a correct account number per XXXX ) XXXX XXXX Claim number XXXX Claims # XXXX XXXX XXXX Per answer from XXXX - I will get a call tomorrow from the person who is working on the claim. 

Called to find out that XXXX misrepresented what the procedure is and was given the claim number at XXXX XXXX PST XXXX this does not jibe with previous information. 
XXXX California Franchise Tax Board XXXX ( XXXX ) XXXX XX/XX/2019 Spoke to XXXX ( XXXX XXXX XXXX XXXX ) and according to them ( FTB ) they have not received the {$13000.00} that JP Morgan/Chase bank intimated had been returned as a matter of procedure within 2 or 3 business days. 
Per XXXX there were no records of the return of the refund. 

I was told to provide the following information : Fax ( XXXX ) XXXX Name & telephone number of bank representative two months of bank Chase XXXX XXXX XX/XX/2019 XXXX station XXXX Supervisor XXXX fax # XXXX I was told by XXXX that it would likely take 120 days to get an answer and a paper check mailed to me. 

Chase Phone Number XXXX _______________________________________________ Called Back Claims Department at JP Morgan/Chase after receiving ambiguous letter Spoke to Lei Supervisor of the claims department XX/XX/2019 XXXX XXXX XXXX   PST There is no record of the funds being in the account and no transaction information is available. 
XXXX Supervisor of the claims department said. This leaves me in a catch 22 situation as all parties ( FTB, Chase ) claim it's the others responsibility to determine where the funds have gone. 

XXXX Called FTB waiting on a call back XXXX XXXX ( approx ) XX/XX/2019 ( Friday ) XXXX Spoke to XXXX who called back and said that they have not received the fax that was sent on Tuesday XX/XX/XXXX. 

I asked that they call with a normal phone number and she did that on XXXX XXXX XXXX but have not heard anything back from them since. 
XXXX XX/XX/2019 Spoke to a woman at CFTB who said essentially, we don't care about your refund and I almost heard " " ( Sorry about that XXXX in XXXX )! 
XXXX XXXX XXXX XXXX XX/XX/2019 CFPB XXXX can only speak with XXXX XXXX for some unknown reason ). I have to wait for her to get back before moving this along. 
XXXX XXXX XXXX XXXX XX/XX/2019 CFPB Note says - Need to call heckstarl? Already taken care of through XXXX XXXX XXXX # XXXX IRS XX/XX/2019. 
According to XXXX I entered the filing incorrectly leading them to approach JP Morgan/Chase with XXXX 's SSN which is totally incorrect. I was told to resubmit the paperwork this time without XXXX 's information. 
I will keep screenshots as I fill it out as that is totally incorrect as I filled out the forms correctly. 
XXXX Attached three months of the ONLY Chase Account in my possession. No refunds
Product: Mortgage

Hello, Please note that i have consent from my XXXX  attorney to communicate with you or the mortgage company directly. 
Please also take a look at the other complaint dated XX/XX/year> in which i complained about Shellpoint Mortgage keeping erroneous mortgage records. They recified that problem but its sad to note that they once again have started maintaining erroneous records. They have also refused to work with me on a XXXX or a XXXX even though i notified them of my XXXX XXXX diagnosis which occurred XX/XX/year> which left me with complications which have kept me out of work until i am cleared by my primary care physician. 

Shellpoint mortgage has a legal fee on my mortgage statement for {$3100.00}. A representative at the mortgage company told me that this amount was put on my statement on XX/XX/year>. I paid XXXX funding an amount of {$12000.00} on XX/XX/year> before the mortgage was transfered to Shellpoint mortgage on XX/XX/year>. 

Shellpoint mortgage need to stop making errors on my mortgage statement once and for all as it is not only very time consuming to keep up with checking for errors but it is also very risky for me and can be very detrimental to me. 

The loss mitigation department also needs to work with me and give me a modification or forbearance as i have already provided proof of my XXXX XXXX XXXX 

Finally, the staff at Shellpoint mortgage need to stop giving me a run around and stop stop telling me lies.
Product: Credit reporting or other personal consumer reports

I contacted the company about incorrect information on my credit report.
Product: Credit reporting

I spoke with XXXX at Equifax of the XXXX team ( supervisor ). 

Investigate was submitted on XXXX XXXX for XXXX XXXX XXXX. Equifax claims it was completed on XXXX XXXX, 2016 however when I checked online the investigation still states case is still under investigation online. This is past the 30 day mark and the Creditor should be remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would I was going over my credit report and I just now noticed that they are maliciously putting a previously a lot of inquiries on my credit file that I did not authorize and approve these are these type of things that I've been talking about after numerous times of reporting to you guys that they're doing XXXX and loan has over XXXX inquiries on my file that's right now that I can count right now on on one XXXX thing they have more than XXXX dates that they have hard inquiry on my credit file and I do not know I know some of these dates are on the same exact date so I did not request my credit card to be XXXX three times in one day pretty much a lot of the inquiries on my file like XXXX XXXX XXXX XXXX XXXX XXXX has more than XXXX inquiries on under hard increase under my credit file and I know I will not ask for them to do a XXXX inquiry on my file if I got denied XXXX or XXXX or XXXX times why would I keep asking them to run credit check that makes no sense I am providing documents showing that XXXX is abusing the the power by continuously putting XXXX increase on my file since they can not report any anything else accurately so they produce it to be going to my side because it takes longer and it's harder to get off of inquiry than anything else you have to actually submit each document for each XXXX of these credit increase so they like to stack them up I should not have to spend my time or my hard earn money to go under here and go each one by XXXX and try to dispute each XXXX of these when they know and they're internally putting these on our files 85 % of these increases on these trial have been for business-related inquiries in the first place so they should be placed on my business credit not my personal credit I am an XXXX XXXX XXXX is also another one they have more than XXXX XXXX XXXX more than XXXX inquiries under my inquiries that I apply for a hard credit check that I do not apply for it and why do we have to dispute this. I don't know my next step but this is discrimination cuz I don't know why they would sit there and pinpoint me out of everybody that goes through there and sit here it's been one thing after another with these guys they I call and tried to get the disputed they hang up in my face and send me to answering service the next time I call in so why are they allowed to do this please advise me to the next steps I need to take to get this resurrected or get this fixed so they don't happen again I have been denied a lot of credit or loans or stuff due to the fact that they are discriminating against me and all my skin XXXX or whatever it is I have also provided a documentation the experience is doing the exact same thing I'm sure XXXX is too Experian and provide outlet soft increase I know they don't affect your credit but if they don't take my credit I'm on them off of there if I did not approve them and I went in to provide documentation showing that they follow the law when they put them on there