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

My order # XXXX was allegedly delivered via XXXX tracking # XXXX on Monday, XX/XX/2023 at XXXX XXXX. I immediately called XXXX XXXX XXXX to let them know that the package was never delivered. They said they would issue a refund, which I never received so I disputed it with my bank. My bank ( Chase ) issued a temporary reversal of the charge in the amount of {$87.00} until the investigation was completed. XXXX XXXX XXXX provided a proof of delivery photo from XXXX which it clearly shows that the package was actually delivered to someone else 's house instead of mine. I called XXXX XXXX XXXX back on XX/XX/2023 because the bank charged my account for the amount, due to a proof of delivery photo that was provided by XXXX XXXX XXXX. The photo that was provided by XXXX XXXX XXXX XXXX, shows the package on a mat in front of someone else 's house NOT MINE. The photo also shows that the garage is to the right of their porch and the number on the house is not showing in the photo. My garage at my home XXXX is to the left of my porch. You can also see the number is posted visibly on my house. I disputed the transaction with Chase and the charge was reversed due to the picture XXXX XXXX XXXX furnishing PROOF IF DELIVERY which was the photo provided by XXXX. After getting notice of the reversal charge, I contacted Chase and was told that due to the " PROOF OF DELIVERY '' photo which was provided by XXXX XXXX XXXX the investigation was closed and that it was nothing further that could be done. The representative just didn't want to hear that XXXX made an error. After explaining that XXXX delivered the package to the wrong address. I then filed a missing package report with XXXX, but was told that all resources were exhausted and the package couldnt be located. XXXX then informed me that I needed to again contact XXXX XXXX XXXX to file a claim for the lost package, which they refused after speaking with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress  XXXX  XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information XXXXXXXX XXXXXXXX XXXXXXXX Credit Trade Line To Whom It May Concern, I am filing a formal complaint about inaccuracies on my credit reports from XXXX, Equifax, and XXXX concerning a trade line for a XXXX XXXX XXXX XXXX XXXXccount. Upon reviewing my credit reports, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). The specific issues are outlined below : 1. Discrepancy in Account Open Date : XXXX reports the account open date as XX/XX/XXXX, while Equifax and XXXX report it as XX/XX/XXXXXXXX This inconsistency shows a failure to maintain accurate reporting across all credit bureaus, as required by the FCRA. 
2. Discrepancy in Credit Limit : Equifax reports a credit limit of {$0.00}, whereas XXXX and XXXX both report a credit limit of {$1000.00}. This inconsistency is another violation of the FCRA 's requirement for accurate reporting. 
As stated in 15 USC 1681 ( a ) ( b ) and Public Law 90-321 ( 82 Stat. 146 ), credit reporting agencies are required to ensure the highest possible accuracy in the information they provide. Additionally, 15 USC 1681n sets a {$500.00} fine for each violation by any agency that willfully fails to comply with these accuracy requirements. Each credit bureau has a legal obligation, as part of their agreements with consumers, to comply with these laws. 
By failing to maintain consistent and accurate information, XXXX, Equifax, and XXXX are all in violation of the FCRA. This amounts to willful noncompliance, as defined under 15 USC 1681o, which states that any agency that is negligent in its duty to maintain accurate credit information is liable for damages. Additionally, 15 USC 1681s-2 specifies the obligations of information furnishers to ensure that the data reported to credit bureaus is accurate, which has clearly not been fulfilled in this case. 
Furthermore, the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ) requires that consumer reporting agencies comply with all U.S. laws related to consumer credit information. The discrepancies highlighted above represent clear violations of both the FCRA and the Privacy Act of 1974.

Requested Actions : 1. Immediate Removal of Inaccurate Trade Line : I request the immediate removal of the inaccurate XXXXXXXX XXXX XXXX XXXX trade line from my credit reports with XXXX, Equifax, and XXXX. 
2. Imposition of Fines for Violations : I request the enforcement of fines of no less than {$500.00} USD for each violation, totaling {$1000.00} USD for the two reported discrepancies.

Please confirm receipt of this complaint and provide a written response within 30 days, detailing the actions taken to address these inaccuracies in my credit report. 
Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/2023 I noticed multiple unauthorized transactions on my account. I first noticed {$240.00} charged at a XXXX XXXX in XXXX XXXX CA and an additional {$40.00} charged at a local XXXX. I noticed after seeing these charges that my card was no longer in my purse and must have been lost or stolen recent to these charges. I contacted Wells Fargo to open a claim to reimburse the {$280.00} worth of unauthorized charges on my account and was later declined. The reason for the denial was said to be due to the charges being within a 16 mile radius of my house as well as the card being used as chip or tap for some of the transactions, even though that does not always require a pin to be used to complete the transaction since the person who made these purchases did not have my pin. I never received an update on my claim, and had to reach out to Wells Fargo for this to be explained to me 2 weeks later, far beyond the 10 day window they promise. Im very disappointed in the lack of protection of my account, especially since this is what Wells Fargo says is one of their main selling points for opening an account with them.
Product: Checking or savings account

