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

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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Product: Mortgage

I have been trying to resolve this matter with Wells Fargo for over a year. We keep getting the run around from the mortgage loan department. I requested mediator involvement and the loan department XXXX XXXX setup that meeting with a representative from the mediator division that did not handle mortgage loans. The bank representative has ignored my complaint about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time, that Equifax has ignored my complaints regarding the XXXX item that appears on my report. On XX/XX/22 citing the Fair Debt Collection Practices Act ( FDCPA ) I requested validation of the debt and received nothing from Equifax to prove the debt. I then filed a complaint to have the items removed on XX/XX/22 seeing as validation had not been provided in the timeframe allotted and again on XX/XX/22 and finally on XX/XX/22 I sent an admission by silence letter ; indicating they failed to validate the debt FDCPA violation ; they continue to report a disputed debt to CRA which is an FCRA violation. Admission by silence meant they had a legal duty to defend their position and failed to do so ; thereby damaging my character. I am requesting that Equifax comply with the law ; since they can not validate the debt they delete it.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against [ TransUnion ] regarding the inaccurate reporting of late payments on my credit report. Despite my previous attempts to resolve this issue directly with the credit bureaus, my requests for correction have been ignored, and I have not received any satisfactory response or explanation regarding the verification of these payments. 
Details of the Complaint : * Account Information : [ XXXX ] * Late Payment Entries in Dispute : [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ] Summary of Actions Taken : XXXX. Dispute Letters Sent : I have previously sent letters to [ TransUnion ] requesting the removal of incorrect late payment entries. Copies of these letters are attached for your reference. Tracking number : XXXX XXXX. Verification Request : I requested verification of these late payments from [ TransUnion ] but did not receive any documentation or a satisfactory explanation of how the information was verified. Tracking number : XXXX Supporting Evidence : * Verification that payments were made on time is attached. This includes bank statements, payment receipts, and other relevant documents. 
Legal Grounds for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681i, credit bureaus are required to investigate disputes and correct inaccuracies. Despite my clear documentation and requests, [ TransUnion ] has failed to meet these requirements. 
XXXX. Reasonable Procedures : The FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ( b ) ). Their failure to verify the accuracy of disputed information constitutes a breach of this obligation. XXXX. Failure to Provide Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), credit bureaus must provide consumers with the information used to verify disputed entries. [ TransUnion ] has not complied with this requirement.

Request for Action : Given the continued inaccuracy of the reporting and the lack of proper response from [ TransUnion ], I am requesting the CFPBs assistance to ensure that : XXXX. The incorrect late payment entries are promptly removed from my credit report. 
XXXX. [ TransUnion ] provides a detailed account of their verification process for the disputed entries. 
XXXX. Appropriate measures are taken to prevent future violations of the FCRA. 
Please find attached all relevant documentation and correspondence for your review. I expect a prompt resolution to this matter and appreciate your immediate attention to this serious issue.
Product: Debt collection

The debt collection company " Transworld System Incorporated '' call multiple times a day. They use multiple different phone numbers to make it look like it's a different company calling through out the day. Every time I block one number on my phone they call with 3 different numbers. I have not answered and told them not to call yet but I shouldn't feel anxiety  and fear every time a new number shows up. I'm waiting for calls for job opportunities so I have to answer every time they call but there is usually a lag between when I answer and say hello and when they start talking to I usally hang up if someone doesn't start talking right away. Also the voicemails on my home phone are all in robocalling voice. It is never a real person for me to even tell not to call
Product: Debt collection

Hello, You have filled two lawsuits against me for 2 separate accounts. I have no knowledge of either of these accounts. I would have taken care of them if they were mine. I have been trying to dispute these off my credit report. I would like copies of the contracts with my signature showing I agree to pay these amounts by the original creditors you have reported for. I know I havent signed another with you or the original creditor. The contracts will show if it is my signature or not. I would like to get this matter taken care of. 

