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

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX  ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE ALL PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Credit card or prepaid card

On XX/XX/2020 I noticed a new inquiry on my credit report dated XX/XX/2020, shown through Capital One 's credit monitoring service XXXX XXXX. The inquiry was related to a Capital One card for a company called Cabela 's. On the same day, I called Capital One to report suspicious activity ; a customer service agent said they'd transfer me to the fraud department, but no one answered, and after I called back again, I wasn't able to get in touch with anyone. 

On XX/XX/2020, I called Capital One again, and the customer service agent I spoke with wasn't able to find any information on my account related to opening a new credit card. They suggested I call the credit reporting agency. 

Later on XX/XX/2020, I called XXXX  and connected with a fraud specialist, who did see the inquiry on my account. They said they would report this back to Capital One, and that if I filed an FTC or CFPB complaint, that I should mail those documents to XXXX 

After this phone call, I logged onto XXXX XXXX, and I saw a new alert showing an inquiry for Capital One / Cabela 's, this time dated XX/XX/2020, reported by XXXX.
Product: Mortgage

My wife and I, applied and were tentatively approved for a V A refinance through Navy federal credit union ( XX/XX/2020 ). All concerning documents were then submitted numerous times as requested to loan officer ( XXXX XXXX ). But then Amid all transactions and setbacks lasting through ( XX/XX/2020 ), We then received a denial letter stating all requested documents were not received by them in a timely manner resulting in their actions. That was total XXXX and the LAZY ) loan officer assisting us as well as her supervisor knows the same. XXXX XXXX and her supervisor who phoned me during the aftermath should be fired..
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I ordered a XXXX XXXX ( Model # XXXX XXXX XXXX XXXX ) online from XXXX. On their website, you can finance with them, and they use TD Bank for this purpose. 
After waiting several weeks I contacted XXXX XXXX their online chat on XX/XX/XXXX about the status of our order as we hadn't seen any progress in the shipping. I will attach the chat with XXXX in the documents. They indicated that it was Lost/Damaged and returned to XXXX, without any contact to us. The representative on the chat could help me no further and directed me to call the Billing and Returns department. I did that the same day and was issued a refund by XXXX, as I indicated that due to this error, I no longer wished to purchase with them. I was told I would receive a full refund, and that it would take 2-3 weeks to process with TD Bank. I have the confirmation email concerning the full refund. 
On XX/XX/XXXX A collections letter/bill showed up in the mail from TD Bank for this account, with a late fee added on XX/XX/XXXX. When I called, TD Bank indicated that the refund must not have posted, and to call back in a week. On XX/XX/XXXX I received a second collections letter from TD Bank and I called again. This time the representative of TD Bank could see that a refund was there, but had not posted yet. When I asked why then would I be charged a fee and interest on an account that should have a XXXX balance, as I had a full refund, the representative didn't have an answer and said they will have someone call me to rectify it. It is now XX/XX/XXXX and I have heard from no one and can get no where near a resolution with TD Bank. 
This has been going on 8 weeks, I filed complaints against both TD Bank and XXXX  with the Better Business Bureau on XX/XX/XXXX.  XXXX has not responded to anything since XX/XX/XXXX and directed me to contact TD Bank, of which I am getting nowhere. My concern is I'm going to have a negative effect on my credit for a product I never received.
Product: Checking or savings account

I am no able till now to access my account with Wells Fargo Bank. I need to access my account because this is account receive my Social Security XXXX fund. This Wells Fargo Bank need to contact me directly on how to access my account right now by using my Social Security number.
Product: Debt collection

Submitting proof of residency again for fraudulent accounts XXXX XXXX XXXX to be reviewed and removed from XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

Opened account. Bank declined deposit. Account was frozen. Account was rectified, and steps followed to complete account unlock. Account wasnt unlocked, no email responses. No feedback on social media. Accounts been in good standing for over 3 months and had funds over {$2000.00} locked for entire time.
Product: Mortgage

XX/XX/XXXX On XX/XX/XXXX I received notification from XXXX XXXX XXXX XXXX XXXX advising that the servicing of my loan had been transferred effective XX/XX/XXXX from UNITED SHORE FINANCIAL SERVICES , LLC to XXXX XXXX XXXX XXXX XXXX and that UNITED SHORE FINANCIAL SERVICES , LLC stopped accepting payments received from me after XXXX XXXX. 

