23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Company Account # XXXX XXXX XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have called and emailed the company on several occasions spanning several months to send statements I never authorized direct withdrawal from my bank account and to remove my bank info. I obtained a balance to pay off my account. XX/XX/year> That payment was mailed they did not post it to my account till XX/XX/year>. And now claim I owe XXXX more of Made up interest fees. 
I have Expressed extreme dissatisfaction with my communication experience with this company, I highlight the unprofessional treatment, harassment and inefficiencies encountered. The automated system requires extensive personal information, duplicated by representatives seeking full social security numbers, raising data security concerns. Consistent hang-ups prevent meaningful account discussions. As a paying customer with a paid-in-full account and impeccable payment record, I urge a comprehensive review of customer service protocols to prioritize respect and efficiency
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the balance of a XXXX collection on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by law.
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here is the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$740.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX  XXXX, XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX, Account Number XXXX XXXXXXXX, and XXXX XXXX Account Number 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

Dear Sir / Madam, XXXX XX/XX/year> I created a wire transfer of {$9100.00} using HSBCs mobile app. I had input the correct account and routing of the receiving institution. However when inputting the address I typed " XXXX  '' as it was a XXXX XXXX XXXX XXXX. The user interface on HSBCs site overrode all the receiving bank details and the money was sent to a credit union called XXXX whose address is " XXXX XXXX XXXX ''. XXXX  have confirmed they received the wire but given they didn't recognize the account number they have been trying to send it back to HSBC twice. HSBC claim that XXXX is not following standard protocol to send the funds back. XXXX has been requesting somebody from HSBC call them to resolve the matter. HSBC refuses to do this and has washed their hands of the matter. Both parties are at a stalemate. I have an exhaustive documented email trail of communications. Please can you help me resolve this matter given it's a large sum that is likely sitting in a suspense account that I need for my children 's XXXX expenses. Thanks
Product: Credit reporting or other personal consumer reports

My complaint centers on Transunion Intermediate Holdings , Inc. reported inaccurate and private information, which has adversely affected my consumer report. 
A certified notice providing more details is being attached to this complaint and mailed via XXXX # XXXX, to you inform you of the unauthorized and improper utilization of my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to protect 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 ). These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Hello, I have PMI on my property. I have a loan on my home of under XXXX and an appraised value of the property between the ranges of XXXX to XXXX. The LTV of the property is roughly 70 %. Per the Homeowners Protection Act, I should be able to remove PMI from my property at this current rate. 

I applied for removal of PMI on XX/XX/XXXX. I followed up on XX/XX/XXXX and was told that the PMI can not be removed from the property since it is based upon the initial principal amount and not the equity in the property. This is in direct conflict of what the Homeowners Protection Act sates. Private mortgage insurance must be automatically terminated for homeowners who accumulate the required amount of equity in their home. 

I have attached the initial assessed value of the property.
Product: Mortgage

Rocket Mortgage sales rep XXXX cold called my home, told me she already had an old credit report and then asked for birth date and social. I provided birth date and social and then XXXX asked questions regarding my home. I told XXXX, I did not want my credit to be pulled and would rather do this some other time. XXXX stated she already had pulled a new credit report when I gave her my birth date and social. Irritated I asked to speak to her lead representative XXXX, who stated giving a birth date and social is the same as agreeing to a credit inquiry. And, since I did not object to a credit inquiry to be pulled, this is the same as me saying yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute Against Experian I am writing to formally dispute the handling of my credit report by Experian. Despite my numerous attempts to resolve all inaccuracies on my credit report, Experian has failed to properly investigate my disputes. This negligence has caused significant harm to my credit standing and, consequently, my financial well-being. 

