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

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late closed XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has several violations that Ive notified them of via certified mail, fax, and CFPB portal. All efforts to rectify the situation have gone unanswered and EQUIFAX is now in violation of the FCRA due to willful negligence! Ive recently sent in an affidavit notifying them of the several violations and and EQUIFAX is civilly liable due to the ongoing negligence. EQUIFAX has also been notified of all the inquiries that need to be removed and EQUIFAX refuses to remove them even though theyve been provided with the necessary documents to do so. EQUIFAX is in clear violation of my consumer rights and this is irresponsible for them to continue with improperly reporting information on my consumer file.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XX/XX/XXXX {$0.00} US Department of EDU XX/XX/XXXX {$4200.00} US Department of EDU XX/XX/XXXX {$1800.00} These credit accounts are the results of identity theft and fraud.
Product: Debt collection

This item from my credit report was illegal reported information on my credit report without my permission and according to FCRA section XXXX
Product: Debt collection

Made my monthly payment on XX/XX/2019. They change the account number without notifying me. Now rhe payment is still missing, it has been two months and the company still asking me for the payment and charging late fee charges to the account. 

First account XXXX XXXX XXXX XXXX Second account ( account number changed by the company ) XXXX XXXX XXXX XXXX My payment was credited to the first account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to the previous Complaints I submitted requesting that the Credit Bureaus correct the information being reported on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. I am confident that the information being reported by Credit Bureau are inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed several inquiries that were inaccurately being reported. I have previously requested removal of these inquiries and have yet received a resolve or response. This is a direct violations of several consumer laws.
Product: Credit reporting or other personal consumer reports

Recently, I did investigation on my credit report and found several items on there to be inaccurate. Under 15 u.s. code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a customer report, it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates. 15 u.s. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information dispute by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from file of consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX THIS IS A FOLLOW UP COMPLAINT TO COMPLAINT NUMBER XXXX. AS DOCUMENTED IN THE XX/XX/2019 LETTER SENT BY XXXX XXXX, OFFICE OF CUSTOMER ADVOCACY, I WAS DUE TO GET A CHECK IN THE AMOUNT OF {$10.00}. I DID NOT GET THE CHECK. I CONTACTED MISS XXXX 'S OFFICES TO CONFIRM THE STATUS OF THE CHECK. I DID NOT GET A RESPONSE.I WANT TO VERIFY THE STATUS OF THE CHECK. IF IT DID NOT PROCESS, I WANT THE CHECK RE-SENT.
Product: Debt collection

Cavalry portfolio services , LLC, has failed to provide any supportive documentation according to ; the Florida standard jury instructions of the state oXXXX XXXX XXXX XXXX XXXX XXXX  of such debt. There is two accounts currently reporting on my credit report that I do not recognize. An FTC has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter disputing incorrect information to TransUnion and XXXX on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from the credit bureaus.
Product: Credit reporting or other personal consumer reports

Self has neglected to fulfill the resolution outlined by one of its representatives during my inquiry about my previous account. Despite being provided with specific steps for resolution and subsequent actions, Self has not followed through. I urge a review of the recorded call, as I possess evidence of the conversation and am prepared to pursue legal action if necessary. Two months ago, a representative assured me that upon settling the old account, I could register for a new account, leading to the removal of the old account from my credit report. However, Self has failed to honor this commitment. Despite presenting itself as a credit-worthy company dedicated to assisting those with lower credit scores and aspirations, Self 's actions contradict its mission, causing more harm than good. The persistence of this account as a negative derogatory entry is impeding my personal goals and subjecting me to unwarranted suppression. Additionally, it raises concerns about the credit laws that may inadvertently support such suppression and unfairness perpetuated by credit furnishers like Self.
Product: Mortgage

I have a previous complaint about this company for the reason that they would not give me a payout amount. After lodging the complaint I called back and notified them that I had lodged a complaint with you against them. At that time they became very helpful and gave me a payout. Unfortunately they added an extra {$170.00} that they describe as interest. They are accruing the interest to XXXX. I made a wire transfer on XXXX, and payed the loan in full. The company specialize loan servicing just got the loan on XXXX. They have only had the loan 3 weeks. The interest per month is about {$45.00}. How did they get to the dollar amount of {$170.00}. I should not have damages or penalties due to them taking over my mortgage. Please help. Thankyou XXXX XXXX.
Product: Credit card

On XXXX My mailed payment was received at american XXXXpress> Butr, once again my payment for XXXX was credited for XXXX instead of XXXX. Now, american express want me to make another payment for XXXX, which I already paid, I make my payments, as a XXXX  person, on the first of every month. I can not continue to make XXXX payments every month, instead of the normal XXXX payment a month. Nothing I do, seems to work with american express, The last time I contacted you about this problem, you were unable to do anything about this problem. If Iam wasting my time submitting this report, because you can not do anything about this recurring problem, please inform me and I will stop submitting a report.
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 timely, and effective measures to prevent an 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 these actions have caused significant inconvenience and financial loss and I seek appropriate reddress for these violations.
Product: Checking or savings account

