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

My Experian credit report is showing a late payment in XXXXXXXX XXXX. My Bankruptcy was filed in XXXXXXXX XXXX and this account was never late up to the date of the XXXX filing. 

There are three XXXX account numbers incorrectly reporting a late payment in XXXX XXXX. 
Those account numbers are : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Checking or savings account

I initiated an ACH transfer to transfer {$4000.00} USD from my SoFi Bank checking account to my XXXX business account. The funds were successfully debited from my SoFi account on XXXX, but then I received a call from XXXX Bank saying they could not verify the external account belonged to me and the ACH transfer was not successful. I later sent them a statement proving it was my account, and can now make future transfers between the two, but that $ XXXX transfer failed and is stuck between both banks. 

I have spent 8+ hours on the phone calling both banks about the issue. XXXX Bank tells me there is nothing they can do as they never accepted the ACH and I need to file a dispute with SoFi for the incomplete transaction for SoFi to credit the funds back into my account. When I file a dispute with SoFi, they say they researched and found no errors. What? So they just get to keep my money? Scummy and poor customer service to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't made aware that I can opt out.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I can not transfer money out of my Wells Fargo Checking account. 

When submitting a transfer ( to any bank, all accounts are my own personal account ), it states the following error. 

" Please Confirm Your Identity Close We are unable to complete your request at this time. 

If your contact information is incorrect or not listed, use one of the following options to update your information and receive further assistance : Visit a Wells Fargo ATM Update your information at any Wells Fargo ATM. 

Find an ATM near you. 

Contact Wells Fargo Customer Service Call XXXX. If you are calling from outside the United States, please use one of our toll-free international access codes. 
Have your account information handy when you call. 
If you're a guest user, please ask your administrator to contact us. '' I called the number on XX/XX/XXXX, the CSR advised that I can go to a Wells Fargo ATM to solve this, which I could not because the closest is XXXX miles, or I can change my phone number on my Wells Fargo account from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to a regular mobile number. I updated my number from a XXXX to a regular mobile, and the CSR said they put in a request and try again in XXXX hours. 

XX/XX/XXXX I still could not make a transfer and called back. The next CSR said that the last customer representative never put in a request, they have now initiated a request to update my contact info and try again in XXXX hours. 

XX/XX/XXXX I still could not make a transfer, once again talked to a CSR who said because I still had my old XXXX present on the account as an alternate line, that was causing the issue. I updated so my old number was taken off the account. CSR stated to wait 2 days ( again ) and try again. 

XX/XX/XXXX still could not transfer, spoke to a supervisor who said she would file a complaint and I should hear back in XXXX hours as to why this is happening. 

XX/XX/XXXX still can not transfer, called back mad and spoke to supervisor again who stated that no one had even been assigned to my case filed on XX/XX/XXXX, and the only thing she can do is note my account. I still can not initiate a transfer from Wells Fargo to any of my other banks added to the account. 

As of writing this XX/XX/XXXX I have called 5 times about the same issue of not being able to initiate a push out of my account. I have incurred late fees from other accounts because my money is being held in limbo in this account. Wells Fargo unable to give answers about what's going on.
Product: Credit reporting

I filed a dispute in 2013 against the collection agency known as XXXX account number XXXX Phone number XXXX with Experian sometime in 2013. Experian failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.
Product: Credit card or prepaid card

I opened an XXXX XXXX card to build and outfit a XXXX store location and after 2 years of making payments on time and have XXXX issues with the company, they decreased my spending power from a {$20000.00} limit to the amount I owed, {$14000.00}. I currently have automatic payments scheduled. No good reason, no excuse, just a demand for half the amount due XXXX {$7000.00} XXXX before they 'd reinstate my normal limit. I have never missed a payment, always more than the amount due and until my store opened I always paid in full, tens of thousands lump sum payments. They had no response as to why have a {$20000.00} limit if it ca n't be approached. It seems I am not the only business owned they have done this to after finding reviews.This has crippled my new business to the point of failure if it does n't get resolved immediately. This is nothing short of extortion. 

My credit card bills can be submitted to you in another fashion, it would't upload the entire file. I selected a few for review.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

When I called Equifax on XX/XX/XXXX, they confirmed my dispute was received under my correct name and would be resolved by XX/XX/XXXX. However, today I received my first " stall '' letter from Equifax, claiming they don't have a file for me in their databasecomplete nonsense. In XXXX and again on XX/XX/XXXX, Equifax confirmed I was in their database under my correct name. Yet, this time, their stalling letter had my name interchanged, with my last name now appearing as " XXXX. '' To make matters worse, I now have a red alert on my file, something I have never had before. 

