23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Recently checked my credit report and noticed some inaccurate and incomplete accounts reporting. Ive DISPUTED via certified mail. Please investigate and VALIDATE THAT ALL DATA for this account reporting accurately including EVERY NOTATION, DATE AND BALANCE WHETHER REPORTED OR NOT!! In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time, It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( XXXX XXXX, XXXX Agreed, Never Late ) according to consumer protection laws.
Product: Credit card or prepaid card

I paid the full amount ( {$390.00} ) of my Barclay 's XXXX XXXX Mastercard payment due on XXXX XXXX, XXXX, via online payment from my bank on XXXX XXXX. The bank confirms that the check they sent to Barclay 's was cashed on XXXX XXXX. BUT the statement for XX/XX/XXXX - XX/XX/XXXX shows {$0.00} payment for the month and therefore a balance due that includes the {$390.00} + {$27.00} late fee + interest, + new balance accrued. I spoke with " customer service '' (??!! ) at Barclay 's on XXXX XXXX, who agreed to reverse the late payment fee, but told me that it will take at least 3 weeks and likely more to " research '' where Barclay 's lost my payment. and of course, that if I don't pay the balance due ( as described above ) in full IMMEDIATELY my account will continue to accrue interest. 

I do not understand how they get away with charging me interest on money they have misappropriated from me, due to their error. 

I understand that I have no legal option other than to overpay to the tune of {$400.00}, and to do so ahead of my current account due date of XXXX XXXX. 

This is wrong and unacceptable. 
I am also being dunned in the meanwhile with emails offering to help me figure out a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to Experian yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time
Product: Money transfer, virtual currency, or money service

( I am filing a complaint against Ca

sh 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 s
ignificant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

They called my sister and brothers cell phones, then called my parents house. I returned the call to see what it was about, I then told them I was signed up through XXXX XXXX XXXX and this debt was with them and I have been making monthly payments. XXXX then began irate and told me she would contact the sheriff and tell everyone in town about my debt. I then asked her not to call anyone else in my family. I also told her I had signed up with a debt consolidation company and offered their number for her to contact them, that is what they asked I do with creditors. she refused to take the number and told me I need to learn how to pay my bills. well today, she called my old employer and told the administrator that I had debt owed and she needed to have my wages garnished, my old employer sent me a text and gave me the phone number, I called XXXX and told her again I was with the Debt program, and she called me a liar, and again I asked for a fax number to send proof and asked her not to call my old employer again, she said I have a court date for XX/XX/XXXX, which is tomorrow, and I know nothing about that and told her that, she said we are coming to your job tomorrow. the number they are calling from is XXXX XXXX XXXX please help me with this situation. it is my fault my debt got the way it did, however, I am paying a company to help me get it all settled.
Product: Debt collection

I have disputed the debt on the bases that I have not started an account on XX/XX/2022 and have the amount owed is not the correct amount.
Product: Credit reporting or other personal consumer reports

After disputing my issue with Equifax and XXXX, they reported back within a few days with saying that the issue would stay on my report and the investigation was over. That left me completely confused and struggling to figure out the next step should be
Product: Money transfer, virtual currency, or money service

Some thieves stole the identity of a friend to disguise himself via my friend 's cell # and text. Because I trusted my " friend '' I wired {$1000.00} from a XXXX to another XXXX located in XXXX XXXX, Texas. Fictious names and addresses were used. The money was picked up 10 minutes after I wired it and I am sure XXXX has video of the person picking it up. These theives are still contacting me wanting more.They took the last of my savings. I don't understand why the local police in XXXX XXXX can not be at the XXXX when she picks it up. The theives are working out of XXXX.They are stealing from a scam called " XXXX XXXX ''. They have tried before through social media and I knew that was a scam. But since my friend texted me, I trusted him, he's an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this problem with Experian and I do not feel they have look or helped me. I am a victim of identity theft and have already filed several reports with identitytheft.gov. I have mailed all letters to all credit bureaus and had contacted local PD who have also instructed me to proceed in this manner. 

