23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Since XXXX, there has been unauthorised transactions on my account. I reported the transactions the same day at the branch, and I was told that I needed to contact the merchant, which I did. The bank did not cancel my card when I reported the unauthorised transaction While I was waiting responses from the merchant, the fraudulent transactions continued to take place, and I continued to contact those merchant. 

It was in late XXXX when I tried to contact the bank, and I was promised that they will investigate the claims I have lodged. However, they never did look into the transactions and refused to dispute the unauthorised transactions without any evidence. 

My financial loss totals up to more than {$4000.00} dollars, and I did not receive a fair response. 

The regulation XXXX of the XXXX protects me from unauthorised transactions if I reported the transactions within 60 days. The bank has violated this law for its refusal to dispute the transaction despite these transaction being clearly fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the moment all I can say is that I know who ( which ) Nonprofit community organizations in XXXX XXXX Al XXXX help me with my HOMELESS ESG XXXX PANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK THOUSANDS OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS SOO MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, cuss and destroy distract destruct destruct. This has been going on since XXXX - XXXX ( {$550.00} Wkly at Red roof inn room # XXXX XXXX, XXXX  ( as my caseworker XXXX XXXX XXXX XXXX XXXX, XXXX  ) IN KAHOOTS WITH ARCH ( XXXX XXXX ).
Product: Mortgage

On my PNC Bank Home Equity Line of Credit Account Statement ending on XX/XX/2019, PNC incorrectly calculated my account balance by {$220.00} & has not corrected in in last two month statement even after I talked to them in early XXXX concerning this issue. My XX/XX/2019 balance was {$81000.00} & my XX/XX/2019 statement shows principal as {$210.00} with no other charges than interests but my loan balance went " UP '' to {$81000.00}. 

I demand to know why this happen & if this happen to other PNC customers. As I stated earlier my present statements still reflect the incorrect thief by PNC of {$220.00} plus any interest I being charged on this bogus thief.
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 consumer financial protection act ( CFPA ). Specially, 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent off letters to all 3 credit bureaus. I have yet to hear from any of them. It is a law for credit bureaus to respond in 30 days, they are in violation of my consumer law.
Product: Credit reporting or other personal consumer reports

I would like to express my profound disappointment and frustration regarding the continued presence of fraudulent items on my account despite several attempts to rectify the situation. Regrettably, I must inform you that I have recently made the eighth attempt to follow up on the removal of these fraudulent items, and yet, the problem persists unabated. 

Despite my persistent efforts to seek resolution, each attempt thus far has yielded no tangible results. This ongoing issue has not only caused me significant distress and inconvenience but has also eroded my confidence in your company 's ability to safeguard my financial interests. 

I demand immediate and decisive action to conduct a thorough investigation into these fraudulent transactions and ensure their swift removal from my account. Furthermore, I expect transparent communication regarding the steps being taken to prevent such occurrences in the future and to restore my trust in your company 's integrity. 

Moreover, I insist on receiving appropriate compensation for the considerable inconvenience, stress, and financial harm caused by these fraudulent activities and the repeated failure to resolve the issue satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXXavens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX, XXXX XXXX XXXX balance {$1100.00}.
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX back in XXXX via phone about wanting a full payment or arrangement immediately for {$1600.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, New York XXXX They let me know they had acquired my XXXX XXXX account, which I hadn't heard anything from anyone in years about, telling me they're going to start garnishing my wages if they don't get their money and arrange something. I never knew or gave permission for my information or account to be sold off. 

according to 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communications. In reporting to my consumer report, that's a form of communication and also I never knew or provided permissions.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX XXXX - Account # : XXXX - Balance : {$240.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$5100.00} Company Name : XXXX XXXX XXXXXXXX XXXX  XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX Balance : {$0.00} Company Name : XXXX XXXX - Account # : XXXX - XXXX XXXX {$2300.00} Company Name XXXX XXXX XXXX XXXX XXXX. - Account # : XXXX - Balance : {$610.00} Company Name XXXX XXXX XXXX Account # : XXXX - Balance : {$1000.00} Company Name : XXXX XXXX XXXX Account # : XXXX - Balance : {$1600.00} Company Name : XXXX XXXX XXXX XXXX - Account # : XXXX - Balance : {$5300.00}
Product: Credit reporting or other personal consumer reports

Complaint Regarding " Unscorable '' Credit Report Issue with Experian and XXXX Date : XX/XX/year> To Whom It May Concern, I am filing a formal complaint against both Experian and XXXX regarding an issue with my credit reports. My credit reports from these agencies indicate " UNSCORABLE, '' accompanied by the FICO logo. This information is inaccurate and has caused significant challenges for me.

