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

I sent a dispute letter against the Credit Bureaus on XX/XX/2022, and awaited their response, 30 days passed and the Credit Bureaus failed to respond to my dispute letters. Once again, I sent another Dispute letter on XX/XX/2022, to folow up the Credit Bureaus. Both dispute letters request the correction of my Credit File by correcting the disputed accounts or removing those that are not erroneous. Under the Fair Credit reporting Act, the Credit Bureaus are obligated to finish their investigation within the time allowed by law, which is 30 days. More than 30 have passed since my first dispute letter was sent and yet the Credit Bureaus have sent me nothing! I am now submitting this CFPB complaint to inform the Credit Bureaus that I am willing to file lawsuit against the Credit Bureaus in the event they do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus correct, update, and or remove the disputed accounts that are reporting erroneous information on my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was looking at my credit report and noticed I have a collection account from Credit Control Service for XXXX as of XX/XX/XXXX.Also the original Creditor is XXXX. The address listed on file for this account is XXXX XXXX XXXX XXXX  XXXX XXXX Nj. I never lived at this address and I uploaded my license see attached to show my address I been living since XXXX. A collection is considered income from the IRS which means I should have received 1099-C and according to 15 USC 1681 2a ( l ) no transactions or experiences is allowed to be on credit consumer report.Also Credit Control Service is not Licensed to collect debt in New Jersey .
Product: Debt collection

I received a phone call on XX/XX/XXXX from a so called Eastern Account Systems. They stated u had an accou t with XXXX that went to collection. I asked them to send in writing to validate the debt they were charging me with and they said that they couldnt discuss my account then. Now this so called company reported to my XXXX report the mentionrd debt that they didnt want to send any type of documentation on by mail or discussed it o er the phone because i refused to give them my social security number o er the phone.
Product: Debt collection

XXXX XXXX failed to properly enter a correct mailing address for a final bill. Therefore i never received a bill. Had power from XXXX through XXXX with them with a perfect payment record. The turned the collection over to Helvey & Associates which never mailed my a bill. This was discovered through a mortgage loan application. It has negatively been reported to 3 credit bureaus. I paid the bill in full today of {$100.00} to XXXX XXXX & contacted Helvey & Associates. They informed me that even with a payment confirmation number it would take them two weeks to get confirmation that it had been paid. XXXX XXXX & Helvey & Associates failed to report my perfect payment history of 18 years to the 3 credit bureaus. XXXX XXXX and Helvey and Associates are unconcerned that this has affected me personally, professional and financially. I am a XXXX and the lender is a preferred partner this has caused great distress to me personally and professionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP
Product: Money transfer, virtual currency, or money service

Hello, I am contacting you because, I want to express my worries I have regarding Zelle and the way they handle their disputes, in addition to he new CFPB LAW SUIT me, how are the specific issues with how Zelle handle issues the platform. I have dispute using Zelle numerous times. I have also reports when discrepancies. The Zelle institution have failed to investigate my request and claims adequately. Zelle has informed me that recovering lost funds was in possible and tracking was not feasible. I believe the CFPB findings mean ZELLE did not protect as well XXXX neglect consumers but also allowed people that had exploit system to do it again, also leaving using vulnerable to scam. This lack of transparency and accountability is unacceptable and bring more serious concerns for consumers about their safety.
Product: Debt collection

I take great care of my personal finances. Earlier this year I realized that there is a new collection on my credit report that I did not recognize ( never had a collection account on my credit file previously ). I have never done business with XXXX XXXX XXXX or Wakefield & Associates. This medial debt does not belong to me & I have asked through mail ( debt validation ) of Wakefield & Associates to show me proof & they have not. It's been many many months of terror affecting my credit profile. This is my last step before I seek legal guidance. On top of that every month the balance seems to increase, with no statements, documents, proof of debt. They are illegally charging me interest rates on debt that is not even mine in the first place.
Product: Checking or savings account

Ally Bank Issues To Be Discussed Cashed A PA Dept Of Treasury Of Check Told By XXXX On Chat Transcripts XXXX XXXXXXXX XXXX  Thank you for your patience. Reviewing your account and speaking with my back office we show that this check was approved and will be available into your account by end of business day today. Currently ehceck processing is done throughout the day and there is no certain time that's provided. 

