23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed XXXX act # XXXX with experian several times. I have received a deletion letter from XXXX stating that they are no longer reporting this account on my credit and supplied it to experian. However, experian ignored the receipt of supporting documentation and instead of deleting this account as instructed they have WRONGFULLY update this account to show balance XXXX ... I never had this balance with credit card..I mailed in anther dispute with supporting documentation and got a response that account was updated instead of it being DELETED. Then I called, and representative stated they already investigated once and will NOT redispute again! I was instructed to use their website for faster results however their site is unresponsive!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$5900.00} XXXX/XXXX   XXXX {$840.00} XXXX XXXX XXXXXXXX XXXX {$570.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX/XXXX   XXXX {$440.00} XXXX XXXX  XXXX {$570.00} XXXX/XXXX  XXXX {$40000.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX   XXXX {$410.00} XXXX  XXXX {$5500.00}
Product: Prepaid card

My gift card information was stolen by a third party hacker before I was able to register the card online and use it. It was a {$500.00} prepaid visa gift card. I have the physical gift card, it was not stolen through any act of mine, somehow the gift card information was stolen before arriving in the mail. XXXX agreed it was fraud, and promised to send me a replacement {$500.00} gift card. This happened 6 months ago. Still no card after multiple times contacting the company.
Product: Mortgage

I'm currently selling my home and the mortgage company they buyers selected is Better Mortgage. The issue first started when they didn't send a licensed appraiser to my home they sent a realtor who was a data gatherer. This person incorrectly measured my home by almost XXXX when this was brough to their attention by my realtor by sending them the build information and the home apprasial when I purchased the home they argued that the data gatherer was correct with his laser measurments. The buyer then asked them to send a licensed appraiser out and they told the buyer why are they fighting the issue they are getting the house for them much cheaper. They finally sent an appraiser out who then came back 100sqft off and they then said they would update the square feet but not the price it would have to be purchased at the same price. They buyer told them it was not correct the price was per sqft and they said they would lower the first price to make the sqft match. This company need to be looked into they seem to do thing to devalue homes in favor of the their customers. Below is the people we dealt with. 

Lender : Ally Power By Better Loan Officer : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my checking account was debited twice in the amount of {$100.00} ... Only XXXX of the debits was credited too my credit card. The other debit was never returned too my checking account. Both the Checking account and Credit Card are from the same company, Bank Of America. 

I have spent nearly XXXX months trying to recover a lousy {$100.00} .... 

I have both a copy of my statement for that month, as well as the bill pay statement showing the amounts debited vs. amounts applied too the bill.
Product: Credit reporting

equifax is knowingly reporting information from a furnisher you fined 3 days ago for not reporting credit correctly ... ..but the offense is equifax 's because it is obvious misreporting on the face of the record, equifax is reporting current status as 120 days late while it is a paid in full XXXX balance account..its my XXXX student loan account XXXX ... this blatant error of equifax proves they do not care about cfpb enforcement.
Product: Money transfer, virtual currency, or money service

I am filling a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 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: Money transfers

I was trying to wire money from Wells Fargo Bank ( WFB ) in XXXX, Arizona USA to XXXX XXXX , XXXX XXXX . It finally got there after three weeks plus. A similar wire from another Arizona Bank to XXXX had taken a couple days. 
The confusion and incompetence at WFB were unacceptable causing XXXX and loss of money.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. 1692. My private personal information is being reported without my written or verbal consent. I never had a contract with XXXX XXXX XXXX XXXX  and they are reporting inaccurate information without my consent and it is causing harm to me as a consumer as I am unable to make any purchases for good and service as my credit is being withheld from me due to misleading information being shared by a third party without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} 04/30/2018 {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX{$1400.00} COLLECTION ACCOUNT XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX{$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND EXPERIAN AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I submitted documentation challenging suspicious accounts. On XXXXXX/XX/year> I followed up with more documentation. The reporting agency company never replied.
Product: Credit reporting or other personal consumer reports

I recently reviewed my account. I noticed an account that was not reporting accurately.it shows that I have one late payment, that Im certainly know I made the payment on time.the consumer reporting agencies need to report all information with complete accuracy. I have a strong on payment history and will not risk it. Ive attached a copy to this complaint on XX/XX/2024. I am now requesting further investigation and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, please update payment to pay on time immediately.thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and TransUnion are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and XXXX is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.
Product: Debt collection

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector XXXX  '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with  the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement  for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the  statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX, the latter falsely stated that I defaulted upon the  subject transaction as of XXXX XXXX when, at all relevant times : ( 1 )  said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor Litton Loan Servicing LP ( " Litton '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt  Collector XXXX and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation. 