I currently have multiple credit accounts that have been actively reporting for nearly six months. These accounts should provide sufficient data for generating a valid credit score. Despite this, my reports remain marked as " UNSCORABLE. '' Additionally, I have attempted to reach the customer service departments of both Experian and XXXX by phone to resolve this issue, but I have been unable to get through to a representative or receive any assistance. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and direct Experian and XXXX to review and correct the issue promptly. Accurate credit reporting is essential to my financial stability and ability to manage my credit responsibly. 

Thank you for your assistance. I have attached supporting documentation for your review.
Product: Credit reporting or other personal consumer reports

This is my multiple request to remove these inquiries of my credit report there is no action until, now. 

XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to inform you about incorrect inquiries listed on my XXXX, XXXX, and XXXX credit reports. I have no knowledge of ever doing business with this creditor. Therefore, I would like for the following inquiries to be removed from my credit reports. The dates are, XXXX/2018 and XXXX/2018.

ONEMAIN: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Mortgage

I have a mortgage that is being serviced by Bayview loan servicing. I am not late, or behind on payments, but every month they start calling about the payment. Today is X/X/2017. The payment is not considered late until after XX/XX/XXXX, and I mailed them a check last week, so it will get there way before XX/XX/XXXX. So far today they have called me 7 times from 3 different phone numbers, and it is only XXXX XXXX. They are harassing me, and I am sick of it. The calls start early in the morning, and continue throughout the day. They are acting like I am in default, and I am not. My payment has been made every month, but they do this to me every month, and I have been paying on this loan for over ten years. They really know how to XXXX XXXX a good customer. I would refinance, but the loan has very good terms. ( They did not originate it. They took it over from XXXX ) I want them to stop calling me like this, and I told them so. The calls only increased after that. These calls are causing me stress, and anger. I do n't think they should be able to call and harass me like this when I am not late on my payments to them.
Product: Checking or savings account

Wells Fargo stole money from my account for years as well as taking fraudulent fees. I've been waiting to be made whole ... Now, Wells Fargo executive " XXXX '' says I need to do the investigation, to provide her with info, about the crimes they committed. 
( Info that wells Fargo has ). The USA government ordered them to stop robbing their customers and pay them back.

They won't tell me what department to contact nor will they give a reason and summary of a recent fee reversal. Add though giving me a couple XXXX dollars unannounced or agreed upon, is my settlement, I have had absolutely no contract from wells Fargo, so I called them, a case number has been issued. 
I spoke with a awful woman who ... XXXX... turned crazy on out phone call ... and wouldn't answer my questions. 
*A RECORDED PHONE CALL*. 
I have tried so much to get them to do the right thing... I need help. They are trying to brow beat me into submission, I'm XXXX and can't take it anymore. I just want to be paid back nothing more, now less.
Product: Credit card

American Express sent an email on XX/XX/year> saying a periodic review was being placed on my account for a limit reduction unless a {$1000.00} payment was made by XX/XX/year>. When I called American Express on XX/XX/year> I spoke with multiple different agents over the XXXX minute phone call and none of them could give me any information about the periodic review as it is not on any Terms and Conditions or Police contract that I signed. The agents best advice was that there was nothing to do besides make the remaining payment or wait and see what the review came back with as they did not know any information until the review was done and then I could dispute the review if needed. I waited for the review to be done as I have never been late on or missed a payment, never paid only the minimum balance, and my credit score has been within the same bracket the entire time I have had the card. I then received an email on XX/XX/year> saying my credit limit was reduced from {$9700.00} to {$4400.00}, with their Notice of Change being this reduction was made due to my XXXX score. This reduction in limit also now has brought my credit utilization higher which will have more of an impact on my credit score. After trying to reach an agent I was finally able to contact XXXX on XX/XX/year> and they said to either make the remaining payment or have my account reviewed again as they do not have a dispute process. I am reluctant to make the payment as I do not see any guarantee that this will change my limit back or have any other effects.
Product: Mortgage

