23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to complete its investigation within the allotted time. It has been 30 days since I mailed them the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account listed below. 

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

6. Victim of natural XXXX In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately. 

7. This account is not mine XXXX # XXXX Please remove it immediately. 

8. In School/deferment/Late payment are false XXXX XXXX # XXXX* Please remove it immediately. 

9. This account is not mine XXXX XXXX # XXXX Please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have sent several letters to Experian requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that Experian has not done so as I have received several stall letters and notification. that my information has been " Verified '' instead of " Updated '' as I have requested several times. I have been seeking a proper investigation and update to " PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. There are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX XXXX 30 days late. XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. On XX/XX/2023, I received correspondence from Experian stating these accounts are reporting accurately- which they are not. I sent another letter XX/XX/2023 stating that Experian is violating a few of my consumer rights. During the time of these late payments, this was during COVID which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. On XX/XX/2023, I receive correspondence from Experian stating that I the information has been verified without properly investigating my credit report versus the laws that have been violated. This has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late In response, I would like the following accounts to be updated to PAID AS AGREED. 

Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Im the span of 15 minutes I have received 15 calls from the same number. I couldnt answer as I was already on the phone with a XXXX XXXX
Product: Credit card

I have consistently ensured that payments on this account are made on time, avoiding any overdue charges. However, I am uncertain about the reasons for reports indicating late payments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

FCRA Section 609 guarantees that consumers have the right to obtain a copy of their credit report from credit reporting agencies like XXXX XXXX, and Equifax. This provision allows consumers to request their credit reports, typically once every 12 months for free through AnnualCreditReport.com, or upon request for a fee in certain circumstances ( except in certain cases like identity theft or fraud ). 
If Equifax is refusing or failing to provide access to your credit report, either online or through other means, they may be violating your right to access this information as outlined in Section 609. 

[ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX I have tried several times to obtain my current report online through annualcreditreport.com as well as their website and form with copies of my ID to no avail.
Product: Student loan

I called Mohela and inquired about why my student loan payment hadn't been adjusted to the new lower amount for the upcoming payment in XXXX. I'm currently under the new SAVE repayment plan for my student loans held by Mohela which is a student loan servicer. Under the new law that was going into effect, my monthly payment was now going to be calculated based off of 5 % of my discretionary income as opposed to 10 %. 

I spoke to a supervisor about why my payment hadn't been reduced nor had my account been placed in forbearance for a month as they were supposed to do if they weren't able to recalculate my new payment amount by XXXX. He was very helpful, but I spent over XXXX hours on the phone with the supervisor who tried to figure out why my payment amount hadn't been updated to the new lower payment. He explained that he couldn't find any reason why nothing had happened because I met all of the qualifications for it to be reduced. He also told me that according to their records, the payment amount was in-fact recalculated in XXXX. I explained to him it hadn't been done so because my upcoming scheduled payment was still the same amount ( {$210.00} ). He ultimately told me that he had exhausted his options on attempting to figure it out and that the department who deals with this doesn't have a phone number or a way to forward this issue for them to look into. He also said that there wasn't anyone else other than another colleague that could look into this. He said it wasn't likely that they would be able to resolve it, as they didn't have the ability to do anything about it either.
Product: Checking or savings account

Bank of America, XXXX XXXX violated federal law through critical failures including via XXXX : Leaving the door open to scammers : XXXX limited identity verification methods have allowed bad actors to quickly create accounts and target XXXX users. For example, criminals often exploited XXXX design and features to link a victims token to the fraudsters deposit account, which caused payments intended for the consumers account to instead flow to the fraudster account. 
Allowing repeat offenders to hop between banks : XXXX and bank of America were too slow to restrict and track criminals as they exploited multiple accounts across the network. Banks did not share information about known fraudulent transactions with other banks on the network. As a result, bad actors could carry out repeated fraud schemes across multiple institutions before being detected, if they were detected at all. 
Ignoring red flags that could prevent fraud : Despite receiving hundreds of thousands of fraud complaints, the XXXX  and bank of america banks have failed to use this information to prevent further fraud. They also allegedly violated the XXXX XXXX own rules by not reporting fraud incidents consistently or on time. 
Abandoning consumers after fraud occurred : Despite obligations under the Electronic Fund Transfer Act and Regulation E, the defendant banks failed to properly investigate XXXX customer complaints and take appropriate action for certain types of fraud and errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from Transunion and noticed a number of unauthorized enquiries.There were enquiries from XXXX/XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX /XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY
Product: Debt collection

The debt that XXXX XXXX XXXX XXXX saying I owe is {$2100.00}. This was due to identity theft and fraud. dates are XX/XX/2023 and various other dates they are claiming. They used a address that is not mine a phone number that is not mine and a birth date that is not mine. This company has still not removed my collection from my XXXX Credit report which lowered my credit score XXXX points. Please help get this removed. I have never lived at the address they are using.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT W/OUT COMPLETION. PLEASE HAVE ACCTS LISTED REMOVED FOR THE FOLLOWING VIOLATIONS OF CONSUMER CODES : 18 USC 1028A, AND VIOLATION OF 15 USC 1681 a4. You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. his is causing me emotional and financial stress as I am constantly denied and have to be punished in interest cost.
Product: Debt collection

My wife paid off a debt in XXXX XXXX to XXXX XXXX regarding a XXXX XXXX card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both XXXX and by XXXX. At that time ( XX/XX/XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XX/XX/XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from XXXX XXXX in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called XXXX and got nowhere. ( I have also filed a complaint with your office against XXXX and their tactics ). Finally I was referred to a XXXX attorney Meyer & Nju, XXXX advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from Meyer & Nju prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.
Product: Credit reporting or other personal consumer reports

I mailed a dispute letter and notice of intent to Experian to there mailbox in XXXXXXXX XXXX. I included my bank statement, my DL expired on XX/XX/XXXX. So I sent along the paper ID temporary one until the new one arrives in mail. I also attached a dispute letter, the letter from the lender/creditor stating things was not past due or late payments. I sent everything on how they can identify me. I have also provided the same information via online uploads so they can see its me. Experian continues to make false statements and violates the FCRA everyday. Especially 1681b section of the law Experian violates on a daily basis. This consumer reporting agency is known for stall tactics and not really investigate these accounts. On my consumer report the have my account for the XXXX XXXX XXXX XXXX as late for 90days the proof from the vendor / creditor so this is not true. Experian information is inconsistent with the creditors and they are reporting inaccurate false information on my report. If the months was paid on time three months prior how can one be 90 days late in XXXX when its on time for XXXXXXXX XXXX XXXX. This is an error and need to be fix promptly. The dispute was received by mail XX/XX/XXXX for accounts the tracking number from USPS is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan yesterday and was told a delinquent account with USAA existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, XXXX and XXXX ) have the delinquent account listed. I have never opened an account with USAA. I called USAA in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted XXXX to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.
Product: Mortgage

On XX/XX/XXXX I made payment of {$1000.00} to previous servicer ( XXXX XXXX XXXX ). The payment was not transferred initially with the loan to new servicer ( Select Portfolio Servicing ) on XX/XX/XXXX. 
On XX/XX/XXXX I received evidence that payment was received by new servicer in the form of a check. To this date SPS is denying receiving such payment and claims previous servicer did not send it despites the evidence : copy of the XXXX  check sent to SPS, the XXXX tracking number and XXXX tracking system showing mail was delivered on XX/XX/XXXX at XXXX XXXX. 
On XX/XX/XXXX I called SPS again regarding this issue. Since the associate was not able to address my request I asked to talk to a supervisor. The associate denied my request advising me I will be contacted once they update my case. As far as I am concerned payment was received and the only update that must happen is SPS applying this {$1000.00} payment to my loan as of XX/XX/XXXX. This is obstructing my right to payoff this loan early since payoff quote can't be generated given that all previous payments have not been applied.
Product: Money transfer, virtual currency, or money service

Cash app has taken unauthorized amounts of money from my account on numerous occasions and there was only an automated not to talk to that never resulted in my problem being resolved or my money being refunded.
Product: Credit card or prepaid card

On XX/XX/2020 & XX/XX/2020 my 2 Chase credit cards number 's XXXX & XXXX were hacked ( through identity theft ) of {$19000.00} to a XXXX XXXX? with a foreign transaction fee of XXXX ( XXXX ). 
And on card XXXX a charge of {$21000.00} to the same XXXX XXXX  and a foreign transaction fee of {$650.00}, these were and are preposterous theft charges not of my doing! After 2 months of fraud investagation they ( the Chase fraud department ) decided that I had gotten some sort of a benefit which they have refused to return my emails, telephone calls and faxes with the proof that I have asked for and have the right too. Isn't chase required to provide proof of my guilt before making me pay for something that I had nothing to do with?! During this time it seems as if they ( Chase XXXX feel that if they ignore the problem ( that I did not cause ) that I will just pay what I don't owe and go away. Since I am not in the wrong I just want the two bills cancelled because I will not go away until that happens. I also need from Chase Bank copies of my checking and savings accounts ckng # XXXX and sav # XXXX for the months of XXXX, XXXX, and XX/XX/2020 XXXX these accounts are closed after they to where cleaned out! ) for 2 police departments for the identity theft investigation. I have asked for the latter but to no avail! 
I understand if Chase is too busy to answer their phones in over 2 hours or emails but I need to help the authorities catch these people and they need the information from Chase!
Product: Money transfer, virtual currency, or money service

I'm a XXXX XXXX  and I started using XXXX ( WePay ) to bill my clients in 2023. 

