23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) All so they have continued unlawful practices after The CFPB Ordered they to pay a XXXX XXXX lawsuit 'See Here XXXX XXXX XXXX //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-unionXXXX XXXXXXXX Misrepresented credit consequences of falling behind on a loan Illegally froze members access to their accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because the following items have been deleted from only one credit reporting agency but still appear on others and from my understanding if a account is deleted from one CPA the others shall follow suit and remove as well XXXX. XXXX # XXXX XXXX XXXX  # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX RE : Account Number XXXX XX/XX/XXXX To Whomsoever it May Concern : Thank you for taking time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a paid closed account reported on XX/XX/XXXX for my XXXX XXXX XXXX XXXX  account. 

I have been an customer of XXXX since XXXX of XXXX, and I am contacting you to see if you be willing to make an " Good will '' adjustment to my Experian, XXXX, and XXXX report. I had only one late payment in XX/XX/XXXX due to losing my job during XXXX XXXX. I have always been an excepional customer, and this negative inquiry is making it hard for me to get financing for a new home. I would like for you to consider deleting the negative inquiry from my credit report. I have been a happy customer in the past and hope I can continue that relationship with XXXX XXXX. 

Kind Regards, : )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion to validate and remove these accounts from my credit report on XX/XX/19 and again on XXXX or XX/XX/19. 
*XXXX XXXX {$2600.00} *XXXX XXXX   {$550.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$260.00} I do not have accounts with these companies and have asked that they stop reporting on my credit file my name is XXXX XXXX XXXX. 
These accounts belong to a XXXX XXXX. I have asked for validation/provide documentation/applications with my name XXXX XXXX on these accounts and these companies can not and have not done this. TransUnion is linking this person to my social security number and name likeness. 
These are fraudulent accounts using my social security number and someone else last name reporting on my credit report.
Product: Mortgage

I recently found out that I had been denied for a loan modification when the denial letter dated XXXX XXXX, 2015 arrived at my home on XXXX XXXX, 2015. Moreover, I have a foreclosure sale date for XXXX XXXX, 2015, therefore, Wells Fargo was not honest when they told me while I was being reviewed for a loan modification the foreclosure sale date would be remove, only 1 day after the 30 day period I had time to dispute I am facing foreclosure sale date. This leads me to believe they merely postponement and did not remove has they said they would. However, a new package was submitted to Wells Fargo Bank to review, in addition, in the month of XXXX 2015 I was provided with XXXX points of contact only one responded to me XXXX XXXX XXXX who instructed me to call the Foreclosure Attorney who works for Wells Fargo and not the other way around. 
I
Product: Credit reporting or other personal consumer reports

This is about the inaccuracy this is inequitably furnished by your organization on my consumer report. You company is continuing to furnish this inaccurate account on my report. It is not assuring maximum possible accuracy. I have disputed this account several times with your company and you are continuing to furnish this inaccurate account. You are in violation of many of my FCRA rights. I demand that you delete this account from consumer report as you have been notified many times that this account is inaccurate and have not conducted a reasonable reinvestigation to assure this account is reporting accurate. You have caused severe damage to my reputation and borrowing power as a consumer. I will be taking LEGAL ACTION as XXXX has violated several of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX want to file a complaint against Experian. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this Experian they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate. XXXX XXXX XXXX  Credit Card Child Support Enforcement XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX
Product: Credit card or prepaid card

My account was several months past due to a injury and I was supposed to be a on a payment plan with chase credit card however with no money coming in they claim they couldnt make a payment for XXXX $ even though the money was in my account even though they made a XXXX payment without the money in the account. theyre saying it wasnt possible to process the XXXX $ and I need to appeal. There is a phone call and my bank statements to show what Im saying.
Product: Mortgage

Ive been receiving assistance every month with the state of XXXX  haf dept for Mortgage payments and for the month of XXXX I havent received a payment my case number is XXXX Ive been calling the XXXX number and all they are saying the payment has been sent and XX/XX/XXXX and XXXX XXXX havent received anything for the month of XXXX! XXXX XXXX my name XXXX
Product: Credit reporting

Dear Equifax credit reporting, Hi Rep this is XXXX XXXX the following account was deleted from my credit files due to Identity theft/Fraud. You guys are over 60 days late deleting. the Companies has deleted these XXXX following accounts over 69 days ago. can you please follow through and Delete these XXXX accounts. They have already been investigated along with Affidavits sign. I have also received a letter from One company saying they submitted it for deletion and you guys are still the last to remove. 
I know you guys are very busy I have written 2 letter to you guys but no response. The accounts to be deleted is 1. XXXX XXXX {$780.00} 2. XXXX They have been removed from my other credit reporting burials. Thank you very much for all your help.
Product: Debt collection

