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

I had a student loan back in XXXX through XXXX. The claim was closed out XX/XX/XXXX and my balance was XXXX. Upon applying for a home loan we noticed that on my Equifax credit report reported that I had payments 120 day late for the Months of XXXX, XXXX and XXXX of XXXX. 
I called my lender, XXXX and asked them to update this information with the credit reporting agencies. I was toldby their credit consumer solutions department that they have not reported to the credit agencies since XX/XX/XXXX. They did not update this information on Equifax. I filed a dispute with Equifax asking them to investigate the late payments for XXXX. I did not have a student loan balance, it was showing up on the credit report as zero, why are late payments showing up. After multiple calls to XXXX consumer solutions department I was told that they see that late payments are showing up on Equifax but was showing correct on XXXX  and XXXX. Attached is a copy of the Experian report showing no late payments for XXXX, XXXX and XX/XX/XXXX. Equifax report attached showing late payments for XXXX, XXXX and XX/XX/XXXX. Keep in mind, this loan was closed out and paid by claim between XXXX XXXX and was now XXXX balance. 

I called XXXX again on XX/XX/XXXX and spoke to their credit consumer solutions and they told me that they have again submitted an update to Equifax to correct the errors as they were able to see that its still showing up on their end as late payments. I reached out to Equifax again and they said that it can take 30 days to reflect on their end. The dispute did not correct anything in fact it added another XXXX late payment on a closed loan with a zero balance. 

I was in the middle of purchasing a home, was pre-approved for a loan and had to cancel the pending sale because XX/XX/XXXX due to these negative remarks on my credit report. This was the only thing holding me up from purchasing a home. Now I can not get my loan until this is correct by Exquifax. Attached documents are XXXX, Equifax credit reports and a letter from XXXX showing my loan was closed in XXXX and I do not have a balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/ I called the wells fargo customer service number in an attempt to pay my bill. I currently have several complaints concerning wells fargo and there disregard for XXXX  access to there banking XXXX. My last line XXXX  interaction is by phone as result of. I have extreme XXXX and XXXX wich severely limits my interactions with people. Wells fargo has never taking this complaint serious despite many, many, many complaints. They never even mention it in there resolution letters citing no fault on there part in vague descriptions never actually addressing the real problem. 
Upon reaching there customer service department I was connected to a XXXX  who asked me alot of personal questions I didn't feel were appropriate to simply paying my bill. I see on XXXX XXXX all the time about the various scams being perpetrated onto the American people by the very countries these customer service agents are residing in. 
I asked several different times to be connected to an american agent. I was met with abuse and verbal degradation and eventually just hung up on. As a result of this I had to take a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result of this i missed the deadline dat and was given a late fees charge. This bank is nothing than an institution of scammers and predators filling the pockets of greedy CEOs and share holders. It's disgusting that they have waged financial war against our poorest and the most XXXX  americans.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion LLC for failure to properly investigate and remove inaccurate information from my credit report as required by law. TransUnion has not adhered to the Fair Credit Reporting Act ( FCRA ) requirements for verifying or deleting items that can not be confirmed as accurate, thus breaching their responsibility to maintain an accurate report. 

I have identified several inaccuracies in my TransUnion report, and I requested a thorough investigation and deletion of the items listed below. Despite this request, TransUnion has failed to conduct the necessary due diligence or provide verification from the creditors. The items I identified and disputed are as follows : XXXX. **Incorrect Personal Information : ** - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX - Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Incorrect Employer : XXXX XXXX XXXX. **Unverified Collection Account : ** - XXXX XXXX XXXX- Account Number : XXXX This account may have been obtained without a permissible purpose, as defined by 15 U.S.C. 1681b. If it can not be verified as having a legitimate purpose, I request its immediate removal.

3. **Inaccurate Account Balance : ** - XXXX XXXX XXXX- Account Number : XXXX As per 15 U.S.C. 1681e ( b ), TransUnion is obligated to ensure the maximum accuracy of information. The inaccurate balance reported here violates this standard.