I have never missed any payments, now I am receiving foreclosure letter from UNITED SHORE FINANCIAL SERVICES , LLC attorney advising of foreclosure. This has ruined my credit score, t UNITED SHORE FINANCIAL SERVICES , LLC is reporting over 90 days late on my credit, dropping my score over 100 points. 

I have contacted both servicers ( prior and new ) and one says I have two accounts with them, two different loan numbers. I have never missed a payment and have spent hours on the phone trying to solve this at no avail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account 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 an account without my written instructions.
Product: Vehicle loan or lease

I setup auto payments for my honda auto lease and paid every month the way i should. 

After my account was closed and FULLY paid off honda assessed additional fees but failed to notify me. Even those fees were later negotiated and then i made another payment for new fees assessed. these fees were never late as i paid my full lease agreement every month. 


Honda reported a 30 day late to all 3 credit bureaus without notification and while they were still negotiating the lease end fees
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Incorrect Account Reporting, Violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an account inaccurately reported on my Experian credit report. The reporting company has failed to comply with the Fair Credit Reporting Act ( FCRA ), and their actions may also violate IRS regulations regarding debt forgiveness.

Details of the Issue : The account in question was sold, transferred, or charged off. However : 1. The account remains negatively reported on my Experian credit report, in violation of 15 U.S. Code 1681e, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

2. Despite my dispute, the company has failed to conduct a proper reinvestigation as required under 15 U.S. Code 1681i.

Additionally, because this account was charged off, the creditor was required to issue me a 1099-C for canceled debt income under IRS guidelines . Instead, they continue to report the balance as a negative item on my credit report, which constitutes double reporting and is inaccurate. If the account was sold or transferred, the original creditor no longer has a legal right to report the balance.

Harm Caused : The inaccurate reporting has negatively impacted my credit score, which has affected my ability to secure loans or credit at reasonable terms.

I have also been unable to file proper tax documentation due to the lack of a 1099-C for the charged-off debt.

Supporting Documents : I am attaching my Experian credit report highlighting the account in question. I attached a letter from Autonation whom states they couldnt find any account and needed me to provide information. I never signed a contract with Autonation and additionally I am requesting the original contract agreement signed by me and dated with the company Autonation. Additionally, I am happy to provide any further information necessary to assist in resolving this issue. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with the FCRA and IRS regulations. 

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

Complaint submitted on XX/XX/XXXX to Transunion, XXXX, and XXXX. The have not deleted any incorrect information. The things reported in XX/XX/XXXX are still on the credit report this is XX/XX/XXXX ,11years. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a response from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out. 

He admitted to these mistakes and assured that no negative reporting would be made. 

I checked my report and saw that it was a negative mark that has effected me by a XXXX  point swing. I submitted the dispute with XXXX  and the company disputed and didnt hold up their end of the bargain. 

I have also reached out by phone to bmo Harris bank
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 customer 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 seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on My Credit Report Dear Equifax Customer Service , I am writing to formally address the inaccurate information still present on my credit report, despite my previous dispute submissions. The information in question has not been corrected, and the issue remains unresolved, which is unacceptable. 

I am particularly concerned due to recent developments, specifically the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights the very issues I am experiencing with Equifax. According to the CFPBs complaint, XXXX has been failing to resolve disputes and remove inaccurate information in a timely and accurate manner, despite the clear evidence presented by consumers. This is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting agencies investigate disputes thoroughly and ensure the information on credit reports is accurate. 

I am encountering the same challenges with Equifax. Despite my efforts to resolve this issue, incorrect information remains on my credit report, which continues to negatively affect my credit score and financial standing. I previously submitted a dispute on XX/XX/XXXX regarding the inaccurate information, and I am now formally requesting that Equifax : Immediately conduct a thorough and accurate investigation into the disputed items on my credit report. 

Correct the inaccurate information that has not been resolved. 
Provide me with an updated, corrected copy of my credit report once the changes have been made. 
As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate information corrected within 30 days. The failure to do so not only violates my rights under the FCRA but also contributes to the broader concerns outlined in the CFPBs lawsuit against XXXX. The same issues I am facing with Equifax reflect the systemic problems that the CFPB has pointed out in its legal action. 

