23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I MADE AN AGREEMENT WITH A CREDIT COMPANY PAID AND CLOSED. AS THE AGREEMENT THE REP STATED THAT THIS ACCOUNT WILL BE LISTED AS PAID, CLOSED AND DELETED WITHIN 30 DAYS. ITS PASSSED THAT TIME, I REACHED THE CREDIT BUREAU TO ADDRESS THE PROBLEM. THEY STATED ALL THE COMPANY HAS TO DO IS WRITE A STATEMENT THAT THEY ARE WILLING TO REMOVE THIS ACCOUNT OR REMOVE IT THEMSELVES. I REACHED OUT TO THE COMPANY AND STATED WHAT WAS SAID, COMPANY REPLY OHHH IT TAKES 7 YEARS. I STATED NO IT DON'T AND NOT WHEN IT WAS AGREED IT WAS GOIN TO BE DELETED AFTER PAID. IM SORRY FOR THAT INFROMATION GIVING TO YOU, NO CAUSE THE CREDIT BUREAU STATED THATS ALL YOU NEED TO DO. I KEPT MY END AND Y'ALL DIDN'T KEEP YOURS
Product: Checking or savings account

This is in regards to claim # XXXX - {$91.00} and # XXXX - {$11.00}. I filed claims on these disputes and was wrongly denied. On the {$91.00}, I filed this dispute because the merchant did not allow me to replace the item or send a replacement when I contacted them within their policy window. Capital One claims they received information that supported the merchants claims but did not send me any evidence showing that the merchant offered me an exchange or return instructions. This is against federal policy.

Similarly, with the {$11.00}, Capital One claimed the merchant provided proof this was a valid transaction but did not provide me with the proof. I want proof that the merchant had my authorization to charge me for this subscription. Again, this is against federal policy.
Product: Debt collection

XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 


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 XXXX  days before the payment due date. 


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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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

I ordered an item from XXXX XXXX on XX/XX/2017 for {$290.00}. XXXX shipped the item via XXXX   using an unsecure method ( see attached ie no signature required ). The package was either delivered to the wrong house or stolen. Either way I did not receive the item. XXXX refuses to take responsibility and Paypal will not refund my money. 

The attached docs document my case. 

Thank you.
Product: Debt collection

THIS COMPANY IS TRYING TO COLLECT MONEY FROM ME ON A FRAUD ACCOUNT THAT IS NOT MINE THAT WAS OPEN UNDER FRAUD WITH MY INFORMATION.
Product: Credit card or prepaid card

I ordered a new XXXX credit card as mine did not work somebody received it in the mail was able to create a pin and activate the card and 5 days in a row each day they took out {$500.00} out of an ATM at Wells Fargo five different ATMs at five different Wells Fargo 's never called me never told me and then on XX/XX/XXXX I check my statement and all five transactions went through on that one day so I didn't even have time to find out this was going on they never called me to let me know or red flag it. Over XXXX was taken out I once tried to buy a concert ticket and they denied me {$300.00} to buy the concert ticket so I don't understand why it was not red flagged {$2500.00} cash advances I've had this credit cards since XXXX I only use it for automatic payments I never use it as a hard copy All these transactions were hard copy payments If you look back at my history I don't use the card just for automatic bill paying then I make my payment. This should have been red flagged as the history of me using the card is inaccurate of what happened.
Product: Credit reporting or other personal consumer reports

I have informed all three credit bureaus of my correct personal information name date of birth address and phone number and they have yet to correct this information on all of my accounts I would like for all three credit reporting agencies to remove all incorrect addresses off of my credit report and list my current correct address which is XXXX XXXX XXXX XXXX XXXX Florida XXXX that is my only address and has been my only address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I demand that these account be permanently deleted from my credit file
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. I am expecting you to update and correct the status of my account : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). specifically, cash app bill to take XXXX and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with erroe resolution requirements under the electronic fund transfer act, ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Called TransUnion to ask them to remove the hard inquiries off my credit report on XX/XX/2024 because I don't know the company that they did the hard inquiries for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly a collection to XXXX  ; XXXX and Transunion for an account with a balance of {$560.00} on the XXXX partial account number XXXXXXXXXXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.
Product: Mortgage

