23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : $ {$250000.00}
Product: Credit reporting or other personal consumer reports

I had my ID, social security card, passport and purse stolen out of my car while in the process of moving. I explained this matter to " XXXX '' and let them know I do not how this collection appeared on my account. I told them i did not open this account and their response was that they could not help me.
Product: Debt collection

I previously filed a complaint requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. At this time I will inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection should never show as a open account, on a credit report and should never have a past due balance as you can see on page XXXX of my Equifax credit report. 
XXXX Acct # XXXX have these errors, everything on a credit report must be 100 % accurate if not it must be deleted. 
By Law 15 USC 1681s-2 Responsipilities of furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors, 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 As you can see in complaint XXXX, they knew of this inaccurate information.
Product: Credit reporting or other personal consumer reports

The information reporting on my credit profile is inaccurate and I would like you validate that its belongs to me per accounts below : Experian : XX/XX/XXXXXXXX XXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year>XX/XX/XXXXXXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXXXX/XX/XXXXXXXX, XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX : XXXXXX/XX/XXXXXXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX Balance : {$0.00} Account : XXXX Date Opened : XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

I have submitted over 5 complaints to the credit bureaus. They have refused to investigate the discrepancies in my credit report. I have attached a 3 bureau table showing the errors in my report. Please assist in making sure XXXX, XXXX, and Transunion do their job. Thank you
Product: Checking or savings account

I received business funds for my business in my personal account and Capital one decided to end the business relationship and return those funds to whom they were sent from. They were unable so they sent them to the IL state XXXX, which I complied with. After that was done a remaining balance of {$250.00} was left in my account, it has been over XXXX and i have yet to hear back from anyone in regards to the matter. Each time I call Im given run arounds that never resolve my issue! Today I was told they have no time limit on an investigation but theyve already decided to terminate relationship so how is there still an ongoing investigation? Funds were already sent to the state, SO HOW IS THERE AN INVESTIGATION? Theyve stated the account isnt closed but I have no access to my money, I can still log into the account and view it, I am also still receiving bank statements as if the account is still open! CAPITAL ONE IS MAKING MONEY DAILY FROM MY FUNDS AND ITS BEEN OVER XXXX YEARS! The relation was terminated XX/XX/XXXX XXXX. The account is still open as of XX/XX/2023. Thats over XXXX, WHO INVESTIGATES THAT LONG ON AN ACCOUNT THAT HAS BEEN TERMINATED ALREADY? I call b.s and this is stealing! I was able to login until I called them today XX/XX/2023, now its saying its blocked for too many login attempts when thats a lie. Ive attached the pic of them saying such thing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple reports and disputes filed with EXPERIAN. EXPERIAN has indicated they comply with the Fair Credit Reporting Act. 

MY XXXXE identity Theft Protection XXXX  contractor provided a report from all three credit bureaus. on/or about Sunday XX/XX/XXXX. They had provided a report that was over a year old so I contacted them for additional ID theft services. They furnished a new credit report on XX/XX/XXXX. I have accessed that report and the information that EXPERIAN indicated had  been DELETED has NOT been deleted from the file. 

The report furnished by EXPERIAN to the CFPB went into significant detail concerning the complainant 's responsibility and what they do, but EXPERIAN filed false information with the CFPB indicating the Derogatory information reported in XX/XX/XXXX has been deleted. 

However, based on my review of the current credit report - that derogatory information is still showing on the report. IT was reported on/about XX/XX/XXXX as being removed/DELETED. 

Experian has indicated they have furnished the full report. Their electronic monitoring system and DISPUTE process continuous shows they complied with the 5- day report process upon completion of the of the investigation. This DISPUTE has not been resolved and the credit bureau has failed to comply with Federal statute in accordance with the information that has been reported to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Transunion continues to report a XXXX XXXX  Bankruptcy and is unwilling to provide the documentation used to validate the alleged bankruptcy. When contacting their contact center I was advised by a representative that they don't have the actual documentation to provide and the bankruptcy will remain on my file for 10 years
Product: Student loan

I am reporting JP Morgan Chase and XXXX XXXX XXXX. I was told by Chase from the last complaint that I would not be contacted by The XXXX XXXX again for collection and that my account with XXXX was updated as said in the letter from Chase attached. However, mailed out XXXX XXXX, 2015 and received by me a few days ago was another collection notice from The XXXX XXXX. This is also attached.
Product: Checking or savings account

SunTrust a few weeks past sent my wife a new card. She was inconvenienced and let in a bad situation because she couldn't get gas when she learned it was canceled. No text or email notification was sent. Now they sent her a new card and did the exact same thing. 

They have our email, text, phone information, any method of communication they need to reach us, but make no effort to assist and communicate. 

Then when I ask why the card was canceled they claimed a merchant compromised but would not provide any information about the merchant. 

Some things not right and the process need to be changed. My wife could have been at a restaurant when this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - re quested report from Transunion after viewing score which was  XXXX  points lower than other scores.   * requested to correct name and aka- * removed an address that was not mine * disputed closed account which was sold to another company- school loan Result- They said they corrected but after receiving report  XXXX  it was the same *corrected address-removed * dispute not resolved  XXXX  - asked to make the necessary changes & disputes because this was harming my credit   XX/XX/XXXX -  changes still not completed and the disputes are on the report as * consumer disputes this item- this is harmful in itself. I thought it is to be resolved or removed 45 days. Called and complained still no change.     It is now   XXXX   looking at my report and the very same issues are there. I called  XXXX   XXXX ,   XXXX   to dispute and CS stated all the credit reporting agencies has their rules, Transunion rules are set and we can not change the scores even if we have the same files as other companies.     I have tried over 4 years to get this corrected and compliant which is fair to me and just.
Product: Credit reporting

The account is closed since XX/XX/XXXX yet they are reporting no payment history yo Transunion which is effecting my credit score. This account should be removed from my Transunion credit report. 

Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type XXXX MortgageAccount Status Closed - TransferredOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 324 MonthsMonthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXX Status CurrentWorst Payment Status UnknownDate of Last Payment -- Amount Past Due $ XXXX 30/60/90 Days Late XXXXRemarks Transferred to another lenderCreditor Contact DetailsXXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

I've actually already run through your complaint process on this and you closed my complaint without addressing any single issue I've had with the company. 

Likewise, Wells Fargo has absolutely refused to address any of the material elements of the case I've raised with them. They simply say " no. '' This is absolutely unacceptable and I don't understand how the CFPB is representing my interest in this at all. 

In XXXX, I contacted Wells Fargo regarding my auto loan. It was slightly behind ( largely due to my business experiences with the COVID crisis ). I was set to get everything up to date but was waiting for new checks to clear so I could make a payment to catch up without issue. I called Wells Fargo to advise them of this. That I was sending a check dated XX/XX/XXXX and was concerned that it might not arrive on time. I was told that there was no problem with this and everything would be fine. I also advised them by phone that as soon as several other checks ( in hand ) cleared, I planned to catch up with the balance and never fall behind again. Again, they told me on that phone call that everything would be fine. 

The next communication I received from Wells Fargo was that my loan was no in " charge off '' status despite my outreach to them. 

In a follow up phone call, I was told my check ( dated XX/XX/XXXX ) cleared their system ( again conveniently ) on XX/XX/XXXX. On day " late, '' again, despite my open communication with them. 

Since then, through a series of letters and phone calls, Wells Fargo has informed me that they, conveniently, have no record of my call. Also, that the date my check cleared their system was actually XX/XX/XXXX. A date that was never mentioned in any communication from them before that phone call. 

I've provided written documentation of both my check and my phone call. To be clear, a printout of my phone records showing that a call was made to their offices on XX/XX/XXXX despite their insistence that they have no record of that call. 

This has resulted in upset over the status of my car and loan as well as negative reporting on my credit impacting my ability to get another car loan to rectify the situation if, indeed, the facts don't matter and we need to find another solution to this problem. 

I filed a complaint with your offices and had an experience that only seemed to grant Wells Fargo the benefit of the doubt over my claim. 

As I said initially, I would happily submit my hardcopy documentation to back up this story with evidence. But no one has followed up with me on this, either. 

I hope you at the CFPB will treat this issue seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

In XXXX, my company had several bank checks stolen from the XXXX XXXX XXXX. Three of those checks were cashed by someone at a Wells Fargo Branch somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement. Obviously, Wells Fargo is at fault for cashing the checks without proper identification or verification. Wells Fargo has yet to reimburse us for the theft.We are currently working with our bank, XXXX XXXX XXXX XXXX, to get reimbursed, but apparently Wells Fargo is not responding. I dont know how a {$32000.00} check to XXXXXXXX XXXX  could be cashed by an individual without verifying the identity of the person presenting the check, let alone cashing a check made to a corporation. Obviously, there are serious compliance and XXXX issues at this Wells Fargo Branch.

I have submitted all the evidence and requested documents to my bank several months ago. My bank forwarded all the documents to Wells Fargo accordingly.tg
Product: Payday loan, title loan, or personal loan

I have contacted Money LionXXXX XXXX for the past two weeks. 
They attempted debit withdrawals daily on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. I revoked my authorization for checking and debit, but Money Lion continues, even though they acknowledged my request and advised authorization had been revoked. In addition, they informed me of a {$200.00} loan, I never received it, but Moneylion states it is tied it to some type of membership. I have email communication and I called them as well, but they continue to submit these debits. 

I have made numerous payments to Moneylion, but they are adding charges and fees for funds not received nor memberships I signed up for with Moneylion.
Product: Debt collection

Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor XXXX XXXX was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from Quantum 3 Group, LLC. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for Quantum 3 Group, LLC and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at Quantum. She informed me that they represented XXXX XXXX. I told her the debt that we had with XXXX XXXX was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that XXXX finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that XXXX XXXX had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for Quantum 3 Group, LLC to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of Quantum 3 Group, LLC on behave of XXXX XXXX, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.
Product: Checking or savings account

2 online payment made with Citibank app to XXXX Credit Card owned by XXXX Bank {$110.00} on XX/XX/ {$900.00} onXX/XX/XXXXXX/XX/2023 I Forwarded all info that Citibank provided me to XXXX Bank their investigation found that XXXX Bank did not cash the checks. This has been going back and forth with Citibank and XXXX Bank for about 8 months.
Product: Debt collection

i have opened a 2013 auto loan that is no longer active, but it is still on my credit report as a charge off profit write off. I am just trying to maintain my image and credibility. I just need this account that no longer serves a purpose, off my credit report please. By the way, if this fix is delayed, i will lean toward litigation.
Product: Checking or savings account

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

2 late payments have showed up on my credit report that are not accurate at all. 

I have spoken with the creditor and they said they never submitted this information to the bureaus so they do not know why its saying that. 

Please help me remove my late payments so I can buy a home for my family. 

I have sent multiple certified letters to you guys on getting this removed please remove the following late payments ( XXXX XXXX XXXX XXXX ) Late payment ( XX/XX/2023 ) & also ( XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX XXXX Account number : XXXX  please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my credit report as identity theft with Experian several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of XXXX. The items reporting are for 2 XXXX   accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted XXXX XXXX XXXX whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to Experian, XXXX, and XXXX XXXX XXXX yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both XXXX and XXXX XXXX XXXX directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow Experian has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.