23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a credit card holder with Wells Fargo as of earlier this year. I have always paid my bills, and my credit score is over XXXX. I tried to contact Wells Fargo to no avail. 

On the last statement, Wells Fargo has billed me incorrectly in the amount of {$430.00}. This amount does not include my payment made on XX/XX/XXXX of {$170.00}. Therefore, the correct amount to be billed is as follows : {$430.00} - {$170.00} = {$260.00}. 

I have confirmed this amount with the Posted Transactions for this period of time. The Posted Transactions do reflect my payment of {$170.00} and the reward {$14.00}. If you add up the Posted Transactions and the payments/rewards, you will arrive at {$260.00}, the correct amount to be billed. See enclosed screenshots. 

Solution : Have Wells Fargo correct their mistake and bill me for the correct amount of {$260.00}.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

CBNA/THD XX/XX/XXXX XXXX XX/XX/XXXX CITIBANK XXXX XXXX BEST BUY XX/XX/XXXX I disputed them and they remain on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX  is reporting the status of this account as a collection/chargeoff. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN for identification purposes so the bureaus will investigate my complaint. ) XXXX XXXX is claiming that I made a {$56.00} payment, which I did not make, and now the ( 3 ) bureaus have moved the date of last activity forward. When the false payment was reported it triggered the lates to report as well, which is incorrect. This account was opened in 2015 and the statute of limitations for reporting in the State of Mississippi is ( 3 ) years. This is clearly a violation of the Fair Credit Reporting Act for XXXX XXXX to claim a payment had been made when clearly one was NOT made, in order to move up the date of last activity on my credit report. It is also a violation of the FCRA to not report accurate information on a credit report. This incorrect reporting is harming my credit score and these line items need to be removed entirely from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 - I attempted to link my bank account to my CashApp in order to transfer {$970.00} from CashApp to my traditional bank account. 
When linking my account, I received a rejection alert that it could not link because my " account has been linked to activity that violates the terms of use. '' I bank with XXXX XXXX, and my account has never been involved or even suspected to be involved with any illegal or unusual activity, so I was very confused. I called customer service and there was no explanation as to why the account was flagged and unable to be used, only that it could not be used. The resolution was basically a sales pitch to order a CashApp debit card in order to withdraw my money from an ATM, which consequently would net CashApp {$3.00} per ATM withdraw. I declined and requested my case be escalated- a process by which is done via e-mail only. 
XX/XX/2024 - I received an email from the CashApp " customer service manager '' who advised me that my zip code may be incorrect- this was not even the nature of my issue, my debit card has been linked for approximately 2 years and been used without issue, only now when I wanted to link my actual bank account to route my money OUT of CashApp did I have trouble. I counter e-mailed stating that this was not my problem and asked for resolution to my actual problem. The response email stated that they had provided all the information they could and would not provide any other information and my complaint would be closed. I contested and asked for further escalation and was told again that they had provided information to resolve me issue and my complaint would be closed.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] followed on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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: Debt or credit management

Despite the settlement, XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. XXXX Reporting Agency, XXXX Information Services, TransUnion has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House XXXX XXXX XXXX, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in XXXX  XXXX, any offset debt that has been settled should not negatively impact my credit report.
Product: Debt collection

XXXX XXXX XXXXXXXX ordered the Trustee ( XXXX XXXX ) to illegally and tactfully foreclose on my property on XX/XX/2018 and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The responses and answers clearly indicates that XXXXXXXX XXXX XXXXXXXX is hiding critical information and committing FRAUD. 

Their response is as follows.. 

First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Third Response : " XXXX  is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Important note : The Federal Court filing of Trustee for the Certificate-Holders of XXXX , XXXX, Alternative Loan Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ; IS NOT the correct Certificate number that was filed with the Federal Court. The true and correct Certificate is XXXX Mortgage Pass-ThroughTrust Series XXXX. If XXXX   continues to refuse to provide the basic recipient information of the funds disbursed, I respectfully request that CFPB opens a Level II investigation on this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my report that were not opened by me. This has been hurting me as I am in the process of purchasing a home for me and my family. Pleas remove from my credit report as soon as possible.
Product: Debt collection

same number calls pretending to be paralegal, then process server. Indicating debt owed, no " debt collection, will be used for the purpose of collection .... '' info given at any time, operates out of XXXX in XXXX store in XXXX, spoofs/blocks numbers
Product: Credit reporting or other personal consumer reports

Dear POSSIBLEFINA, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report. This violation contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina state laws governing credit reporting and identity theft.

It has come to my attention that POSSIBLEFINA has reported information to my credit report without my explicit consent. Federal law, as outlined in the FCRA, requires that any credit reporting activities must be conducted with the consumers explicit permission as per Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law mandates similar protections. South Carolina Code Section 37-20-80 requires consent from the consumer for credit reporting. Moreover, South Carolina Code Section 16-13-510 addresses identity theft, emphasizing the severity of unauthorized access and misuse of personal information.

I assert unequivocally that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This lack of authorization constitutes a violation of my rights and has the potential to damage my creditworthiness, disregarding both federal and South Carolina state laws. 

