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

I understand the Wells Fargo is much too busy these days addressing the concerns of eleven Senators as it relates to yet additional allegations of abusive lending practices by Wells Fargo, but I am not to be dismissed regarding my complaint. Although Wells Fargo considers the matter closed that doesn't make their findings creditable or final by any means. Wells wants this matter closed then do your due diligence and take a good hard look at the " Modification '' that was proposed to me and explain how said modification was suppose accomplish a fair and reasonable re-payment plan. As a court ordered condition of their settlement for peddling toxic and destructive loans to its customers, loans known as Pick-A Payment loans. Wells Fargo was supposed to review and modify said loans in a manner that would allow its customers to keep their homes. The modification offered to me was not fair or reasonable and after review by my legal adviser at the time it was deemed just as toxic. There was no fixed payment plan offered, no step-down approach offered, the HELOC was still unchanged and thousands in back charges were due upfront. Judging from the letter recently issued from all eleven Senators Wells Fargo is still up to their dirty lending practices. Your position may remain the same, but so does mine and therefore I will Never stop following my right to request fair and adequate compensation for the gross misconduct that Wells Fargo inflicted on me, my family and the millions of other victims that were preyed upon and continue to by preyed upon to this day, even if it has to go to our highest court for ample media coverage, exposure, consideration and final resolve.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with XXXX XXXX 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. 


( CREDITOR NAME ) 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!

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

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting negative information and needs to remove it ASAP a s it is over 7 years old.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently found a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX*********** I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open Late Dates : XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open Late Dates : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXXXXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This is not okay and not fair. I lost up to XXXX .
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$11000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Upon disputing the information with the creditor, HYUNDAI CAPITAL AMERICA, they provided a payment history document that includes details of another person with the name of XXXX XXXX. This erroneous document raises serious concerns about the accuracy of the information provided by the creditor. 
Account Information : -Account Name : HYUNDAI CAPITAL AMERIC -Account Number : XXXX -Date Opened : XX/XX/2018 I am troubled by the fact that HYUNDAI CAPITAL AMERICA , can not guarantee the accuracy of the information they provided, as they mistakenly included the payment history of another individual. This oversight demonstrates a failure on the part of the creditor to provide precise and reliable information to the credit reporting bureaus. 
I want to emphasize that the late payment dates reported on my credit file do not accurately reflect the resolution of the delinquency.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Product: Debt collection

On I discovered ( CONTRACT CALLERS INC ) had been re-inserted into all my XXXX 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, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/19, {$460.00} - rental scam. I found a rental on XXXX XXXX in XXXX that was available. They asked if I could send payment through XXXX. I never heard of it. As soon as I looked it up it was actually part of my TD Bank app. I felt more comfortable knowing this since it was part of my TD Bank that this is a trusted site and my bank is aware of the person I am sending the money to. If they didn't know who uses XXXX they would not have them as part of a money transfer company on their app. Even when I typed in the email the person provided, the app was like you mean " XXXX '' because I typed in the email which had XXXX. I trusted TD Bank to protect me as their customer. As soon as I realized I got scammed ( in front of the rental that did not belong to them ), I called TD Bank to stop payment. They said they could not help me that it needed to post first. How could my bank let this happen to me. They are there to protect their customers. I guess it's not their money so they didn't care. We went to the police station right away to file a claim because now we don't have the money or a rental ( took us 5 hours to get there from where we live ). We had to scramble and try to find a rental which was not in our budget but we had no other option. Upon returning home, I called TD Bank and filed a claim. I was told that this would be taken care of and she apologized to me and said I would be credited back the money. She told me to get the police report and fax it to them. Two weeks later I was able to get the police report and faxed it to TD Bank. Three weeks go by and I still haven't heard anything. I called them today and they said there's nothing they can do. I told them it's their fault because I trusted their site and why would they have apps on their site that were not verified. They make me go through hoops when I'm out of town but yet they let anyone set up fake accounts and transfer money??? They are supposed to protect their customers but this is not the case. He rep told me to go to law enforcement and see what they can do for me. I already filed a claim with the MA police department as soon as this happened. This is ridiculous! I will no longer be doing business with TD Bank since they do not protect their customers from fraudulent transactions. That app should not be associated with their site at all if they can't verify the customers that use it.
Product: Debt collection