I received a letter in the mail dated XX/XX/21 from a collection agency, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ with the following information : CREDITOR : M & T BANK FEES : {$50.00} TOTAL BALANCE : XXXX CHARGE OFF DATE : XX/XX/2021 it stated the above referenced creditor has placed your account with our office for collection, blah, blah blah. I am appalled, M & T Bank has been my bank for years and I had my mortgage, checking, line of credit, visa card, etc. with them and never late, never missed a payment, paid early, everything right and they send a collections letter for {$51.00}!!!! 

I contacted the branch office in XXXX, NJ around XXXX Monday morning and got a representative named XXXX that said she would research this and get back to me, and she did at XXXX. XXXX asked if I wrote in to cancel the account, I told her that I did not recall writing in to cancel when I paid off my mortgage and paid off my line of credit, my Visa card is still open with a XXXX card balance. XXXX then said there was nothing she could do for me because the bank did nothing wrong, the charge was a service charge because the checking account was attached to the line of credit and needed to maintain a certain balance to be service fee free, of which I was not made aware of at the time, I even forgot about and if I was told this was all during COVID time and told her I would have asked to close all accounts. XXXX said I would have been told that the checking I would need to come in or write in and have the letter notarized although the other accounts were closed on-line, not their fault so a service charge was added and I needed to pay it. 

XXXX said she would " Bubble it up! '' and pass it along, not sure what that meant but I told her I would pass this complaint on myself and she said. " okay, that's fine '', I said even after I've been an exemplary customer, spent thousands of dollars with M & T, never late and this would mess with my credit you just wan to say, you will " Bubble it up! '' What does this mean? I said I will just complain to the CFPB, she did not care and we hung up. t 's sad when a bank doesn't care about a thousands of dollars customer and will send them to collections for {$50.00} and mess with their credit even during COVID times. What have we come to and it's fees for something that I don't even own or did not make for myself, they added the fee!
Product: Debt collection

They sent my dad a text message this morning with my alleged collection information. My dad has a brand new phone number he got last month. I told them to not call me again and now they're harassing my family too. They can't confirm what debt I have either.
Product: Credit reporting or other personal consumer reports

These accounts are not mine and for a long time I have wanted them to be removed from my credit. It is something that has hurt me for a long time. 


Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There were 3 charges on my CapitalOne/Walmart Mastercard that I did not make nor did I authorize anyone to make.The dates of said charges XXXX, XX/XX/XXXX and XX/XX/XXXX, the amounts were exactly the same on each charge, that being {$300.00}, for a total of {$910.00}. I notified XXXX XXXX, within 24hrs, via phone, once i observed these charges. Each time I was advised that they would investigate and advise and it could take up to 90 days to complete the investigation. I was given a reference number of XXXX which refers to the store the charges were made at, which turnes out to be Walmart in XXXX, Oregon. Also, one of the customer service people told me it also refers to what was purchased, which he said were tennis rackets from XXXX XXXX, Qatari phone # XXXX. Eventually, I filed a police report with XXXX XXXX XXXX XXXX, Deputy XXXX XXXX XXXX XXXX. He advised that due to this being international ( XXXX  ) they were unable to investigate and suggested I contact CFPB, this occurred on XX/XX/XXXX. 
On XX/XX/XXXX, at XXXX, I again contacted CapitalOne fraud department asking what the outcome of the investigation was. I spoke with XXXX who transferred me to XXXX at XXXX. She stated she would open a new case, I was to destroy my current M/C and a new one would be sent and a credit would be issued for the {$910.00}. Case # XXXX was assigned by XXXX. Within an hour I received 3 emails from CapitalOne, ( all three are attached to this complaint, in addition a second page of each email included the XXXX unauthorized charges and merchant name ) On XX/XX/XXXX at XXXX I once again contacted CapitalOne asking why the fraudulent charges had not yet been credited to my account and spoke with XXXX XXXX who would transfer me to XXXX XXXX XXXX, she then transferred me to XXXX XXXX XXXX XXXX who transferred me to XXXX. I was advised by XXXX that the charges were valid and no credit would be issued! I asked why, then, had I also received an email stating the charges were fraudulent and I would be issued the credit. She couldnt answer that question and put me on hold. I waited 45 minutes on the phone then disconnected. 
Please help me as Im XXXX yrs old and live on a fixed income, this event has me devastated and fearful I will be cheated out of {$900.00} I dont have. 
Thank you
Product: Debt collection

