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

I reported this complaint already XXXX times and this will be the third time. I was anticipating XXXX XXXX money transfers into my account. The first one was {$2700.00} was for retirement monies and I received this on XX/XX/year>. But the second one for {$1500.00} was a money transfer for a refund which I have not received. The vendor gave me a receipt of promise showing they had wired it on XX/XX/year>. I came to the Bank of America the XXXX branch around XXXX XXXX XXXX, XXXX XXXX, Maryland. I spoke with XXXX XXXX, the bank XXXX on the Business side on Friday, XX/XX/year>, who is beautiful and honest and checked my account and saw that there was a hold on the funds and they should be put in my account on Monday, XXXX XXXX. But today on Monday, XX/XX/year>, the hold was not there but the funds were not in my account. As I said in the second complaint someone has the same last XXXX digits of my account. Oh I dont know what happened to my money. Please put my money back in my account.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provides and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it 30 days prior on line and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Checking or savings account

I opened up a new checking account at Ally bank using the promo code " XXXX XXXXXXXX '' where I was supposed to get a XXXX $ payment for opening an account and posting a XXXX $ direct deposit. I met the requirements with a direct deposit payment from my business checking account at XXXX XXXX. I've called the bank directly at least 10 times inquiring about the payment and the teller says everything looks good and to wait on a call back which I never received. I opened the account back in XXXX and the direct deposit of XXXX $ from XXXX XXXX posted on XX/XX/XXXX. Even if Ally wants to say that business checking payment doesn't count as direct deposits they could have communicated that to me during the offer window in which I could have found another way to satisfy the requirements but I have received zero communication about my situation other than my own call ins to these customer service reps that don't know anything about the situation or have any authority to make any decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been sending out letters about incorrect information on my credit report. I haven't received a response back yet from them. All my documents are attached below.
Product: Debt collection

Subject : Debt Validation Request Dear TRANSWORLD SYSTEM INC/ I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : XXXXValidation of the debt : A detailed statement of the amount owed, including any fees or interest. 
2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it. 
XXXXAccount history : A complete account history that reflects all payments made and any adjustments made to the account. 
XXXXOriginal creditor information : The name and address of the original creditor, including the original account number. 
Additionally, please be aware that under FCRA XXXX, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report. 
I appreciate your prompt attention to this matter. Please respond within XXXX  days to avoid any further reporting of this account to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, my husband and I sent a letter to Equifax requesting that they investigate errors on our credit report. My husband received the results of his investigations in XXXX. Several more weeks have gone by, but I have yet to receive my investigation results from Equifax. I have called and written follow-up letters, but I still have n't received my updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a certified letter to Equifax asking them to close the open dispute as well as delete all notes regarding the open dispute with XXXX XXXX XXXX since I was able to get a settlement agreement with them. I sent another letter to them overnight via USPS on XX/XX/2020 and again on XX/XX/2020 via fax communication from XXXX XXXX. I have receipts and signed certified card with date stamp. I called this morning once again and asked for a manager then was immediately transfered to an automated line. I called a few more times and reach an individual from what sounds like XXXX. He said they do not have my mail that they signed for on XX/XX/2020. Nor did he have the mail I sent over night via usps. I desperately need this dispute closed. I can not close on my first home until this is taken care of. I've even sent them proof of the settlement with the creditor. I need urgent help please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. XXXX  ).
Product: Checking or savings account

On Wednesday, XX/XX/XXXX I made an ATM check deposit of {$35000.00} into my Capital One checking account. This check was written via my attorney from an Attorney-Client Trust Account as part of an automobile accident insurance settlement. 

Shortly after completing the ATM deposit, I received official communication from Capital One via email stating that my check had been successfully deposited into my checking account along with a detailed schedule of availability of funds. On the XXXX, {$220.00} was to be made available ; on the XXXX, {$5300.00} was to be made available ; and, on the XXXX, the remaining {$29000.00} was to be made fully available. 

As of today, Friday, XX/XX/XXXX, XXXX funds have been made available and Capital One will NOT make any funds available until the XXXX, per their customer service representative. The customer service representatives stated that the delay was due to a fraudulent nature. 

I also received an email from Capital One stating a different reason for the delay, this time stating that there is an increased risk of the check being returned based on confidential information that indicates the check may not be paid. 

Meanwhile, my online banking portal also reflects incorrect, misleading, and contradictory information. As of today, XX/XX/XXXX, my online banking portal denotes my deposit was made via mobile deposit, which is incorrect as it was made via ATM deposit. My account balance reflects a total of {$5500.00} but my available balance is {$1.00}. The deposit description also notes {$29000.00} to be made available on XXXX, XX/XX/XXXX with {$5500.00} available now. 