Dear Sirs ; I contacted Bull City about an alleged medical debt in XXXX of XXXX. I received a reply after XX/XX/21. I questioned the material that was sent to me. I was sent information that verified that a debt exited. I asked for validation of that debt. I asked for proof that the debt was mind. Something that tied me to this alleged debt. Since that time I have sent Bull City three letters asking for validation. I have not received a response. This should be very common stuff. I stated to them that if they could not validate this alleged debt, then it should be removed from my credit report. If they have more information that validated the alleged debt then send it to me I have not heard anything from them at all. NOTHING. i have mailed them three additional letters and have yet to receive a response. The information I did receive did not validate the debt. The one paper did show that a debt did exit but there wasn't validation that the debt was mine. Bull City has not replied to my letters. Again NOTHING. By law if debts can not be validated they must be removed. Bull City has not responded to my request. Nothing since XXXX.I don know if this is normal, but I don't think it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX I received an email from Chime saying : " Critical account notification from Chime. You are receiving this notification because our fraud department detected unusual money activity on your Chime account. Log in to your Chime account using the button below to Accept or Cancel this transaction. '' I clicked on the button and entered my username and password when prompted. I then received an email from Chime saying that there was a new login to my Chime Account at XXXX XXXX XXXX. 

At XXXX XXXX XXXX I received an email from Chime saying " You just sent {$1100.00} to XXXX. '' The notification said this person was located in XXXX, Arizona. I am in an entirely different state. I did not authorize this transaction. 

I immediately called Chime to report this fraudulent transaction. While I was on the phone with Chime I received 2 emails from Chime at XXXXXXXX XXXX XXXX saying that my money had been claimed by XXXX. 

Chime told me on the phone that they would open an investigation and that I needed to change my password on my account. A friend was helping me with this. I gave the Chime customer support people permission to speak with her over the phone. We tried to change the password but the person who did the fraudulent activity had already changed the password. We called Chime back for help changing the password. At XXXX XXXX  XXXX we received an email from Chime saying a dispute had been filed. While we were on the phone with Chime about changing the password, we received an email at XXXXXXXX XXXX saying that they had already closed the dispute and had not found an error. 

We immediately asked Chime why they had closed the investigation in less than 30 minutes. We were sent from department to department and they told us to send them all the documentation we had regarding the dispute which we did at XXXXXXXX XXXX XXXX. They then sent an email at XXXX XXXX XXXXXXXX saying that a rebuttal had been opened. However, when I called on XX/XX/XXXX to find out what progress had been made, I found that no rebuttal or new investigation had been made and the dispute was still closed. They then told me they would reopen the dispute. Today, XX/XX/XXXX, I received another email saying the dispute had once again been closed and that Chime found no error.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my Equifax Credit Report and noticed that I have a data breach from Equifax. I mailed in the police report, the affidavit of truth documents along with all the other documents way of certified mail. I called Equifax on XX/XX/2024, a Representative named XXXX told me that they have received all requested documents needed for the removal of all the disputed accounts because of the data breach. Equifax 's failure to comply with FCRA requirements to remove unauthorized hard inquiries is unacceptable. This is my final notice to get this situation rectified. As a victim of this data breach, I have the right under the FCRA Section 605B to have these hard inquiries removed immediately. According to the FCRA law, Equifax has 10 days to respond to this letter Failure to adhere to the FCRA laws will be subject to a civil lawsuit. 
Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

XXXX, an online bank for business checking, closed in XXXX. They have routed all questions to a single phone number ( no email, etc ) with BBVA. I need my historical statements so that my accountant can reconcile my old accounts. I have called BBVA multiple times and been told the paper statements would be expedited to my address. They have not. This is seriously holding me up as a business owner. BBVA has made no attempt to do anything other than the standard " mail paper statements '' process. I am being denied access to information about MY account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of equifax did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, XXXX XXXX, LEXISNEXIS, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a item from Amazon for {$200.00} and used my Amazon Store Card from Synchrony Bank. On XX/XX/2021 I returned the item back to Amazon and was given credit by Amazon, however when I looked at my online statement I noticed the credit was not applied to my card. So, I called Synchrony and asked them about the credit that was not showing on my account and they refused to apply the credit to my card because they said they have to hold on to it for 30-60 days. Then in addition to that they charged me interest on the monies that were credited. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to XXXX Bank the payment was reversed due to insufficient funds ( See attached screenshot from XXXX online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. XXXX Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have XXXX reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this XXXX Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to XXXX never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX reported auto loan on my consumer report XX/XX/year>. There was fraudulent activity from XXXX XXXX XXXX on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached 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, or hard inquiries as reported. The aforementioned accounts, collections, 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: Debt collection

I received a letter stating I owe a total or {$650.00} ( {$620.00} + {$25.00} returned check fee ) to XXXX # XXXX authorized on XXXX/XXXX/14 TRS Recovery Services , Inc.. I do not write checks at stores and this XXXX in question is located in XXXX. I live in XXXX and I have never been to XXXX. 

In order to dispute this " debt '' I have to send them all my bank account information per their website.