The first payments happened normally, but I noticed that my third and fourth invoice sent at the beginning of XXXX, despite being marked as paid, never entered my account. 

XX/XX/2023 : I opened a ticket with XXXX support to understand what was happening. ticket # XXXX XX/XX/2023 : They answered me saying : " I can see that you used WePay to process XXXX Payments and XXXX for another one. Although WePay and XXXX are different companies, we are able to reach out to them on your behalf. I have opened a ticket with WePay in regard to the whereabouts of the Payments for Invoices XXXX & XXXX. Once I have an update I will let you know. '' XX/XX/2023 : They send me this answer : " As promised, I reached out to WePay on your behalf and this is what they had to say : We apologize for the inconvenience, but WePay is no longer able to process payments for this account. We're held to strict guidelines on what we can and can not process through our site. After a standard review of their account, our Trust and Safety team has determined that we will not be able to provide them with our services. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. After the 120 calendar day timeframe, our Trust & Safety team will review the account again to determine if the funds can be released.I hope this provides the clarification you were looking for. Unfortunately, it seems WePay will hold these funds. I understand this can be frustrating and affects you as well as your business. Taking into account the circumstances, I would advise you to appeal WePay 's decision by sending an email to XXXX. You can read more about Merchant Appeals here. If you're interested, you can also reach out directly to WePay here. '' XX/XX/2023 : I opened a ticket ( ( # XXXX ) with WePay saying : For some reason, I didnt receive XXXX invoices. I contacted XXXX, and they said WePay is holding my money. I want to understand why the money is being held and how I can resolve this situation. 

XX/XX/2023 : They answered me : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2023 ''. 

I can't understand why my money is being arrested and my client said she paid with her debit card.
Product: Credit reporting

There are tax liens showing that were not suppose to be filed and have been advised by IRS and state that the liens had been removed.
Product: Checking or savings account

XXXX - XXXX XX/XX/XXXX I received multiple emails from Bank of America ( I am a current customer, mobile and desktop usage ). First email " Your Statement is ready, XXXX business account '' Second email " Verify your Email '' Third email " Welcome to Online banking, with your new account '' Forth email " Unable to Open your Online Account '' - This is when I contacted Bank of America and reported the activity. I was informed that an attempt to open an account had been made ; it was confirmed. However, no additional investigation would ensue beyond that point, because the account was never actually " Opened '' per their standards. So I received a follow-up email with " Tips and Tricks '' for responding to fraud on your own as a citizen. It was useful - I followed the email 's suggestions and it reminded me that this happened same time last year XXXX have the old FTC reports saved, credit freezes are in place for me since XX/XX/XXXX. So, this is a pattern officially, and I want to increase my protections ( if such a thing is even possible ) I want to get a deposit account review for my XXXX also! The XXXX was the newest resource for me; led me to this form at the CFPB.
Product: Vehicle loan or lease

I paid off the loan on my car. I have written confirmation that the lender received the payment. When I accesssed my account online, howevr, it did not show the account as paid off. Mercedes Benz Financial Services is also still reporting the account as a current account on the credit report. I called to ask, therefore. when the account would be updated, because it is preventing me from getting a new car loan. The initial operator with whom I spoke knew nothing about payoffs. So, I asked to talk to a manager who could help me with my issue. Instead of doing that, the operator transferred me to someone who handles monthly payments. I then requested to speak with a subject matter specialist in the area of payoffs. I was told that no one was there any longer who could talk to me because it was after XXXXXXXX XXXX It was only XXXX XXXX. my time, and if the operator had not ignored my request to be put through to a specialist during the first 15 minutes of the call, it wouldn't have been after XXXX. Then, as if by magic, my call was transferred to someone who did seem to actually know something about payoffs. Unfortunately, however, he was unable to help too and put me through the paces unecessarily. Ultimately, he told me that he could get back to me by Thursday. It was Monday, and there is no reason why I should have to wait four days to hear back from someone -- someone who may not be taking care of the problem either! When pressed, he admitted that it would take 4 days because he was going on some type of work pause until then. When I protested about that, he told me that someone would call me on Wednesday. I have absolutely no idea why it takes several days for this finance company to get bck to customers, esepcially when the inaccuracy of their records is preventing a customer ( me ) from obtianing another loan. 

This is the second complaint that I have had to file against this lender in less than a week. This lender should be investigated thoroughly in my view for their gross untimelliness in resonding to borrowers ' reasonable requests for information about their loan/account.