23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In the past few months I had a roofer doing a roof replacement on our home in phases. I did not want the roofer to have holds on checks I wrote him so I paid him in cash. I withdrew {$10000.00} at a time to make the payments to the roofer. All funds were withdrawn from the Wells Fargo branch at the corner of XXXX and XXXX in XXXX AZ. Each withdrawal was put in an envelope which I took home and put in my desk drawer. All the funds paid to the roofer came out of the envelopes from Wells Fargo from that drawer. When the roofer took the cash I gave him for one of the payments to his bank to deposit the funds the bank discovered two counterfeit {$100.00} dollar bills and seized them. When I became aware of the issue I paid the roofer the {$200.00} and filed complaint number XXXX with Wells Fargo. In their letter dated XX/XX/2022 Wells Fargo stated that the investigation was closed and the transaction was properly posted which has nothuing to do with what was complained of. 

I talked to the secret service office in XXXX and they indicated it is not unheard of for a bank to fail to detect a counterfeit bill being detected when they receive it and thus the bank end up putting it back in circulation. It appears more likely than not that that is what happened here.
Product: Debt collection

We never received any written notifications, phone calls, or messages from a company named Perfection Collections before they showed up on our credit report on Friday, XX/XX/XXXX as an outstanding debt. After some research, we found out that they are a debt collector for XXXX, a security service we used back in XX/XX/XXXX-XX/XX/XXXX, for a house we owned in XXXX XXXX, NV. We discontinued service by not signing an extended service agreement after our two-year service agreement ended and because they never responded to an intruder in the house and hired a new security company to provide services to the home. We between the years XX/XX/XXXX and XX/XX/XXXX, we have written several letters and e-mails to XXXX inquiring as to when they will clear out our account of the XXXX dollar ( {$55.00} ) security fee they charged us for what they state was something that was due to us causing the alarm to sound. However, they are responsible for providing security services and did not do that in a timely manner thus leading to another security company responding and our neighbors responding to the intruder along with the local XXXX XXXX Metro Police Department.
Product: Money transfer, virtual currency, or money service

My funds from a past grant were sent to my cash app account. Cash app stopped working and my funds never showed up. Also I have had money taken from my account unauthorized..
Product: Student loan

In XXXX, I submitted a REPAYE plan application. On XX/XX/XXXX, I was issued an administrative forbearance, so I would not be billed before my new plan took effect. The forbearance ceased on XX/XX/XXXX, I was billed a full payment of {$820.00} on XX/XX/XXXX, and my plan went into effect on XX/XX/XXXX. Two weeks later, I received a past due notice. I contacted FedLoan Servicing, the representative acknowledged their administrative mistake, and moved the payment to the back of my loan. Recently, after responding to an alert from a credit monitoring bureau, I discovered that the payment that was supposed to have been moved to the back of my loan has been marked delinquent for the last six months. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

This is my fifth and final attempt to fix this issues I wasn't going to submit another complaint because my attorney is handling my case now. But I had to to show other individuals that's going though the same issue that there is hope. I am a veteran and only was seek correction to my credit report now I'm seeking justice. I've contacted my local court house seeking justice for disable veterans and came across individual that can help. I have a XXXX  on my report and I was only asking for correction to the XXXX and XXXX  status XXXX  XXXX and that status is what is hurting me now because I can't buy a home with it I sent in numerous documents showing the correct information but on was told lies even went to the court house to ask why have they inserted that information and was told they didn't insert anything so now I'm left to sue both of these two companies for justice for ALL veterans like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 an account without my written instructions.
Product: Checking or savings account

I was mailed a check to an old address from the Tennessee Department of human services child support division on XX/XX/XXXX. The check was a check from the Tennessee Treasury department for federal tax intercept from non custodial parents arrears in the amount of {$4800.00}, for past due child support arrears. 

The address that the check was sent to was XXXX XXXX XXXX, XXXXXXXX XXXX., i moved from that address in XXXX, and moved from XXXX XXXX XXXX of XXXX to XXXX . I have been living in XXXX from XXXX to the current, However someone at the previous address in XXXX cashed the check at Wells Fargo Bank. I found out thru the non custodial parent that her federal tax was intercepted and sent to the XXXX XXXX XXXX Address. 

