23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Product: Checking or savings account

Wells Fargo was always debiting my account for fees for no reason XXXX and XXXX dollars worth a week
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 DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX  has violated my rights. 
DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bankruptcy 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 a account without my written instructions
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 proce 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 anyone financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reported to XXXX Experian and XXXX the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

XXXX XXXX
Product: Debt collection

I have sent a dispute letter to the company and they have not complied or sent back any type of information to have this account removed. This account is not even mine and I have no ownership of the collection. The dispute was made against XXXX. 

Alleged debt- Firstpoint Coll Reso Opened on XX/XX/2019 amount {$370.00} Original Creditor XXXX XXXX
Product: Mortgage

I refinanced my loan with Wells Fargo. It was a nightmare to begin with, but finally we closed in XXXX First payment was due in XXXX. When I got paid on XXXX XXXX I signed in to the website to pay my payment and noticed that it said XXXX XXXX was due date. I contacted Wells Fargo TWICE to verify without a doubt that I did not owe until XXXX XXXX. I was assured both times that I did not owe until XXXX XXXX so I paid off another debt and used the rest to buy things for our baby that is due XXXX XXXX. On XXXX XXXX I get a delinquent tax notice in the mail, even though when we closed it was time to pay taxes and my escrow account had the funds in there AND with the refinance they set aside money as well. I contacted my county, they said that they were not paid. I immediately contacted Wells Fargo and was told that the check was mailed out on XXXX but it had not cleared. I contact XXXX Co again, and they have nothing. The next day, on XXXX XXXX, I get an email from XXXX Co that says they have been paid. I assumed the check was located. Then on XXXX XXXX I get an email from Wells Fargo saying my tax documents had been corrected. I sign on to the website to see what was corrected only to find that I am now 18 days late on my mortgage payment ( the one that is not supposed to be due until XXXX XXXX according to 2 different customer service reps - I still have the emails so its in writing ). I was also charged a late fee. It appears that they never actually paid my taxes like they said, instead they applied the tax money to the account. However, how would I know that when the activity shows the amount held out and they told me that they had sent it? Now I owe a payment that I can not pay until XXXX XXXX at which point I will still be one month behind, 30 days late, incur yet another late fee because XXXX will also be 30 days late and this will be a continuous cycle going forward, every month I will be 30 days late, every month I will pay a {$53.00} late fee, and every month it will continue to destroy my credit. None of this is because of my own actions. I took every measure to ensure that I was not spending money that I owed on that month. I was assured that through the refinance there was left over funds that were applied which is why that payment was not due.
Product: Mortgage

I started calling Chase Bank on XX/XX/XXXX, to retrieve a copy of my XX/XX/XXXX Mortgage Interest Statement. I have been given the run around and as of today nothing has been done. I have n't received any call back which I have called XXXX times now. Each time I call, I get someone new with total different information. I fax a letter to the XXXX XXXX XXXX on XX/XX/XXXX, regarding my compliant with his executive office and bad customer service I have experience with a month now. I was mailed the incorrect documentation after faxing a prior year of the same statement. I called on today and was told to call XXXX which I did and they could not help me at all. I was then referred to CFPB to file a complaint against Chase Bank. I advised Chase rep that I needed this statement for auditing purpose and its imperative that I have it. I was given an extension and it 's now running out and I still have yet to retrieve this document from Chase. My issue is trying to get a Mortgage Interest Statement for XX/XX/XXXX.
Product: Vehicle loan or lease

Credit Acceptance is in violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information. Lenders are required to sell repossessed vehicles in a commercially reasonable manner, meaning they must be sold in the same way as other cars and for average market price. Unfortunately, I still have the car in my possession over the last several years. They have reported to my credit report a past due balance on my credit report.. I have called several times to have this car returned in 2018. Yet, this company hasn't done anything and continue to report a past due and late balance to my account. They haven't attempted to pick the car up.
Product: Credit card or prepaid card

XXXX doesn't work for processing the new Economic Impact Payment Cards being sent out by the US Government.

FISERV and Money Network dropped the ball. 
I received an EIP debit card in the mail yesterday. 
I called XXXX to activate the card and assign a PIN - no problem. 
I registered as a new user at XXXX. Got a dozen different emails about Login ID and passwords with no real problems until the final step : The system said I would be sent an email with a validation code that I would have to enter before I could go any further. The email with the code never arrived. I went to bed. 
The next morning, 8 hours later, the email arrived with a 5 minute window for use. 
I missed the window. Tried again - same thing. 
I called customer service. They said " The system is broken - we don't know if it will ever be fixed. Try going to your bank. '' Folks. if the government is going to partner with a XXXX dollar service company they ought to at least get some assurances that the systems will be tested before sending out XXXX XXXX debit cards. 
ACCOUNTABILITY!
Product: Credit card or prepaid card

I was trying to buy a laptop at Best Buy. There was a sign advertising 10 % off of you opened a card that day and the rep sold it to me. He opens a credit card with citi on the phone and I am approved. Then we go to try to use it, and citi says they cant verify my id after having just taken all my information to open a credit line in my name because I bank with XXXX  and not citi. I asked the guy how often this happens that someone opens an account and cant use it. He said often. 

During the application process on the phone, they collected my social security number and replayed on speaker phone to the whole department. 

I ended up paying with my own XXXX  credit card at full price even though citi now had collected all this information on me which they will likely now sell and Best Buy promised 10 % off. 

So I want to expunge this fraudulently opened account from my credit report. It was opened in bad faith. 

I tried mediation with citi through the AG. They did not cooperate and the NY AG told me to go to small claims for the XXXX dollars. 