On Friday XX/XX/year>, my husband received a phone call that showed up as Wells Fargo- which is our bank. He was told that our account appeared to have fraudulent activity. During the conversation, his phone was hacked and his debit card ATM pin was stolen and a total of XXXX XXXX  from our two checking accounts was combined and then XXXX XXXX  was stolen by way of an XXXX XXXX withdrawal in XXXX California. We reside in XXXX, Alabama. The criminal on the other end of the phone said " HAHA, I just stole all your money ''. My husband immediately went to the bank, within 15 minutes, and reported what happened and filed a fraud claim. Our accounts were frozen. My husband also went to the police station and filed a report. We later emailed the police report to the fraud department at Wells Fargo per their instruction. My husbands XXXX and XXXX were both wiped clean by the hacker. We called the three credit bureaus and requested our credit be frozen. All of our bills/banking information were stored on the XXXX. My husband also made a claim with the FBI. My husband received a call on the following Thursday XX/XX/year> stating that our claim was complete. When my husband called the claims department back, he was told our claim was denied. We called the claims department back on Friday XX/XX/year> and asked for an explanation of the denial. We were told that our claim was denied because the transaction was authorized. We denied that report and explained that the transaction was not authorized. We were told that the police report had not been received and to wait and call back in 72 hours. We called back on Tuesday XX/XX/year> ad was told the police report had not been received. We were given a second email address and re-sent the police report. We were told to call back in 48-72 hours. We called the claims department again on XX/XX/year> and were told that the matter was still under investigation and was taking longer because of the dollar amount of the claim. We were advised to call back in another 72 hours. We called again on XX/XX/year> and were told our claim was denied and closed because Wells Fargo considers the transaction authorized. This is a false statement. There was no authorization for all the money from our accounts to be stolen. I am filing this complaint in hopes of getting some assistance in getting our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2019 I submitted disputes with TransUnion and XXXX  for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. XXXX  is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. XXXX  is reporting a fraudulent XXXX account that is in violation also.
Product: Debt collection

I recently obtained my credit reports from all three major credit bureaus, and I noticed that the information regarding the late payment on the aforementioned account is inconsistent among them. Both XXXX and XXXX have already updated their reporting to reflect the accurate status of the account, removing late payments. However, your bureau continues to report an inaccurate late payment. I was the victim and Im not sure why the XXXX is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that credit reporting agencies are obligated to provide accurate and up-to-date information. Inconsistencies such as this can have a significant impact on my credit score and financial well-being. Given that the other XXXX credit bureaus have already rectified this error and updated their reporting, I kindly request that you follow suit and correct the information on my credit report to accurately reflect the status of the account.
Product: Debt collection

Subject : Complaint Regarding Incorrect Collections Reporting on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding the inaccurate reporting of collections on my credit report by Portfolio Recovery Associates, LLC, and Lockhart , Morris & Montgomery. I believe that these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Complaint : XXXX XXXX XXXX XXXX XXXX XXXX  I have found an account reported by Portfolio Recovery that I believe is inaccurate. As per 15 U.S.C. 1681s-2, the reporting entity is required to provide accurate information to credit reporting agencies. However, this account does not reflect the true nature of my financial obligations, and I have not received adequate validation of the debt as required under 15 U.S.C. 1692g.

2. Lockhart , Morris & Montgomery : Additionally, I have noticed that Lockhart , Morris & Montgomery is also reporting an account that I dispute. They have failed to provide evidence that this debt is mine and have not adhered to the requirements set forth under the FDCPA regarding debt validation and proper communication.

Request for Action : I am requesting that the CFPB investigate these matters to ensure compliance with federal laws governing debt collection and credit reporting. Specifically, I ask that you : - Review the reporting practices of XXXX XXXX XXXX XXXX  and Lockhart , Morris & Montgomery in relation to my credit report. 
- Ensure that they provide proper validation of the debts they are reporting. 
- Take appropriate action to address their potential violations of the FCRA and FDCPA. 

I have attached copies of my credit report highlighting the disputed accounts, along with any relevant correspondence I have had with both debt collectors.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