Re Affirmed Currently it will be available into your account by end of business day today Phone Call With Rep About account and Deposit and Was Placed From phone Number On Record XXXX On XXXX XXXX @ XXXXXXXX XXXX  Lasted XXXX XXXX lasted XXXX Mins XXXX Sec promised It Would Be Available today XX/XX/year> Then XXXX I get an email you got confidential information the check wont be paid under banking rights i have the rights to information and what the Confirmation on what the confidential information was and the check cleared as agreed Conversation With XXXX Also States It would available the XXXX Of XXXX not XXXX buissness. Day! 

XXXX After Conversation XXXX XXXX XXXX XXXXXXXX XXXX  I have escalated you concern to our executive office. Your phone number has been provided as a form of contact. I have requested that this matter be handled as a high priority. As of now I do apologize again I am unable to have the funds released to the account, but I a supervisor will review your case ASAP and contact you immediately with an outcome. Your reference number is XXXX. Right now the executive team is reviewing the call that you had with the phone agent and the chat agents thread. They do ask that you allow them the time to review your case and they will contact you immediately
Product: Student loan

XXXX XXXX received my Direct Consolidation Loan from XXXX approximately XX/XX/2018. I have been making payments to this consolidation loan at XXXX that qualify toward payments under the PSLF. I have phoned several times, but I have not got XXXX XXXX to research the documents received from XXXX  so that I can have the appropriate number of qualifying payments post to my account.
Product: Checking or savings account

XX/XX/2020 I wire two funds to XXXX XXXXusd and XXXXusd Bank of America locked my online bankingI called many timesAnd verified all my informationthey asked me to go to the branchThis is  very ridiculousI am currently in XXXXUSA closed the border and COVID-19 very seriousHow do I get to the XXXX XXXX This department asked me to explain why I want money to go to XXXX explained and proved everything to themThey still locked my online banking I do not understandI save money in USABecause of XXXX XXXX is freedomThis makes me very disappointed
Product: Debt collection

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX When checking my credit report I notice a charge of XXXX from XXXX through a debt collector by the name of CONVERGENT OUTSOURCING. This is a fraudulent bill and a result of Identity theft as previously reported to XXXX in XXXX. This company has been reckless and negligent in reporting erroneous bills to my credit report. I have sent countless documents to XXXX  showing that this is the result of Identity theft but they have yet to remove this bill from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$16000.00}.
Product: Debt collection

I am receiving repeated calls, letters and texts from this company although I am paying directly to the XXXX
Product: Debt collection

A company called XXXX XXXX continues to call both my husband and I claiming we owe money from an old payday loan. We know that we do not owe any money but they will not stop calling and harassing us. They use many different phone numbers or call from block numbers, most recently this number : XXXX. They claim to be needing to get me papers for a lawsuit but won't give me any specific information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit card or prepaid card

Prior to closing my Chase Sapphire Reserve credit card account on XX/XX/XXXX, I had redeemed all my rewards points to book travel. I had used XXXX points to book accomodations at XXXX XXXX by XXXX XXXX XXXX ( equivalent of Cash value {$220.00} ). 

However my travel plans changed on XX/XX/XXXX and I cancelled my hotel stay. I had intended on reusing the reward points that will be refunded to book new travel. But the points never appeared in my account. Since then I have contacted Chase multiple times to find out how those points can be refunded. Chase keeps on saying that once an account is closed the points need to be used in 30 days. I understand that and that is why I had redeemed all my points prior to closing account. But in the case of travel changes, Chase should provide some grace period of 3-4 days to allow to refund points and then rebook travel. This is deceiving as Chase provided no notification when I cancelled my travel saying that the points are no longer available in my account for rebooking. These are the points I earned based on my credit card spend. Therefore Chase should refund them to me so I can rebook travel.
Product: Credit card or prepaid card

I went to a garage on XX/XX/2020. tried to fix my car. The mechanic couldn't figure out what the problem was but still asked me to pay the inspection fee. I asked him how much he said {$25.00} but the bill was actually {$120.00}. I didn't sign the receipt and they didn't even give me a receipt. Basically I didn't authorize the payment, so I tried to dispute this to Bank of America twice but they couldn't do anything to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian credit report continues to incorrectly report XXXX credit card as over the limit. This information is incorrect and this card was paid in full 45 days ago. I have disputed this twice to experian and they keep coming back with the same balance that the card had in XX/XX/2018. Both XXXX and XXXX XXXX have updated their information correctly. 
They also continue to report a collection account with XXXX and associates which is not mine and has been removed from XXXX and XXXX as well. i have attached both accounts information as they still continue to report it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> Southwest credit system Dear Sir/Madam , I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account number XXXX according too my report. 

I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act, as I have disputed the validity of this debt in writing and have not received proper validation from your agency. 

I am requesting that you provide me with proof of the debt and cease all collection efforts until such time that you can provide me with the necessary documentation. I have never did business with your company no proof of signature of contract, no proof of verification of my identity too open this online contract. 

Failure to comply with this request will result in further legal action being taken against your agency. 

Sincerely, XXXX XXXX
Product: Debt collection

Convergant Inc. supposedly has my comcast account in collections. They talked me into making a payment arrangements based on incorrect information. Everything I read about them tells me they are a scam. They do not have my correct Name or Address or State. I 've tried to talk to them about refunding my payment so that I could pay XXXX directly and they refuse to comply and state that I told them to the correct information even though they dont have the correct information on file for me. 


XXXX XXXX XXXX XXXX XXXX XXXX are the supervisers I 've talked to. They have told me it can take up to 72 hours for them to look into it and I still have n't received anything from them. nothing but radio silence.
Product: Checking or savings account

I had numerous fraudulent charges on one of my checking accounts. The first time it happened in XXXX & XXXX of XXXX Bank of America reimbursed the funds & sent me a new card. However, then the same charges happened again in XXXX, XXXX & XXXX of XXXX plus numerous others. I disputed these charges as well. The bank initially refunded my money. Then in XXXX of XXXX they sent me a letter retracting their previous decision and took my money away. I then was told to fax a dispute letter if I wanted the claim reopened. Which I did ; 4 times!!! They finally confirmed receipt of the letter in XX/XX/XXXX and told me it would be 60 days and they would have a resolution for me. I called back in XX/XX/XXXX and was told my claim hadnt even been looked at! I was then told they would escalate the request and Id receive a resolution within 30 days. I have received nothing! I contacted the claims department today, XX/XX/XXXX and they tell me that my claim was closed and the resolution was sent in XXXX. I asked what the resolution was and they told me that because I didnt file my fraud claim sooner it was not valid. Bank of America refuses to provide me with information proving the charges are not fraud & the refuse to look at my claims any further. Ive lost {$140.00} and the bank just has their representatives tell me Sorry. This is unprofessional & ridiculous! I feel like Ive been violated & the bank does not want to protect their customers.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$170.00}
Product: Debt collection

I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, XXXX  has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection MEDICREDIT XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPS ) 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 the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach

ed out to Equifax to dispute inquiries on my cerdit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX  XX/XX/XXXX this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX XX/XX/XXXX. I have a credit card with this company opened XX/XX/XXXX not associated with this inquiry. 
Equifax XXXX. XX/XX/XXXX I have no mortgages with this firm or accounts associated with this creditor. 
XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? 

I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. 

I have enclosed copies of the section of the FCRA document that Equifax has willingfully violated to ahev these inaccurate inquiries appear on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Divorce decree awarded all student loans from NelNet to my ex-wife. There should be no debt in my name for NelNet. This is ridiculous.
Product: Mortgage

CFPB XXXX XXXX XX/XX/XXXX Wellsfargo still has not compensated me and my family for the wrongful forclosure that occurred XX/XX/XXXX We were first time homebuyers with an excellent XXXX XXXX XXXX, they set us up for failure. 

This mortgage loan was a bad loan from the very beginning XXXX. It was an interest only loan with balloon payment due XXXX of {$180000.00} and a with XXXX mortgage {$40000.00}. We always kept up with the property taxes and homeowners insurance. But wellsfargo never modified our loan like many other banks were doing to keep homeowners in their homes. We tried numerous of time with no solution. Instead they preferred selling the property for {$100000.00}. 

I need some kind of justice. We are a family of XXXX and ask CFPB for help because big banks don't care.