I have since returned the laptop. I dont want this fraudulently opened card on my credit report The NYAG intake number is Intake # XXXX.
Product: Credit reporting or other personal consumer reports

Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Acct # 280930 has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am in receipt of Select Portfolio Servicing ( SPS ) response dated XX/XX/18, which was not received by me until XX/XX/18. SPS continues to be in violation of 12 CFR Part 1024 ( Regulation X ). They have not sufficiently responded to my error notification and qualified written request for information, which is dated XX/XX/2018 and XX/XX/2018. In fact, they refused to answer many numerous questions and address my concerns. See attached documentation. SPS continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
Product: Debt collection

Received XXXX letters from Quest Legal Group, notifying me they were filing a lawsuit for severe delinquency on an installment loan taken from XXXX while working for XXXX. 

It states NSF fraud, named XXXX family members that would be subpoenaed. My name, address, and last XXXX of my social are correct, as well as the names of the family members. However, it includes a credit score which is incorrect, and I have never had an installment loan from this company, no NSF for a debt collection, and most importantly never worked for the employer named. 

This appears to be a scam to obtain in evy from me for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I found that there are fraudulent inquiries on my report I reach out equifax to fix the problem but they did not investigate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Failure to Properly Investigate Bankruptcy To Whom It May Concern, I am submitting a formal complaint against TransUnion for failing to properly investigate and correct inaccurate bankruptcy information on my credit report. Despite my multiple attempts to dispute the errors, TransUnion has not conducted a thorough investigation or provided any resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have provided TransUnion with all necessary supporting documentation regarding my dispute, yet they have failed to take corrective action. Their negligence is negatively affecting my credit score and overall financial well-being. 

I request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion fulfills its legal obligations under the FCRA. Additionally, I ask that TransUnion be directed to conduct a proper investigation and update my credit report accurately and in a timely manner. 

Enclosed are copies of my dispute correspondence with TransUnion and any relevant supporting documents. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue. 

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

Experian is reporting that inXX/XX/XXXX I was 30 days late in paying a second mortgage to were XXXX  XXXX XXXX. At that time, my records show that we making payments for that mortgage to XXXX, not XXXX  XXXX XXXX. My Bank records show that I made payments to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XXXX XXXX, 2018. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( RD Fuller ) and they said that they had not attempted to contact me at all.
Product: Mortgage

On or about XX/XX/XXXX, my current mortgage managing company NewRez which doubles as a collection agency ( which XXXX XXXX, our original mortgage provider, sold my mortgage to ) received by overnight mail two months worth of mortgage payments by a non-profit. I called the customer service number to verify receipt, which they confirmed, and to remove auto pay from our account. NewRez stated my next payment would not be until late XXXX. On Tuesday XX/XX/XXXX, NewRez without authorization or consent withdrew {$10000.00} from my bank account. I immediately called them and asked why this had occurred. The team lead at the customer service apologized and stated it will be credited back to my account that night. On Friday XX/XX/XXXX, with still no credit showing, I called back and spoke with another team lead who stated that the credit request submitted on XX/XX/XXXX was completed incorrectly and that she would submit a correct credit request, however, it would not worked on until the following Monday since the department that deals with credits was gone for the weekend. I asked her if there was anyway I could get the funds credited to me that day or a checked sent overnight to me as this was NewRez 's mistake through no fault of my own. She apologized and stated there was nothing else she could do. With no further options available with NewRez that placed me in a severe financial strain during COVID, I contacted my bank to dispute the unauthorized charge made by NewRez.
Product: Debt collection

I am receiving constant calls from Chase Receivables regarding a medical debt I never received a invoice from the original provider. I spoke with the the collection agency several months ago and requested documentation on the charges. I provided a supervisor my name and address and told them I would research and call them back. I never received anything from Chase Receivables. Chase has continued to call my home phone number XXXX to XXXX times a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on Experian only that are not my accounts. I have disputed this and they still have not removed them. I don't know what I have to do to make them understand it wasn't idenity theft it is their misreporting otherwise the other two bureaus would be reporting them as well.
Product: Credit card

On XXXX XXXX I was approved for a line of credit of {$2600.00} from PayPal credit through Synchrony bank. On XX/XX/2023, I tried to use my card to buy items, but the transaction was denied. I was then locked out of my account saying that I was fraudulently trying to use my account. I had to submit a picture of my driver 's license to prove that it was me trying to use my own credit line that they had just given me. I finally called Sychrony bank on XX/XX/2023 and they told me that my account " looked '' like it had been flagged possibly due to it being a new account and this is why I could not use the card. They told me to wait about a week and try again. So, I did. The same thing happened to me. I called PayPal and they told me that it was on the Sychrony bank side of things. Once I spoke to Sychrony bank they told me the same thing that I was told on XX/XX/2023. " It looks like there might be a hold on your account and to wait. '' This to me is fraudulent. They give people lines of credit, hold the credit, it affects my credit, and now still a month later I can not use it. Something needs to be done about this company now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. 

XXXX
Product: Credit card or prepaid card

Pre pay Capital one card that my wife apply for its in her name and she put me on it i havent sign any paperwork for capital one and its on my credit report so it hurting me saying its a late payment i dont pay that bill its her bill so im ask them to remove u find out that i havent sign anything for capital one i need it remove asap thank u
Product: Debt collection

on XXXX, XXXX, XXXX I looked at my credit report and it went down XXXX points and I saw that there was an open balance of {$300.00} threw a collection agency called Enhanced Recovery Company and the original creditor was XXXX XXXX XXXX XXXX XXXX and it was opened XXXX, XXXX, XXXX. This was very concerning because I have never had any kind of cable service in my name.
Product: Credit reporting or other personal consumer reports

I did not apply to these companies below Experian - XX/XX/XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XXXX XXXX XX/XX/XXXX & XX/XX/year> - XXXX XXXX -Inquiry