Additionally, Debt Collector PHH by and through Debt Collector XXXX   and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite being coded as " affected by natural disaster, '' XXXX XXXX continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to XXXX XXXX and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.
Product: Checking or savings account

I have a claim on a cash deposit made to one of the Wells Fargo ATMs in XXXX XXXX, CA at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023, at XXXX XXXX. The ATM machine " jammed '' during a deposit of {$960.00} cash to my checking account and kept {$460.00} 0f this deposit and I was able to retrieve {$500.00} by pushing the return button. now as a customer I need to wait 10-days without any further correspondence and was told on the day of the deposit when I called customer service that the transaction needs to be " investigated '' to prove it really happened, and that Wells Fargo could not view any customer transaction on their ATM machines since Wells Fargo does not own the machines. 

Sat this branches ATM, I first used my XXXX debit card to withdraw {$1000.00} from XXXX and was charged a {$3.00} service charge. I received {$1000.00} in {$20.00} dollar bills and proceeded to deposit {$960.00} into my Wells Fargo checking. Luckily, when the machine jammed, I pushed the option button to return funds and was able to get back {$500.00} of the {$960.00} returned, less the {$460.00} the ATM machine kept without any receipt of its acceptance ... my primary reason at the Branch on the morning of XX/XX/XXXX was to deposit money to send my XXXX to my quadriplegic son who lives in another state and needed money that day. I only use Wells Fargo as an account to transfer funds to my son and to pay a mortgage payment on one of my 3 homes. 

The fact that I needed to go to one of my other Banks on Monday XX/XX/2023, and wire funds to my XXXX son to get to him ASAP is not only an inconvenience but has now completely impacted my already low-confidence level in Wells Fargo Banks XXXX given your history. 

That a customer can deposit cash money into am established Banks ATM machine and not get a receipt of what amount was accepted regardless of a " jam '' is outrageous, yet I got a receipt showing a malfunction and a {$0.00} cent placeholder credit for a transaction of {$460.00} of a {$960.00} cash deposit was accepted by your Bank.
Product: Money transfer, virtual currency, or money service

I made a valid CashApp transaction to a user for {$300.00} on Sunday, XX/XX/year>, at XXXX EST. I did not notice until after I woke up that I had two {$300.00} transactions hit my bank account. I looked and found that there was another {$300.00} transaction in CashApp to a user on my " frequents '' list. After speaking with my bank, this transaction happened at XXXX EST, exactly two seconds after I made my valid transaction. CashApp support told me that because I've made transaction to this person in the past, that this must have been valid as well and to essentially pound sand.
Product: Credit card or prepaid card

On XX/XX/XXXX I faxed American Express XXXX Team, an Government ID, a receipt with temporary card serial number, and my current address. Each time I call customer service they have an excuse as to why they can not process the replacement card for my lost card that has {$100.00} balance. The CSR always tells me the ID is wrong type, or the ID is not clear or the ID is dark. And they also said my address is not acceptable. 
I have repeatedly sent fax after fax with a different government ID each time. I have faxed a State college ID, and 2 Veterans ID Cards, all with pictures and personal information. 
I sent a fax onXX/XX/XXXX, and one on XX/XX/XXXX. 
In my opinion they are practicing fraud. In my opinion they are stealing personal information. 
They want all of my private information and do not give me the money that was refunded back to the card from XXXX XXXX XXXX, in XX/XX/XXXX. I demand the money be returned to me immediately. 
I have called over and over to try to get my money sent to me. 
I have paid for fax services FIVE TIMES. 
I have faxed XXXX XXXX at FAX : XXXX and have not received any response from the XXXX. 
I am paying for faxing and each time the incompetent XXXX gives me another excuse. 
I have told them I do not have any utilities in my name. I gave them my address from a shipping label that is from a package shipped to me. 
I am a XXXX veteran and I do not feel this company cares one bit about the customer and has extremely poor service. 
I do not have a permanent home. I want the cash money wired to me or mailed to my P.O. Box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it  shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXX year. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at Experian, XXXX, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} XXXX XXXX XXXX XXXX - XXXX - {$710.00} REMOVE INQUIRES : XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX  XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

On XX/XX/2020, I began to receive calls and voicemails from " XXXX XXXX '' representing " ERG '' and " XXXX XXXX '' that I was being served for a debt and needed to be home and present two forms of ID to " receive important paperwork. '' No one ever came to my home to present me with paperwork. During one of the phone calls, I asked for an address and fax number so I can verify information on XXXX and their representative would not provide me with this information. they wouldn't provide me with information. I called persistently to receive this information and demanded that they validate the debt they were attempting to collect until they blocked my number. Then, I began to receive derogatory phone calls and voicemails from XXXX XXXX XXXX XXXX XXXX, stating that I was " a failure '' for not satisfying the debt and other callous statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.