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

I am writing to formally file a complaint against Equifax regarding inaccuracies on my credit report and their failure to resolve these issues despite their claims to the contrary. 

Specifically, Equifax has informed the CFPB that they have removed or are no longer reporting the following accounts from my credit report : 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 However, these accounts are still being reported on my credit report, which is a clear misrepresentation by Equifax. This has caused significant frustration and confusion on my part as these inaccuracies remain unresolved.on XXXX XXXX  they and XXXX they show no account reporting but when I called Equifax they stated that the account are still on my report along with an address I never lived at XXXXXXXX XXXX XXXX  michigan, and XXXX XXXX XXXX XXXX. 

Additionally, Equifax has also mixed up my identity with another individual by the name of " XXXX XXXX. '' This person is not me, and this incorrect reporting has further contributed to the inaccuracies on my credit report. 

These ongoing inaccuracies and the failure to correct them have caused me significant distress and inconvenience. I am requesting the immediate removal of the incorrect accounts from my credit report and the correction of any inaccurate personal information. 

I kindly request that the CFPB assist in ensuring Equifax promptly and accurately resolves these issues to restore the accuracy of my credit report. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used the pay anyone feature. My money was sent to XXXX. I called immediately to stop this transaction. I was told that they could not stop the transaction and since it could not be claimed I would have to wait 14 days and the unclaimed funds would be sent back to my account. 

I've done 4 disputes after finding out that my money was deposited into a chime member 's account. I've talked to many members on the chime team, all with limited info. 

So how was my money claimed by a chime member??? That phone number is the Veterans Administration toll free number!! Where is my money????
Product: Credit reporting or other personal consumer reports

Radius Global Solutions LLC has been harassing me for over 2 years straight day and night. Calling me at all kind of weird times of the day. They've threatened me over the phone with the outcome of my credit being tarnished. They are unable to provide me with validation of this debt these accounts have been reporting CO for years without validation further destroying my credit report and under. I gave company 30 days to validate this and send over license information they haven't sent over ANYTHING. NEW YORK STATE CONSUMER LAW : XXXX XXXX XXXXXXXX debt collection laws and regulations are among the strongest in the country. A creditor MUST PROVIDE! 

Must provide you with specific information if you ask them to verify a debt that is, to confirm that the debt is valid. 
Must be licensed as debt collectors by the XXXX Department of Consumer Affairs. 
May not call you more than twice a week about a debt.

Must confirm any settlement agreement with you in writing within five business days. 
Must disclose certain information to you if they try to collect on a debt that is past the statute of limitations. 

They haven't done any of these things. They've made me paranoid about my credit report. I asked them to please provide proof of this debt through a credit agreement or debt validation letter, master promissory note. They only provided me with payment history. This is not proof of agreement nor a validation of ownership. This company isn't even licensed in New York state and NY Consumer Law states unlicensed companies may not collect here. This is harassment and gross negligence on not providing any proof of this account but also still calling and sending me letters after i requested to not be contacted anymore either. this has also been affecting me for to long.

as a nyc resident We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. - 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : the use or threat of violence ; use of obscene or profane language ; and repeated phone calls made with the intent to annoy, abuse, or harass.

they also provide these phony license numbers on there website and letters NONE OF THEM POP UP when searched. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My account with this company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alais names and primary names that are not correct and alot of unauthorized inquiries and one account marked late that I was not late on
Product: Mortgage

