23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.

I've sent letters stating this issue for about two months straight Experian have not answered my request XX/XX/XXXX & XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

World Remit Corp. ( XXXX  XXXX ) is right back it. They claim that regulations require them to ask me for 3 months of bank statements and other personal information. In XX/XX/year> I asked the representative if they can supply me with the exact law or regulation so I can read it myself to ensure they are within the law asking me for information and to make sure I fully comply with their request with as minimal personal information as possible. I received no answer. I followed up again on XX/XX/XXXX to let them know I haven't received the information requested. Again, no answer. They suspended my account. On XX/XX/XXXX, I again asked for their authority and again no answer. 

I read this about XXXX : " the Consumer Financial Protection Bureau has slammed XXXX XXXX ( doing business as XXXX ) for deceiving consumers about the speed and cost of remittance transfers through its app. 
XXXX  was accused of wrongfully charging users {$1.00} XXXX in fees, limiting legal protections for consumers and failing to correct errors and provide required disclosures. A consent order filed on XX/XX/XXXX revealed that XXXX parent had agreed to pay {$1.00} XXXX in redress to customers and a {$1.00} XXXX penalty, without admitting wrongdoing. ''
Product: Checking or savings account

Chime Financial ( not a real bank ) has denied a valid dispute for a XXXX and XXXX unauthorized purchase on my checking account. They denied this dispute within 15 minutes of my initiating the claim. I told Chime I was a victim of ID theft. These transactions were online purchases and the card was in my possession. Chime continuously violates federal banking rules and Regulation E by unfairly denying value disputes. There is no way a proper investigation was done in 15 minutes. I am demanding Chime honor my legal right to a provisional credit.
Product: Bank account or service

I went to the bank of America on XXXX XXXX XXXX in XXXX GA on XXXX/XXXX/16 i in the afternoon when everyone in the bank started to XXXX.I complained to the manager that they was a problem.The bank was evacuated after about 30mins and people people started to XXXX vigorously outside and paramedics and police were called in. 
I left to go home only to end up in the emergency where I was given a XXXX and told to get a prescribtion.I got a bill from the hospital which I took to the bank and I was given a number to call and I did but they told me the manager had to make a complaint I went back to the manager who told me to go call the number I called XXXX XXXX who told me to call your agency.I want my bill paid and also a settlement for suffering and XXXX.
Product: Credit reporting or other personal consumer reports

on my credit report i have a collection that is not mines from XXXX account # XXXX last activity date XX/XX/23 XXXX XXXX they are confusing me with my twin sister another collection on my report is XXXX XXXX XXXX Account # XXXX last activity date XX/XX/23 XXXX XXXX again not mines my twin sister i would like them to take it away
Product: Credit reporting or other personal consumer reports

I was checking my credit reports today and found that there was some inaccurate information on the following account. I don't understand why this collection is showing on my XXXX Credit Report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : also states that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instructions. I have never given XXXX XXXX XXXX written instructions either. Please delete this inaccurate collection account and mail me a corrected copy of my credit report.
Product: Credit card

Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$100.00} This dispute was ruled in favor of the merchant on XX/XX/XXXX. I have since reopened the dispute. It is similar to my other dispute which has been going on for over a year. I purchased a gift card for XXXX which did not work. I did not receive what I paid for, and Apple/Goldman Sachs is not helping resolve it. The merchant asked for information that XXXX does not provide, and then deleted the evidence I sent them. Apple did nothing about that.
Product: Bank account or service

To summarize, I have an 18-month liquid CD with New York Community Bank with a " DO NOT RENEW AFTER MATURITY '' when CD was opened with the branch manager. This is also noted on the Notes section of the CD contract agreement. This was a liquid CD type to make sure I can withdraw the funds when needed for funding my kids college costs. The CD had matured earlier this year but NYCB bank automatically rolled it into a regular 18-month CD with a very low rate, since according to the bank, I did not notify them during the grace period. Note that the original CD was a LIQUID type with a " no renewal after maturity '' terms. I was told that I would be penalized ( $ XXXX+ ) if I withdraw the money. So now, my funds are locked into this low 18-month rate with a penalty if I take my money out. I am also an " Elite '' program customer supposed to be given higher rates ( CD, Savings, etc. ), more benefits, at this bank. According to the bank, because of this " Elite '' customer status, there is a benefit to auto renew the CD when it matures and this overrides the CD contract agreement!!! When this Elite program was offered to me, all that was disclosed to me were better rates, avoidance of fees, personal service, overdraft protection, etc. There was not a mention of any overriding the contract agreement. I have spoken to the branch manager and several bank employees of the bank and I was even told that the bank do not normally follow these notes/terms on the CD contract. The NYCB bank breached the terms of the CD contract agreement by reinvesting my funds automatically into a REGULAR CD. To add insult to injury, I was told that as an added benefit going forward, they will revised their policies to make it clearer to customers going forward. I have mailed a copy of the complaint to the CEO/President as well as the COO. I am still waiting for a reply. Since these operational procedures are not followed at this bank, it is causing customers like me to suffer and pay for their violations. I want to raise all these points to the regulators so it should prevent others to suffer like me.
Product: Debt collection