Applied for a mortgage pre-qualification with Redfin on XX/XX/XXXX. Was told I would be pre-approved in a few days. As of XX/XX/XXXX, no movement was made to approve uploaded documentation and pre-approve mortgage. XXXX XXXX has also not responded to inquiries since XX/XX/XXXX. We are concerned he is stealing our personal information since there was clearly no effort to approve application.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX, XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with DEPT OF EDUCATIONXXXX, XXXX, 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 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 those accounts 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. DEPT OF EDUCATIONXXXX, XXXX, XXXX XXXX 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: Debt collection

I closed and paid my balance in XXXX of XXXX with XXXX when I moved out of my apartment. But on XX/XX/XXXX, XXXX charged my checking {$220.00}. I called shortly after, filed a complaint that I was not made aware of a cancelation fee prior and that I was not responsible of these charges. On XX/XX/XXXX, XXXX refunded my money. Then XXXX of XXXX, XXXX sent my account that had a {$0.00} balance to collect for the {$220.00}, causing my credit score to drop XXXX points. I have attempted to contact XXXX and XXXX to remove the falsified account. Both companies closed my case without proper investigation. Please see bank statement attached XX/XX/XXXX showing charge on XX/XX/XXXX and refund on XX/XX/XXXX
Product: Credit card

XXXX Chase ( JP Morgan ) Chase FREEDOM Visa - They tried to open an account, and account was DENIED.
Product: Credit reporting or other personal consumer reports

I didn't authorized these accounts on my credit report. 

XXXX XXXX XXXX  Inquired on XX/XX/23 and XX/XX/23 I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please. 

Collection : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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. 

I demand the collections be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A new debt appeared on my credit report by a company Consumer Adjustment Co. I have never engage/approved any account type with this entity. I would like written/documented proof that I approved of this account with wet signature showing I own this account and need original documentation with wet signature showing this entity is the original owner of this debt. 
If proof can not be provided this debt must be removed from my credit report along with any negative entries stemming from this claim.
Product: Mortgage

Originally I took out a mortgage with XXXX XXXX. Shortly after closing my mortgage was sold to Mr. Cooper. I was told by XXXX XXXX  that they would provide payments to Mr. Cooper. I made payments to XXXX XXXX  which I thought would be forwarded to Mr. Cooper. Mr. Cooper did not receive the payments and put my mortgage into default. The payments were forwarded by XXXX to Mr. Cooper. on XX/XX/XXXX. I have provided Mr. Cooper the wire transfer evidence as well as my personal bank statements to prove payments were made by myself. They are refusing to take action on this matter within a reasonable time frame. Customer service will not take any action on this matter despite all the documentation I have provided. My account is still in default and credit action will be taken on my account if it is not resolved. I would like account to be updated to reflect the payments I have made, as well as my mortgage to be taken out of default. 


XXXX XXXX  closing date : XX/XX/year> MR. Cooper purchases mortgage on XX/XX/year> First payment Due XX/XX/XXXX ( Payment of XXXX made XX/XX/XXXX ) Second Payment Due XX/XX/XXXX ( payment of XXXX made XX/XX/XXXX ) XXXX  transfer account balance to Mr. Cooper of XXXX on XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate the FCRA USC 1681 and 623 ( a ) ( XXXX ) ( A ). The FCRA is clear if an account is not reporting 100 % accurate or contains missing or outdated information, it therefore must be DELETED. Equifax continues to report incorrect information on the following account and refuses to DELETE this erroneous account as they are required by the FCRA. Account Name : XXXX BANK XXXX XXXX  Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allyauto does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called Ally to ask why it is not reported and did not get any clear explanations.