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

I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action. 

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

I am rewriting to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Money transfer, virtual currency, or money service

I recently rolled over my XXXX XXXX with Merrill Lynch to XXXX. Merrill Lynch assessed a {$49.00} fee when they sent the money to XXXX. The account was about {$2000.00}. That's XXXX XXXX! That's a ridiculous amount of money for something that literally costs Merrill pennies to complete.
Product: Mortgage

We are requesting that the Consumer Finance Protection Bureau assist us in resolving a dispute with Ocwen Loan Servicing. Ocwen has unilaterally altered the terms of the mortgage note we executed in XXXX XXXX. Our efforts to resolve the matter amicably with Owen have been unsuccessful and we are therefore seeking your intervention. We have attached a letter detailing our issues along with.a copy of our mortgage note dated XXXX XXXX, XXXX, as well as the following : XXXX XXXX a copy of a letter we received from Ocwen Loan Servicing, dated XXXX XXXX, XXXX, after we requested Ocwen to correct an error concerning how our loan is to be repaid. Ocwen had recently taken over servicing of this note. 
XXXX XXXX a recent Ocwen notice dated XXXX XXXX, XXXX, a year later, which again does not accurately reflect the terms of the note.
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 timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. 
On XX/XX/XXXX, I received an email from ticket master stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 
Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXX XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have. 

XX/XX/XXXX I filed a complaint against Wells Fargo to the Consumer Financial Protection Bureau. I was then contacted by the Consumer Financial Protection Bureau ( CFPB ) that the complaint was received by Wells Fargo. On XX/XX/XXXX, I received an email and later that week a letter from Wells Fargo stating they are looking into my case and the letter was signed by XXXX XXXX I was also then sent a letter stating that I was going to receive temporary credit, which I did. 

On XX/XX/XXXX, I received a letter stating that they found there was an error that occurred for my tickets because they had me change my debit card, and they said that the remaining credit that was money back from insurance for the tickets was final and to remain in my account and that my case is now considered closed. 

XX/XX/XXXX, a letter to me from Wells Fargo states that they are researching my case again.
Product: Checking or savings account

XXXX XXXX  XXXX Capitol one XXXX  XXXX  XXXX XXXX are all reporting me to XXXX XXXX I never had a bank account with these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
5 XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debit was sold to a credit company and they have been sending me threatening phone calls account is closed
Product: Credit reporting or other personal consumer reports

There is an account from XXXX XXXX on my credit report that I have no knowledge of. Equifax keeps saying the account is verified. Well in addition to that this account is older than seven years old which is a violation of 15 U.S.C. 1681c ( a ) and they won't deleted and the status of this is listed as a charge off but it is also still showing a balance which is a violation under 15 U.S.C. 1681e ( b ). This account is in so many violations that it needs to be removed immediately or I will be seeking damages
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 

The accounts are : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion It took over four years to get several addresses that were never mine from my profile, even after I provided fraud reports. 
I asked for reporting procedures for reinvestigation on incorrect listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Public record. XXXX said it was verfied through XXXX XXXX. XXXX XXXX does not have this info! They will not reinvestigate, they will not delete any inaccurate information I was even told they will not reinvestigate because they investigated already. 
They have been harming my credit for years preventing me from purchasing property and getting loans and credit
Product: Credit reporting

Hello, this is XXXX XXXX XXXX XXXX again and I am submitting this complaint against Experian over their frivolous attempt at an investigation at my expense. They are tarnishing my creditability and my good credit by allowing a false riddled account with incomplete and incorrect information to appear on my credit file under XXXX XXXX XXXX account # XXXX ... This account is under another persons name at my business address and it does not belong to me personally and it is affecting every aspect of my financial stability. 

I work for XXXX XXXX XXXX, in the XXXX XXXX offices and I will pursue strict litigation against Experian for false reporting and responding to my initial dispute through the CFPB portal with absolutely ZERO investigative results, evidence and facts! They have not responded to my complain AT ALL though this portal. They have submitted generic and cookie cutter responses to me through this portal that make absolutely no sense. Their has been ZERO validation or investigation with XXXX XXXX XXXX on my account and they have not even verified the addresses that are displayed on this inaccurate account versus the addressed that appear legally join my credit report. 

