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

I, XXXX XXXX XXXX am verifying that I XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Money transfer, virtual currency, or money service

I am writing to seek your assistance regarding a financial transaction that has remained unresolved for an extended period. This issue involves a transfer of funds between Wells Fargo and XXXX XXXX, which has been pending since XX/XX/year>. Transaction Details : Sender 's Bank : Wells Fargo Recipient 's Bank : XXXX XXXX  Amount : {$1000.00} USD Date of Transaction : XX/XX/year> Confirmation Number : XXXX The transaction was initiated by XXXX XXXX XXXX : XXXX, who is a customer of Wells Fargo, intending to transfer {$1000.00} to my account at XXXX XXXX. Despite the lapse of a considerable time since the initiation date, the status of this transaction remains 'pending. ' As a result, the funds have not been credited to my account.
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and was disappointed with what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.
Product: Money transfer, virtual currency, or money service

When I sent an Zelle payment and it was to the wrong person I was told I will not be able to get my money back instead try to reach out to the person that it was sent too and see if they can send it back and this was XXXX amounts totaling about {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX  I  discovered that my credit report was showing a 30 day late payment fro m Wells Fargo Dealer Services  from   XX/XX/XXXX . I n   XX/XX/XXXX  I mai led in my monthly payment for the correct amount ( {$290.00} ) and ON TIME (   XX/XX/XXXX  ). W hen I received my   XX/XX/XXXX   bill/statement, I discovered that my new bill was for {$410.00}. At that point I looked at my checking account and discovered that someone had incorrectly entered the   XX/XX/XXXX  check  amount for {$190.00} instead of the amount the check was written for. I immediately called  Wells Fargo Dealer Services.  I explained to the customer service representative that I talked to what had happened and even asked them to look at their image of the check and they could see it was written for the correct amount. The person I spoke too acted as though it was n't a problem and told me just to mail in the next payment as usual, to which I did. The next payment was mailed i n on  XX/XX/XXXX  a nd for the amount of {$410.00}. At that point I never thought anything else about it, and only until I checked my credit did I discover that W ell 's Fargo had w rongly reported to the credit bureaus that I was 30 days late on my payment.  <P/> After discovering this, I immediately filed a credit dispute with all  XXXX  credit bureaus as well as contacting  Wells Fargo Dealer Services. I  was told b y the Wells Fargo Customer Services Representative that I should fax a letter along with my   supporting documents to their Credit Report Dispute Resolution Unit. I did exactly that, sending them a letter as well as a copy of both the   XX/XX/XXXX  and  XX/XX/XXXX  checks as well as the dates that both checks were pro cessed through my bank. This was faxed to them on   XX/XX/XXXX . On  XX/XX/XXXX  I   received a letter from t he Credit Dispute Resolution Unit ( Wells Fargo ) stati ng that they verified that the information submitted to the credit reporting agencies was accurate and asking that if I had any cancelled checks or other records I should sub mit to Wells Fargo. I  HAD ALREADY PROVIDED THE CANCELLED CHECKS WITH PROCESSING DATES IN THE INITIAL COMPLAINT. I called  Wells Fargo again, a nd asked to talk to someone in th e Credit Dispute Resolution Unit. I was told that they were correspondence only, and there w as no one I could actually talk too. I then asked to speak to a supervisor and apparently I have been put on another dispute resolution case. Each of the  XXXX  credit bureaus have apparently updated their information to show the payment amounts for   XX/XX/XXXX  and  XX/XX/XXXX but the 30 day late payment has remained, apparently   becaus e Wells Fargo has "  verified '' their report.
Product: Credit reporting or other personal consumer reports

Just put according to this law this company has violated my rights XXXX XXXX Code XXXX - Inquiries XXXX XXXX Code XXXX - Late Payments XXXX XXXX Code XXXX - Collections XXXX XXXX Code XXXX - Charge Offs
Product: Credit reporting

XXXX has Charged off a XXXX in XXXX, and have added it to my Trans Union and XXXX credit reports as a brand new Unpaid Charge Off Debt, plunging my credit score, they have done this for the past 3 years every XXXX, the most recent is XXXX XXXX XXXX. I live in Colorado and the statue of limitations is 6 years, it is illegal for XXXX XXXX or any creditor when a debt is old to put it on a credit report as a brand new debt. I have disputed this with both XXXX XXXX and The Credit Bureaus they will not remove this debt. I have XXXX other XXXX and a XXXX with XXXX XXXX that are paid on time every single month. I have been a loyal customer to them for several years and yet I am being denied a Mortgage because XXXX XXXX continually puts this old charged off account on my Credit Report as Brand New making it look as if I just had this XXXX Charged off and refuses to remove it. Please help.
Product: Debt collection

