23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

no money available once mentioned, checks n etc comes later and a percentage of my check
Product: Credit card

XXXX XXXX shows I have an account opened at Kohl 's and I never opened this account. It was charged {$1000.00} on XXXX XXXX. The company opened a fraudulent case for me.
Product: Credit reporting or other personal consumer reports

This XXXX collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Debt collection

When we moved from XXXX to XXXX, and transferred our service, XXXX charged a {$68.00} equipment fee even though equipment was returned to XXXX. We continued to have XXXX service in XXXX. On several occasions when I called XXXX they said they would waive the {$68.00} fee, but they had apparently turned it over to a collection agency. To date XXXX has not corrected the problem. Poor customer service on XXXX 's part by not following up on their commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Equifax inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have a checking account with Ally Bank. Shortly after opening the account, I made my first deposit ( direct deposit of my paycheck ) and made my first payment from the account to my apartments for rent. Within a few days, my account locked out. Online, it said that my username had been blocked. No reason was given. I've called Ally no less than 4 times since then, and they will not give me an adequate reason for why I can not access my funds. They claim that it is because of potentially fraudulent activity, which I am happy that they take seriously. But, I can prove where all the money in my account comes from ( deposit slips, etc ) and they still won't give me access. Literally, they have given me no clue as to how long the problem will take to resolve. When I ask them how I am going to pay my rent, buy groceries, or access my money for any other reason, they tell me I'll have to wait for the investigation to complete, again giving me no information on how long the investigation will take. When I ask them if I can talk with the investigation department, they say no. 

I am very frustrated because I have XXXX recourse for solving. I am stonewalled by their fraud department, who is a total dead end for this problem, who will not even give me a hint as to when the problem will be resolved, and who will not give me an answer for how I access my hard-earned pay. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

My online account with Ally would not allow me to make online payments to pay my balance ( monthly payments of {$370.00} ). I reached out to an agent of the Ally auto who suggested I make the payments through money order and send them via mail. My car was repossessed a few weeks later ( XXXX XXXX ), although I have been consistently sending payments through usps mail. After speaking with Ally agents on the phone, I was told that it takes two weeks up to a month to process the payments via mail. This caused my balance to remain up, even though payments had been sent for my account. I have written documentation of trying to get this problem resolved with Ally Auto, and I have evidence of payments sent for the balance. My car was taken due to payments not being processed by the company system. The reason was not because of me not paying.Also during the repossession there was a breach of peace. I was threatened with more fees by the driver and he disconnected my car battery. The driver also may have damaged the car as he towed the car from the wrong end as it is a forward wheel drive. Furthermore, the contract agreed by me and Ally was violated as well. According to law this repossession was illegal conducted.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I authorized a payment of {$220.00} to my PayPal Mastercard. I have a PayPal account that's over a decade old and is separate from the PayPal Mastercard account, although I can view both in the same webpage. Recently, because of some chargebacks from a scammer, my account has a negative balance of {$1700.00} and is thus limited. I received an email on XX/XX/XXXX that {$1900.00} was debited from my personal bank account, in the form of a PayPal eCheck, an amount I did not authorized. The reason PayPal was able to do this is because they will not allow me to remove my linked bank account from the my PayPal account. I confirmed with the bank that issued the PayPal Mastercard that only {$220.00} was authorized to make a payment and not the additional {$1700.00}. I contacted a PayPal representative and all I was told was to contact my bank about the issue since PayPal can't do anything. In this link here : https : //www.paypal.com/us/smarthelp/article/will-paypal-have-the-ability-to-withdraw-funds-from-my-bank-account-without-my-permission-faq1148 PayPal states that they will not withdraw funds from my bank account without my permission, which is clearly not the case here. 

I am making this complaint today so that others will learn from my experience and I will demand PayPal remove my bank account linked with my PayPal account.
Product: Debt collection

The name of the collection agency is Portfolio Recovery Associates. They are constantly calling me in reference to a XXXX XXXX credit card that I had over eight or nine years ago. I am XXXX. I have no income, no social security disability, no welfare checks, no nothing. The original balance of the debt was {$500.00}. Since the account was closed because I couldn't afford the payments, it was sent to collections. I understand the policies and procedures regarding this action. However, I have also disputed the amount and have received no written verification of this debt from the original creditor as requested numerous times.