My account was transferred to another service provider, Seterus, effective XXXX 2015. These five months have been a nightmare from the very beginning. Almost immediately, Seterus sent a letter that I owe almost {$3000.00} and for " my convenience '' they would spread the payment over two years. When I called, representatives said they could not talk with me because I was in foreclosure and bankruptcy and they could only speak with my attorney ( I have never filed for bankruptcy in my life ). Seterus next claimed I owe money for negative escrow account although the bank that transferred the loan paid all taxes and insurance and reported a positive escrow balance. I called to make payment arrangements when my tenant moved until I obtained another tenant, and was encouraged to apply for forbearance ( which I did ). Shortly after, I started receiving threating and intimidating phone calls. I was told forbearance was denied ( although to this day, I have never received anything in writing ). I made arrangements for stagnated payments through my checking account. On or around XXXX XXXX, 2015 after XXXX payments had been made and a third was scheduled for XXXX XXXX which would bring the account current ( owing for XXXX ), I received threatening and intimidating call and the representative threatened that I was still in foreclosure and had to pay all the money owed. I requested to speak with a manager who also was very verbally aggressive and intimidating threating foreclosure and said the balance would be withdrawn at the end of XXXX from the account on file. I told her it was illegal to take funds unauthorized and told her to cancel the last scheduled payment for XXXX XXXX, 2015. I cancelled the authorization verbally, by e-mail, regular mail and fax. Payment was still processed and when I tried to resolve the matter with Seterus as my bank suggested, I was told I must give them a letter from the bank saying that I gave Seterus authorization to take the funds.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate Electronic Funds Transfers ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you and XXXX  Bless.
Product: Bank account or service

I had a checking and savings account with BOA for several years. They closed my savings as I made too many transfers. ( In CM agreement ). Then they began charging me a {$25.00} monthly fee. When I 've complained, many times, they have told me by letter and phone that it was changed as I no longer have a mortgage account. I never had a mortgage account to start with. I requested that the remove the {$25.00} fee from my account permanently. They issued some credits, but refused to remove permanently. I requested that they change my account to a different account without a fee. They refused. The last time, they said they would temporarily hold the fee for three months till I decide what to do. I was due to be charged XXXX 2016 again. On XXXX XXXX, 2016 I called to close the account to avoid the fee. I spoke to a very nice rep. named XXXX. She helped me with closing the account. During the conversation I told her I could not understand why my son had an account with no fee, and my daughter in law had an internet account with no fee, but after 15 years, I had to pay a fee. She was apologetic and said she wished I had mentioned that before she closed the account because she could have changed the account to a " core account '' like my son has. All I had to do was direct deposit {$250.00} per month to avoid a fee. 
I had written through the CFPB before, and spoke and received letters from BOA executive office and NO ONE offered me the core account. NO ONE! This would have been a very easy fix as I already had direct deposit anyway!!! I am so mad that all I received was explanations and copies of my CM agreement, but no one even in the executive office bothered to offer to change my account to the core account. NOW, I would like my account reopened and changed to the " core account. '' I am happy to reset my direct deposit. The ONLY reason I am even willing to want an account with BOA is because both of my sons and a friend also have BOA accounts, and it 's how we transfer money to each other for bills, etc. 1. Please reopen the account as a " core account. '' 2. I would like an apology from EVERYONE who had anything to do with my prior complaints who did n't even BOTHER to see if my account could be changed, when it could have. 3. XXXX, who I spoke with approx. XXXX. PT on XXXX/XXXX/2016, commended for great customer service and some knowledge about the accounts. Maybe she should be in the executive office! Please, email or USPS mail only.
Product: Credit card