XXXX an account ending in XXXX was opened online without my consent and a deposit of federal funds in XXXX was deposited and depleted and the bank let this happen stating false information that doesn't add up to the amounts thru XXXX different withdrawals not equaling the deposit XXXX and XXXX were atm withdrawals. Leaving XXXX. I never recieved a atm card do this transaction after several attempts of calling and visiting the bank branch they closed my case. I filed and filled out paper work with the treasury dept as well as spoke to them and they did say fraud was a factor but wells fargo refuses to give me my XXXX back after knowing. I've made a police report about my identity and spoke with a representative whom said that was all I needed to retrieve my funds but wells fargo is dining me and shouting me down with poor excuses because they were wrong in doing this online and not collecting proper ID and holding information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 and XX/XX/22 security finance is showing inquiries which I did not consent to. I have loan with them but did not apply with them again so there should not be any inquiries with that company.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate account with Spring Oaks Capital ( Account Number : XXXX and XXXX ) on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) Section 611, they were required to provide verification of the debt within 30 days ( by XX/XX/year> ). 

As of today, they have not responded, making this account unverifiable and inaccurate. Their failure to validate the debt means it should not be reported on my credit file. 

Despite their lack of response, the account remains on my credit reports with XXXX and XXXX, which violates my consumer rights under federal law. 

I am requesting the immediate removal of this account from my credit reports and that Spring Oaks Capital provide written confirmation of its deletion.
Product: Checking or savings account

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XXXX I spoke with a unknown woman from Citizens Bank. She stated that my Business checking account with " ALL AT ONCE XXXX XXXX XXXX " was on hold because my business address didn't match, she also stated that my license number didn't go to anyone, she questioned me about why i get my license in XXXX of XXXX. She also stated my ssn wasn't registered to a person. This unknown woman stated once I went to the bank to fix errors she would release my funds. Once i went to the bank I filled out a w-9 form, I gave the banker a copy of my drivers license and ssc. The banker brought to my attention that the first 3 numbers were different in the system than what was showing on my ssc ( updated ) Human error. Also he ran my drivers license number and it came back valid. I don't understand why this unknown woman lied and said my license weren't valid. I contacted the unknown woman back. The text messages are attached. Please look at attchments. This woman lied to me she did'nt release my funds like she told me she would. I've been trying to reach out to unknown woman she will not return my phone calls or text messages now. I sent this person personal information via text message I'm not even sure if this is legit at this point. All I want to know is wny my account on hold and why am i being investigated. I feel this is XXXX profile for the fact this unknown person stated she doesnt understand my bank activity. ( This is my bank account therefore my banking activity has nothing to do with anyone as long as i'm not commiting fraud. ) My company did a background check on the XXXX cell phone XXXX. The background check shows a XXXX XXXX or XXXX XXXX as the owner. Email address XXXX Fraud XXXX XXXX On XXXX I left a message with XXXX XXXX via her voicemail. I called the number on the letter she updated on the cfpb website. I have not yet got a return phone call. I still have not got an update about my account. I have no idea what is going on. I went to the branch but no one is giving me answers. 

i called XXXX XXXX today which is XX/XX/XXXX still no answer.
Product: Checking or savings account

On XX/XX/XXXX I was attempting to make a purchase from XXXX XXXX. I did not know that the website I was using was a scam and fraudulent. I found out after the fact. While placing the order I was signed up for their " rewards club '' ... I set it up using my email and a password. My mistake was that I used the same password that I use for my XXXX. I wanted to call the company about the order and was not able to find any valid contact info. Every email I sent was returned with a message saying it was not a valid email. There was not a good number and when I called the legit XXXX 's I was told about the scam. I XXXX it and got a hit instantly that the website was a scam and was not affiliated with XXXX 's at all. When I disputed this transaction with the bank, they would not help me and asked me to contact the company ( Really??? ) and have them give me something in writing that they were not going to refund my money. # 1 I have no contact info. # 2 It is a scam! I did file a dispute and called Regions. The first girl I spoke with I explained to her that I thought I was on XXXX 's website. They used deception to gain access to my account information. My account had been compromised. The girl did not close my account. She did not turn off that card. Fast forward to XX/XX/2023 and I get 2 more charges on my account from 2 XXXX charges. So now I have the {$49.00} charge from the fake XXXX XXXX on XX/XX/2023, which got me a {$36.00} overdraft fee ... .then a {$96.00} XXXX charge on XX/XX/2023 and another XXXX for {$58.00} and a {$100.00} overdraft fee for those charges!!!! I call Regions, speak to a lady in the fraud department. The logic is pathetic behind why my claim was denied. First off, she tells me it is not fraud because I provided my info. Second of all ... .I never gave XXXX my card info to begin with!!! I tell her the definition of fraud includes using deceptive means to access my account for theft. That is exactly what they did. They deceived me for financial gain. She tells me to send a confirmation email from the merchant. I say ok, because at that time I knew I got a comfirmation from the merchant when it all happened. I log into my XXXX, and my XXXX was completely wiped out. I had absolutely no email. None. I knew that my email had be compromised too because I had over XXXX emails the week before when I logged in. I had emails from my son who had passed away that I kept for myself. Pictures of my son ... Those are now gone. I was livid. I changed my password on all my accounts because I do not know the extent of what they have compromised. The lady at Regions defended the first girl saying that I did not request the account closed. I voluntarily gave the merchant my info, so there was no fraud. I disagree. I want my money back. I want the late fees taken off. I should not have to fight to have my account protected.
Product: Credit card