In 2019, XXXX XXXX as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to XXXX XXXX as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, XXXX XXXX as a successor in interest to XXXX XXXX XXXX XXXX  with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. 
I am disputing this charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX FIRE XXXX XXXX XXXX, NC XXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions ) I never gave credit reporting agencies any written instructions to furnish any account on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have directed Experian to include a statement of dispute on my credit report twice, in writing, but they have refused to do so. They are now saying that there is not enough information to complete my request, but they are clearly just placing roadblocks in my path to prevent me from communicating directly with potential lenders about Experian 's false claim that I have " insufficient credit history, '' when I have over 30 years of positive credit history. As a US Military Veteran, I am incensed that Experian is deliberately interfering with my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

on XX/XX/XXXX and XX/XX/XXXX, I had an account withdrawal of XXXX and XXXX which I didn't make. I haven't had access to my card in over a year and I haven't logged into my account in over a year. Im making this complain because they refuses to give me my money when I have bills to pay.
Product: Debt collection

I have disputed the issue with the credit reporting company and received NO response other than we will send it out today. We paid a judgement off XX/XX/XXXX and have not been able to be released on the lien/credit report as no Satisfaction of Judgement has every been received by myself, my wife, representatives or the courthouse. Please see attached letter to them for information on steps we 've taken to take care of this. This has been an ongoing battle for close to five years, but more recently more aggressive in obtaining it due to escrow. XXXX XXXX was attorney for Midland/MCM ( Collector ) for XXXX the original debtor. 
MCM # XXXX ; XXXX # XXXX ; XXXX XXXX ; XXXX Superior Court Case # XXXX FYI : XXXX XXXX mishandled many clients XX/XX/XXXX according to many articles online.
Product: Credit reporting or other personal consumer reports

" According to FCRA section 605B it is illegal to report anything on my credit report without my permission.
Product: Debt collection

Received debt collection letter from Phoenix Financial Services LLC XX/XX/2019 concerning a medical debt that was paid. Requested validation and information regarding this alleged debt. XX/XX/2019 and received a billed stated an unpaid balance and a bill indicating procedures and medication. 
There is a clear HIPAA violation here without signed release of information and proceeding to report to credit reporting without proper validation
Product: Mortgage

SINCE XXXX RUSHMORE SERVICING ESCROW DEPT. HAS REFUSED TO MAIL MY REFUND OF {$2600.00} TO MY MAILING ADDRESS FROM MY ESCROW ACCOUNT DESPITE SEVERAL ATTEMPTS. I SPOKE WITH REPRESENTATIVE XXXX ON XX/XX/year> XXXX XXXX  REQUESTING THAT I NEVER RECEIVED MY MONEY BY PRIORITY MAIL AND SHE SAID THAT THEY WILL REMAIL IT
Product: Credit reporting or other personal consumer reports

I filed complaints with XXXX, Equifax, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below.

The failure to label this disputed account as disputed by the corporation is a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the final action on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.
Product: Payday loan, title loan, personal loan, or advance loan

OK, I have contacted best egg Buy phone four or five times with no resolve Ill say do or say is that what it is that is the way it is so I would say that Ive contacted them on the origination fee. They charged XXXX times XXXX XXXXXXXX of every month I called them and asked them. Why has this not been resolved and given them back with no response
Product: Credit card or prepaid card

I have filed a dispute with Comenity Bank on XX/XX/XXXX. Dispute # XXXX. BJ 's Credit card. 
On Sunday, XX/XX/XXXX, I tried to use my card. It was declined at store. 
Came home to call customer service on XX/XX/XXXX. They indicated that my bill was no paid. I believed that my payment was lost in mail and agreed to pay bill immediately over the phone with current balance. I always pay my bills in full. Next day I went to my bank at XXXX XXXX XXXX to put a stop payment on check. At that time they indicated to me that the check was cashed by Comenity Bank on XX/XX/XXXX before due date. 