I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX IRS Tax {$13000.00}. Please send my file back to the IRS Fraud dept and please contact the Secret Service ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XX/XX/2020 to this date XX/XX/2020 it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.
Product: Credit card

CITIBank credit card company allows OTHER people to add ANYONE they want to their credit card. My boyfriend ( not married ) added me to his credit card ( he did n't know it would affect my credit ) and now his balance and credit is being reflected on MY credit report without any knowledge or consent on my part. 

All he needed was my NAME. This is absolutely absurd that I did n't have to give consent to become an authorize user. Please fix this policy and prevent CITIbank from being so deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes negative informatiom with the credit reporters about and ols account with XXXX XXXX thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.
Product: Debt collection

Had received multiple phone calls a day from OMEGA RMS. When I finally did speak with them, because it was bringing my credit score down, they told me they were collecting a debt from XXXX, a spa in XXXX. The contract amount owed was {$2900.00}. I had a contract with XXXX which I broke, because they had taken money from my account without my permission and far beyond what I owed them per month ( {$1200.00} in two days. ) OMEGA explained I still owed the balance of the contract, which I refused to pay seeing as how the company treated me. So I called XXXX directly. They then called OMEGA, and OMEGA called me back, saying my total amount had been lowered from the original {$2900.00} to {$1100.00}. I agreed to pay it, in two payments two weeks apart. They sent me a written form stating this was the new amount owed and once paid, the debt would be cleared and also removed from my credit information. 

Today, 9 MONTHS LATER, I am receiving a phone call from a new debt collection company, XXXX XXXX XXXX, is trying to collect the " remainder '' of the balance - the exact amount that OMEGA had taken off what I owed ( {$1700.00} ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. 

Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a debt reported on my credit report by XXXX XXXX XXXX According to my credit report, I owe them an outstanding balance. However, I would like to clarify that I do not owe any money to XXXX XXXX, as I have never signed agreements with them or received any loans or services from them. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : XXXX Social Security Number : XXXX Debt Information as it appears on my credit report : Creditor : XXXX XXXXXXXX Account Number : XXXX Amount Owed : {$1400.00} As mentioned, I do not know about any business dealings with XXXX XXXX, and I have never signed any contracts or agreements with them. I suspect this debt may result from an error or even fraudulent activity. Please investigate this matter and remove the XXXX XXXX debt from my credit report if it is inaccurate or invalid. 

I am attaching a copy of my driver 's license as proof of my identity and address. I also request that you send me a confirmation letter once this investigation is completed and any necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX all show alternate information and incorrect reporting for matters corrected by creditors. 

I have sent several mailed in requests months and months ago to remove incorrect information like other peoples names from my credit profile. 

they continue to add erroneous information regarding the XXXX resolved case- they added 4 years of charge off CO when it was previously ND XXXX XXXX has provided them reporting that account is closed and paid and never late and though i returned the car to XXXX for being recalled for a safety issue it still appears as voluntarily reposted or surrendered. this is not correct they refuse to correct the name versions on my report and do not report the positive and paid off accounts in good standing. 

all three agencies must be in sync as the shas caused major issues if a bank only uses on company.

please let me know how we can speak to someone to correct these issue it is affecting my credit and this is specifically done to people of color and affects us in making purchases and obtaining credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Wells Fargo Home Mortgage for over 1 years regarding an alleged missed payment on my home mortgage. The issue I am raising to you is not about the missed payment, but the impact Wells is telling me this missed payment has on their reporting the most current balance on my mortgage to the major credit agencies. In addition, I am currently unemployed and asked Wells for forbearance on my mortgage. Even though I filed for this, I have made every mortgage payment after I filed with them asking for forbearance. Wells is also saying they are not reporting current balances to the credit agencies as I asked for forbearance. I assume you are the correct agency to report this issue to. If you are not please let me know who could address this issue.

I assume Wells should be reporting the most current balance ( of {$640000.00}, see attached latest statement from Wells ) regardless of me disputing ONE payment. I could understand them not reporting payments as MISSED during Covid-19, but question that they are not reporting current balances. Instead they are reporting a XX/XX/XXXX balance of {$670000.00}. This equates to a difference of approximately {$34000.00}. I have filed disputes with Experian no less than 4 times regarding this matter, and each time Wells states the {$670000.00} is the correct balance to report. 

Attached is my latest letter to them ( dated XX/XX/XXXX ), reflecting different information to the 3 big credit agencies. Their response noted in the attached XX/XX/XXXX letter, states the following : While they are agreeing that they have not reported my latest balance to the credit agencies, they are saying my outstanding claim of a missed payment and Covid-19 forbearance as the reason they have not done so. 