I know my name, and my dispute letter clearly states my first name correctly as " XXXX. '' Equifax is now demanding I prove who I am. I spoke to a representative named XXXX and cited both US Codes regarding inaccurate information. When I asked if I could fax this information, I was told their fax service has been disabled. I dialed two fax numbers while on the phone with the representative and discovered both numbers were indeed disabled. Then I was told I need to allow 7-10 days for Equifax to receive the requested information, plus another 5 days for processing. This delay interferes with my goals and puts me past the initial completion date.
Product: Checking or savings account

On XX/XX/XXXX I tried to wire my colleague {$18000.00} and as soon as I did so, my online login was disabled. I called Citi Bank and they said that the wire and account was placed under investigation and the account was pending closure. The account ended up getting closed out and they said it would be 30 - 60 days from them to send me a check in the mail with the funds. We are now almost 4 months since and they have not sent the funds. I call them every single day and today ( the latest update ) they said there is only {$460.00} that is due to me. I asked them about the {$18000.00} that was supposed to be wired to my colleague that never made it to him, they then put me on hold again and they came back and they said that the wire was rejected but they are not sure where those funds are. They told me to try and call back in 48 hours to see if they could locate those funds. 

That is my entire savings that I was giving it to my colleague to invest into a real estate business together. I need someone to step in on my behalf because I can not believe a bank of this size doesn't know what happened to my funds and can not locate them!
Product: Debt collection

I have been receiving calls from a XXXX XXXX and several other names on my cell phone, work phone and home phone. They leave messages that they are looking for me and will file action against me, but do n't describe for what reason. I researched and found that they are locators for the DTA Group, a debt collection co., for Pay Day loans. I have never had a payday loan nor do I owe outstanding debts. I have a high credit score. One phone call even stated my ss number on the message. This harrassment has been going on daily for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up to my previous complaint that contains a disputed items which I believe to be erroneous and must be deleted immediately. Kindly remove the following items immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}
Product: Debt collection

Ascension continues to call family members and mail information regarding debt of our deceased Dad. Their tactics are disgraceful including calling our Dad 's grandchildren.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at First Premier on XX/XX/XXXX under the account number XXXX with a balance {$700.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2011, I used XXXX XXXX bill pay to make a mortgage payment. The amount should have been {$1500.00}, but instead {$7500.00} was debited from my account. Over the last 9 days over half a dozen calls have been placed between the mortgage company, my bank, and me. Each phone call, the story changed as to the information needed. First it was a printout showing the money had ben debited and that the debit had posted. The it was a statement was needed. That can't be provided because the statement period hasn't ended yet. Next they demanded the running balance on my checking account. This was allegedly to show that we hadn't gone to XXXX asking for a refund as well. This was unnecessary, as a XXXX rep on a 3 way call had already verified that with bill pay, that was impossible. Then the next rep wanted a copy of the check, which only exists on their end. XXXX pays electronically, and their bank creates a check from that. They refuse to verify that on their end. Finally, on XX/XX/XXXX, the mortgage company said they will not refund the money. This is with them and XXXX verifying the amount, and that it was debited and posted to my account. Each rep we spoke to had a different set of rules and there has been no standard in requirements to correct the overpayment.
Product: Student loan

Submitted required ( electric bill with low income rate ) proof for deferment on XX/XX/XXXX. Website stated 7-10 business days, but after 14 it switched to : We're reviewing your deferment application we received on XX/XX/XXXX. Please allow time for your request to be completed. 

I got a PAYMENT/statement in the mail that is due XX/XX/XXXX. I called and waited on hold 2 hours before I had to go back to work. The payment is A LOT : {$300.00}. I can not pay this and do not want a late/missed payment on my account. 

They should have reviewed and approved my deferment by now.
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 have caused significant inconvenience and & financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter out to the credit bureau Transunion about investigating the fraudulent information I saw on my credit report. I received the investigation back, and the credit bureau Transunion still haven't taken anything off my credit report. According to 15 U.S. 1681 ( i ), the procedure in case of disputed accuracy. if the completeness or accuracy of an item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly or indirectly through reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information. 

Here is the information below that I would like to be taken off my credit report. Names inaccurate : XXXX XXXX, Employment inaccuarte XXXX XXXX XXXX XXXX Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo sent out super checks with promotional material that said that I would have no interest for any check I used for 15 months and that there would be a 4 % upfront fee. I wrote one check for {$10000.00} in XXXX and one for {$3000.00} in XXXX. The 4 % ( {$540.00} ) was added to my balance. I paid off any regular credit card charges every month but I kept on being charged interest. I called and they told me that was just how the system worked. I have called multiple times and have been progressively moved up the chain but the answer remains the same. The super checks totaled {$14000.00} and my current balance is {$13000.00} and I continue paying interest every month even though I stopped charging anything on my account months ago. My complaint is how can I owe interest when the balance is lower than the amount I wrote the checks for plus the 4 %. And if it is just the way the system works then how many of the thousands of other people who did this are also getting charged interest on their no interest supercheck offer?
Product: Credit reporting or other personal consumer reports

This is my 4th 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
Product: Debt collection

15 U.S. Code 1681s2 - Responsibilities of furnishers of 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. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 XXXX TRANSUNION 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!

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to trans union several times regarding inaccuracies on my credit report from a company called XXXX XXXX XXXX account number XXXX. And each time trans union has reported that the account Is accurate I am up loading documents to support that the account should be deleted from trans union. If the account in question can not be verified under F.C.R.A law that account must be deleted