This company calls my home 3-6 times per day. I have tried blocking the number, but unfortunately, they just change it and my telephone carrier only allows me to block a limited number of callers. Therefore, I can not block them any longer because they keep transferring it to different locations with different area codes. 

It is stressful and harassing. I am completely and totally XXXX, living off of a family member to survive as I do not qualify for SSD. This company is ruthless in the pursuit of a {$500.00} debt which is old, way old, and should have disappeared off of my credit report already.
Product: Mortgage

I asked Pennymac for a loan modification. They denied me and then sent me a letter stating that i needed to pay and additional XXXX dollars on top of the XXXX i already pay. They said if i dont agree, they will start the foreclosure process. I only take home XXXX a month. I have no idea where this is coming from. I sent them 2 pay stubs and 1 one them had a large commission amount on it, which i used to pay off all of my CCrds. I was in forbearance last year due to covid. They must think that the commission i received was part of my normal salary. i need help. I dont know what to do.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and open an account in my name. I have disputed this account several times and sent a ftc report to support my dispute.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

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 Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written notification to the consumer within five business days of the reinsertion.

2. Certification from the information providerindicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Take necessary measures to prevent future improper reinsertions.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly Thank you in advance for your prompt attention to this critical matter. 

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

I entered into a 5 year Chapter XXXX Bankruptcy Plan on XX/XX/XXXX and completed or discharged successfully on XX/XX/XXXX. However, upon receiving a copy of a new/updated credit report I'd noticed that one account with XXXX XXXX   inaccurately shows that I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX which is totally false. I have not filed any other Bankruptcies and in fact I have advised Experian of this on several occasions in the dispute process with them ever since. After disputing this a second time over the phone I was provided a report number of XXXX for XX/XX/XXXX dispute which resulted in NO CHANGE once again. I have provided to them a copy of the letter sent to me by XXXX advising that his account was in fact PAID IN FULL. I have no other means of proof to provide. This is hurting my credit score tremendously as well as my chances of owning a new home. I would like to reiterate the fact that I have never actually filed a Chapter XXXX in the court of law. The only Chapter ever filed was a Chapter XXXX which again was discharged XX/XX/XXXX and I am over 5 years removed from this chapter of my life and should actually be on the road to credit recovery. XXXX and Experian have inaccurately reported to the bureau this misinformation and have also failed to provide me with the proof that I even filed a Chapter XXXX which I never did. I would like for this matter to be swiftly and efficiently resolved in a timely, fair manner but they are refusing to do so. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Wakefield and Associates- {$1900.00} - I don't recognize this account and have no information pertaining to this account. 

I have disputed this account to the credit reporting agency several times, asking them to please provide original account statements from where this account originated, to no avail.
Product: Debt collection

In XX/XX/XXXX, I was the victim of identity theft. I experienced fraudulent credit card charges ; additional, facetious addresses included in my credit report ; and unlawful withdrawals from my XXXX XXXX checking account. As a result, I closed out of all of my existing credit cards, contacted the credit reporting agencies that facetious addresses had been added to my account, and closed the XXXX XXXX checking account in question. I placed a credit freeze on my account with the major credit reporting agencies as well. Since then, I have had continuous derogatory collection reports appear in my credit reports approximately every 6 months to a year for a charge to XXXX XXXX XXXX XXXX for {$4600.00}. I never made a purchase from XXXX XXXX XXXX XXXX and never had an XXXX XXXX XXXX account in my name. In XX/XX/XXXX, I filed an identify theft report with the FTC ( through the CFB ). About one and half to two years ago, I filed a police report about this false item on my credit report when the collection from XXXX XXXX XXXX XXXX appeared on my credit report for the third time. The police report was filed with the XXXX XXXX police in PA where I resided at the time. On XX/XX/XXXX. XXXX, I was notified of a debt collection for the same fraudulent charge made to XXXX XXXX XXXX XXXX for {$4600.00}. The name of the debt collection agency has changed over time. This time the collection report was filed by Credence Resource Management. It is possible that this same company has reported this fraudulent debt on my credit report before. Note that never once was I contacted by XXXX XXXX XXXX XXXX about this debt. I have tried to deal with this problem directly with XXXX XXXX XXXX XXXX before, but since I have no details of the fraudulent transaction, they indicated they could not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 44 days and I still have not got a rebuttal of any kind in regards to this matter. 
I am sure that I am being taken advantage of and being totally ignored of my disputes. My information was also impacted by the Equifax data breach and may have been compromised as a result. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 44 days, so it should be deleted instantly. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me.
Product: Credit reporting

