23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX $ XXXX pending transaction cash app says XXXX hasnt settled yet in the cash app ledger accessible on the webpage by downloading the lost theyve got the correct amount of {$190.00} listed there and have had it there since last XXXX. Why wont they take this transaction off pending status??
Product: Credit reporting or other personal consumer reports

XXXX put a late payment on my account from XX/XX/year>. I did not have a late payment in XXXX, the payment was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX  XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00}
Product: Prepaid card

I was in car accident XX/XX/2021 after life saving measures done I lived and was about to contact BofA about XXXX was blocked and had to jump through hoops to even find out my XXXX  money was stolen an BofA don't want to accept claims even with police report and supporting documents I have had BofA XXXX BofA multiple times XXXX an faxes not coming in clear in other in .. just non stop discrimination with my account no call sympathy or empathy of what I had to go through while I can was being stolen my money was spenced on out of my account.. and then another spending my face when they don't want to prove my disputes
Product: Debt collection

I received notice today by  XXXX   XXXX , that a company called  Stellar Recovery  reported a debt of {$68.00} to both  XXXX  and  XXXX . I have not received any communication from Stellar Recovery about a debt, and, had on  XXXX   XXXX , sent  XXXX  a proof of equipment return in response to a notice from them that I owed them for equipment not returned. I have proof of a receipt from their store with the serial numbers of my equipment confirming it was in fact, returned.     This is not a debt I owed to  XXXX , and it is fraudulent for them to sell this to a collector and even more fraudulent for them to report it to a credit agency without contacting me or verifying the validity of said " fraud ''.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Debt collection

IVE Been fighting this presumed debt since XXXX, ive called the bank over 20 times trying to resolve this matter, the XXXX on XXXX has a debt of XXXX from " XXXX '' which at the time my business account had a XXXX, they claim a debit was made, and i keep asking them how can a debit process with a XXXX?? they can not answer, furthermore their fraud department will not let me file a fraud claim because i dont have my debit card # from XXXX? this is crazy!!! i did also send them a letter asking for " validation '' of debt, they sent me a statement 3 months later, a statement is not " validation '' and i dont know who is stupid enough to buy a XXXX battery???!!! i have went round and round with supervisors and representatives and im sick of it, i do have letters i sent i will have to find them. this alledged debt is from XXXX, and they refuse to remove it and THEY CAN NOT PROVE its mine, its clearly a computer error, i never been to any XXXX, i repair my own truck as i am 12 year XXXX from XXXX THIS IS UNLAWFUL CRIMINAL ACTIVITY by XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I just looked at my credit report and was shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. I've sent out a letter couple of weeks ago through USPS tracking number is XXXX. I haven't got any response in regards to the account listed below The following account needs to be removed immediately, Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX. Reason : please verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

The following account needs to be removed immediately, Account Name : XXXX XXXX XXXX Account Number : XXXX. Reason : please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

XXXX XXXX : XXXX XXXX, Date of XXXX : XX/XX/year>. Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof, I would like it removed immediately. 

Creditor Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/year>. Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof, I would like it removed immediately.

Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX Account XXXX, XXXXXXXX Account XXXX, XXXX  XXXX Account 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
Product: Mortgage

Hello I am reaching out today because I have nowhere else to turn trying to get resolution to an issue with Wells Fargo. On XX/XX/XXXX of last year I went to the wells fargo site conducting my regular home banking to make sure payments went out for mortgage and other simple banking items. On the page I saw a link that said they would help with covid something and I clicked to read article. At that time there was a note that said there was nothing else I needed to do. Not knowing what that meant I immediately contacted wells fargo and told them what had happened and ask them to do nothing to my account and that I did not agree to anything being done to account and the person said it would take up to 10 days so I assumed nothing had happened. About that same time my neighbor had gotten a home refinance at a rate of 2.8 so as mine is 4.8 I inquired about who he did it with and I called to set refinance in motion not realizing wells fargo has done something to my account. On XX/XX/XXXX I went to check payoff of account because I knew it would be requested at some point and noticed forbearance on XX/XX/XXXX so I called wells fargo and ask them what this was and why and they said I had requested it and again I told them no i did not want it and please remove. ( I have a recording of this call because Ga is a one party state and wells fargo says calls may be recorded ) I was told it would take ten days so ok it would be removed. After that I received a letter telling me they had complete task I ask them and again I called to tell them i did not request that. After that call my payment XXXX Automatically withdrawn from my XXXX retirement pay ) did not get withdrawn so another call to wells fargo and they told me because I ask for the forbearance my allotment automatically ended and I never received any notice of this. I was quite upset with them because now I have to set up allotment again but I did and I made the payment that was due on day it was due so I have never missed or been late for a payment. But, after that I was denied on the refinance loan because my account was required to have 3 or 6 months paid before they would consider my refinance. ( Credit scores of XXXX and XXXX denied loan ) I have beat my head against a wall with these folks for over a year and after more conversations I called XXXX I assume corporate ) and spoke with a person and explained all this ( I have documented and received documents to prove ) and ask for wells fargo to lower my rate out of good faith because I did not cause issue and was promptly told the only way that could happen is refinance with wells fargo but rate would be more. I have attempted to find an attorney and if I do I will ask them in court to remove my payment because this has been nothing but severe pain for a year and no one cares. 21 years in the XXXX and now another 20 working for the XXXX it amazes me how they can just XXXX on customer and not even blink. I apologize for the lengthy note and have more but, that's the just of my issue i would like help with if possible.
Product: Payday loan, title loan, personal loan, or advance loan

cash one has charged me outrageous interest and fees on a payday loan
Product: Credit reporting, credit repair services, or other personal consumer reports

An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Product: Checking or savings account

In the early morning of XX/XX/XXXX, I used a XXXX ATM at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I withdrew {$80.00} from the ATM but accidentally left my ATM card in the machine. When I woke up in the morning on XX/XX/XXXX, I noticed there were 3 ATM transactions at different ATMs than the one I originally used and a transaction from " XXXX XXXX  XXXX '' that all occurred on the morning of XX/XX/XXXX without my consent. The transaction breakdown according to my bank, M & T Bank, is as follows : XX/XX/XXXXXXXX ATM WITHDRAWAL XXXXXX/XX/XXXX XXXX {$43.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX immediately called M & T Bank on the morning of XX/XX/XXXX to report the fraudulent charges. They initially credited my account back the money while they conducted their investigation. I provided a written documentation of the event pursuant to their request to aid the investigation at the end of XXXX. 

I received a letter in the mail on XX/XX/XXXX, dated XX/XX/XXXX, that they have determined the transactions were processed correctly and no error has occurred. Therefore they are denying my claim. They provided no written documentation as to why the claim was denied. I called M & T 's telephone banking center at XXXX on XX/XX/XXXX to determine why this occurred and if there was anything else I can do to fight this. They verbally told me that the thief somehow had my PIN number for my ATM card and that's how the transaction processed, so no error occurred. I have no idea how they illegally obtained my PIN number. There could have been a skimmer on the machine. I have no idea. M & T claims they are unable to obtain security footage from the ATMs since it is not an actual M & T Bank ATM. 

I have since filed a police report with the XXXX Police Department and provided that documentation to M & T as well. M & T Bank is going to take {$830.00} out of my checking account on XX/XX/XXXX and there is nothing I can do to stop them. They are still investigating the fraudulent transaction of {$1400.00}, so no decision has been made if they will approve or deny that claim as well. 

Please let me know if there is anything someone can do to help. Thank you!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notice from Experian that XXXX XXXX did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called XXXX XXXX on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. Experian stated that they are unable to dispute credit inquiries so they advised me to submit my dispute here.
Product: Credit card or prepaid card

XX/XX/2020 : we booked a trip to XXXX through XXXX XXXX XXXX, using teh Chase Sapphire card Cost XXXX XXXX XXXX : XXXX  cancels trip ( no refund, credit offered, but not accepted for future travel ) Note : numerous calls and emails to XXXX  for a refund went unanswered. 
XX/XX/2020 : we submit on-line dispute to Chase ( Sapphire Prefered ) On-line recommended on site, 6 - 8 week response, no ability to submit documentation. 
XX/XX/2020 : Chase confirms dispute # XXXX XX/XX/2020 : Chase rejects the dispute, including FAX from XXXX claiming we did not cancel. Correct, we did not cancel, they did and we wanted a refund not a credit. 
XX/XX/2020 : we contact Chase, via phone, and are told to provide documentation showing XXXX canceled the trip. Documentation is mailed to supplied address XX/XX/2020 : Chase confirms dispute # XXXX. 
XX/XX/2020 : XXXX enters " Administration '' aka bankruptcy XX/XX/2020 : Chase rejects the dispute, again, saying charges were valid XX/XX/2020 : we contact Chase ( XXXX, Supervisor ) told dispute rejected because of timeliness and we had no recourse. Called again ( XXXX ) told time was extended and we we had 3 days to submit documentation, FAX was not and option for us. We were then transfer to XXXX, XXXX who said we had no claim or options. We then gave up. 
( note : dates on Chase correspondence is their date, receipt of letter is about 7-10 days later )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my XXXX XXXX negatively. 

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 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Mortgage

My servicer, Mr. Cooper, rejected my XX/XX/XXXX payment that was sent via ACH on XXXX, XXXX, 2021. I phoned my bank, XXXX XXXX, to inquire about why payment was not received and they let me know issue was on the Mr. Cooper end. I followed up with Mr. Cooper and they blamed 3rd party snafu that rejected certain banks ' ACH and e-payments. When asked how this would be resolved, Mr. Cooper did not have an answer. 

I was forced to pay over the phone to ensure that my payment would be posted on time. Mr. Cooper was unable to explain what happened or how my payment would be taken care of. This is extremely disturbing that such a large company could have such a large error with such potential negative customer impact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/year> Last 4 of Socials : XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
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 effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Futhermore, 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, I seek appropriate redress for these violations.
Product: Debt collection

IT Was brought to my attention that SOUTHWEST CREDIT SYSTE reported an alleged debt of {$540.00} dollars. When i ask them for proper verification they fail to provide mandated documents. original copies of my signature, amongst other specified documents. Then continued to report inaccurate information to consumer reporting agencies. Violating both federal and state laws.
Product: Student loan

On XX/XX/2024 I made a payment to EdFinancial Services of {$7400.00} towards my student loans. That payment has not appeared on my account in over 30 days. I have contacted them twice and they have Said that they received the money and that it was applied to my account. However this is not the case.
Product: Debt collection

This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Omega RMS, LLCs collection letter, dated XX/XX/XXXX will be sent to Omega RMS , LLC electronically, via CFPB 's portal to ensure receipt, and to the address referenced above, via certified mail, for record keeping purposes. ( Letter was sent on XX/XX/XXXX, via USPS ). I do not owe this debt or any debt to Omega RMS , LLC or to any third party Omega RMS , LLC is stating to represent. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
V/R, XXXX XXXX