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

XXXX  is allowing XXXX XXXX  to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet XXXX  Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!! 

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  Claimed they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

Transunion Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on XXXX  which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against XXXX and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The West Central Collection account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for West Central Collection in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by West Central Collection or any other entity, despite my requests for verification.

I have attempted to dispute this collection account with West Central Collection and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my XXXX and XXXX credit reports immediately. I also request that West Central Collection cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Wells Fargo Bank regarding their failure to process a refund from XXXX. On XX/XX/year>, I made a purchase with my Wells Fargo debit card on XXXX in the amount of {$16.00}. Subsequently, I initiated a return, and XXXX processed the refund on the same day. 

However, despite the refund being issued by XXXX, Wells Fargo Bank has failed to credit my account with the refunded amount. The transaction details are as follows : Transaction Date : XX/XX/year> Posted Date : XX/XX/year> Merchant Information : XXXXXXXX XXXX Transaction Description : XXXX XXXX XXXX I have contacted Wells Fargo Bank multiple times regarding this issue, but they have been unresponsive and have not provided any assistance in resolving the matter. This failure to refund customers for returned items is unacceptable and constitutes a violation of consumer rights. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Wells Fargo Bank for their negligence and lack of accountability. I also request prompt resolution and restitution of the {$16.00} owed to me. 

Thank you for your attention to this matter. 

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

upon review my credit report, i found multiple accounts on my report that i have no knowledge of and didnt authorize.. ive disputed these accounts with the credit angencys along with sending in copys of my ID theft report, yet these accounts still remain on my credit report, below listed are the accounts in question : XXXX XXXX ( XXXX ) date opened : XX/XX/2015
Product: Debt collection

When becoming a few days past day, Consumer Portolio Services will call you repeatedly until you pay off the debt. Unfortunately, my husband was laid off recently and I have had to pick up all of the bills in the house and have become behind in my payments to XXXX. I am currently 3 months past due and I am trying to gather the money to pay off my outstanding balance in full. XXXX has called repeatedly every day including weekends from XXXX to XXXX with about XXXX calls per day to myself and my husband and once or twice to each of my referrals including my employer. The calls began XXXX XXXX, XXXX and continue daily. 

At this point I ignore their calls because they have become so overwhelming. They offered to help me when through a email message to get back on track but once I called they said the only thing they would be able to do is give me one week to pay off the outstanding balance.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX  XXXX. The Adverse information listed below, which may appear ( or currently appears ) on a consumer report or background check, is the result 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the above adverse information ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).
Product: Checking or savings account

In XXXX of this year, I previously filed a complaint regarding this issue. Ally responded saying an update they had done had caused it and they were working on the problem. It is now 6 months later, and it is still not resolved and when you call their customer service, they claim it is still being worked on. No other bank I have does not post instant XXXX transfers instantly. Ally is the only one who seems to purposely delay deposited funds. Prior to XXXX there was no issue and funds went into my account almost immediately. Yesterday I called in and after being on hold over 30 minutes and spoke to a supervisor named XXXX. He stated their tech team was still working on the issue and he had not gotten an update. When I questioned how he would get an update without initiating the question because he was not aware of my particular problem, he then put me on hold again and supposedly reached out to their tech team. When he came back, he stated their tech team was not aware of an issue. Which to me means they have no intention of fixing the problem. At the very minimum you the transaction should show as pending because each time I have called they can clearly see it on their end, yet they refuse to make the funds available. They have caused items to be returned because of this because they do not have a physical location where I can make a deposit. My instant transfer was complete to them at XXXX XXXX  and they did not post until after XXXX, my time in CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing accounts, incorrect personal information, and inquiries for over two years with Equifax. Equifax has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Equifax has " VERIFIED '' that the said debt is mine. 

Equifax has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EQUIFAX HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!
Product: Credit card or prepaid card

With my MasterCard, issued by Goldman Sachs on Apple Pay, I applied for an installment loan to purchase an XXXX XXXX aluminum. But after a few weeks, I changed my mind, canceled the order, and purchased an XXXX XXXX steel outright, without a loan. Apple sent a refund for my loan as a credit on my account for the aluminum watch : XXXX XXXX Refund - Apple Pay,XX/XX/20 for + {$540.00}. And even though the aluminum watch was returned two MONTHS ago, I am still being billed monthly payments for this original loan amount, which has now whittled down to {$410.00}, as of XX/XX/XXXX. 

Today I spoke to a Goldman Sachs rep who said that I CAN NOT pay off the {$410.00} on the original loan now/today, and that I MUST continue to make monthly payments from my credit card account over the course of a year, even though I have closed my account. THEY WILL NOT LET ME PAY OFF THE BALANCE of the loan in advance! 

The problem is that I ALSO have two credits from two refunds on the revolving credit part of my card, and these two refunds total + {$620.00} on my statement as of XX/XX/XXXX, and I can not receive any of the + {$620.00} UNTIL the YEARS installment loan payments have finished.
Product: Debt collection

I received in a letter in XX/XX/XXXX a letter from National Commerical Services ( NCS ). 
The amount was stated as {$6100.00} with a loss date of XX/XX/XXXX. 
The Client named is XXXX XXXX ( XXXX ). Which I believe to be an insurance agency. 
I called NCS and told them I had no idea who XXXX XXXX was, and that no calls, letters or emails had been sent regarding the supposed claim. 
The NCS Representative said it had to have been sent, and I told him if it had we would have passed any claims to our insurance if it had been sent. I did ask then to send me copies of such claims from the client XXXX, and he said do you want us to litigate? I told him of course not, I just have no record of any claims and need so info about what the claim is about. I asked them to mail them, and he demanded my email address which I refused. I asked that the claim be sent in the mail, just like the NCS demand letter. He said, " I was making it slow and that I wanted them to file litigation against us ''. Real nice strong arm tactics when all I asked was for a little information to pass on to my Insurance Company. It is basically like he just wants us to pay their company off with absolutely no information. I really don't appreciate being threatened with a lawsuit in a 3 minute conversation especially when I look up the date of loss and have not incidents that day.
Product: Credit reporting or other personal consumer reports

I noticed some late payments from XXXX XXXX months of XXXX XXXX and XXXX, XXXX. Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer report. THE LAW CLEARLY STATES. 
( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer in which it relates.

Did I give you written instructions to furnish this account? I want proof that I do so if I did.

Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a credit report clearly states.

( a ) Exclusions- except as provided in paragraph 3 the term consumer report does not include ( a ) subject to section 1681s 3 of this title. 
( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Please update my late payments to paid on time. 
Failure to delete the late payments and update to paid on time will result in legal actions against your company for which I will be seeking {$1000.00} per violation for ( 1 ) defamation of character ( 2 ) negligent enablement of identity fraud ( 3 ) fair debt collection practices act 15 USC 1681n violation ( 4 ) fair credit reporting act 15 USC 1681 violation for non compliance
Product: Credit card or prepaid card

I currently have a Capital One credit card. On XX/XX/XXXX i went to the website and made a payment that was the full amount showing on the site. there is no place listed on the site that gives me anything other than full balance. there is no place and or indication that there would be a different " payoff amount ''. i made a full payment paying off the entire balance of the card. on the XXXX of XXXX i was charged XXXX in interest charges. I called the company and was informed that this was due to a balance on the card for the prior month and i was informed that i would be charged interest if i had any balance for the past 2 months. this means that they will continue to charge me fees regardless and it makes it so there is no way to pay off the card in full ever. i talked to a supervisor ( XXXX ID # XXXX ) and he stated that i needed to look at my statement to get the full information. my statement also did not have a " payoff '' amount on the statement. he informed me that to get a complete and full payoff amount that i should have called a customer service representative to do that. their practices are significantly predatory!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated.XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota has not reported my account to the credit bureaus, i went to XXXX Toyota dealership to trade my current car, but surprisingly when they ran my credit, this account didn't appear on my credit report. i called the credit bureaus and they confirmed that this account does not exist on any credit report. so i called Toyota Finance and i was asked to send them a formal letter. i did. also i have been calling them every other day to follow up on this case, but each time i had to repeat myself. seems they kept ignoring my request to my right to have a 100 % accurate credit report. i requested them to report this account to the credit bureaus so it appears on my credit file. Please i need this account to be reported to my credit report.
Product: Debt collection

I am seeing a debt for {$300.00} on my credit report. I have tried to dispute this and I don't have a clue what this is. Comentity bank has not been helpful getting this unrecognized debt taken off my report.
Product: Mortgage