My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my XXXX XXXX XXXXXXXX accounts. This has caused XXXX XXXX XXXX to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with XXXX XXXX XXXXXXXX. XXXX XXXX XXXX has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by Experian and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress, inability to open another bank account, increased anxiety, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised XXXX XXXX XXXXXXXX has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information.
Product: Money transfer, virtual currency, or money service

I received a refund from XXXX XXXX on my old XXXX XXXX account that was already closed at that time. XXXX XXXX received and kept the money without denying the transaction. I have the ARN number for this transaction. 

Claim # XXXX ARN # XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX  and XXXX  has accounts on my credit report thats not mine/fraud.
Product: Credit reporting or other personal consumer reports

The [ My ] Capital One ( Walmart ) Credit Card Accounts -- >ending in # XXXX ( Primary User account ), and # XXXX ( Authorized User account ), on my XXXX Credit Report, are INACCURATE. They are INACCURATE because Capital One no longer offer, or service, the Walmart Credit Card. Capital One has REPLACED these [ my ] Walmart Credit Card Accounts with ( XXXX  ) Credit Card Accounts. My Capital One ( XXXX  ) Credit Card Accounts -- >ending in # XXXX ( Primary User account ), and # XXXX ( Authorized User account ), are being reported ACCURATELY on my XXXX Credit Report { SEE ATTACHED } ; but, the Capital One ( Walmart ) Credit Card Accounts have NOT BEEN DELETED { SEE ATTACHED }. I am submitting this CFPB Dispute for ACCURATE Credit Reporting. This Credit Reporting Information is being reported ACCURATELY on my XXXX and XXXX Credit Reports; but NOT REPORTED ACCURATELY on my XXXX Credit Report ( ONLY ). I have tried fixing this problem with a DISPUTE directly to XXXX, but with no success.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I contacted Chase to report my card stolen. It was a bit unusual as the entire system is automated for a lost card. I navigated through the system, confirmed the last charges on the card were accurate and then was told replacement cards would be sent out via mail and I should receive them in a few days. The number I used to contact Chase was XXXX XXXX XXXX XXXX. I went out of town last week and returned yesterday. Unfortunately the new cards had not been sent. Upon calling Chase this morning I found out that they had not cancelled the account and had no record of my call to the automated system. I requested that this should be looked into further as the system appears to not have worked, leaving myself and my credit score unprotected for 13 days. I'm not expecting payment, just the assurance that the bank is actually protecting my information and credit with due diligence.
Product: Mortgage

Specialized Loan Servicing is the servicer of my Mother 's mortgage account. Loan number XXXX. I requested on XX/XX/XXXX reinstatement figures to cure the back due payments and the loan was close to being referred to F/C per the SLS customer service agent. I called the customer service at XXXX on XX/XX/XXXX and was placed on hold for 35 minutes while the customer service rep provided the reinstatement figure of {$5200.00} through the XX/XX/XXXX payment. I requested the customer service rep 's name and was told we do not provide that information or their agent number. The call was recorded and verified by SLS on XX/XX/XXXX. I wired {$5200.00} to XXXX XXXX confirmation number XXXX. I called the following day on XX/XX/XXXX and verified with SLS that they did receive the wire. The rep confirmed on XX/XX/XXXX the account was due for XX/XX/XXXX. The loan was current. 


SLS called my sister XXXX XXXX ( authorized on the account as well ) and informed her that there was a mistake made by the customer service representative. The did not collect the attorney fees or inspection fees. I've attached the transaction history along with the wire confirmation of payment. You will see on XX/XX/XXXX the total amount of XXXX was applied then days later four {$15.00} inspection fees and interest and fees totaling XXXX was applied on XX/XX/XXXX after the wire payment for full reinstatement was processed by SLS. 

I'm filing this complaint due to the error and financial hardship due to the SLS customer service representatives actions caused. The loan is now showing in default due to this issue. I contacted SLS again and they indicated that no further action would be taken to resolve my complaint. I informed them I would be opening a formal CFPB complaint due to misappropriation of funds applied after the reinstatement was accepted and verified by their company. 

Thank you XXXX XXXX ( authorized party on the account ) XXXX XXXX - mortgagor Loan number XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I discovered that XXXX XXXX , XXXX accessed and reported supplemental information about my to TransUnion, and utilized 3 services to do so : XXXX  XXXX  XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 XXXX XXXX , XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows XXXX XXXX XXXX, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.