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

I looked at my report back on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. U.S. DEPARTMENT OF EDUCATION Account # XXXX these account are not fraudulent accurate because late date report, date last active, last payment is not correct. 

They have not responded to me here is my tracking number : XXXX Can you look into this matter Delete XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. U.S. DEPARTMENT OF EDUCATION Account # XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Transunion to delete negative information from my report. Transunion send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under the Results column.
Product: Credit reporting or other personal consumer reports

I try to open up a bank account and I couldn't because that I was in XXXX for accounts that I did not open, so I want to report fraudulent checking account and savings account openings.
Product: Checking or savings account

Online payments made from XX/XX/XXXX through XX/XX/XXXX as identified by bank statements, The recipient of the online payments says she did not receive the funds. I am asking the bank to provide me the information of who and when the funds were withdrawn and the financial institution and account number of the recipient of the funds. The fund total is {$25000.00}. The bank statements only says the recipient of the online payment and the reference number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXX 2 ). XXXX  : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXXXXXX 2 ). XXXX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. Experian : a. XXXX XXXX b. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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 XXXX  days before the payment due date. 


XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XX/XX/2023 Do not recognize this inquiry and need it removed.
Product: Checking or savings account

I receive direct deposit from my employer and Capital one bank said they have been having technical difficulties since Wednesday causing me to not receive my paycheck today XX/XX/year>. I called them today and was on hold for over two hours and when I finally got to a representative they said the bank was working on the issue and had no eta when my paycheck will be deposited to my checking account. Due to this my bills are not getting paid since capital one is holding my deposit and saying technical difficulties. This has caused stress and worry about not being able to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Prepaid card

I obtained this gift card from my job and I tried to use it immediately, but every retailer i tried using it on was declined, soI called American Express customer support on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I called the solution was to not use it at whatever retailer I was trying to use it for.
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 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, and I seek appropriate redress for these incidents
Product: Credit reporting, credit repair services, or other personal consumer reports

By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!
Product: Payday loan, title loan, or personal loan

I applied for a {$6000.00} Loan from Main One, XXXX XXXX, XXXX, South Carolina., XXXX 2018 and could not see at the time thru the need of XXXX XXXX. Had the XXXX XX/XX/XXXX, 2018.. went over Loan agreement which is at 35 % ..But they are trying to charge me {$12000.00} on a {$6000.00} Loan ....
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX XXXX regarding a collections account for XXXX XXXX. I believe there is a misreporting of the amount owed. 

The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX Amount Reported : {$1100.00} I am requesting that this item be removed entirely from my credit report or that you provide me with proof of the debt, including detailed information such as dates of purchases and amounts for each purchase. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible. I appreciate your prompt attention to this matter. 

Sincerely XXXX XXXX
Product: Mortgage

First complaint XXXX Now complaining again! Called XX/XX/XXXX talked to a loss mitigation representative, said loan was under ASSUMPTION since not dead can not assume, was told this last XX/XX/XXXX,  have letters stating that and want loan modification, have askind also for copies of loan documents since XX/XX/XXXX then rep said email to a different department! received a letter dated XX/XX/XXXX that was in process! but nothing! RESPA stats have right to receive all signed copies of loan documents and in california modification has to be reviewed have sent more than one time, inclosed are just some of the proof and yet know one can get the modification under review when all paperwork was faxed in a timely manner! DONT LIKE COMPLAINING but nothing gets done with this company! XXXX XXXX on LOAN -- I XXXX XXXX have POWER OF ATTORNEY AND ON TITLE! ( had to refax more than 10 times )
Product: Debt collection

I canceled my insurance policy after paying the policy and term in full ending on XX/XX/year> with XXXX and moved to XXXX XXXX. The account was on auto pay and was paid in full. I called and canceled the policy. 
I disputed the charge previously and it was determined I did not owe the debt and the collection was removed. Months later it was put back on my report and Ive re disputed it with no results or call back or removal
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX 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
Product: Credit card

XXXX. On XX/XX/XXXX, the fraudster charged a XXXX XXXX ( {$1300.00} ) to our credit card ending in XXXX ( now cancelled ). The TV was picked up that day at the XXXX store ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). The next day ( XX/XX/XXXX ), the TV was returned, and a credit of {$1300.00} was supposedly issued to our credit card. The charge on XX/XX/XXXX appears on our bank statement, but the credit does not. 
After we reported the fraud to our bank, XXXX initially credited us the {$1300.00}, but in our last card statement they have again charged us the {$1300.00} because we can not prove that we did NOT pick up the TV. There were three other fraudulent charges in the same time period for airline tickets ( probably the same fraudster ), but XXXX XXXX has credited us for those airline charges, so we are not disputing them. 

I have had 4 or 5 conversations with the Best Buy fraud and customer service departments, but was told I would not get a refund from them. I was told repeatedly that they identified the fraudster and gave him a gift card for the amount of the TV ( is this standard practice at Best Buy!? ). The departments have also told me several times that I would get an email in 24 to 48 hours describing the fraud and steps to take to get a refund, but no email has been forthcoming. 