So I contacted the Tennessee Department of Human Services Child support division, and I was told that there was a check sent out and that the check was deposited and cashed at Wells Fargo Bank. 

I filled a fraud claim with the Tennessee department of human services child support division and filled a sworn affidavit, with my signature and state of XXXX drivers license. 

I was then mail a copy of the sign check which was deposited into Wells Fargo Bank the wasn't even close to matching my signature because I have a very unique signature. 

It's been a little over year now, I have continually contacted the Tennessee department of child support thru phone they keep telling me that Wells Fargo is NOT responding to them, and I'm somewhat frustrated because I signed sworn affidavit stating that there was no way that I cashed the check, I do not bank with Wells Fargo and never have, the signature obviously doesn't match mind and so I really need you help. 

Thanks in advance.
Product: Credit reporting or other personal consumer reports

I have incorrect information on my report, and the representatives from each that I spoke with did not seem to have any interest in assisting me with removing the information. I have sent multiple dispute letters to try and to show them how severe this is to my report but still no help. So I have listed all of the inquires next to the specific bureau below in hope that filing this complaint : 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, credit repair services, or other personal consumer reports

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

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

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Acct # XXXX ] Thank you
Product: Consumer Loan

I received a preapproval from XXXX XXXX. The letter stated that due to my creditworthiness I could receive a personal loan at 5.99 %. With the letter I also received an " Invitation Code. '' So, naively I went on line because I was preapproved! Well, no one receives a 5.99 % rate or a rate close to that amount. I was offered a rate of 12.75 %! I have excellent credit so I was confused as I was preapproved. I called and spoke with XXXX VERY RUDE customer service employees and was told that they can change the rules at any time! So now my credit score will drop due to the inquiry and of course I am not interested in a loan at 12.75 %. This letter is extremely deceptive and is nothing but a scam.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Reinvestigation Regarding Payment Records I am writing to formally dispute the assertion that my payment was late, referencing the case XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and to invoke applicable sections of federal law related to consumer protection. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), I am exercising my rights as a consumer to dispute inaccurate information that may have been reported regarding my account. I request that you provide me with all GAAP-compliant financial statements and all other relevant internal records to substantiate your claim regarding the alleged lateness of my payment.

Additionally, under 15 U.S. Code 1666b, I seek verification regarding the timing and processing of my payment, ensuring compliance with established billing procedures. I also wish to emphasize that, as per 15 USC 6802 ( b ) ( c ), the handling of my personal information must be conducted with the utmost care to ensure accuracy and fairness in reporting. Lastly, under 15 USC 1681, Section 602, it is my right as a consumer to know the nature of any information that has been provided to consumer reporting agencies concerning my credit before being reported. 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. In which I received no written request to allow my nonpublic information to be reported by Toyota Motor Corp., XXXX, XXXX, or XXXX which is a violation of federal laws such as the privacy act of 1974. 
Also you stated in a response via cfpb complaint number XXXX that As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. I believe I have fulfilled my credit obligation to your company so to ensure the accurate books for both parties please send the documents I requested above to settle the matter as soon as possible. To be clear I am requesting all GAAP-compliant financial statements and all other relevant internal records in connection with I, XXXX XXXX account number XXXX and the contract XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested debt validation through the 3 major credit reporting bureaus as well as Belk/XXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. Belk only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have provided Experian with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following fraudulent account along with the three unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. Account : XXXX Bank XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

onXX/XX/XXXX I filed a dispute with Transunion. They have failed to reply.
Product: Debt collection

I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. 

On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. 

They do say, however, that I should trust them and that there is in fact a contract. 

They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. 

On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. 

I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. 

This is consuming my time trying to deal with this and causing me some distress. 

It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. 

In the mean time, they are negatively impacting my credit. 