Thank you
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I received instacash in the amount of {$100.00} in my roar money account. I then attempted to utilize money lion 's turbo transfer option to send those funds to my debit card which had been previously connected to my account. I initially received an error message, but attempted the transfer a second time and got confirmation via the app that it was successful. The funds were debited from my roar money account and the transfer is supposed to take place within minutes. It has not. The funds were never credited to my other debit card account, they are not in my roar money account and Money Lion still shows me as owing them the money even though I never had use of the funds. I tried seeking resolution that same day via support chat and over the phone but to no avail. I have yet to be contacted with any updated status and the funds have yet to show up anywhere. I never had use of the funds and therefore, do not owe this money. I either need to receive the funds or have the instacash loan written off as a result of their failure to send the funds properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.
If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA  accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.
Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue arose  in 2013 and I have my attorney contact this company for reporting this on my report without informing me of this activity which is against the law. I have never gotten any notices or calls from Hunter Warfield regarding this balance and they have no record of reaching out to me either. This was all taken care of in 2013 and  now it is resurfacing again without any notice from the agency again.     Please take this off my report as this issue has been resolved legally.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute the actions of [ XXXX XXXX XXXX account XXXX XXXX / XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ XXXX XXXX XXXX account numbers XXXX / XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ XXXX XXXX XXXX account numbers XXXX / XXXX ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit.

2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F.

3. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ XXXX XXXX XXXX account numbers XXXX / XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection. 
4. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ XXXX XXXX XXXX account XXXX XXXX / XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ XXXX XXXX XXXX account numbers XXXX / XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ XXXX XXXX XXXX account numbers XXXX / XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ XXXX XXXX XXXX account numbers XXXX / XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

Called this evening to inquire where my U.S. Bank card is. I previously was with XXXX XXXX  before the merger. XXXX, the representative was very nice. She informed me that my card was mailed at the end of XXXX. She also informed me that it was not active and that she would cancel the new U.S. bank card and expedite the issue of a new one. She informed me that I would still be able to use my XXXX XXXX  card until I received my new U.S. bank card and activated it. I hung up, pleased with the customer service. 

I went to XXXX an hour later-my card was declined 3x. XXXX cancelled the wrong card. I am unable to use my XXXX XXXX  now and now have to wait until the expedited card comes in the mail. 

My problem is this-I also needed to pick XXXX medications for my mom, as she has XXXX. I was unable to do so because the U.S. Bank representative cancelled the wrong card. I called, very upset and spoke with XXXX, who actually ended up upsetting me more. I had to repeat my XXXX bank card number atleast XXXX, my full social security number atleast XXXX received no apology, I asked for a supervisor or a manager-I received the generic number for U.S. bank. I received no resolution. I was not able to pick up my moms XXXX meds because of the error of U.S. Bank.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : XXXX XXXX XXXX Venmo for Inadequate Response to Fraudulent Activity Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo, a financial technology ( XXXX ) company, for their failure to take appropriate action following a scam that resulted in a personal loss of {$200.00}. This incident occurred on XX/XX/2023, when I attempted to purchase tickets for a XXXX XXXX game through the XXXX marketplace, utilizing Venmo for the payment. 

Details of the Incident : The scammer promised to electronically transfer the tickets upon payment confirmation. 
After sending the payment, I was informed that the funds were on hold for 21 days and was promised a refund, which was never received. The scammer then requested an additional payment to a different Venmo account, which I recognized as fraudulent and did not proceed with. 

Despite providing Venmo with detailed information about the scammers, they failed to take any action in returning funds. Venmo knows these are fraudulent accounts, yet does nothing to protect the general public from them. Inaction is action as Venmo is now complicate in the fraud. 

Key Issues : Venmo 's Failure in Addressing Fraud : Venmo 's lack of action in the face of clear evidence of fraud is alarming, especially considering their access to KYC information and ability to track fraudulent accounts. 

Lack of XXXX XXXX : The XXXX sector, including Venmo, operates with minimal regulatory oversight compared to traditional financial institutions, leading to a neglect of consumer protection responsibilities. 

Inadequate Privacy Policy and Terms : Venmo 's terms and privacy policy seem to prioritize their interests over consumer rights, highlighting the need for regulatory enforcement of fair business practices. 

Reference to Federal Case : I would like to bring to your attention a relevant case : On XX/XX/2023, the CFPB fined XXXXXXXX XXXX  {$9.00} XXXX for their inadequate handling of fraud disputes and denial practices. This serves as a precedent for the necessity of holding financial service providers accountable for consumer protection. 

