23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reported 30-day late payment on my Account : XXXX XXXX XXXX and Account number : XXXX for the month of XX/XX/year>. According to your system, my payment is marked as late ; however, I have evidence that this is an error on the data furnisher part. I have consistently maintained automatic save and auto payments on this account, and I have verified that there were sufficient funds in my account to cover the payment in full on the due date of XX/XX/year>. Despite this, it appears that either the automatic payment was not processed by the data furnisher, or the payment was rejected for reasons unknown to me. I have attached the following documentation to support my claim : Bank Statements : I have XXXX XXXX XXXX bank statements showing sufficient funds available for the payment during the relevant period of XX/XX/year>. Proof of Automatic Payment Setup : you will see proof confirming that my XXXX XXXX XXXX account was set up for payments that were scheduled to be processed automatically by the data furnisher as well as a contract signed by me agreeing to auto pay. Correspondence : I have Proof that shows that no notification of failed payments or processing errors was sent from XXXX XXXX XXXX system during XXXX XX/XX/year>. Given that I have followed all required procedures to ensure the payment was made on time, I believe this late payment is a reporting error on the data furnisher part. I respectfully request that you investigate the issue and update my credit report accordingly to reflect a status of payed on time instead of 30 days late.
Product: Credit reporting or other personal consumer reports

In accordance to credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnish an account without written instructions under 15 USC 1666 b a creditor maytreat a payment on a credit card account under and open and consumer credit path as late.
Product: Mortgage

I am on Social Security and since XXXX I have arguing with Wells Fargo who holds my First Mortgage. I get paid the XXXX XXXX of each month and Wells Fargo wants their payment on the first  of each month. I am charged {$38.00} each month and they refuse to change the billing date or the date. I have been told that there is no way possible to make any changes. 

I would like all the money I have been paying be applied to my principal and sent a updated statement as well as a letter explaining what has been done.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed any concerns regarding sales handling of disputes, particularly in light of recent XXXX lawsuit, highlighting significant issues with the platform despite using numerous times and reporting discrepancies, they informed me that recovering most funds was impossible and that tracking these transactions was unfeasible the XXXX finding indicate that they has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users, vulnerable, scams, this lack of accountability transparency is unacceptable and rises. Serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me and is a result of identity theft or duplication as this company claims this is the incorrect company for this account. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft as I have included a copy of the report to this complaint. I have submitted all of my information needed to resolve this matter to have this account completely removed from my file and in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 between XXXX and XXXX. Received call from XXXX number after text alerting to suspicious activity on the account. Person said XXXX  transaction had been approved and in order to get it back I would need to send it to myself? Stupid. I was half asleep. Person was polite but definitely coercive. Followed instructions to add myself as recipient. I thought, since this is my name, my number, my account, the money will just go right back into my account. Amount was for {$3200.00}. Person made it sound like no matter what I would be out that money and the only hope I had to keep it was to send myself the . Anyway, I called XXXX immediately after to confirm. They were unable to confirm, said that the scam has been prevalent and I filed a claim with them.
Product: Checking or savings account

I was scammed with a XXXX transactions in 2023-2024 and got no help in retrieving my money back. I believe it was about {$5000.00} worth of transactions. Nothing was done till this day
Product: Mortgage

I am a XXXX-year-old ( almost ) senior. Several years ago a trusted financial advisor lost {$50000.00} of my IRA and I felt forced into getting a reverse mortgage. I got it through XXXX XXXX who subsequently sold it to Champion Mortgage. I am struggling financially because I must keep current on my property taxes and homeowner 's insurance. I asked Champion to reduce the amount of my PMI to be the same as the President 's recent reduction and they refused, citing a bunch of " gobbledy-gook '' as their reason. Can you help get my PMI rate reduced? And, is there an organization where I could ask for a grant to help with my property taxes? Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX II. ) XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, 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: Debt collection