On XX/XX/XXXX, I called and filed dispute. On XX/XX/XXXX, I was told by Comenity Bank the only way to reach them was by mail. So I mailed them a letter with dispute # and account information explaining the situation. Also included copies of my bank statement and copy of the bank transaction detail that indicated check #, trace number, account #. Transaction #, Status, Queure/application, Description check payment to Comenity Card accounts.

I have called several times since called Customer Service Dept. They keep saying that they have 90 days. Also indicated that we can not speak to anyone in the dispute department only mail. They have no information other than a dispute was filed and they did receive my letter on XX/XX/XXXX with the information I mailed. Only received XXXX letter from the Dispute department dated XX/XX/XXXX that they will notify me of the finding. 
Customer service is no help. It will be 90 days on Sunday, XX/XX/XXXX since I filed the dispute. As of today, have only XXXX correspondence from Comenity Bank dated XX/XX/XXXX. 

The last call I made was on XX/XX/XXXX -only spoke to Customer Service again. Asked for XXXX XXXXgot same answer they have 90 days. Asked as a consumer what can I do. They said nothing. Just have to wait or contact dispute department again by mail. 

I don't understand how a bank can keep your money for 90 days? When information was given to them that proved that they cashed check?
Product: Debt collection

Received first letter from XXXX XXXX XXXX dated XX/XX/2020 requesting payment for a debt from original Creditor : XXXX XXXX For the amount of {$1600.00}. this is not my debt and I have had no contact with XXXX. I then sent within 30 days a letter to them stating that this is not my debt. # 1-I asked for full name and mailing address from the original creditor for alleged debt. # 2-i request documentation showing you have information that i am responsible for this debt. # 3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XX/XX/2020 from a second agency Emergent services for a second attempt to collect on the debt from XXXX XXXX. in the amount of {$1600.00}. I sent a second letter to Emergent within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/2020 I received a letter from the Emergent Compliance program manager which included a copy of the XXXX XXXX RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital. 

XX/XX/2022 and XX/XX/2022 It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation on a late payment they have not supplied this information and they must delete the alleged late payment off my credit report. 
by federal law they had 30 days to provide and complete the investigation and by failing to do so the item must be deleted off my credit report as soon as possible.
Product: Credit card or prepaid card

I opened a card with Synchrony Bank a few years back. It was a their XXXX gas card from their car care family. In XXXX it was reported for fraudulent use. I was to be sent a new card but never received one. I have recently learned that a card was sent but it was stolen, activated, and used. I reported this to the credit bureaus and Synchrony Bank. I reported it within the required time. The bureaus removed it from the reports and have verified it as fraud ( via Synchrony Bank ). There are other accounts that have been opened in my name including a XXXX card and others. Synchrony Bank has not removed my name from the financial responsibility of these accounts, despite reporting the fraud to the credit bureaus. I even provided the identity of several people who are possibly involved. Recently one of them was arrested with several of my cancelled credit cards and an XXXX credit report obtained fraudulently. I currently have no accounts that I have opened in my name. Synchrony Bank 's refusal to remove these and any other accounts possibly linked to my name and social security number.
Product: Checking or savings account

I responded to HSBC Premier account promotion by opening an account with them before XX/XX/XXXX. Before I opened this account, I did call to check with HSBC and did confirm that I do qualify for this promotion. 
However, I did not received the promotion after mid-XXXX. I chatted with the customer service and was told that I have satisfied all the terms for promotion but have to wait till mid-XXXX  for the promotion credit of {$470.00}. I checked again on XX/XX/XXXX and they confirmed I do qualify ( see attached first pdf email from them ). However, upon checking again, I was told that I do not quality today ( see attached second pdf email from them ) HSBC is cheating their customers. I have three times repeatedly confirm with them the promotion. If they were to tell me the truth at the beginning, I would not have to waste time open the account and made effort to fulfilled all their terms. 
Please help me look into this matter and have HSBC honor their words. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to TransUnion ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to TransUnion on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, TransUnion is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of TransUnion who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts would not be removed until an investigation was completed. TransUnion has violated my rights and federal law with their unscrupulous business practices.
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 proce 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 XXXX  financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Primary address is wrongaccount is on freeze and companies still accessed credit report. Wrong phone numbers or numbers that do not belong to me
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 

Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX