23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a XXXX  user for approx 12 years. I cancelled my XXXX account on XX/XX/year> and switched to XXXX XXXX. I paid my final cell phone bill via auto withdraw. 30 days after cancelling my XXXX  I received a 'final bill ' for the total of {$400.00}. I called and tried to talk to a XXXX XXXX rep without success, and only spoke with reps in XXXX. I was informed that I had in my possession a device called a 'CELL SPOT ' which is a cell phone booster. I was informed that due to not returning the item within the XXXX days I owe the {$400.00} to pay for the item. XXXX did not inform me prior to the XXXX  days that I needed to return the device. First and for most Ive NEVER had the device. I never asked for such device, knowingly received a device therefore can not return what i do not have. I have tried multiple times to talk with a XXXX rep regarding this but can only talk with people in XXXX or the XXXX. Eventually XXXX file this bill with a debt collector that I disputed and wrote a physical letter and mailed it to them stating why I feel this is not my debt. After mailing that letter I was contacted by AMSHER debt collectors regarding the same debt. I have spoken with this agency twice stating I will not be paying this debt due to XXXX XXXXot being able to provide proof that I ever received, used, owned, had or failed to return this device. After the 1st conversation with AMSHER I stated that i dispute the claim and I also wrote them a physical letter that I mailed to them. 30 days later ( today XX/XX/XXXX ) I received yet another call asking me to pay the debt, after already physically telling the XXXX rep on the phone and writing the letter i dispute the claim. Now i feel its harassment. I have dates of all phone conversations ( with some reps names ) copies of dated letters written, and all the letters sent to me from XXXX and both debt collection agencies. I have also looked online and found a very large number of other ex-XXXX users having the same issue with the carrier. I personally believe this to be fraud on XXXX behalf especially for not stating to customers about a potential debt prior to the XXXX  day time frame. I am at a loss of where to go from here other that finding a small claims lawyer to handle this situation but I figured id try the CFPB first for help.I have no problem paying my debts if they are justified. Thank you and please contact me at the earliest convenience to help resolve this issue. More documentation can be filed if requested. XXXX.
Product: Credit reporting or other personal consumer reports

Despite numerous correspondences and efforts, it appears that the issues persist. As I have expressed repeatedly, the presence of late closed accounts and charge offs on my credit report is greatly impacting my financial standing and causing significant distress. It is imperative that we take immediate and decisive action to rectify these inaccuracies and restore the accuracy of my credit profile. 

I kindly request that you escalate this matter and exhaust all available avenues to address the late closed accounts and remove the charge offs from my credit report. 

I understand that resolving these matters may be challenging, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following accpounts should be remove as soon as posssible : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

6. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

7. XXXX XXXX XXXX Balance Owed : {$0.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

8. XXXX XXXX Balance Owed : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Checking or savings account

On XX/XX/XXXX I went into my bank to close my checking account and withdraw my existing funds. I was told that my account was on hold due to inactivity. This statement in and of itself didn't make a whole lot of sense. I hadn't used this account much over the years but my last transaction had been in XXXX of 2022. I was told that I needed to make some sort of deposit and that would unlock my account. I deposited XXXX dollar in cash. From there I was told by the personal banker that they were unable to issue me a cashiers check as there was a pending transaction. Once the transaction cleared they would mail me a check. A week and a day went by, no check in the mail. I went into the branch and requested that they cut me a check and was told that the check was in the mail and that by policy they couldn't cut a check unless 15 days had gone by. This is a ridiculous way to treat a customer of over 10 years who has never missed a payment on his mortgage or caused any issue.
Product: Credit reporting or other personal consumer reports

Tonight, I noticed unauthorized inquiries on my credit report, and I have no clue how they got there. I was just doing my routine credit check, and these discrepancies seemed to come out of nowhere. I refreshed my browser multiple times, thinking it might be an error, but the inquiries stayed. Im asking for a thorough review of the documents I've sent so I can finally put this worry behind me.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX  # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX  # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I first submitted a complaint XXXX, and Experian spent effort to lecture me on the use of a credit repair company, rather than the issue in the complaint. I filed another complaint XXXX. I supplied my license, ss card, and a bill to prove my address. I advised them that their reasons for not using a credit repair company have nothing to do with the complaint. I know it's hard to believe, but there are laws in this country and not all consumers are stupid. I'm well aware of my rights to have errors researched when they appear on my credit report. You have violated the law. You just don't want to research them. I proved very thorough information on the errors that I was questioning. The CFPB provides an avenue for consumers to complain when the bureaus are not following the law. I'm not asking you to lecture me on credit repair companies. I'm not asking you to lecture me on how to submit a dispute. I'm simply asking you, as the credit bureau to follow the law and I'm hoping the CFPB requires you to do so. Right now, they are just taking whatever answer you provide. Review my disputes and you'll see that I did provide all the details. You missed the 30 day deadline, as you'll see with the certified / return receipts I provided. These items must be deleted. I will seek legal representation to get the rights that I'm entitled to.
Product: Credit card or prepaid card

I have a chas XXXX Rewards card where I make full automatic monthly payment. On XX/XX/XXXX Chase bank flagged my account for not paying the the bill on timr. I am Not sure why my automatic payment go through. It is their systems fault for not processing right. The balance of {$100.00} did not go process and Chase flagged my account for late payment. Please fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$110.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Checking or savings account

I contacted Key Bank on XX/XX/2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. 

They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. 