To Whom It May Concern I recently purchased my first home utilizing the services of XXXX XXXX in XXXX, PA. At the time of closing XXXX XXXX informed me that my mortgage would most likely be sold being that it is an FHA mortgage and that it would either go to XXXX XXXX or Chase. I was crossing my fingers chase would get my mortgage as I already had a credit card account with them. Well a few weeks later my " wish '' was granted and chase was my new mortgage holder. I then noticed one day my mortgage was listed on my online portal so I did not have to do any data entry or payment entering everything was rather seamless. Well here we are not even 4 months after buying this house and I get a notice that " XXXX XXXX a XXXX XXXX '' is my new payor. I have had trouble since the start, their system hasnt updated and I cant create a log in, it takes 20+ minutes to get someone on the phone there. I called Chase and asked them to reconsider transferring my mortgage but that fell on deaf ears. I am writing this government agency as you were designed to help me the consumer in situation with dealing with financial institutions, so help!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX AM A VICTIM OF IDENTITY THEFT. 
THE INQUIRES ON MY CREDIT REPORT WHICH IS UNAUTHORIZED. I WOULD LIKE FOR THE INQUIRES TO BE REMOVED ALONG WITH UNAUTHORIZED INQUIRIES. I ALSO WAS AFFECTED BY XXXX XXXX BREACH. MY PERSONAL INFORMATION WAS LINK AND FOUND ON DARK WEB. I HAVE ATTACH MY POLICE REPORT ALONG WITH FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED A XXXX XXXX AND FINANCED IT THROUH XXXX IN EARLY XXXX. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. XXXX SUBSEQUENTLY NOTIFIED EXPERIAN THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. IF PAYMENTS WERE MISSED OR WERE LATE XXXX IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. EXPERIAN HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. XXXX TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY. 

AUTPAY WAS SET UP AND I EXPECTED ALL PAYMENTS TO BE PROCESSED THIS WAY. THE COMPANY RESPONDED TO ME THAT THE INITIAL PAYMENT WAS NEVER INTENDED TO BE PAID BY AUTOPAY. AS FAR AS THE DELINQUENT NOTICES I ASSUMED THEY WERE BOOKKEEPING GLICHES SINCE XXXX HAD MY DEBIT INFORMATION FROM MY ACCOUNT.
Product: Debt collection

I 've received numerous calls from United Recovery systems, XXXX about a debt that I am aware of. I 've expressly asked them to not phone my work telephone number, as my work does not allow these types of calls due to the business we conduct, and to contact me on my personal phone numbers. 

They call twice a day, if not more even after I 've requested they remove my work telephone from the system.
Product: Debt collection

at the time the account was opened my son was injured XXXX. The debt went to court at the time the circuit court judge threw out the judgement but the company has yet to remove this medical debt off my credit furthermore they are in violation of the HIPPA privacy act by placing medical collections on my report of the public too see which is in violation of my rights the company needs to remove off my credit report and also remove the negative markings the debt or judgement has been finalized.
Product: Debt collection

They are contacting me in regards to debt that is beyond 7-10 years.this debt has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX Bank # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

A XXXX XXXX XXXX, VIN # XXXX, was repossessed on XX/XX/XXXX. Sensible Auto LLC claims to have sent A Notice of Repossession and Right to Redeem or Reinstate to myself in the timely manner the state requires. Sensible auto claimed to have sent the document on XX/XX/XXXX, in the state of Connecticut the lending company must send the letter out to the borrower within 3 days. If this is not done within the said timeframe the lien holder forfeits the right to any repossession & storage fees. They also have to make the borrower whole if the error caused any damages. Not only did Sensible Auto LLC attempt to obtain fees that they were not entitled to, they refused my pleading to pay the actual past due balance and held my vehicle ransom because I refused to give them money that I did not owe. Sensible Auto also denied me the opportunity given to bid on my vehicle because they did not notify me of the sale until after the property had been sold. I would like to believe that the error was not intentional, unfortunately after further investigation of the evidence, Sensible Auto LLC is willing to do things to prey on the weak and struggling. I have made a complaint to my state Attorney General and with my states Department of Banking. I felt lost confused and helpless during the process and in the end felt that the injustice was filed away, referral numbers where given but nothing had actually been done. Im hoping that this will be last and final attempt in my pursuit for justice. 
Past due amount {$510.00} Fees : {$230.00} ( Plus Additional Fees to pay to the company that repossessed the vehicle along with there storage fees wich are TBD ) I believe this is a tactic used that violates the consumers rights to prevent the borrower from redeeming the vehicle as the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of account with we financial, I was victim of identity theft and informed Experian of this. I received letter from company that account would be deleted. Ive attached that letter. However, Experian still reporting
Product: Credit reporting or other personal consumer reports

Bankruptcy was discharged on XX/XX/2014 however the credit reporting agencies failed to remove information due to the statute of limitations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX the credit reporting agency is reporting fraudulent information to my credit file and i am requesting that your company removes these accounts. To this complaint will be a copy of the FTC report with those fraudulent accounts.
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 items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed that there were XXXX worth of {$5.00} charges on my XXXX XXXX  account from CashApp. I emailed cashapp immediately since there are no numbers to contact cash and made them aware of these fraudulent charges taken from my bank account thru cashapp. I also reached out to my Bank to cancel all cards and report the fraud. Cash app responded on XX/XX/2020 at XXXX thru email requesting screenshots of the unauthorized charges on my account as they could not see the charges in my cashapp. I responded immediately at XXXX sending them 19 screenshots of the unauthorized charges. I recieved a responds from cashapp on XX/XX/2020 at XXXX confirming that the unauthorized charges we not made from my account and I need to reach out to my bank. I called XXXX immediately and they reached out to there fraud department. They stated there's nothing they can do after talking with XXXX I email cashapp immediately to ask if my money will be refunded and they keep directing me to my bank.
Product: Bank account or service