On XXXX, XXXX, 2024 via registered mail a registered security in the amount of {$3.00}, XXXX was sent to PAYPALCREDIT/SYNCB for redemption or in exchange for securities of a new issue, to their conditional payment address noted on the back of their statement. The amount of {$3.00}, XXXX was placed in a dispute after I called to follow up on its arrival. I was told a dispute for the amount would be placed on the account. I specified in my initial letter to Synchrony Bank of their Indenture agreement with their trustee, XXXX XXXX XXXX XXXX XXXX XXXX  per Section XXXX spoke of ALL SECURITIES surrendered for the purpose of payment, redemption should be delivered to the Trustee. I was told from a representative via a recorded line on XX/XX/XXXX PayPal Credit line ( XXXX ) XXXX XXXX that redemption was made by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while on this call due to the representative 's accent I thought he said XXXX XXXX XXXX XXXXXXXX '', which is why during the call I corrected him, only to realize what he had truly said after the call was completed. I was contacted vis Synchrony Bank 's secured message via my Paypal account to submit proof of payment, which they were already aware of my security and had received it. Due to their refuse to adjust my account accordingly, I asked for the return of my registered security, which they have not returned back to possession. I was contacted via mail by XXXX XXXX a Corporate Specialist on XX/XX/2024 that my " inquiry was forwarded to her for research and response ''. She informed me that returning my " statement '' with notation does not fulfill my obligation or be accepted for value. XXXX then continued to misrepresent and misinformed me that Synchrony Credit accounts do not represent securities but are just revolving lines of credit. On XX/XX/2024 via certified mail received on XX/XX/XXXX I provided proof to her and informed her that her information was misleading and thoroughly incorrect. I sent to XXXX XXXX a copy of Synchrony Bank 's XXXX XXXX XXXX  XXXX report, Synchrony Bank 's Trust Agreement, and Synchrony Bank 's XXXX form to combat all that she had said. I received an automatic voicemail on XX/XX/XXXX at XXXX informing that they had received my correspondence and would follow up with me. On XX/XX/XXXX I made a call to XXXX XXXX their Senior VP of Investor Relations to discuss this matter in detail, I have left XXXX messages without any call back. I sent my response letter to XXXX XXXX at XXXX different locations to ensure she received it. I have not heard back from her but received another email via their secure messaged on my Paypal account regarding a 1099-A, which I have no idea what XXXX XXXX XXXX Senior Specialist, Coporate Consumer Relations is referring to, when I am not inquiring about an issuing of 1099-A. It is my confirmed belief my security was properly given to their Indenture Trustee for redemption, but my account has not been appropriately adjusted, and they are still requiring that I satisfy the account with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$640.00}.
Product: Payday loan, title loan, or personal loan

I borrowed money from this XXXX XXXX, after two days i gave them the car on which i had borrowed the money. They refused the car. I was told that, " they will have to repossess the car at their time when they need it ''. I told them, i was going out of town for three months which makes me unable to make payments on the loan, please less resolve it this way. '' they told me that, " I don't make decisions for them when to repossess a car, its on their terms only. '' I told them that, " this will affect my credit. '' They told me that it was none of their concern. Today, they are demanding for the car or i pay their money. I have told them, " If they want the car, its not going to be reported as a repossession or i give them the actual amount of money they gave me 3 months ago without interest. ''
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on their platform, leaving my account exposed and unprotected. Additionally, their dispute resolution process was both unfair and deceptive, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant inconvenience and financial losses, and I am seeking appropriate remedies for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I received a response from TD/Target Red Card. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2.

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA.

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609.

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party.

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND ATTEMPT. IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.
Product: Mortgage

I was unable to make my mortgage payments, so went into forbearance with Wells Fargo. When I came out of forbearance I was denied loan modification by Wells Fargo. This sent my home into foreclosure and I was forced to sell my home. After it was in foreclosure, waiting in a sale date, and listed for sale privately by myself, then Wells Fargo apologized and said I could now come back and apply for modification. The house is already sold now. if I had not been denied that modification, I would have been able to keep my home.
Product: Credit reporting or other personal consumer reports

I am disputing errors on my credit report and experian is failing to take action numerous times. I even called their customer service and dispute division and they are refusing to take action. My report is inaccurate and has a lot of errors.
Product: Credit reporting or other personal consumer reports

There is a company contacting inaccurate information on my credit report. XXXX is the only credit reporting agency reporting this incorrect information and when I contacted XXXX they told me to contact the furnisher. I have now contacted XXXX and the Furnisher, and the furnisher has not responded in the required time which is 30 days. Thats a violation along with them reporting this inaccurate information. My attorney had me notify them of these violations and we requested proof of this incorrect information and they have not responded, We also sent them an affidavit because our next step will be a lawsuit if this is not removed along with our documentation of the law that states they have 30 days to respond which they have not.