I contacted Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and requested proof of my debt be sent to me. They continually refuse to talk to me unless I provide them with my social security number. The company seems like a scam and I have never heard of them nor agreed to do business with them. Yet, they are negatively affecting my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Experian a letter disputing the XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/2021 saying they had completed their investigation and this account was verified. I disagreed with their report and send another letter on XX/XX/2021 asking for another investigation with proof of who they verified the account with as well as to delete the account. On XX/XX/2021 I received another from Experian stating the item was again verified. I sent a letter back on XX/XX/2021 with proof that the account was not being reported accurately and asked for a deletion. On XX/XX/2021 I received a letter stating they have previously " processed this dispute and the credit grantor has verified its accuracy '' and did not further investigate. I sent my final letter on XX/XX/2021 as a formal notice of my intent to file with the XXXX  and cfpb due to the erroneous account still reporting after failing to be verified with multiple requests. I received notice on XX/XX/2021 that experian verified my account as accurate. 

This item needs to be deleted from my credit report as it has failed to be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crediting reporting act, these creditors have violated my rights. Under 15USCC1681 SEC 602 which states that I have the right to privacy. 15USC1681 SEC 604a section 2 which states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Debt collection

This company representing XXXX XXXX XXXX allowed a fraudulent renter continue to live I need a unit using my SSN ... even though I called them to ask ( several times ) if my SSN was being used. They ( XXXX XXXX reps ) told me several times that the SSN I was giving them was not the one they had on file. A year later I was applying for a pre approval for a home loan and Hunter Warfield ( the collection company ) had placed the apartment on my credit for $ XXXX. It was on my credit report for 6 months before I found out!
Product: Debt collection

I've received multiple written notices and calls from Sequium Asset Solutions regarding a {$600.00} debt to XXXX XXXX that I don't owe. I have contacted XXXX XXXX to confirm that they don't have any collections against me and they do not.
Product: Checking or savings account

Last year while out the country my account was fraudulent attack by someone using XXXX XXXX. I called to make a claim, the fund was returned, and I was offered a service to receive alerts when my card is being used. I do not receive the alerts on consisted basis. However, last month I receive an alert from footlocker regarding a purchase that I did not make. I receive the alert around XXXX XXXX but did not see the actual alert until XXXX. I went to a local branch to talk to a banker who gave my information to the fraud department due it being after XXXX. The next day I called made a claim, the representative looked over my account and stated that she notices. that I had a previous fraud claim regarding XXXX XXXX and she notice that I do not spend no more than XXXX XXXX XXXX XXXX and she told me that hackers usually spend smaller amounts so that customers don't realize their account is being hacked. she added an amount that was fraudulent used from XX/XX/23 as well as the currently claim last month. The amount from last month was denied due to their policy of 90 days. So, fifth third is allowing my card to be hacked and will not refund my money. I called the actual company of one of the other charges that refunded my money, but it was sent to the card that was closed. When calling Fifth Third to retrieve my funds, I was told I have to file a dispute to receive my funds instead of the re-routing the funds to my new account. I have really had enough of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent Transunion a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Va Mortgage Loan with XXXX XXXX  XXXX XXXX XXXX but, i never see it in my credit report.
Product: Credit card

i am an XXXX and have an excellent credit score. ( @ XXXX fico ) with greater than 10 years of credit history. i have applied for a citi credit card attracted to their double miles promotion. 

they have been sitting on my application for more than a week. when i called the agent tells me that application is still pending in a department, that can not be reached by anyone. 
she suggests my only option is withdrawing the application. with a credit enquiry already posted to my history, i am very much interested in the reason they have been sitting on my application. 
regardsXXXX XXXXXXXXXXXX credit application no. XXXXdated XXXX/XXXX/2015
Product: Debt collection