Im so tired of How the bank rearranges my debits and constantly charges over draft fees I spend most of my money back to the bank in hundreds Im on a fixed income and I know if I use my card and money not there I get a {$35.00} fee..However I also go to atm pull mini statements and call almost daily to keep track of my acct ONLY to notice that they rearrange items and Hit me with {$70.00} fees at a shot several times I cant afford this and after yrs of watching this happen I came here to find help. Example My automatic ins pmt came out, it left me minus over {$200.00} they pd it and charged the fee {$35.00} Ok ( it wasnt suppose to be on auto pmt ) so got it Now that was pd on XX/XX/XXXX it was on my auto call when checked acct ..My Deposit came in of {$310.00} and {$22.00} so it covered that pmt and fee but left me still overdrawn over {$200.00} and both were done around same time due to early deposits for holiday Yet although dep was in I was charged {$70.00} My XXXX deposit of {$430.00} came in and Now they changed the dates of actions ( to XX/XX/XXXX ) and I had {$160.00} to the good then bank charged me again {$70.00} and left me minus $ XXXX..This has been happening like forever I need help ... ... also I have been minus at times but went right away to put the money in on the same day but still charged {$35.00} fee It use to be if a dep was made prior to XXXX that same evening, no fees were charged Well not anymore I went to bank to question it.. Thanks XXXX XXXX
Product: Debt collection

I found a Collection company called XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit report stating that I owed a bill from a XXXX from 7 years prior. I have never been contacted by the XXXX about a bill being owed previous to XX/XX/XXXX.of any kind, so the next day when I got to work, I called the collection company, Choice Recovery and asked them about  the bill. They had a wrong address, wrong phone number, personal and work and had duplicated the bill twice on their records, which she said she removed one of the bills ... both were for the same date and amount. I begged her to take this off of my credit report since I had been working for a year to build my report up, but she said there was nothing she could do and I needed to just pay the bill. I paid the bill immediately just to get rid of it, hoping that my credit report could recover. That was on XX/XX/XXXX, and the bill is still on my credit report, which I have called them back and called XXXX and XXXX XXXX, but to no avail. HELP!! XXXX said they had asked for verification from the collection company but had gotten no response as of XX/XX/XXXX.
Product: Credit card or prepaid card

I have funds debited from my paycheck to fund a Flexible Spending Account ( FSA ) account with ADP Total Source. They outsource the FSA administration to XXXX XXXX  a third party vendor. During the XXXX -XXXX year ending XX/XX/XXXX I spent {$2700.00} in covered expenses that I submitted to XXXX XXXX on XX/XX/XXXX for payment. They confirmed receipt but then stated they needed a claim form with the documentation by XX/XX/XXXX the last day to file claims for the prior year. I filed the claim form as requested on XXXX. I have all these facts documented. 

I called multiple times and was told it was being processed yet I never received the funds or a call back from XXXX XXXX. They had system problems the prior year so i was patient until XXXX when I put forward a written demand for payment to both ADP and XXXX XXXX  with all the associated documentation. ADP called back and said they would investigate and respond but they never did. No response was ever received from XXXX. I attempted to contact a specialist in XXXX but there were no points of contact listed and staff there never returned the messages from the call center. So I began investigating and found that XXXX has a documented pattern of complaints like mine. I believe that they may be intentionally holding my money and engaged in improper behavior while purposely holding funds that are not legally theirs to hold. 

Since they refused to respond to repeated requests including a demand letter and still hold my money with no written explanation i believe that both ADP and XXXX XXXX  must be held liable for their inappropriate actions and failure to respond. I have so much documentation that I will choose the most pertinent ones to substantiate this complaint. 

I request that you please hold them accountable for returning my money ( {$2700.00} ) and also investigate them further for a pattern of ongoing behavior that is not acceptable. 
I am glad CFPB is dedicated to consumer issues such as this. Thank you. 

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

Certified mail was sent to XXXX, And EXPERIAN last year on XX/XX/2021, and also multiple times throughout the year of 2021. I obtained my credit report from XXXX, and Experian and there were U.S. Bankrupcty Court listed. For the FCRA 623 ( a ) ( 5 ) : If XXXX, or Experian can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said Information from consumer credit file. 
Ive requested the companies XXXX, And Experian to validate the public Bankruptcy reporting on my credit reports. In response to my letter the companies mentioned to have verified the bankruptcy through the United States Bankruptcy Court. In which I decided to contact the United States Bankruptcy court, in writing asking them to verify that, theyre the ones sharing the public information with credit BUREAUs XXXX and Experian. In response to my letter, The county Recorder of Deeds and Bankrupcty Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, and/or other third parties providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. 
XXXX XXXX XXXX ( XXXX XXXX ) Experian Worker are refusing to investigate this issue. Delete the public record, and update credit report.