Capital One Bank has done nothing short of offering misleading, incorrect, deceptive, contradictory, and false information regarding my account. They have also refused to make my funds available despite their initial communication detailing a schedule of funds availability and have failed to provide accurate account details via their online banking portal.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account name : XXXX XXXX  Account number : XXXX DEPTEDXXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian about this company XXXX EXPERIAN STARTED THE dispute and never gave results.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

Under the stipulations of 15 US CODE 1681i ( B ) ( iii ), it is mandated that Consumer reporting agencies ( namely XXXX, Transunion, and XXXX ) are required to furnish a written notification to a Consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of information on Record. This includes providing the name and address of any information provider contacted with their contact number. Way and excessively over 30 days ago, I solicited documentation to substantiate this account, yet I have not received such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
I started sending Disputes to the Credit Agencies in XXXX of XXXX. 
Each time after notifying them that there is information needing to be fixed. Either no response was given, or a generic letter asking to confirm my identity was sent to which I responded again with the same letter and was met with the same response. I am within my right to dispute any information on my report and seek legal counsel if it is not corrected. So this is my last time submitting this complaint before calling a lawyer and suing to get my rights. 
Several Hard inquiries on my report need to be removed from my file in under 15 U.S. CODE 1602p. I only approved Credit inquiries from XXXX XXXX XXXX and XXXX XXXX ( NOT AUTO ) Late payments should be removed based on 15 U.S. CODE 1666b Charge-offs should be removed based on 15 U.S. CODE 1601 Repossessions under 15 U.S. CODE 1601 Collections that can not be verified Please remove everything I have listed above as the information provided in my report is inaccurate and goes against my right to privacy and fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Medical XXXX Balance : {$95.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion score is XXXX. My XXXX  score is XXXX. Last check XXXX   went up 5 points, TransUnion went down 46 points. Why? There is nothing listed to show such a sharp decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX re-aged a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.
Product: Mortgage

My loan officer was misleading me from the very beginning. When I had originally backed out of my first house he calls me and asks me why I did. I tell him all the issues with the house and his response is that he heard that the house wasnt " that bad '' and that I should've gone through escrow first to see what they were willing to fix. I was taken back by everything. I couldn't believe that my loan officer was almost pushing a house I didn't want on me. So I get to a house I like and it's time for escrow. I lose XXXX dollars through wire transfer. He called me and I tell him I got fraudulent wire transfer instructions through my realtors email address ( which she claims to know nothing about ). He said that not to worry he had a good feeling that the bank would take the hit and my money would return to me. This is false. Banks DO NOT guarantee wire transfers. It's as good as giving someone cash. So a couple days later I want to back out. My realtor calls my lender who then calls me and tells me everything will be ok and I was promised everything under the sun. It was all a lie. He knew that the money was going to get spent and he never advised me differently when the money was lost. He just kept going as business as usual and I believed him.
Product: Money transfer, virtual currency, or money service

Paypal has limit my account and stopped me from withdrawing money without giving full explanations and alternate solutions to fix whatever problems ( if any ) I have. 

I have already file a complaint here last XXXX but the company Paypal only restored partially my account but still I can not withdraw or make any transactions.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX Account XXXX, In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

So I have a new U.S. Bank account just open in XXXX. I made a payment on my XXXX XXXX credit card for {$15.00} and U.S. Bank return the payment because of {$.00}. I feel thats completely ridiculous. That overdraft would not covered or that they would return the item for XXXX I called customer service but basically just said that its up to the bank whether they approve it or not. XXXX XXXX is now going to charge me a {$29.00} fee because of this. I understand that there wasnt enough funds in the account but for something this low is completely ridiculous.
Product: Mortgage

Wells Fargo bank and it subsidiary ASC America Servicing Company is stating that I have a Mortgage loan contract with them. I never signed a contract with them and I want them to produce a copy of the contract with my wet ink signautre. The mortgage company has also called me with threats and put papers in my mailbox for foreclosure at XXXX XXXX XXXX XXXX XXXX New York. They are also dual tracking me on top of all of this. I never entered into a contract with this mortgage company. Wells Fargo and its Subsidiary are predatory in nature. I also made payments for the hamp program but my money was stolen.
Product: Debt collection

Debt should have been paid by XXXX XXXX XXXX..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/year> Responsibility Individual Account Account Type installment Loan Type LEASE Balance {$4500.00} Last Payment Amount {$0.00} Original Amount {$4600.00} Past Due {$450.00} This is not my account. I've filed a police report, reported to the credit bureaus, reported to Koalifi,... it is identity theft. I've reported to my bank as well as disputed with credit bureaus. Koalifi did not verify info with ID, ... the product went to a location on the other side of the country.
Product: Mortgage

I have XXXX properties/parcels on my loan that is being serviced. XXXX of the XXXX are residential buildings and XXXX is a vacant lot. XXXX of the XXXX parcels have delinquent taxes that have not been paid. XXXX of the XXXX parcels had relevied taxes + penalties but both the taxes and penalty were paid from my escrow account. The current unpaid taxes are as follows : XXXX. XXXX XXXX XXXX - {$2300.00} - Delinquent XXXX XXXX XXXX ( without penalty ) XXXX. XXXX XXXX XXXX - {$660.00} - Unpaid XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( without penalty ) XXXX. XXXX XXXX XXXX {$16.00} - Delinquent XXXX XXXX XXXX ( without penalty ) XXXX. XXXX XXXX XXXX- {$4.00} - Unpaid XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( without penalty ) The paid property tax + penalty is described below XXXX. XXXX XXXX XXXX - XXXX {$1500.00} from escrow account - XXXX  XXXX XXXX XXXX ( {$1300.00} without penalty )
Product: Credit reporting or other personal consumer reports

Hello, these items that resulted from fraud which I never benefitted from still appears on my credit report. These are already deleted by both XXXX and XXXX and blocked from reporting these fraudulent accounts. These has been already reported to the Federal Trade Commission but nothing is removed which is absolutely stressing me out, this is a blatant violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have reached personally to the companies that I do not recognize and to the credit bureau and anything has yet to be resolved as of today.