This account is inaccurate and illegally reporting to my credit report and the investigation I received was UNLAWFUL, INSUFFICIENT and a SHAM! I have no idea what investigation was conducted, there has been ZERO proof, ZERO documentation verified and provided and NO forwarding of my documents to they furnishers illegally reporting to my credit file. This violates FCRA law, this investigation was absolutely half assed and completely unacceptable. If this item is not removed within the next week I will be sending letters for Experian to cease and desist any and all activity upon my account under FCRA law and appear in court regarding this sham of an investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This complaint is against American Honda Finance. I have paid this office on time and they reported me late in XX/XX/XXXX and XX/XX/XXXX. I have sent numerous requests for them to correct his but it still have not been resolved. I would like the late payments removed off my account and my credit file. That is it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We opened an equity line ( originally XXXX -- later sold to Bank of America ) on our second home in XXXX. We paid via automatic payments before the due date each month for over 10 years. In XXXX XXXX, we received a notice indicating the payment was late. We made payment immediately and then learned that BOA cancelled our automatic payment without letting us know. We then learned the loan matured and BOA offered a modification. No payments have ever been late except the XXXX payment in which BOA cancelled the auto payment. That payment was 24 or 25 days late. Our credit score was XXXX in XXXX XXXX. BOA has reported false nonpayment information the entire year of XXXX and we are unable to obtain favorable interest rates to refinance another loan due to our credit score decreasing over XXXX points due to BOA 's reporting nonpayment. We have paid a total of {$100000.00} during XXXX BEFORE each monthly due date which included several principal only payments and all other payments as agreed to BOA modification and as per instruction from " case manager '' XXXX XXXX at BOA. NO PAYMENTS WERE LATE. BOA had us sign a modification early in the year. We sent it back and thought everything was done. We made the agreed-upon monthly modification payments of {$810.00}. In XXXX, we learned our credit score had tanked. We obtained credit report and saw BOA was reporting incorrect information. We contacted BOA and they said they made a " wording '' mistake in the modification agreement and would need to reissue it. BOA reissued it XXXX modification agreements and they have XXXX had incorrect amounts included in the documents. The latest modification agreement numbers owing were overstated by approximately {$14000.00}. I have spent hours/days on the phone with BOA representatives with no success in obtaining correct numbers or even how they determined the " capitalization '' costs, etc. They mailed the latest modification agreement on XXXX XXXX, XXXX. It stated to return no later than XXXX XXXX, XXXX. We received the package in the mail on XXXX XXXX, XXXX, the day after it is due. As mentioned, the principal balance plus capitalization costs in the modification agreement is overstated by {$13000.00}. I have been unsuccessful in getting BOA to provide details for the incorrect principal balance they say we owe. My credit score is ruined despite the fact that we have made all payments as we were told by BOA. BOA representatives tell me a manager will call me at a certain time the next day and no one calls. This happens repeatedly. I am unable to reach my case manager. On XXXX BOA called me. I was on the phone over 2 hours. OVER 2 HOURS. This was not a scheduled call and I had to completely rearrange my day due to this unexpected call. Even after over 2 hours, NO RESOLVE and another case of being told someone would call me and they have not as of today XXXX XXXX, XXXX at XXXX. Despite kind representatives ( most of them, not all ), no one is competent enough to provide the numbers or detail of numbers included in a legal document I 'm told to sign..which obligates us to overstated amount of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account must be repaired XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I have submit a dispute to the credit bureau, for this medical billXXXX XXXX XXXX XXXX keeps being reported on my credit over an over every month. Submitted dispute threw credit karma to all three credit agency. No action has been taken. I can not pay the bill for XXXX dollars plz help me Remove this permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXXXXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX Balance : {$1100.00} XXXXXXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo which began in XXXX of XXXX. I didnt really notice much until this month when I went to pay my weekly bill ( I budget and have been trying to pay weekly to cut down the daily interest so more goes towards my principal. ) It is currently XX/XX/XXXX and my next due date is not until XX/XX/XXXX. When I logged in today to put in my weekly payment I saw my next due date is XX/XX/XXXX with a payment of {$580.00}. My monthly payment is around {$550.00} XXXX a few dollars so I was surprised to a see a higher amount due when I have been paying in advance for most of the loan. I checked my statements and dont see where the extra money is being added from. The app just says past due amount {$42.00} but Im not sure where that came from since Ive never been late and have been paying in advance!

Also, when I see my payments, the breakdown of amounts that go to interest vs principal are always different. The dates are also different from when I submit them to when they are posted. It seems they count only business days ( as I pay weekly, its ever 7 days but the dates on the app for payments show a 5 day difference when I was consistently paying weekly ). Some weeks I dont pay every 7 days but the times I have, the numbers still dont add up.

Theres never a correct breakdown and I just dont know where my money is going or why i have unknown and inaccurate fees!

I just found out Wells Fargo is notorious for mishandling auto loans and not billing correctly which is why Im reporting this. Please help!