Check City sold data to XXXX who contacted me XXXX/XXXX/XXXX to try to collect the debt. 
Bankruptcy was filed in XXXX, discharged in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX - no mine, never used , never applied for .
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since early XXXX and still waiting for a response. I will not wait 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 30 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I requested a bankruptcy be removed from my credit reporr as it was being reported incorrectly. I asked where they got the information being reported and they replied with a letter of the third party company they use to report information. The company was XXXX XXXX. I wrote in to XXXX XXXX to dispute the incorrect information. They replied with a letter informing me that the bankruptcy is inverifiable. I submitted this letter along with indentifying documents to Equifax to remove this unverifiable information off of my credit report. They responded back in less than 30 days saying it was verified and remains on my credit report.
Product: Debt collection

On XX/XX/2023, I called Convergent Outsourcing and the agent and I agreed upon an amount to satisfy a collection from XXXX XXXX. I paid the amount agreed upon ( {$330.00} ) via credit card immediately and received a confirmation number of XXXX and a promise of a letter stating that I had paid the account in full and that the collection was closed and satisfied. 

When I hadnt received a letter or email, I called back on XX/XX/2023 and was told that while there were notations on the account saying we had reached an agreement and that payment had been made, it had not processed their systems and could I send a screenshot of my account showing where the exact amount was debited. I did as asked and sent it to the email address given to me, XXXX, along with the account number I was given. 

As it is now XX/XX/2023 and I have not received proof ( and this is delaying my mortgage pre approval ) I called again today and spoke to a supervisor who said they had done their part, that XXXX XXXX now needed to process the payment and let them know it was taken care of. When I told him that I had paid them, not dish, he reiterated that their part was done and it was on dish now. 

I called XXXX and the agent I spoke with said that once the debt passes to a collection agency, it is out of their purview and that the problem was on Convergent. I explained to the agent that yes, I did pay convergent over the phone, but my bank statement says that the payment of {$330.00} was processed by XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2023 so they should have record as well. She stated again that the collection agency was at fault. 

At this point, I dont care who dropped the ball, I paid the amount requested immediately, I sent my confirmation number and the screenshot of my statement showing the amount was debited and to whom it went and now all I want is this taken care of and removed from my credit report so that I may continue with my mortgage.
Product: Money transfer, virtual currency, or money service

Stayed overnight XX/XX/2021. 1 night in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX. 

I was charged 4 nights @ {$180.00} each and refunded only 1 night. I contacted the Hotel, which said they would look into the issue and process the refunds. 

I then contacted Goldman Sachs, regarding the unauthorized charges. They immediately marked 2 of the transactions for review. I contacted them further after two weeks time, I was informed that processing of the transactions in review could take up to 90 DAYS. 

Several transactions have since occurred, but my usable balance does not accurately reflect on my XXXX XXXX causing confusion, and hinders my ability to adequately determine the exact payment, and refund status that occurred for the overnight stay of the XXXX. My monthly transactions shows 6 travel related expenses for a single overnight stay including ; {$9.00} for refundable cancelation at the time of booking. 
{$180.00} XX/XX/2021 the above charges are the only valid transactions. 

{$180.00} XX/XX/2021 Transaction in review {$180.00} XX/XX/2021 Transaction in review {$130.00} XX/XX/2021 Card number used {$1.00} XX/XX/2021 Card number used My complaint is that transactions are immediately posted when it comes to charges to my account. HOWEVER, transfer of money, refunds and disputes ( often with charges ) take several days to several months to complete. 

In a world where technology can transmit at the speed of light ( proven with every charge or payment, transfers, refunds and disputes are impossible to resolve in any reasonable time. 

I've sent my complaints to my Representatives, and complained directly to the companies involved. 

I view this as an unacceptable practice, and have lobbied to have better response to issues, when Banks and Credit Card companies need to refund at the same speed and efficiency as they post sales, and collect interest.
Product: Debt collection

I have requested for a copy of this debt with my signature. I havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is claiming that I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They are illegally reporting XXXX incorrect accounts to XXXX, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both XXXX and UNITED REVENUE CORP received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both XXXX and United Revenue Corp are in violation of HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # XXXX ( XXXX XXXX ), has violated my rights. 

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

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

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. 
-any state territory possession of the United States XXXX the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.