I hope you agree with me, that they SHOULD be reporting my latest balance of {$640000.00} to these agencies. I was told this has an impact on my credit score. If you do not agree with them reporting my latest balances, could you please explain why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX 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
Product: Credit reporting or other personal consumer reports

Experians XXXX XXXX XXXX : A Hidden Case of Consumer Protection XXXX Affecting XXXX XXXX I have an account with Experian that I have been trying to cancel for many months. However, I have encountered significant difficulties due to the use of XXXX XXXX in their XXXX XXXX, intentionally complicating the cancellation process, and forcing me to engage with the platform to update my billing information before I can cancel my account, subsequently charging me before I can cancel the membership. I am unable to access my account without updating my billing information. 

I am an expert in XXXX XXXX, and they are engaging in consumer fraud. This is considered 'Forced Engagement '. The practice is illegal in the United States, and many places worldwide, including the XXXX XXXX. 

Forced Engagement This occurs when a company uses manipulative techniques to keep users engaged with their product, even if they want to stop using it. For example, a company might make it difficult for users to cancel their subscriptions or continue bombarding them with notifications after unsubscribing. 

Given Experians extensive reach, with data on over XXXX XXXX individuals and businesses, including XXXX XXXX individual XXXX consumers and more than XXXX XXXX XXXX businesses, the statistical and financial implications of a forced billing update requirement before account cancellation are significant. 

This practice raises serious ethical and liability concerns, as it not only undermines user trust but also violates consumer protection laws. 

I urged Experian to address this issue promptly and allow users worldwide to cancel their accounts easily and transparently, indicating that failing to comply could lead to further public scrutiny and legal challenges.
Product: Debt collection

The judgement in the amount of {$12000.00} was satisfied by garnishment. The garnishment order expired XX/XX/18. The company is still reporting a balance of {$2700.00} owed, on all three credit bureau reports. This needs to be updated. They are not entitled to the extra interest they are seeking or the judge would have included it in the judgement.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report this afternoon, and I have no clue how they got there. When I checked, everything was fine like usual, but suddenly there were errors that seemed to appear out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the wrong information stayed put. I'm asking that the documents I sent be thoroughly reviewed because I dont want to ever have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I noticed some things incomplete and not accurate and according to the FCRA whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates all rights : XXXX XXXX XXXX Acct # XXXX Date account was open, date last active, payment history, date last payment was received, company also received payoff from gap insurance that they reported as a write off, the initial loan amount. Nothing about this account is accurate.
Product: Debt collection

I bought a car in XXXX XXXX with excellent credit. On XXXX XXXX I went purchase another vehicle and found out I owe a medical bill to Ability Recovery Service LLC. This was placed on my credit on XXXX of XXXX. I have sent a letter to Ability Recovery Service and faxed a letter to them on XXXX XXXX have called XXXX XXXX XXXX on this matter and they said the bill was paid due to a medical era. I am exercising my right under the FDCPA to dispute the alleged account and demand Validation. I am attaching you the letter I send Ability Recovery Service and their response.
Product: Debt collection

I've reached out to verify the debt they will not send proof of the debt
Product: Vehicle loan or lease

XX/XX/2018, Shows late payment. I explained to them it was a electronic error automatic payment/ auto pay did not take the money out of my account resulting in a late payment for XX/XX/2018. Company Chrysler Capital.
Product: Mortgage

My complaint is that I did a loan modification sometime ago and we were fine until our interest rate started going up. That 's why we got the modification in the first place. We are on a fix income and my husband is XXXX. I reported this to XXXX XXXX XXXX. 
and now they 're saying apply for another modification! This is not fair for them to keep raising interest rate when we 're on a fixed income and pay on time every single mo. and now this will cause a hardship.
Product: Prepaid card

The Sezzle account on my XXXX shows that I still owe {$190.00}. That is not accurate. I have paid that account off in full and closed. It is updated on XXXX and XXXX but Sezzle refuses to update the account on XXXX. I want that removed from my XXXX credit report or updated to {$0.00} as the balance and closed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processing 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 42.

financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

I opened a claim on CFPB under this number XXXX I was requested by the bank to call them to start the claim requested but on the number they provided XXXX XXXX XXXX there is a record message saying " we are unable to accept this call due system restrictions '' ( Im not in the USA right now ), also I called XXXX XXXX XXXX and they can't help me because the account is closed, they gave me two different numbers XXXX XXXX XXXX / XXXX XXXX XXXX and on that phone nobody answer. 
So as you can see is impossible to call the bank for this issue. 
I have the right to request to open a claim by mail or fax, is not needed compulsory by phone. 
So please proceed as requested or give me a fax number to send this letter. 
Thanks