Subject : Dispute of Charges from " XXXX '' and " XXXX '' on Account [ chase business credit card ) Dear consumer finance I am writing to formally dispute several charges appearing on my credit card statements over the past two years. These charges are attributed to " XXXX '' and " XXXX ( previous name they use and chargers dating back XXXX ), '' and I believe they were made fraudulently or under deceptive practices. 


Upon reviewing my statements, I have noticed multiple charges labeled as " XXXX '' and " XXXX '' for significant amounts, purportedly for online purchases. However, I have not received any products or services corresponding to these charges. It is evident that these transactions were made through an intermediary, " XXXX, '' which processed the payments, but the ultimate vendors or service providers failed to deliver as promised and i believe they are aware of the fraud, sadly has been over the the credit card period to dispute this fraud, also my credit card number got changed because i was victim of fraud but it is the same account before was XXXX now is XXXX last 4 I want to emphasize that I have diligently followed up with the companies involved in these transactions, but to no avail. Despite my attempts, I have been unable to resolve the matter directly with them. This situation has caused undue stress and inconvenience, not to mention the financial burden of paying for goods and services that were never received. 

I am requesting your assistance in investigating these charges and facilitating their removal from my account. Given the circumstances surrounding these transactions, I firmly believe they are unauthorized or fraudulent. I have enclosed copies of the relevant statements highlighting the disputed charges for your reference. 

Furthermore, I kindly request that you review the payment history associated with " XXXX '' and " XXXX  '' on my account for the past two-three years to identify any additional questionable transactions. Any support you can provide in rectifying this matter and preventing future occurrences would be greatly appreciated. 

Please inform me of the steps required to initiate the dispute process formally and any further documentation or information you may need from my end to expedite the resolution. I look forward to your prompt attention to this matter and a favorable outcome. 

Thank you for your understanding and cooperation.
Product: Debt collection

I have been contacted to pay {$7500.00} for rent I do not owe by RentDebt Automated Collections LLC. The debt collector is acting on behalf of a former landlord of mine. I was released by the landlord from my month to month lease on XXXX XXXX, 2014 having paid all monies owed.
Product: Credit reporting or other personal consumer reports

This is extremely frustrating and stressing me out, I have been trying to fix errors on my credit report for some time now YET you fail to notify me of the disputed information resulting in missed opportunities, this is a blatant violation of my rights as a consumer which is very insulting. This is already deleted by both XXXX and XXXX yet you continue to put this false, incorrect and inaccurate information on my credit.
Product: Checking or savings account

On XX/XX/XXXX.I received a letter from Chase informing me that my safe deposit box was closed.I had NOT closed that box.When I called the next day, I was told that the box had been drilled on XX/XX/XXXX.The explanation I received was that the auditors were trying to update info on the secondary signer of the box.I was never contacted re : this issue.I did ask why, as the primary signer, I was not contacted, I got no satisfactory explanation.I was never contacted to remove the contents of the box.When I did ask about the disposition of the contents, I was asked if I wanted the contents.That seemed like an odd question to me.I would think I should've been notified of this entire situation.I did receive the contents, on XX/XX/XXXX.All contents were accounted for.I still want to know how my safe deposit box could've been drilled without notice to me, and since the box was drilled on XX/XX/XXXX, why the check for renewal of the box was accepted by Chase.I did receive reimbursement for the rental with the original I am not looking for anything but a reasonable answer to this situation
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : RESIDENT VERIFY XX/XX/XXXXXXXX  Experian XXXXXXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was originally through XXXX XXXX and then was bought out by XXXX XXXX XXXX. I was going through a divorce and foreclosure papers where served. I had sold the home before a court date was even set on XX/XX/XXXX. 

XXXX XXXX  continue to send FS ( foreclosure Proceeding Stated ) remarks to Experian XXXX months after I sold the home and MOST recently, left a FS remark on XX/XX/XXXX after the home was sold in XX/XX/XXXX. I tried to dispute this thru Experian multiple times even including my XXXX XXXX XXXX XXXX proof of sale. XXXX XXXX continuous to not answer any of my questions after telling me this is a " closed account ''. 

My home buying chances are in danger while XXXX XXXX XXXX continuous to leave negative credit inquires. Experian disputing is no help to me neither ...... 

HELP!