Request for CFPB Action : I urge the CFPB to thoroughly investigate Venmo 's practices in handling fraud complaints and to evaluate their approach to consumer protection. 
This incident underscores the need for greater regulatory scrutiny and consumer protection measures in the XXXX industry. 
I am willing to provide further details and support the investigation, including signing an affidavit to verify the authenticity of my claim. 
I trust that the CFPB will address these concerns with the seriousness they deserve and initiate appropriate actions. Thank you for your attention to this urgent matter. 

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

On XX/XX/XXXX, the Banco Popular De Puerto Rico ( BPPR ) inquired my credit ( XXXX  ) in request of a personal loan together with my wife. In the credit report 2 inquiries appear dated XX/XX/XXXX and another one dated XX/XX/XXXX, I make a claim in the same week of XX/XX/XXXX of the double inquiry with the BPPR ( Number of claim XXXX ) and the response to the claim was favorable to my person for which the BPPR promised to request the elimination of the inquiry dated XX/XX/XXXX. 
I ended the situation in the month of XX/XX/XXXX when I reviewed my credit report in the month of XX/XX/XXXX I find that the double inquiry was still in my credit report with XXXX to which I proceeded to make another claim, the BPPR 's response was that it had already been requested in the month of XX/XX/XXXX and they returned to commit to carry out the procedures for the elimination of double inquiry. From XXXX to the present I have made multiple attempts for the BPPR to take action in what they committed to me, I opened 3 additional claims : a : XXXX, b : XXXX and c : XXXX. The person in charge of processing the elimination of double inquiry is XXXX XXXX XXXX from the claims department. 
This situation is affecting my credit report since my score is affected by an inquiry that should not be there. I made multiple calls to BPPR customer service and the only answer I had was that they would make notes to the claim and that I would be called in 1 week ( twice I got that answer without actions from BPPR ) so I decided to open a complaint to CFPB so that My business can be addressed. 

Thanks
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally request the removal of any fraud alert or any security freeze and any associated status from my credit file. The specific entries I am requesting to be removed are as follows : Credit File Status : Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes I believe these entries were added to my credit report erroneously and are no longer necessary. I have taken all necessary steps to secure my credit information and ensure the accuracy of my credit report. 

Please ensure that my name is correctly spelled as XXXX XXXX XXXX, with the correct date of birth XX/XX/year>, and the correct address XXXX XXXX XXXX, XXXX, FL XXXX. Kindly make sure these are the only name and address that are reporting on my credit report. Additionally, please ensure that both of my jobs are reporting accurately : XXXX 'S XXXX XXXX XXXX and XXXX XXXX XXXX 

Please find enclosed copies of my identification documents and any relevant information supporting my request. I kindly ask that you process this request as soon as possible and provide me with written confirmation once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX  I have filed a complaint against Bank of America for opening an unauthorized card in my name. 

XXXX XXXX XXXX XXXX In the end, Bank of America admitted that the employee opened a card in my name without my permission as the recording showed that I declined on 5 different occasions. 

However, the supervisor had the card closed out at the credit XXXXXXXX XXXX with the false statement that client ( me ) requested the card to be closed, while i never ordered a card so that should have been closed out as Bank of America unauthorized opening a card in my name. That caused my credit score to drop down by XXXX points resulting in higher interest charge for a mortgage I was going to apply for and ended up not getting due to the additional cost. But i got a private loan instead. 

I have spent today almost 2.5 hours and have been transferred numerous times to the wrong department to see if I'm included in the compensation that Bank of America is ordered to pay out for unauthorized credit card and other wrong doings. 

Since even the 4th transfer was to the wrong department, I felt I have no other choice than to file a complaint as I don't have all day to try to speak to the right department. Please have Bank of America reach out to me. I have the complaints that were filed through this website on file, and they are showing that what I'm communicating is correct.
Product: Bank account or service

i was charged an overdraft fee twice by bank of america when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop the check.
Product: Vehicle loan or lease

Purchased a used truck through a loan with Leaders Financial in 2020. Completed the term of the loan with some late payments and paid the additional fees for late payments. The company is still charging me additional interest on the loan even though I paid ALL LATE FEES and made my last payment on the month it was due. They are calling it additional interest on the loan because of late payments. 

I feel it is unfair to charge me a late fee as well additional interest on a loan that did not go past the intended completion date. I consider it double dipping. Apparently, I am not the only person they do this to as the customer service rep that I spoke to stated that they get a lot of calls about this same issue.