I demand that POSSIBLEFINA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and South Carolina state laws including Sections 37-20-80 and 16-13-510. Failure to address this issue within the next 30 days will be considered willful noncompliance and could result in legal action and penalties under applicable laws. 

Please understand that obtaining consent is not optional but a legal requirement under the FCRA and South Carolina state regulations. This is a formal demand for compliance to ensure that my consumer rights are protected. 

I expect your prompt attention to this matter and anticipate a swift resolution to rectify these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw some questionable data reporting on my report from a XXXX  XXXX account with an account number XXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX  XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.
Product: Credit card

Please review the attached documents. I urge the bureau to start an investigation into these accounts, as they inaccurately depict me as late when I am not.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been subscribing to various credit monitoring services for quite some time now due to fraudulent activity. Today, I received a notification from XXXX XXXX that a new collections account was placed on my credit with XXXX. Though it is not currently showing up on the other two ( 2 ) bureaus, it is unknown whether this creditor intends to report to the other bureaus as well. I was never contacted by XXXX XXXX  prior to this account being placed on my credit. Had they of contacted me, I would have provided them with the FTC Identity Theft report that was previously filed including this account. Previously, the only information I had was that there was a credit inquiry from XXXX. This is the first I have been made aware that an actual account had been established. This creditor has violated the FCRA by placing this account on my credit report without first giving me the opportunity to dispute the debt as allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This can't be happening!! This company must remove the as they need to validate this account!
Product: Debt collection

I contacted the Hospital 's when i found out someone was using my Identity to receive health care and they stated they would look into the problem and resolve it asap. I have filed a police report and also filed actions against the hospital for letting this happen. I'm a XXXX myself and know one knows how something like this could happen, unless the admitting nurse know the people and let them uses my name. I want this off my credit asap or ill be suing XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had several late payments on a accounXXXX XXXX XXXX # XXXX that I was in fact paid on time the XXXX and Experian do not match. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following XXXX, I'm now requesting you investigate this account and update these payments to paid on time and never late immediately, thank you for your understanding and prompt action.
Product: Credit card or prepaid card

Barclays XXXX  Mastercard Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$150.00} on my account. The amount is inaccurate because I have not shopped or ordered anything from the following merchants. I recently received my current card ( just weeks old ) as a result of fraudulent activity. On XX/XX/2018, I noticed new fraudulent. I am more concerned with lack of protection and risk I have been subjected. 

Transaction Date Description Category Amount XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX XXXX XXXX XXXX DEBIT XXXX I am requesting that the errors are corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I would also like the evidence and source of charges I've identified as fraudulent and also a statement of all transactions that were denied. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account because of disputes I have given proof but now they wont let me send or record money I have two credit cards with them
Product: Credit card or prepaid card

CapitalOne has failed to respond adequately to my Notice Of Dispute laying out 12 specific requests for evidence to verify and validate the alleged debt with account ending XXXX ( of which was received by the CEO, CFO and General Council of CapitalOne on XX/XX/23 per my Certified Mail confirmations ). It clearly stated that " notice is NOT a request for confirmation that you have a copy of an agreement or copies of statements. This is a demand for proof that you have the requisite knowledge of the facts and that the alleged creditor provided adequate consideration and incurred a financial loss under the full & complete original agreement. '' On XX/XX/23, CapitalOne sent me copies of billing statements. AGAIN, not what I asked for. In response, I then sent a notarized Affidavit of Truth to CapitalOne CEO, CFO, Counsel, Attorney General and complaints to OCC and XXXX  on XX/XX/23 ( and now CFPB ). This AOT was received between XXXX per my Certified Mail confirmations. The following laws were violated ( with proof via exhibits ) : 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ), 15 USC 1692g ( a ) ( 5 ) ( b ), 15 USC 1692g ( b ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692e ( 2 ) ( b ), 15 USC 1692f ( 1 ), and 15 USC 1692a ( 2 ).
Product: Credit reporting or other personal consumer reports

Equifax is showing that i have a balance with XXXX XXXX in the amount of {$540.00} These are not charges I made with my XXXX XXXX XXXX but rather with the primary account holder, I am only an authorized user. 

The primary accout holders charges and balances are being reported to the Credit Reporting Agencies by XXXX XXXX to my credit report and they are not my charges I have not used my XXXX XXXX XXXX since XXXX XXXX 

I have tried calling Equifax and they refer me to XXXX XXXX ( XXXX ) when I Call XXXX they send me to a call center in XXXX, I have a reference number XXXX they say they are following policy and reporting to the Credit Reporting agnency as required By Law ( quote ). I have told them these are not my charges and should not be reported on my credit report. They either do not care or completely unknowledgble of American Laws. 

I have attach my statement showing I have not made any charges with my XXXX issued card since XXXX XXXX
Product: Money transfer, virtual currency, or money service

Between XXXX my accounts were what seems to be hacked. Mostly monthly, but sometimes weekly I'd get emails stating that I've made transactions that I didn't make. After repeatedly emailing cash app and talking to live agents about these transactions my accounts were canceled. I've lost over {$700.00} that I couldn't get back and ive never heard about any reimbursement.