Following forbearance, due to two bouts of XXXX I contacted the lender on XX/XX/XXXX. and submitted all the required documentation for consideration of alternatives including modification.On XX/XX/XXXX I received word that my application was considered complete on XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming that my account was approved for a workout plan and that no additional documents were needed, however on XX/XX/XXXX I received a letter indicating that additional documents were need to complete the review. 
On XX/XX/XXXX I then received a letter that the file is complete and I have been approved for a workout plan, However on XXXX I received an additional letter indicating that after review my modification request was denied. 
Following several calls with my point of contact, I was told that a temporary repayment plan would be considered and I would have conformation in 7 to 10 days, that was the first week of XXXX. On XX/XX/XXXX I received approval. Same day I received notification that a sale date was set for XX/XX/XXXX and that I should reach out to the XXXX XXXX XXXX. I did complete the application with XXXX XXXX XXXX and received word on XX/XX/XXXX that I may be eligible for {$20000.00} in assistance however they would need to speak with my servicer as the outstanding balance exceeded the {$20000.00} Assistance Payment. 
On XX/XX/XXXX I reached out to my point of contact for an explanation for why I have had a Sale Date Set when I was obviously working to resolve. The history is very clear, and the mixed messages have made this very upsetting. On XX/XX/XXXX, I spoke with my point of contact who could not tell me why the sale date was set however she had requested a postponement and I would have a call within 5 days to confirm the postponement. As of today I have not received a call or confirmation in writing. 
As of today, the servicer has not responded to XXXX XXXX XXXX to work toward a resolution on how the {$20000.00} could be used to assist the mitigation options. On XX/XX/XXXX I provided a copy of the XXXX XXXX XXXX letter to both Loss Mitigation and my point of contact.
Product: Credit reporting or other personal consumer reports

I have mailed multiple disputes to XXXX, Experian, and XXXX. All of my disputes have been left unanswered. I have attached copy of my three bureau credit report for each of the companies to review. They have not fixed the errors in my credit report. Please ensure these companies fix the erroneous information in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
transunion states balance is {$540.00} XXXX  states balance is {$0.00} XXXX states balance is {$540.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/2017 XXXX states XX/XX/2017
Product: Credit reporting or other personal consumer reports

I recently was made aware of a collections in my name when applying to rent an apartment. The collection states the date opened was XX/XX/XXXX yet I only found out recently on XX/XX/XXXX when the rental property sent me my screening reports. The collections is from an old gym membership that had been cancelled in person many months prior to the date opened on my account. I had not been made aware that they were still attempting to charge me, or that my membership was still considered active. My debit card was deactivated shortly after cancelling my membership due to theft which I assume is why the payments did not go through. I was not made aware of any issues until my screening report results a little over a month ago.
Product: Debt collection

N accordance with the Fair Credit Reporting Act NATIONAL CREDIT ADJUST Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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: Payday loan, title loan, or personal loan

I received a loan from Blue Trust Loans ( Hummingbird Funds, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018. The rate is 754 % APR. I have paid {$2000.00} towards the original balance of {$700.00} over the course of 4 months. I was unaware that a loan like this is illegal in Arizona ( where I live ). Since this loan is illegal, and I have already repaid the loan and then some, I would like this loan to be voided and reported as paid in full.
Product: Credit card

I applied for the American Express Platinum card with a XXXX Membership Reward point offer if I spent {$3000.00} in the first 90 days. Application date XXXX/XXXX/16. 

I spent a total of {$3200.00} on the card excluding the annual fee that I paid and met the bonus requirements. The XXXX point bonus was posted to my account on XXXX/XXXX/16. 

In XXXX, I was reviewing my personal finances and decided that I wanted to eliminate some expenses if possible. I decided to reduce my credit card annual fees, but I wanted to stay at American Express for my credit card needs. I cancelled my American Express Platinum card and instead opened a American Express Everyday card. To this day, I am using my American Express Everyday card as my primary spending card. 

On XXXX/XXXX/16, the XXXX Membership Reward points were deleted from my account without any explanation. I only noticed this when I logged into my account. 

Upon calling to resolve the issue, which I assumed was an error, I was routed to many different representatives and told that I cancelled the credit card and therefore forfeit the bonus ( which is clearly not a part of the offer that I had applied for ). I tried my best to work with American Express on this issue, however there was no resolution. 

I met every condition of the terms and conditions for the XXXX point bonus. I held the American Express Platinum card for almost 4 months before deciding if I really wanted to keep the card, including 30+ days after the award was granted. During this time, I paid {$110.00} in annual fees in the card. 

If I 'm unable to get the XXXX points restored to my Membership Rewards account, I 'm willing to continue with Arbitration on this issue as it is clear that I have been unfairly mistreated. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted multiple letters with no response and no correction of problem. 
Submitted first letter to Transunion credit reporting agency on XX/XX/XXXX. 
I submitted second letter on XX/XX/XXXX. Prior to submitted the letters, I made multiple calls and still have not received any response or have I had the problem corrected