After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my Extended Fraud Alert on my Experian, XXXX  and XXXX XXXX credit report to list my current address and phone number for creditors and lenders to review and see. Please add my current address and phone number to my Extended Fraud Alert and credit report. Heres my current address and phone number : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX.
Product: Mortgage

While working with this lender I have been facing many obstacles from the beginning. The disclosures were not correct when they initially sent them to me with all the incorrect information from what I was sent and they told me to sign them regardless which I knew was not right to begin with. Secondly, I have yet to receive a loan estimate which I have requested a total of 5 times to reflect the accurate amounts and totals. I am given a " fees worksheet '' which is not what I asked for and nor does it provide any of the necessary information I had requested. The loan processor keeps loosing all of my personal and sensitive information that I have provided to them. The loan office, XXXX, refuses to return any calls or e-mails and I also feel discriminated against because he only choose to talk only to my husband and not to myself especially because I am the primary signer. This company has been sending me in circles with this loan process and consistently lacking in customer service on top of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this information came to light to me in XXXX when I attempted to get per-approved for a home loan. 
In XXXX of 2019 I was charged XXXX by XXXX XXXX XXXX. 
In XXXX upon receipt of the statement I discarded it as I thought I had cancelled the card and additionally I knew I did not owe them anything. 

In both XXXX and XXXX the same ... 

In XXXX I applied for pre-approval for a home loan. Upon the process discussion with the loan specialist, I was shocked as I regularly check my credit and I know 3 months ago it was well over 750! As the loan company stated, my credit was in the mid 650s due to the issue with XXXX XXXX XXXX, XXXX. The amount that XXXX  XXXX billed my account was {$6.00}!!!??? In addition COB charged two months of late fees! I immediately called them and of course got a bull XXXX statement about the Wuhan Virus and blah, blah ... we're swamped and you have to hold ... In addition to the calls I sent a note summarizing the experience which was returned by the bank as UN-deliverable which I resent a second time. After 10plus calls and randomly pressing numbers I actually got a hold of someone. I asked to speak to a supervisor and was told there weren't any available. So I explained my issues. I thought I DQ 'd the card and tossed the bills and as a solution I suggested letting me pay the entire bill and correct my credit score. They said they would take off all the charges but nothing that they could do about the credit. I said that they are preventing me from the opportunity to buy a home and what makes it worse is it is over {$6.00}!!! I continue to contact the credit agencies and XXXX XXXX XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint regarding XXXX XXXX XXXX XXXX collection efforts for a toll fee of {$310.00}. This is the first letter I have received from them, and I am unaware of any toll fee that I owe. 

Despite my lack of awareness of this fee, XXXX XXXX XXXX has been persistently contacting me. I have not received any prior notice or documentation regarding this toll fee. The amount in question seems exorbitant, and I am concerned about the legitimacy of this claim. 

I kindly request your assistance in investigating this matter and ensuring that any erroneous charges are addressed promptly. If I do owe any amount, I would like to know the original fee without any added interest, so that I can resolve this matter by paying the correct amount. 

Enclosed with this letter are copies of the correspondence I have received from XXXX XXXX XXXX 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit card

I made a purchase with at Macy 's with my Macy 's credit card ( # XXXX ). The items never arrived. I disputed the charge but Macy 's refuses to credit my account and wants me to chase my refund via their shipper. I have no contract with their vendor. My contract is with Macy 's. I want my refund. Please help as this is consumer fraud.
Product: Checking or savings account

XXXX XXXX XXXX XXXXunknown XXXX payments were made from my Wells Fargo account. Ive reported that multiple times, the bank just denied because it seems I authorized but if Im reporting and saying that I dont recognize those transactions and the person that received the money I Think I have right and the E regulations protects me. 
I received unknown money and from there XXXX dollars were transferred ( not by me ) and I didnt authorized anyone to do that, reported to police. Thats not possible for me to accept that answer After my claim Im not able to use XXXX because Im blocked
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report and noticed that the information provided was inaccurate. Based on the FCRA all information that is reported needs to be correct and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA this unauthorized and unverified account must be removed immediately from my Credit Report.
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 violates 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 speak appropriate redress for these violations.
Product: Checking or savings account

PNC does not allow transactions with companies that use XXXX the mobile transfer service. I have a lot of money in two different apps and I am unable to access it via my checking account due to this issue. The third-party apps insist the bank must make this change, yet the bank blames the apps for using XXXX. 

I did not know I could file a complaint about this issue, but one app XXXX   suggests its users contact the CFPB. 

Thank you for reading, and please help customers like me who are having this problem.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request removal of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed account details : Account number : XXXX Creditor name : XXXX XXXX  XXXX Incorrect information identified on reports from all three credit bureaus. 
Legal basis for removal of information : Right to accurate information ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ) : I request that the authenticity of this account be verified manually with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section XXXX - XXXX XXXX. XXXX ) : Under this section, I demand a complete reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( XXXX ) - XXXX XXXX. XXXX ( XXXX ) ) : Under the FCRA, if information can not be verified, it must be removed from the report. 
Liability of Information Providers ( FCRA, Section XXXX ( a ) ( XXXX ) ( A ) - XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) : The creditor 's failure to validate this information warrants its deletion. 
Compliance with Accuracy Procedures ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ( b ) ) : The inaccuracy in my report suggests a failure to comply with required accuracy procedures. 
Permitted Purposes for XXXX ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ) : I request confirmation that the access to my report was legitimate. If it was not, I request deletion of any unauthorized data. 
Truth in Lending Act ( XXXX, XXXX XXXX - XXXX U.S.C. XXXX ) : XXXX reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) emphasizes the credit bureaus ' responsibility to properly investigate consumer disputes. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in 2017. The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in 2017 and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage.

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to kill me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!