I would appreciate your assistance in resolving this issue quickly.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, 30 days late payment on the dates XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

Discovered Navient has been raising my loan amount. My previous lender did not do so. Navient representative stated it was due to my interest rate. My interest rate is fixed and did not rise when with my previous lender.
Product: Vehicle loan or lease

XXXX XXXX opened an Auto Loan on XX/XX/XXXX with Regional Acceptance Corp for a XXXX XXXX XXXX XXXX ( Account Number XXXX ) and opened an insurance policy with XXXX with Gap Insurance. XXXX XXXX XXXX XXXX XXXX XXXX sent normal payment for XXXX to Regional Acceptance in the amount of {$590.00} ( Reference # XXXX ) XX/XX/XXXX ( Date of Total Loss ) - XXXX XXXX ( Myself ) was in an auto accident with the XXXX XXXX XXXX XXXX. 

XX/XX/XXXX - XXXX XXXX sent normal payment for XXXX to Regional Acceptance in the amount of {$590.00} ( Reference # XXXX ) XX/XX/XXXX - I received my claim information from XXXX XXXX from the XXXX XXXXXXXX XXXX XXXX Claim # XXXX ) XXXX XXXX stated my vehicle was declared a total loss and that a payment of {$21000.00} would be issued to help pay off the loan. He also stated that if needed I also had Gap Insurance with XXXX, but was not needed in this case. 

XX/XX/XXXX - Regional Acceptance sent a Letter of Guarantee to XXXX for Regional Acceptance Client : XXXX XXXX Regional Acceptance Loan Number : XXXX Payoff Amount : {$15000.00} Vehicle Description : XXXX XXXX XXXX XXXX XXXX : XXXX Regional Acceptance Corp gave XXXX this payoff amount. 
XXXX XXXX 's full payment for the total loss was {$21000.00} would have covered the whole payoff requested. 
Regional Acceptance Corp released the title to XXXX. 

XX/XX/XXXX- XXXX sent payoff amount {$15000.00} to Regional Acceptance Corp. The payoff was sent immediately. 

XX/XX/XXXX- XXXX XXXX noticed on her credit report stating she had a 30 day late payment reported for XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX thought must be a mistake and submitted documentation and dispute through XXXX. 
XXXX Dispute Date : XX/XX/XXXX Dispute # : XXXX Regional Acceptance Corp responded back saying not to remove them. 
XXXX XXXX then called Regional Acceptance Corporation to speak to them directly about the issue. They stated they marked those lates due to a {$59.00} Balance. 
XXXX XXXX never received any statement via email with balance that was owed. 
My communication preferences on my portal for Regional Acceptance for Statements is email to XXXX. 

The Letter of Guarantee date for payoff was XX/XX/XXXX which was the same day XXXX sent payment to Regional Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with Experian not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. Experian for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation
Product: Debt collection

CONVERGENT OUTSOURCING , INC . 
Settled with me on XX/XX/23 for {$300.00}. I asked for a letter of verification that said I paid, first I was told 48 hours then 72 hours. Then I checked my credit score and what wasnt paid said was still owed. I know they have a copy of the conversation and I do too. Now if this isnt investigated the right way I will contact a lawyer and the fact I have to go through this I want this off my credit immediately and Ill see what my lawyer says about the scam.
Product: Credit reporting or other personal consumer reports

XXXX did not investigate in a timely manner Not responded to my requests TransUnion did not investigate in a timely manner. 
Did not respond to my requests
Product: Credit reporting, credit repair services, or other personal consumer reports

A payment was misapplied and then corrected. Once corrected and applied as it was due, New Rez refused to correct the credit report to reflect the payment was not late. After several calls and letters to address this, they are still refusing to correct the issue. After one more final conversation with them today, I feel like this is a predatory practice and the CFPB should be made aware of their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I initiated a security freeze with Equifax as a result of their security breach. I never received the 10-digit PIN required to temporarily lift that freeze. The automated method to do that ( phone or website ) requires the PIN. The hours customer service is available ( M-F XXXX-XXXX CST ) are limited given these are normal working hours and I can not afford to wait on the phone for very long due to my job. 

This agency has violated my protection when I had no say in whether they obtained my financial information or not. Given the significant issues with how they handled this breach, I believe they should be forced to provide more consumer friendly availability to customer service to rectify issues related to their breach. 

I dont expect anything unfortunately given our current state of government under our so-called President, but would appreciate if something were done to hold Equifax accountable.
Product: Debt collection

This account was opened in XX/XX/XXXX not XX/XX/XXXX! They have false dates on my credit report which is effecting it negatively!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.