23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Re : XXXX XXXX XXXX They informed me on XX/XX/XXXX that they were closing my account. I have complied with all terms and conditions and paid my balance off every month. Their language on my letter reads " SHOULD not affect my credit rating ''. They refuse to give me an answer why and have stopped responding to my correspondence. I take great pride in my credit standing so this is very troublesome to me.
Product: Mortgage

Escrow requested payoff. The send the wrong pre-payment penalty amount. XXXX equal to 4 %. It should be 1 %. XXXX. 

Have been put on hold for hours many times.

When asked to speak to manager they dropped the call.

Caused a full day of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user and disputed a missed payment in XX/XX/2017 on my report. when The missed payment occurred At the time, I took over payment of the account. When the missed payment was disputed The entire account was removed from my credit report in error and Transunion refuses to investigate the issue properly upon my request and/or send me documentation of their investigation of my claim about the account removal in error. They refuse to supply me with information but insist I contact the creditor about an error I assume to be on their part. 

In XX/XX/2017 Transunion had the entire creditor ( XXXX XXXX ) removed within 3/4 days of an original dispute over a missed payment and never reinserted the creditor. I called within days to correct the error after receiving the surprisingly quick report of the investigation, explained to them the XXXX XXXX creditor was an actual account and the removal of the entire account was a mistake - only the missed payment was disputed. They then told me I had to contact the creditor because They did not remove the item and only the creditor can add and report an item. I contacted XXXX XXXX and The representative relayed that they had no contact from Transunion about the account at all. I called transunion to let them know and the y said there was nothing they could do and to wait until the creditor reported the account. So i did. 

So, then I waited until the next reporting cycle in XXXX and still saw no updates to my credit file. Afterwards, I called transunion again to reexplain my dilemma. Again, I was told i needed to contact the creditor. So i did. Again I was told home deport reports to all agencies and all of its authorized users. They said they were reporting the item as usual. This back and forth continued for weeks and still Transunion refused to add the account. They insisted the creditor was not reporting the account. 

Finally in XXXX, I was then told for the first time by Transunion that I needed to contact the creditor and have them submit a reinsertion request to have the account reported again due to their policy. So I did. Initially, the creditor said they had no knowledge of the form, but The XXXX XXXX updated my account and added my SS number just before the reporting cycle to ensure it was reported accurately. Still did not result in the account being added by Transunion. 

Finally, I called Transunion/creditor again and the creditor sent a reinsertion request document on XX/XX/XXXX. As of XX/XX/XXXX, My phone call to transunion to verify receipt revealed that Transunion still claims to not be in receipt of the form even though the creditor explained they would within 72 hours of my request. Transunion then put me on hold with dead air for over 5 min after i requested to speak with a supervisor and was told I was being transferred. 

They have mishandled my credit report and refuse to correct the action. I am seeking a home and it it vital my report reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  reported on my credit report that the first major delinquency was on  XXXX    XXXX  . The problem is I filed Chapter  XXXX  bankruptcy prior to  XXXX   XXXX  reporting the delinquency to the credit bureau.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries be removed : XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX I Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Product: Checking or savings account

In XX/XX/2021 there was an unauthorized transaction on my account at Navy Federal Credit Union. When I called to report it I was put on hold and the problem was not resolved. The phone operators were rude and kept putting me on hold and never returning to the line. The following morning I physically went in to the branch to file a complaint and they issued me a new card. With that card I started payments on my XXXX car insurance until there was fraud again. When XXXX tried to process a payment for {$220.00} the payment did not process and XXXX contacted me that another payment was due for {$330.00}. I paid that with new card only to find out that 2 payments processed. When I asked NFCU to stop the processing on XX/XX/XXXX they refused. I called back on the XXXX of XXXX and they still did not process a refund until XX/XX/XXXX th. Now NFCU is saying I will have no funding for 10 days. NFCU refuses to give me my money back and was put on hold 6 times by customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts fraudulently furnished to my credit report. I have contacted the CRA 's as well as creditors responsible for the fraudulent reporting. I have not been provided legal binding documents showing the validity of this fraudulent reporting from the CRA 's. The information is not consistently reported and one bureau is in compliance, where the others are not. I have informed each CRA of my final attempt at peaceful civil mediation, without prejudice with All Natural Inalienable Rights Reserved. I am requesting the removal of all of the information submitted to each CRA, Experian, XXXX and XXXX are in receipt of my demand and complaint as of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXX XXXX  ACCT # XXXX or ACCT # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2017 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also, this account is showing 2 different kinds of account number based on the credit report. Acct # XXXX and XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 21 days before the payment due date.

This company 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.
Product: Credit card

US Bank Opened and send me a credit card which I did not request or applied for
Product: Debt collection

Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me.
Product: Credit card

All dates since credit card was opened. Chase credit card. the limit was {$4100.00}. Charges were made in that amount. I disputed and they said that they believe half the amount was fraud and the other half is not. I submitted an affidavit of forgery, fraud letter and police report, and they still say that half the balance is fraud. BUT-ALL the charges were not mine. I have been fighting with them about their said findings and they refuse to give me any documentation. They said by law, they didn't have to. They also lowered the credit limit to the balance currently on the card that they believe is not fraud. Credit card ends in : XXXX. I do not know what the full account number is because they will not tell me. They just continue to try to bill me and I refuse to pay for charges that are not mine. This is ridiculous and needs to stop now.
Product: Debt collection

Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 {$1300.00} I went to receive money that my uncle XXXX XXXX sent me for my back payment on rent and the rent for the month of XXXX. I need this money today because my leasing company has been super patient and gave me a deadline to turn the money in. I need this funds to be released. I a full-time XXXX   XXXX and Im not from Texas so me getting removed from my residency and getting an eviction under my name is not a good thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In aqccordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. i have two late payments on an account that are reporting 60 days late XX/XX/XXXX and XX/XX/XXXX. The consumer reporting agencies need to report all information with complete accuracy, this account has not been 30 days late on payments the months prior XXXX and XXXX. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Think you for your understanding and prompt action
Product: Money transfer, virtual currency, or money service

XXXX  married me on XX/XX/year> for the soul purpose of stealing all of my money. The Fraudulent marriage was XXXX marriage, and it should be a crime. XXXX  was tricking me into marrying him, ( knowing that he was married and already had a wife and XXXX children. That I knew nothing about until the wife called me and told me ) with the goal of becoming a lawful XXXX XXXX  or XXXX. XXXX XXXX XXXX and bringing over his wife and children to the United States to live happily ever after. 
This is the reason why XXXX  never wanted us to live together as spouses and built a life together. In fact every time I came to XXXX we never stayed at the house were he lived, because the area was a bad area, so for that reason we stayed at other families houses when I came in XXXX, and again at that same house in XXXX. 
made plans to come to XXXX he kept telling me no, I should wait. 
The purpose of the marriage is for the XXXX spouse  to get on the fast track to becoming a XXXX citizen, since XXXX  XXXX  is a privilege given to those married to U.S. citizens or lawful permanent residents.He scammed me out of {$200000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian regarding the incredibly large variance between their reporting agency and the two other major reporting agencies. The response I received was about the pillars of information they utilize when reporting and or updating credit scores. I responded by advising them, they utilize the same information as the other two agencies. I did not receive a response after that.
Product: Money transfer, virtual currency, or money service

There would be multiple times I would try and send money via Zelle and i would get undisclosed charges and fees. As well as sometimes not having the recipient receive the payment for days after it was sent!
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation - XXXX XXXX, Account Number XXXX Dear CFPB, I am writing to file a formal complaint regarding a debt reported on my credit report by TransUnion account in question is with XXXX XXXX, and I am requesting that this matter be investigated for proper debt validation. 

The details of the account in question are : Collection Agency : XXXXXXXX XXXX Account Number : XXXX Amount : {$750.00} I am disputing this collection and requesting validation of the debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that TransUnion provide the following : Proof of the debt, including a copy of the original agreement or contract showing that I am responsible for this debt. 
Verification of the total amount of {$750.00}, including any interest, fees, or charges that have been added. 
Documentation showing that XXXX XXXX has the legal right to collect this debt, including evidence of assignment or purchase. 
Proof of notification, showing that I was properly notified of the debt before it was reported to TransUnion. 
Until this debt is properly validated, I am requesting that TransUnion suspend reporting this debt on my credit report. If XXXX XXXX can not provide proper validation, I request that this collection be removed from my report entirely. 

I respectfully request that the CFPB investigate this matter, ensuring that TransUnion follows the required steps under the Fair Credit Reporting Act ( FCRA ). I look forward to a timely response and resolution within the legally mandated time frame. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX
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 : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX., Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX  XXXX XXXX XXXX in regards to a vehicle that has been XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing this letter to request the removal of several unauthorized items from my credit report. Upon conducting an investigation on my credit report, I was disappointed to find unverifiable, invalidated, inaccurate, and questionable items that were not reported correctly by your agency. This has caused me XXXX  XXXX, and I urge you to remove these items as soon as possible. 
As per 15 U.S. Code 1681e ( b ), it is mandated that consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, any information disputed by a consumer must undergo reinvestigation. If, after the reinvestigation, an item of information is found to be inaccurate or incomplete, the consumer reporting agency shall promptly delete that item of information or modify it based on the results of the reinvestigation.

Therefore, I request that you provide me with verifiable proof within 30 days of your investigation. If you are unable to do so, kindly remove the following items from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, THIS ACCOUNT IS INACCURATE I look forward to hearing from you soon and thank you in advance for your cooperation. 
Sincerely, XXXX XXXX
Product: Mortgage

This is my second complaint against Wells Fargo Mortgage. I was told that they increased my mortgage XXXX XX/XX/2016 due to my escrow. I was not informed of this until to day by corporate. My house was put into foreclosure do to this discrepancy in communication on their part. If i would have known XX/XX/XXXX, i would have sent the full amount the mortgage was increased to. They do not seem to want to take ownership of their error. Now i feel my next acton is to retain a lawyer. My last complaint has not been resolved yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mission Lane is reporting on all of my credit reports that I have a charged off account with them. I have never had any accounts, credit cards, etc. with Mission Lane. I've disputed this with all XXXX credit bureaus and keep getting a response that says this information " has been verified '' and if I don't agree with this decision, I would need to contact Mission Lane myself. So I did, and told them they need to stop reporting this erroneous account on all XXXX credit reports. They ( Mission Lane ) have failed to respond to my request and the erroneous accounts are still showing up on all XXXX credit reports.
Product: Debt collection

I sent in a complaint yesterday to XXXX XXXX XXXX to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want XXXX XXXX XXXX to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.
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 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

In XXXX I purchased furniture and a dryer from Conns in XXXX Az. I was overcharged {$100.00} for the recliner. Conns is aware of the issue because they notified me. Ever since XX/XX/19 they say they will credit my account with XXXX XXXX and they have NOT done that. I was told it was sent to XXXX XXXX at the end of XXXX. We are now at XX/XX/XXXX and they credit has never been sent. Conns says check with XXXX XXXX and XXXX XXXX says they need it in writing from Conns and Im in the middle. I was OVERCHARGED by an inexperienced sales person. This needs corrected now.