I have provided Experian with all necessary documentation and evidence to support my claims, yet the company has not taken appropriate action to rectify the errors. This lack of proper investigation violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I am seeking your assistance in ensuring that Experian conducts and corrects the inaccuracies on my credit report promptly. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash App has made a series of unauthorized withdrawals from my checking account. I filed a dispute with my bank, which is currently unresolved. I filed a complaint with XXXX. I contacted Cash App support twice. The first representative hung up on me. The second rep advised me that there is nothing they can do to prevent further unauthorized withdrawals being conducted through their app.
Product: Checking or savings account

In XXXX my family and I was living in a shelter someone there stole my bank card we was required to give our bank cards to staff to put away we was supposed to save money to get our own place in XXXX I went to staff to get my card and they stated it wasnt there I checked my online banking to see that my card has been used I called Navy federal and made them aware of the situation they said I had to make a dispute which Ive never done before I tried disputing everything but was told everything didnt post and to call back to dispute all the charges that didnt post so I had to call to dispute the remaining when I called I tried disputing all the rest which I thought I did but I guess I missed things that I thought I disputed in the first dispute my claim was denied and account closed because they said I failed to mention those other transactions that happened in between I tried explaining the situation to the lady who had the case and she didnt even care that I was victim I asked to speak to a supervisor was told I would get a call back no call I emailed the CEO and never heard anything back from them it is said I owe XXXX dollars to navy federal due to this
Product: Credit card or prepaid card

Wells Fargo is charging clients a minimum {$1.00} on credit card purchases even if you pay the balance the next day. I have excellent credit and I use other banks and card issuers and no other institution does this. I called them and they had some completely crazy explanation. I know it does not sound like much money but over the millions of customers they have its a big problem. Month over month Wells Fargo still has not learned their lesson. I keep them because they are my oldest card and I carry no balance. Used the card once for {$13.00} and paid off the next day and they charged me a minimum charge of {$1.00} for interest. Its a real shame.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I am a victim of wire fraud through chase business and seeking any type of assistance and help with my claim as chase has denied my case and this wire fraud caused a lost of {$20000.00} USD from my business account and depend on this money to continue operating my XXXX as I've already been struggling through this pandemic and that money was from a sba loan that I've just received. I do not know what else to do at this point as I've tried a whole month of back and forth with chase and even escalated this claim to their executive office and was only told that it was denied. 
I wish to again stated clearly that I did not authorize this wire transfer transaction but it seem that chase is not doing anything to help me with this claim and is only trying to avoid it. I am literally begging everyone at chase to please give me back my money because my XXXX will collapse and I can not take this lost, especially during this pandemic. I've even wrote a email to the CEO of Chase bank Mr. XXXX XXXX in hope and prays that he will shine some lights and overturn this decision. I've been very patience as their claim department had me waiting since XXXX2020. The claim with chase was filed within 2hours of finding out I was hacked into my business account. If someone can please help me with this claim, my number is XXXX or email is XXXX Thank you kindly, XXXX XXXX
Product: Student loan

In XXXX I attended an online College by the name of XXXX College based in Colorodo ( I live in California ). I was granted student loans through Navient to attended a XXXX course which was solicited to me through a phone call. After hearing what was proposed it all sounded very promising. After receiving confirmation for the student load I signed up for my XXXX semester. I only attended XXXX term of the fist semester and completed XXXX classes, XXXX and a class that helped me understand XXXX. The only materials that I received from the school was a book and XXXX XXXX. Due to hardships I successfully withdrew from the XXXX semester. After leaving XXXX college online, they continued to pull money from my student loan service that was credited to me when I began attending, resulting in even greater debt. 
I felt that I have been wrongly charged with this loan that has not only hurt my credit score but had created a great deal of stress because I am unable to repair my score due to a default. 
Navient is now the student loan provider in which did NOT offer any solutions of lower repayment plans, but rather offered only forbearance to further delay a repayment option. After many forbearance, Navient would not grant any more and because I was unable to make the minimum payment my loan defaulted resulting in a crushing blow to my credit score. After years of trying to resolve this situation the only thing I was able to do was make a 9 month payment plan of {$8.00} to get my loan out of default. Since then, Navient has still offered no solutions of a lower repayment plan but only more forbearance. I have also learned that since my attendance at XXXX XXXX they have been in a lawsuit and has forgiving {$15.00} XXXX in student loans all the way back to XXXX. I have attempted to contact XXXX College about this but they have gone out of business so I am once again left to a dead end.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAP ONE AUTO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This account is already paid. I demand that your agency reinvestigate the reporting on this account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