I have given TransUnion sufficient time to address these concerns, yet they have failed to comply with my requests. Under 15 U.S.C. Sec. 1681i ( a ), they are required to investigate within 30 days and delete unverifiable items. TransUnions failure to do so constitutes a breach of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ANY OF THESE ACCOUNTS DOES NOT BELONG TO ME * XXXX XXXX XXXX   XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT Individual XX/XX/XXXX {$400.00} {$31.00} $ XXXX-PAYS 61-90 DAYS {$81.00} COMMENTS FIRST PAYMENT NEVER RECEIVED *XXXX XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$1000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX   XXXX Revolving OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$420.00} - - - PAYS AS AGREED - Individual *XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$3000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual *XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$6000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX  XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$9000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX   XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$5000.00} - - XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED DUE TO INACTIVITY
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Capital One, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. Capital One has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}
Product: Debt collection

I have not reticulation of this debit on the facility this company represents i have not myself been too.
Product: Checking or savings account

I was waiting on a debit card for about Eight months ago From my Chime account I was sent via email from Chime and through phone. I was contacted by people claiming to be chime agents to help me with my debit card process I received a email from Chime stating the day I will receive my new debit card Unfortunately I didn't realize they were scamming my bank account with a app called anydesk and while I was working i never noticed my account was completely withdrawn to nothing and I never received any notifications from Chime about my account activity getting withdrawn in one day so fast until the next night out from work realizing I have no money for my bills or to eat I had to call Chime and i made a dispute with Chime cause the XXXXXXXX XXXX XXXX XXXX. which stated card holders will not be responsible for unauthorized charges i also gave the Dispute agent at Chime the police report and number also The FTC report and number. & attached the evidence of the email and phone numbers they used and sent to me and the transactions of the total of my account which was withdrawn so Chime can start a thorough investigation like they told me. Chime sent me a email the next day with no thorough investigation stating after investigation with partners no errors had been made on your account you will not be refunded any refunds. I also requested the documents used for the investigation and they just sent me a screenshot of the bank statements I emailed to Chime for the investigation. help best regards
Product: Debt collection

On XX/XX/XXXX my brother received a voicemail from XXXX XXXX who stayed that she was with F & M Capital in the bad checks division. She said she had a formal complaint against my name and social security number, regarding a series of bad checks that were passed across state lines. She then called the store that I work at and spoke with the pharmacist who passed her off to the front end ( the department that I work in ). She started immediately asking a supervisor ( who actually works under me ) how she could go about garnishing my wages. She stated that she could not leave a voicemail because my mailbox was full. I verified that my mailbox was empty and then I called XXXX XXXX and asked her to provide me with a validation of this debt. She said that she had already sent mail, email, etc and I verified that she does have the correct information for me, however I have received nothing regarding this from them. She said that I owe {$2600.00} to XXXX XXXX XXXX from XX/XX/XXXX. I explained to her that I believe that this debt had already been paid and she told me that is the most ridiculous thing Ive ever heard! You need a lawyer because they are going to nail you to the wall! When I asked about her calling my place of employment she stated that she was simply verifying my employment so that she could move forward with the wage garnishment process. I explained to her that there is no HR Dept at the store level, only at corporate level and she said that she would be calling back to speak with my store manager at XXXX tomorrow. After our phone call, I signed into my XXXX account and it said there were no active accounts. I do believe this debt was paid years ago and I do not appreciate F and M capital calling myself, my family, and my work divulging personal information and making threats regarding a debt that I have yet to see validation for.
Product: Payday loan, title loan, or personal loan

XX/XX/2020-stepson stole money by large unauthorized purchase XX/XX/2020-unable to make monthly payment XX/XX/2020-email from XXXX   instructing me to schedule a payment to cover what I missed. 
XX/XX/2020-attempted to call upgrade.com customer service line, no answer, despite their claim to be open XX/XX/2020-found email asking me to schedule a payment, I scheduled a make-up payment for XX/XX/2020. my next payday. 
XX/XX/2020-XXXX took the money 9 days early, leaving me no money to feed my family until XX/XX/2020 XX/XX/2020-sent email to their customer service email address explaining what went wrong and asking them to resolve. No reply.
Product: Debt collection

I am the consumer natural person making this report notifying XXXX XXXX of there Federal violations pursuant to federal law. Pursuant XXXX8 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 XXXX XXXX XXXX XXXX XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.
Product: Credit reporting

XXXX XXXX XXXX, I have been asking for a copy of the originally signed contract. It can not be produced by XXXX or Experian since the credit account was with XXXX XXXX. Experian has been ignoring my requests for more than 30 days now. XXXX XXXX XXXX also can not produce it. The account needs to be removed since It can not be produced. 
XXXX XXXX XXXX, i have been asking for signed original contract. Where is the XXXX credit card agreement and the full payment history as requested.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions., 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with XXXX regarding inaccuracies in my credit report. Despite multiple attempts to rectify the situation, XXXX has failed to remove outdated and inaccurate information and update my correct address on my credit reports. 