there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX Transunion XXXX XXXX XXXX XXXX 3 times XXXX 2 times network crs XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information
Product: Mortgage

In the beginning on XX/XX/2018 I called to refinance my loan. I was advised by ditech that my interest rate on the current loan was too low and I should have ab appraisal done when my loan reaches 2 years. In XX/XX/2018, icalled ditech and they asked that I send them ab email. I sent an email requesting they remove the pmi form my loan. They sent an appraiser XX/XX/2018. I recieved an appraisal that my house value increased {$35000.00}. Ditechs denial letter states that the value of my house has declined. They sent me in writing a factually incorrect reason for denial wilfully and with full knowledge that my property had not declined in value. I am happy to forward any documentation requested XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have communicated several times with you ( Experian ) concerning the persistent presence of inaccurate information on my credit report. Despite multiple notifications highlighting these errors, you persist in reporting incorrect details within my file. This situation not only raises concerns about fairness but also suggests potential violations of legal standards, making it imperative for you to promptly fulfill your obligation in addressing this matter. According to regulations, you ( Experian ) must take corrective action in response to my request. 

I am formally requesting a detailed description of the procedures employed by you ( Experian ) to determine the accuracy and completeness of the XXXX XXXX account in question. Additionally, if no information related to this account can be produced, I request that it be blocked and deleted from my consumer report. I anticipate the implementation of this corrective action within four days from the date of receipt of this notice. 

Your prompt attention to this matter is greatly appreciated.
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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

I received a brand new Wells Fargo XXXX credit card and did a balance transfer on their website for {$3700.00} that was processed on XX/XX/year>. I received a letter in the mail confirming the transfer after entering my account and routing number. The letter confirmed that the transfer successfully went through but I didnt receive the money up until this day. I have spent so many hours speaking with Wells Fargo about the transaction. The transfer didnt go into my XXXX account and instead went to XXXX XXXX XXXX XXXX XXXX XXXX. They have also been uncooperative in helping me located the transfer. Ive emailed many of the executives about the issue without any response. Chime bank claims they never received the transfer. Wells Fargo is telling me their credit card transfers can only be transferred to another credit card or to one of their checking accounts. I transferred from their credit card to my XXXX checking account. I now have outstanding credit card debt with Wells Fargo for money that I never received. Ive worked tirelessly to work with all parties involved. Wells Fargo insists the money is at XXXX and is telling me that I have to get them to send the money back to me, yet it has been impossible to get the support that I need when I call XXXX. I really need help with this. Its an extremely distressing situation here. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  & Transunion over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! XXXX  and Transunion are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is XXXX   & Transunion verifying it as accurate??
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Needs to be removed do not have an account XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments Needs to be updated to OK or Paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

The address listed on the account is not an address I have ever lived at. I sent a letter to ask for verification of the debt and the 'bill ' I was sent showed an address that does not belong to me.
Product: Debt collection

I just recently paid all payments to the debt collector called XXXX, for creditor XXXX XXXX. I requested a SETTLEMNT LETTER as proof the account has been Paid in full as of XX/XX/XXXX. This company will not send the SETTLEMENT LETTER as of today. What should I do now. The total amount was {$3000.00} starting in XXXX on XX/XX/XXXX. 

Thank you for your help