This company is reporting things over 7 years old causing me to have problems obtaining a job
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX My Step Dad sent my boyfriend {$300.00} to surprise me to ask me to marry him at my cousins wedding and of course i got hired on a new job!!!!!!! I 'm an American citizen!!! On Monday XX/XX/XXXXWe arrived at Western Union to pick up the money that was sent and stood in line for well over an hour!!!!! My Boyfriend was told that the transaction was not allowed. By this time i am wondering what is going on and why my boyfriend is looking Panicky ... .. So i ask what was going on and then he told me that my step Dad had sent money for him to surprise me!!!!!! Unbeknownst to me until 20 minutes before the wedding my cousin called looking for us because we had not shown up and said that My boyfriend was to propose to me!!!!!! This is so hurtful to me because we lost a moment that we cant ever get back and Between food Hotel accommodations, Taxi rides and The XXXX charges a fee on XXXX per couple per day in order to be on there resort ... ... We lost close to 1500  bucks and my cousins feelings were very hurt and furthermore we lost a moment that we can never get back!!!!! I believe that Western Discriminated against us because we were XXXX sending a large sum of money!!!!!!! I have often found that they have a tendency to discriminate against people of XXXX!!!!!! No one at any given time called to tell the sender that the Money transfer was cancelled .... When he walked into the agent location to send the money that transaction went thru!!!!!! You do n't take someones money and then cancel it without calling to let them know that you are not processing the transaction. Even still they had one whole day to call the sender and say we cancelled your transaction and then my stepdad could have found another way to send it before he hit the road ... ... My stepdad is a truck driver of oversize loads and there is no way for him to get that truck into a parking lot of a western union office and he could not pick up the money to resend with XXXX XXXX and not to mention the tension that this issue has caused between every one!!!!! I want my money back and i want to be compensated for the emotional toll this has taken on all of us. Oh and furthermore i reached out to them on several occasion and was pretty much told to XXXX off and oh well!!!!! The sender also called and they gave him a new tracking number to pick up his money!!!!!! That was after everything had went down ... .. We was clearly upset about this issue and could not even enjoy the resort that we stayed in .... This was a disaster!!!!!
Product: Debt collection

I am a consumer of the XXXX XXXX and Orions Management Group LLC is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to OMG LLC to contact me at any given time or place as well as never giving them any of my information. The fact that OMG LLC has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm Orions Management Group LLC has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021
Product: Bank account or service

Money withdrawn from my savings account in the amount of XXXX $ to pay for credit card bill with out my permission
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 XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX 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: Checking or savings account

On XX/XX/2023 Upgrade sent a XXXX to my mortgage company on my behalf in the amount of XXXX. The mortgage company rejected the payment on the same day. Upgrade has yet to return my funds to my account. I forwarded the requested information to them on XXXX at XXXXXXXX XXXX CST, but they are now asking for that information again. I have been patient, however 10 business days is a long time to wait.
Product: Credit card or prepaid card

My card was used for {$480.00} on XX/XX/22 in an online transaction thru XXXX. The company was XXXX XXXX  which is an XXXX company in XXXX XXXX I dont live in XXXX XXXX XXXX I have done all the research on my end. They have said I lost the dispute and that it was me. 

I have worked with XXXX XXXX  who has stated they dont have the transaction in their system and that they dont even use XXXX so its not even their company who the card was used at. The evidence against me is a XXXX receipt with my name and address but a fake email and fake phone number and invoice number was XXXX. Lots of red flags. 

I dont know what else I can possibly provide to say it wasnt me for an online transaction.
Product: Mortgage

I contacted XXXX XXXX & Towne Mortgage Escrow department by E-mail on XX/XX/2018 as instructed to do by customer service. I had issues with how they calculated our monthly payment. 
The monthly payment should be XXXX they are billing {$610.00}. 
I Emailed them a copy of our 2018 homeowners policy showing the amount that they showed was paid on the statement was higher then what was due for the 2018 policy. 

They responded on XX/XX/XXXX but did not answer fully my questions. I understand that they are charging us a PMI of {$240.00} per year that we didn't know about. but there is apparently a shortage they are claiming of {$430.00} and they will not provide me a clear explaination of why a shortage exists. And I was told to contact customer service with further questions. customer service told me anything to do with Escrow I would need to contact the Escrow department. 

On XX/XX/2018 I contacted my insurance agent and she verified that they did not receive the payment of XXXX, that the Mortgage company stated they paid, instead they received what the policy amount should be {$1200.00}.
Product: Credit reporting or other personal consumer reports

This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX LVNV Funding LLC, and XXXX XXXX XXXX XXXX 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

LVNV hired a law firm from XXXX. The case was litigated in XXXX XXXX XXXX XXXX. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXX XXXX XXXX is not registered with the Secretary of State for the State of Nevada and not being registered as a XXXX XXXX XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.
Product: Prepaid card

So starting in XXXX XXXX XXXX I did a trial with XXXX and after the end of the trial I requested that the service end. Since then the company has repeatedly continued to charge my card and through multiple contacts with the company they have refused to stop charging my card. Even though the card has been locked for most of transaction attempts they have still relentlessly been attempting to charge my card sometimes multiple times a day and certainly multiple times a month. I have said them several emails requesting that they stop charging my card and they have not done so and claim they can not find the account. Is obvious for my bank account that they are continuing to attempt these charges and I've filed disputes with cash app and they say that the merchant has done everything that they can do correctly and there's no reason for them to refund or block any of the charges. I don't know what to do to stop them from charging my card.