I have identified several discrepancies in my credit report, including outdated accounts and personal information that no longer reflect my current financial status. Despite submitting documentation and following the appropriate dispute procedures outlined by XXXX, the inaccuracies persist. 

Furthermore, my correct address has not been updated on my credit reports, which has led to confusion and potential issues with creditors and lenders. I have provided XXXX with the necessary documentation to verify my current address, but they have failed to make the necessary updates. 

These inaccuracies are having a detrimental impact on my financial standing and could potentially affect my ability to obtain credit or secure favorable terms on loans and mortgages. I have made numerous attempts to resolve these issues directly with XXXX, but they have been unresponsive and unwilling to address the matter satisfactorily. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and assist me in resolving these inaccuracies with XXXX. I believe that XXXX is in violation of the Fair Credit Reporting Act by failing to ensure the accuracy of the information contained in my credit reports. 

I have enclosed copies of relevant documentation, including correspondence with XXXX and proof of my correct address, for your review. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy and integrity of my credit reports. 

Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, 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 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 Fraud 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

According to the fair credit reporting act these accounts on my consumer report Account Number XXXX Account Number Account Number Account Number Account Number XXXX Dear Sir/Madam, I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.
Product: Debt collection

Dear CFPB, I am complaining about XXXX XXXX XXXX Bank, Wachovia Bank stealing the assets of the Heir XXXX XXXX XXXX at our family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

They sued my deceased parents which is legally impossible ( NO SERVICE OF SUMMONS ON MY DECEASED PARENTS ) The Mortgage Insurance premiums that my deceased parents paid for, paid off XXXX XXXX  on XX/XX/ in the amount of {$97000.00}, FHA Case # XXXX. 

After they got paid they continued to foreclose against my deceased parents which you can not do, Pursuant the Illinois Judicial Foreclosure Law 735 ILCS 5/15-1501 ( a ) ( i ) Which makes a Mortgagor a necessary party and a indispensable party to a foreclosure action. 

Then they sued me a non-mortgagor and stole the assets of the Heir XXXX XXXX XXXX and even my personal property at our lifelong family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

The law of Intestate succession was violated and stolen pursuant Federal and State of Illinois Law of Decent and Distribution : 755 ILCS 5/2-1 ( b ) Which reads in part ; ( If there is no surviving spouse but a descedent of the decedent : the entire estate to the descedent per Stirpes ) Once again XXXX XXXX  XXXX Wachovia Bank their attorneys have committed fraud and theft of the assets of the Heir XXXX XXXX XXXX XXXX the Son and Next of Kin of XXXX XXXX XXXX and XXXX XXXX XXXX , they have falsified, the character, amount and legal status of the debt when they got paid by the MIP Insurance that my parents paid for on XX/XX/XXXX  in the amount of {$97000.00} on XXXX. 

Once again the assets of the Heir XXXX XXXX XXXX Pursuant 755 ILCS 5/2-1 ( b ) was threatened, abused, harrassed, Vandalised, tresspassed, evicted and stolen by the Bank, their attorneys and the court. 

The Heir XXXX XXXX XXXX never signed a note in the amount of {$100000.00} The Heir XXXX XXXX XXXX never signed a mortgage in the amount of {$100000.00} The Heir XXXX XXXX XXXX never borrowed any money from XXXX XXXX  and Wachovia Bank in the amount of {$100000.00} The assets of the Heir XXXX XXXX XXXX the Son of XXXX XXXX XXXX and XXXX XXXX XXXX ( My Parents ) Was threatened, abused, tresspassed, Usurped, Vandalised, Evicted and stolen by The Bank, their attorneys XXXX and elected and appointed officials of XXXX XXXX, XXXX, Illinois. 

Once again XXXX XXXX  got paid on XX/XX/ in the amount of {$97000.00} They have stolen the assets of the Heir XXXX XXXX XXXX pursuant the Law of Decent and Distribution 755 ILCS 5/2-1 ( b )
Product: Credit reporting

Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that midland is still reporting the derogatory information. Per Case number : XXXX XXXX claims that they are reporting the information that it receives. This does not appear to be the case as these items are still appearing on my credit report. Please see the cases that were previously filed and have midland removed from my credit report as they claim they already requested the credit bureaus to do.