If this matter is not resolved promptly, I will be forced to escalate this issue, including filing additional complaints with the CFPB and seeking legal remedies available to me to protect my consumer rights. 
Please acknowledge receipt of this letter and inform me of the next steps within 30 days, as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity Bank via Bread Financial is holder of several of my credit cards, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and more. Their website has been down for over a week. I can not access my statements nor can I pay my bills. They have posted these canned responses online that day call the number on the back of the card to make your payment. When you call, the system gives another canned message to call back. They then posted online to use Easy Pay and gave a link. It does not work. You can not reach anyone at XXXX on the phone. No way to pay my bills. No was to see my statements. 50 million folks in XXXX can't be wrong. I need to pay my cards before this affects my credit score and I get hit with late fees.
Product: Credit reporting or other personal consumer reports

I have XXXX student loans that were transferred to Mohela from the US Department of Education or XXXX, but when I look into my credit report there is a different name that I have never heard in my life ( XXXX XXXX XXXX ). Model is no longer showing on my XXXX credit report. My student loans needed to get off my credit report and forgiven because I filed bankruptcy and it is still on the credit report.. I called the company for this information or to get this remove, I called XXXX and they would not help me about this issue. I requested these charges to be remove from my credit and I received an email stating I requested the dispute to be remove but when I called they tell me that this was not done and the investigation was completed within XXXX  days. They said the information is true and accurate.
Product: Money transfer, virtual currency, or money service

I got scammed into crypto trading fraud. The amount I invested was about $ XXXX. Last transaction was XX/XX/2023. Through XXXX wallet, trading platform site is XXXX.
Product: Debt collection

XXXX XXXX. Spoke with representative about my 3 account and she notated that all 3 Would be paid by the end of the month XXXX XXXX another representative called about my accounts and I told her that I have already made arrangements on all 3 of them XXXX XXXX. Another representative called about my accounts and I told her again that I made arrangements and to please stop calling since arrangements were made yesterday and this makes 3 times
Product: Checking or savings account

Good Morning. About a week ago I came down with the notorious XXXX virus. I went to the bank in the drive-thru lane to make a withdrawal of my funds during this tuff time period. I am told by the banker that i would not be able to make a withdrawal. Immediately I knew that I was being racially profiled. I asked why and the banker said my account has a block. I ask why my account has a block and he did not mention that he was the one who enacted the block but came up with some excuse that I can't remember at this time. He secretly blocked my account without notifying me while i was there. I find that strange because I was using my debit card just fine before I went to that bank to make my withdrawal. The banker refused to withdraw my funds and treated me with such disrespect that I have ever been treated within my life from a banker. I went home and cried because I know that banks would either be reluctant to release my funds to me because of XXXX or the fact that they are racially profiling me. I have called numerous times numerous days IN A ROW! Thankfully I was able to get my money out by sending the money to someone else using XXXX and XXXX XXXX. Otherwise, the bank would still be holding my money captive during this crazy tuff time. US bank dropped the ball this time. I am so upset because I am not able to pay my bills because my account is locked. My billers do not accept cash. I am in self-isolation due to XXXX and i do not want to put anyone at risk trying to go out and get a prepaid debit card loaded up with the cash i have on hand. This is what the banks do when the going gets tuff. They block your account and racially profile you and say your apart of fraud WHICH I AM CERTAINLY NOT. I am so upset and frustrated I have even called corporate and are waiting for a response. Corporate has told me numerous times they would not be able to release the block on my account and only the manager of the bank who racially profiled me could. They told me they would reach out and get back to me and they have not. I want whoever to be held responsible for making my life harder than it already is. Nobody has helped me to solve my problem. This bank is operating in a predatory manner. During this tuff time, it is unacceptable.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these, und er Section 611 ( 5 ) ( A ) of the FCRA- they  are required to '' ... ..promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Orignal creditor : XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Account type Collection Status Collection account. {$3900.00} past due as of XX/XX/2023. 
Status updated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I pulled my credit report and noticed that Transworld System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report and also I sent a follow up letter for them to validate the debt, they never sent anything and they had the debt removed and then replaced it on my credit report 2 months later without no notice at all.
Product: Checking or savings account

There was a fraud case on my Wells Fargo account where someone in California deposited a check of an absurd amount into my account and somehow withdrew it. There is clear evidence of the check being deposited in California as I live in Colorado, now the banking institution is harassing me for this money when there is clear evidence I was associated with any of the fraud transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing this saying its not mines it doesn't belong to me amd they haven't supplied me proof
Product: Debt collection

Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$2000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX Experian Account Number XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). 
Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : 1. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
2. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
3. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
4. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( XXXX, Experian, and XXXX ) . 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary. 
This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX