23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

( Tuesday XX/XX/XXXX ) I went to a convenience store ( XXXX ) to use the XXXX ATM for a withdrawal using my unemployment issued debit card through a company called ( Reliacard ) The XXXX atm did not dispense the money and malfunctioned. I called XXXX immediately and was not able to get any help. 
I called the convenience store manager over and he was also not able to help. I tried to file a police report simply to document everything that happened, because with no one willing to help, I consider that theft. 
I called Reliacard and was told to hand write a letter stating everything that happened, and I would get a provisional credit in 10 business days. After 12 business days I called and was told another 5 business days to potentially 45 more days for their investigation. I still do not have that weeks unemployment insurance paid to me yet. 
I receive the payment every Tuesday, today is Tuesday XX/XX/XXXX, and for some reason I did not receive this week 's payment either yet I immediately called US Bank Reliacard just now, and they told me the payment hasn't cleared, but my unemployment website is saying it cleared yesterday ( like it does every week and I usually don't have an issue ) so I asked again about my other payment dispute from XX/XX/XXXX and they are just giving me the run around. As of today XX/XX/2021 Reliacard is illegally holding {$1200.00} of my unemployment payments and I have bills due, Please help.
Product: Checking or savings account

I bank with Wells Fargo and had an auto bill pay set up to pay XXXX XXXX XXXX automatically every month. 

In XXXX  of this year, I paid off the vehicle and therefore cancelled the online bill pay in XXXX. 

On XXXX XXXX, the bill pay still went through for {$270.00}. I called to let them know and then once again attempted to shut off the bill pay ( I assumed the first payment went through because I did not cancel it correctly ). 

XXXX XXXX was contacted and they disputed ever receiving any payments and told me my account was closed and so the money would never hit the account. 

On XXXX XXXX, another payment of {$270.00} went through to XXXX  XXXX  XXXX. This time I called and told Wells Fargo they needed to cancel the bill pay on my behalf. I also told them that twice now XXXX claims they have no records of these auto bill pays hitting the account. Wells Fargo proceeded to file a claim for me based on the errors and the fact that the two check payments clearly were not being deposited anywhere and were essentially lost. 

For a week and a half there was no correspondence from Wells Fargo but then on XX/XX/19, they cancelled out my claim as a representative at XXXX XXXX now miraculously says they will be able to refund my money AFTER 30 days! For weeks we have been telling Wells Fargo what is going on. There were errors involved and now 6 weeks later we are out of almost {$570.00}!! 

When I became upset with Wells Fargo and the claim representative, she proceeded to talk down to me ( reading a script and talking over me on purpose ) and hanging up on me. When I call back, no one is willing to assist me.
Product: Checking or savings account

I tried to make a transfer from my Marcus account to another bank that was offering a higher APY. Marcus locked my account when I initiated this transfer. I called to find out the issue and kept being hung up on. I finally spoke to a supervisor, and they said they would send me an affidavit to verify my identity. I received the affidavit two weeks later and got it notarized virtually using an app called XXXX that charged {$25.00} for a virtual service. I could not physically make it into a store to notarize because my husband works and uses the car, plus I have XXXX babies to take care of. After I got the affidavit notarized, I paid {$30.00} for certified mail so they could receive it the next day. My tracking receipt shows they received the form on XX/XX/2023. 
When I called to confirm, they said it was under review and would take seven business days to review. I called back on XX/XX/2023, and was on hold for three hours. Then the representative said it was notarized by someone in Texas and needed to be done in North Carolina, where I reside. I told her I paid {$25.00} for a virtual video service to get this done. Hence, people work from virtually anywhere to help get documents notarized asap if they can not physically make it to a location. She said they would be sending out another form so it could be done in NC. I then asked to close my account. After all, I am no longer interested in banking with a bank holding my money hostage for over a month, all because I wanted to transfer some of my funds. She said she would send a code to the phone number I have on file to close the account. The code never came, and she asked if I had an alternate number. I told her I only use one number on my account and have not had issues using this number in the past for my account. She put me on hold for another hour and said my account was in review to be closed, but I will need to call back for updates. This has been the worst banking experience I have ever encountered, and I would like to close this account asap. They are holding onto my money and will not let me access or close my account.
Product: Checking or savings account

Because I am a XXXX XXXX and I filled a complaint against XXXX because my debit card was being improperly used. I am being blocked from making all use of my account I can not transfer money, I can not send money, I can not make purchases. I have also been banned from using Paypal too PAYPAL NEVER SENT AN UPDATED CARD LIKE THEY SAID EITHER.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to address a continued inaccuracy on my credit report regarding the account XXXX  ( Account # XXXX ). Despite previous disputes and Equifaxs investigations, the reported late payment in XXXX remains uncorrected. This unresolved error has negatively impacted my credit score and raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 
Summary of Dispute I respectfully dispute the following issue : Reported Issue : 30-day late payment reported in XXXX. 
Accurate Status : All payments on this account were made on time, as demonstrated by my attached payment records. 
Implication : This erroneous late payment misrepresents my creditworthiness and violates FCRA requirements for accurate reporting under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Supporting Evidence Attached to this letter are : Copy of My Government-Issued ID and Social Security Card : To verify my identity.

Highlighted Credit Report : Showing the inaccurate late payment in XXXX. 
Previous Dispute Letter ( Dated XX/XX/year> ) : Demonstrating that this issue was previously raised but not resolved. 
Request for Immediate Action I formally request that Equifax take the following actions : Correct the Inaccurate Late Payment : Update the payment history for the account to reflect an accurate status of " Paid As Agreed Never Late '' for all months, including XXXX. 
Provide Investigation Details : As required by 15 USC 1681i ( 7 ), provide a detailed description of the procedures used to investigate and verify the account information in response to my dispute. 
Provide Verifiable Evidence : If the late payment can not be corrected, furnish documented proof supporting the claim of a late payment, including dates, amounts, and communications from the data furnisher. 
If Equifax can not verify the accuracy of the reported late payment within the 30-day period mandated by the FCRA, I demand the removal of the inaccurate information from my credit report.

Legal References and Obligations Equifax is obligated to ensure that all reported information is accurate and up to date. According to 15 USC 1681i ( a ) ( 5 ), any unverifiable information must be promptly deleted. Furthermore, per 15 USC 1666 ( b ), you are required to maintain reasonable procedures to ensure that billing and reporting practices are accurate and fair. 
Failure to resolve this matter within the legally established timeframe will be considered a violation of the FCRA, and I reserve the right to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 
Conclusion This matter requires immediate attention to uphold the integrity and accuracy of your credit reporting. I look forward to receiving a written response detailing the steps taken to resolve this issue. Please send any updated credit report reflecting the corrections to the address provided above. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I Emailed the company on XXXX XXXX a Debt Validation letter and they have not responded and has updated my credit report without following the FTC guidelines.they continue to add interest to a closed charged off account. 

Here is the update status on my credit report from XXXX XXXX XXXX. 

XXXX XXXX XXXX Original creditor : XXXX XXXX {$880.00} Balance updated XX/XX/2020 Contact XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

ter serves as a formal complaint that you are reporting inaccurate and incomplete bon on my credit report. The notation of the following late payment is inaccurate. Please ate and venty that all data for this account is reporting accurately including every 1 Gate and balance whether reported or not nt Item and Number ) especialy request to be provided proof of this alleged item. nts were in fact late. By the pro to do so or lacking proof of these requesting the description of the procedure used to determine the accuracy and teness of the information. I have read that this must be provided within 15 days of the ton of your reinvestigation. I aiso read that under federal aw, you have 30 days to te your investigation. 
understanding that you must validate these items with the reporting creditor for y. Please remove any information that the creditor can not verify I know this must be ted within 30 days of receipt of this letter, or you must remove the inconect information send an updated copy of my credit report to the above address. you for your prompt attention, Ime and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 S-2 Responsibility of Furnishers ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer agencies to which the person furnished the information and that compile and maintain files on consumer on a nationwide basis.. 

I Feel my FCRA rights are being violated because the accounts listed below was reporting to all three credit bureaus now they deleted off different credit reporting agencies in not all but not all Violations of my Consumer Rights XXXX XXXX. XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) # XXXX XXXX XXXX ( XX/XX/19 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC XXXXdentity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXeven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my second complaint with CFPB over Experian, and I am not pleased with how XXXX XXXX XXXX XXXX XXXX Experian fed you gobbly goo about how I may have responded to a magazine offer or something which may have put me on a list. Let me be really clear now. I methodically removed myself from ALL pre-screened magazine, insurance, and other spam-a-lot baloney. I opt out of everything. I canceled every single thing. I have asked Experian on at least 10 occasions to never email me again, and yet since the time I have filed my response to my last complaint -- which you closed -- until now -- under a week -- Experian has sent me TWO MORE EMAILS that are the same type. " [ NAME ], Check your credit and see it ... '' or " This account is no longer reporting to ... '' These emails, which come to me and that Experian has been asked to STOP SENDING, are not because of a magazine, insurance, or anyone else ; they are due to Experian thinking it needn't follow consumer laws. This will stop. This complaint is now being copied and pasted to the Texas AG, the FTC, and local media, as well as anyone who will listen. 

I can not fathom why it is so difficult for a mega-corporation, who profits off consumer data, to remove a single email address and stop harassing a consumer. The worse part? If I want to get any information from Experian, I will never feel safe doing so again ; they have violated all business safety boundaries. This is not okay. 

I am attaching the latest, but I usually delete them -- I actually thought the complaint to CFPB was going to put an end to this. There were two in the past 5 days. This one was today.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX   XXXX  credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Product: Mortgage

Inadvertently, on XXXX XXXX, my hazard insurance expired, because the current one ( XXXX XXXX XXXX  XXXX ) did not renew it. I got another insurance on XX/XX/3023 ( XXXX  Policy # XXXX ). SPS lender place carrier from XX/XX/XXXX to XX/XX/XXXX. and charge {$310.00}. This is : XXXX. Current new insurance is XXXX. This means that SPS placed insurance that is 178 % of the average insurance for this property. My complaint is directed at two points : 1. New insurance started effective XX/XX/XXXX. at XXXX XXXX. Therefore, the lender place insurance should be effective until XX/XX/XXXX. not XXXX. If they are going to charge XXXX, then it would be 11 days, not 12 days. 
2. I understand that the lender place carrier could be more expensive but increasing 76 % is abusive.
Product: Mortgage

I have been trying to satisfy the auction amount requested on XX/XX/XXXX. My attempts to contact the bank have been ignored. I opened a complaint with CFPB on XX/XX/XXXXXXXX 
Complaint number XXXX received a response stating that the bank did not own the property. However, I found proof that the bank does own the property and have filed an eviction request with the court. 
I did receive the eviction notification to leave the home on XXXX XXXX XXXXXX/XX/XXXX. I am questioning why this quick action is being taken to remove me from a family home without providing me the opportunity to close this issue in good faith with the chance to discuss purchase options.
Product: Debt collection

The original creditor filed a 1099, how are they able to collect from multiple sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XX/XX/XXXXpayment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by Wells Fargo this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behindXX/XX/XXXX through XX/XX/XXXX( Completely incorrect ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Product: Vehicle loan or lease

Additional charges were added to my loan via XXXX XXXX XXXX XX/XX/2023 their financial team that did not align what was agreed with the salesman and myself who was also unaware of this until i went back to try to sell it back to them XX/XX/2023. First they did the car switch in which I had to bring back the original car I thought I purchased and in which they switched out and quicky put together the financial agreement. They have over charged on my last purchase in which I made them refund the difference, I notified Lexus corporate about this XX/XX/2023 since I feel they take advantage of retired XXXX veteran by adding ( sneaking ) in additional costs. At this point I will have to claim hardship and will have them take the auto back since I can not afford the monthly payment on a XXXX income. I honestly feel there are many others that have been victim to their illegal practices.
Product: Debt collection

MANDARICH LAW GROUP, LLC IS ATTEMPTING TO COLLECT XXXX REFERANCE # XXXX FOR XXXX XXXX XXXX, XXXX. I NEVER HAD A CREDIT ACCOUNT WITH XXXX, AND REFUSE TO PAY THIS BOGUS BILL. I'M ON XXXX, AND MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS, AND WISH FOR THEM TO CEASE TRYING TO CONTACT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$390.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.