This debt is from a medical bill of my ex husband who died in XX/XX/XXXX. The debt occurred in mid XX/XX/XXXX and the XXXX keep updating the date on the debt even though it does n't belong to me and it has been over XXXX years.
Product: Vehicle loan or lease

I called the finance company to get the pay out on my account. Because I saw that something di not look right. They told me what the pay out was and they also told me about late fees and insurance waiver fees. I then contested some of the fees. I wrote a check for that month 's payment and a check for the remaining principle. I wrote on the check. " this check is to be applied to principle only ''. My thoughts were to pay off the principle and do my research on the other charges. When I saw that they had cashed my check I went ahead and called to confirm my request. They told me that it did not happen they way I had requested and that they would try to take care of it. I just got a call from the finance company that I needed to pay for the remaining principle amount along with interest on that amount. I think they should have at least given me the courtesy to call me and say hey we cant do this the way you want. As far as I know a check is a written agreement and if they sign and cashed it then they have to honor the agreement.
Product: Credit reporting or other personal consumer reports

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I always pay on time. Consumer reporting agencies play a vital role in reporting accurate information. This information must be reported with utmost accuracy. 
I have never missed a payment on the following account XXXX XXXX XXXX. I request a thorough investigation into the discrepancies and urge you to provide evidence, such as statements demonstrating the lateness of this late payment. As you will see in the attached XXXX Credit report I was never late. It's required by law that all credit bureaus report the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/XXXX, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

Profolio recovery calls me everyday I have informed to stop calling me and I am on the no call registry. I informed them it is harassment. They call from multiple numbers. Last one was : XXXX. Thank you.
Product: Checking or savings account

I deposited a check for {$2500.00}. on XX/XX/XXXX. The funds were withdrawn from the checking account of the payee on XX/XX/XXXX @ XXXX. Chase Bank would not release the funds they withdrew for my availability until XX/XX/XXXX. I called to get these funds released and was told they had to do this manually and they could not give me MY money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simm Associates said they would delete their entry on my credit within 60 days of XX/XX/2019. As of today their reporting remains on all three bureaus. They need to resubmit delete request immediately. Their original response is attached,
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 i submitted a dispute online with equifax for two collection accounts. On XX/XX/2019 i was informed by my credit card company XXXX XXXX that my acct was being disputed and they had to close my account due to my request. I contacted XXXX XXXX on XX/XX/2019 and was told by a agent that equifax disputed the account stating that this account didn't belong to me and in order for them to reopen the account i must have something from equifax showing that i didn't dispute it. I contacted equifax on XX/XX/2019 and spoke with a supervisor who refused to close the open dispute and stated that it was a error on their end and she didn't know how all accounts was disputed. equifax admitted to fraudulently disputing all my accounts even though the legal document didnt have that information on there.
Product: Debt collection

I " applied '' to a university and was denied, there is no debt. I will NOT verify my personal information with this company as it will result in more attempts. Received an email XX/XX/2019 stating that I owed money. 
Current Balance : XXXX As I stated, I filled out an application years ago, but was not able to obtain any funding and did not take any courses with any university. I attended college back in the XXXX and all the bills were paid. No other university in my state was ever contacted, nor did I enroll to take any courses in my state from any organization, college, or university.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's fraud the inaccurate 's on my credit report which are the soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my Experian, XXXX, XXXX   credit scores and credit reports my XXXX  XXXX adult son and the XXXX   XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own thats why I haven't pursued criminal charges or law enforcement presents in the fraud situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX I know nothing of this debt, But I am constantly getting calls and mail In regards to this debt, I am a consumer and my rights as a consumer matters, If your organization is unable to help me, I will speak with my lawyer, I would like a response within 15 days please. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX A Account number : XXXX Date opened : XX/XX/2022 Account type : Open Account Status updated : XX/XX/2022 2022