The Best Buy fraud department created a case ID numbered XXXX and the Corporate Offices created a case ID numbered XXXX for this fraud. They obviously will not share those with me, but they can share them with law enforcement. The identity of the fraudster is supposedly in those documents. 

I am attaching three emails sent to my wife ( she has never had an account at Best Buy ). One shows the confirmation of the fraudulent order. A second one shows that the order was picked up. A third one shows that the TV was returned the next day and a refund issued to our credit card ( which never appeared because the fraudster got a gift card instead ). Another email, not uploaded, indicates the fraudster got a XXXX XXXX XXXX with the gift card ( the corporate customer relations person told me that the XXXX XXXX was picked up at the XXXX store ). I am also attaching a copy of our XXXX XXXX statement showing the fraudulent charge on XXXX XXXXXXXX XXXX
Product: Credit reporting

On and off for the last year I have been unable to obtain my Equifax score and report. I pay monthly for their service. I have called numerous times and spent countless hours on the phone. Most people ca n't help me. XXXX XXXX has helped, but has told me if I keep using the service THAT I PAY FOR, that " they will take it away from me ''. So they continue to lock me out from access to my report, but continue to charge me. This is fraudulent. I want access to the product I pay for.
Product: Debt collection

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MA SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX Re : Acct #XXXX 
To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE XXXX $ This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : Your Name ( printed never sign ) Your current address SSN P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Checking or savings account

I open a checking account of this M & T Bank at XXXX XXXX XXXX of XXXX but now it been closed. So, i visit other branch in Downtown in XXXX XXXX. Aside from checking, i open a savings account and they also give me a credit card too. Because, i have no time to go to other bank near to me i decided to open a CD year XXXX. When i open my account on this bank they tell you a good product and services they offered like you are Protected for OVERDraft fees if you open other account servjces you have. As we all know we have no time to read the detail terms and condition you signed. IN SHORT the people in the bank will NOT give you the Pros and Cons if your savings become lower to the minimum balance or if you used your checking account without funds evendo you have money in your other account like savings and a credit line they offered to us to save my overdraft, now the {$12.00} overdradft fee became a transaction fee this is what the Agent told me name XXXX I call today XX/XX/XXXX at XXXX XXXX to dispute this {$12.00}. 
I issued a check the amount of {$98.00} XX/XX/XXXX but my remaining funds that time is around {$53.00} plus then the M & T bank automatic they charge on my M & Tbank that connected to my all accounts ( checking, savings ) i check my accounts last night and i found out the transfer of the personnel bank to my account using the credit card to cover my short of {$43.00} plus ( XX/XX/XXXX ) transaction and additional {$12.00} ( XX/XX/XXXX ) therefore they charge me the total of {$56.00} plus. Therefore, when i online and find out the charges i immediately pay on this amount and hoping on next day i call the bank to ask for the refund or waive my {$12.00} overdraft fee which is am disappointed that they can not refund this charge! This is the 2nd time they charge me for overdraft and never get the refund because they say i have no savings account at the time year XXXX and the credit card covered my short funds. Although, they said am protected by the overdraft fee if ihave a credit account from their bank. And, now they give me other reason the overdraft fee that they charge because i make a online transactions which is a fee!!!! This bank have many victims because of they terms and condition that not reveal to the consumer. This institution used our money and at the same time LEGALLY FRAUD the consumer of their small print and deceitful Terms and Condition and POLICY of the Corporate scammer bank institution. Am, sorry if i say this, am so upset this charge {$12.00} is already big money, especially i earn $ XXXX hour only just rely on the tip of the customer that i work for. 
Hopefully, you give your time and attention to my complaint and hoping they give as consideration being a long time customer. 
Thank you.
Product: Mortgage

the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. 
we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. 

despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Credit card or prepaid card

I was billed a total of {$890.00} on two statements from a vendor who had my charge information for services I never received, were duplicated, or overcharged. I sent a letter to Synchrony bank ( credit card bank ) disputing the charges on XX/XX/2023 and a second request of the same letter at the end of XXXX. It is now the end of XXXX and I still have not received a response. The letters were sent to Synchrony Bank XXXX XXXX XXXX XXXX, Fl. XXXX. I do not have an address for the vendor ... .name of XXXX XXXX XXXX XXXX .only dealt with them by phone as a referral from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX NJ. The vendor 's telephone number was XXXX. I've used the term " WAS '' because later phone calls to this number were unanswered or followed by a recorded message stating that this number is no longer in service. Persons I spoke with at XXXX XXXX XXXX XXXX were XXXX and XXXX ... .never gave me a last name or address. Please help me get some or all of the {$890.00} back. We are XXXX citizens in our XXXX 's and XXXX 's and every penny counts for us. Thank you