A CALLER THAT SHOWS UP ON CALLER ID AS " LOANCARE SERVICES '' REPETITIVELY CALLS THE ECLECTIC POLICE DEPARTMENT. THERE IS NO ONE ON THE LINE JUST A RECORDING THAT STATES " PLEASE RETURN OUR CALL AT XXXX. TODAY ( XX/XX/2019 ) THEY HAVE ONCE AGAIN CALLED 3 TIMES. I HAVE CALLED MULTIPLE TIMES AND ASKED FOR THEM TO REMOVE THIS NUMBER. I HAVE NO CLUE WHO THE DEBT BELONGS TO BUT THEY WILL NOT REMOVE OUR NUMBER WITHOUT THE PERSON WHO OWES THE DEBT CALLING TO REMOVE IT. THIS IS XXXX! THEY ARE TYING UP AN IMPORTANT PHONE LINE!!!
Product: Credit card or prepaid card

XX/XX/01 an credit card was applied for using my personal information through XXXX XXXXXXXX XXXX for XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo continues to hold me responsible for fraudulent charges on my credit card ending in XXXX. The charges totaled {$720.00} and I am a XXXX XXXX XXXX who can not afford to pay for purchases I did not make. I nor anyone else in known to me made these charges. 

Federal law limits my responsibility for unauthorized charges to {$50.00} and I have already reported identity theft. Wells Fargo is using unethical practices by trying to hold me responsible for the total amount of the charges. In fact, I have already had to make the minimum payment due on the account balance which is equal to the fraudulent charges of XXXX.
Product: Credit card or prepaid card

I disputed a charge of XXXX USD of XXXX to Chase because " overcharged for something you did purchase with the card ''. The stated price is " XXXX '' in my confirmation email and the website of XXXX. Chase completely disregard the evidences ( the attachments XXXX, XXXX, XXXX, XXXX, XXXX, Signature.pdf, Summary.pdf ) I provide to them proving that the stated price is " Free '', and replied with " You disputed the charge ( s ) because you believe the mechart didn't provide the services you purchased. Based on the information available, we found that you received the services ''. 

I don't believe Chase can not distinguish between " overcharged for something you did purchase with the card '' and " the mechart didn't provide the services you purchased ''. If I still can not resolve the issue at this CFPB stage, I have no other choice but to continue to go to the small claims court to seek justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has divulged my information to hackers through their poor security. I used their website to verify whether or not my information may or may not have been compromised. The results of the investigation is that my personal information may impacted.
DATE : XX/XX/2017
Product: Money transfer, virtual currency, or money service

A friend of mine made XXXX payments to me on Venmo over the Summer : {$20.00} on XX/XX/2023 {$65.00} on XX/XX/2023 On XX/XX/2023, Venmo contacted me, claiming I owed them {$85.00}, and neglecting to explain why. After some prodding, I found out that the sender or a person with custody over his/her bank account disputed the charges. I refused to pay, naturally, but they made it clear in an email sent today, XX/XX/2023 that they would attempt to collect debt from me. The {$85.00} was legitimately transferred to me, and I should not have had any debt. This issue was between Venmo and the sender, and I was unrighteously and illegally extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( Transunion, XXXX, and XXXX ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

first of, I am a member of the military and I have made numerous attempts to get the 3 credit bureaus to fix the inaccuracies on my credit report. The latest is a certifed mail to all 3 bureaus dated on XX/XX/2021. Instead of addressing my FRCA and HIPPA rights as a comsumer, EQUIFAX decided not to investigate and send me the attached letter accusing me of not doing my own credit repair. I am here to tell you and all 3 credit bureaus that I have spent numerous hours researching in order to be a better consumer. I FIX MY OWN CREDIT AND NOONE HAS HELP ME. Please direct EQUIFAX to do its job and to stop Equifax of falsely accusing me of hiring anyone to repair my credit. I have not. See Equifax letter to me calling me a liar. Hopefully I wont need a lawyer with your help in keep these big reporting companies in line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my mother ( XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do a proper investigation. I requested that they go off the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

This was not provided with the original signed contract, thus not aa proper investigation. Please assist with enforcing the company to properly investigate or remove the collection off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.