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

Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system XXXX XXXX XXXX is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an apt with a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me XXXX XXXX XXXX XXXX XXXX XXXX then I have to wait weeks for my report thankyou
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Complaints on the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I asked the credit bureau to do a credit verification on these creditor in which they did.I found improper inaccuracy on my credit report. Ive been trying to get in contact with this company to verify if this debt is correct or not because it is so old. 

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: Debt collection

XX/XX/2019 Radius Global report debt to my credit report for {$3100.00}. 
Explained the debt is not mine and Radius Global refused to remove collections from credit bureaus. 

Debt is belong to a minor of friend who visited my town. 
Debtor is not related to me or family member.
Product: Checking or savings account

I have been locked out of my ALLY bank account since XX/XX/XXXX. I have had multiple, more than XXXX contacts with ALLY with no satisfaction. They keep telling me they know what the problem is and its in triage and someone will call me. No one has called me. 

The week of XX/XX/XXXX I asked them to send me my XXXX statement via email. Was told it would take XXXX business days. Today I get a call indicating they cant send a report that I normally see online because I have a joint account with my spouse. When I called XX/XX/XXXX to check the status of getting online access I had the representative read me all of my account balances along with the last 4 positions of account numbers. I could use this to cross reference, XXXX is one of my accounts. 

1. I need online access to my accounts.
Product: Money transfer, virtual currency, or money service

I bank with Wells Fargo On XX/XX/XXXX I contacted Wells Fargo to advise that I was scammed out of {$3500.00} for a vehicle purchase. I sent a XXXX transfer on XX/XX/XXXX for this vehicle purchase not realizing I was being scammed. Wells Fargo promotes XXXX on their website so this made me feel comfortable using this service under my Wells Fargo account. I felt XXXX was a legit service and if anything went wrong my bank Wells Fargo would step in to help. After all I'm sending money to another bank so if anything went wrong, my bank would do everything possible to retrieve my money. I didn't expect anything to go wrong but little did I know it did. I explained on XX/XX/XXXX when I first filed my complaint under claim # XXXX {$3500.00} dispute. That I was dealing with a XXXX XXXX XXXX XXXX XXXX another name he goes by ) for my vehicle purchase who during the XXXX transaction put in himself the phone number and name of another individual i didn't know which was the name XXXX XXXX who I never met and do not know. I never received my purchase and once I discovered the money went to the wrong person I knew I was scammed and reached out to my bank Wells Fargo. My Wells Fargo confirmation # for the transaction is XXXX XXXX XX/XX/XXXX. I was told that a representative would call me for additional information about my claim and no one every called me back from Wells Fargo Online Claims Dept. I have been calling for over a month trying to get in touch with a Wells Fargo Supervisor and Manager to find out why my claim # XXXX was closed without giving me any real explanation. I'm being told they know it was a scam but unable to do a chargeback. They can only request my money back from XXXX and refuse to give me provisional credit until they get my refund. I had to call back to re open another claim # XXXX which was given on XX/XX/XXXX and I still have not received a follow up call from a supervisor or manager. I continue to get the run around with Wells Fargo and I'm becoming very impatient because I can't get the help that I need from my bank who I never had issues with until now.
Product: Mortgage

In 2017, my FHA mortgage was {$860.00} monthly. My mortgage payments began increasing with no explanation. The mortgage service was XXXX XXXX. After many calls and no answers given, I hired legal counsel. My Attorney, checked my recorded mortgage and found that U.S. Bank had changed my mortgage from FHA to XXXX. This was done without my knowledge, permission or signature. The mortgage increased to {$3500.00}. I could afford the payment but, after finding out what the bank had done, I stopped payments. Knowing my mortgage was FHA, there are Federal rules that have to be followed. The bank did not follow the FHA guidelines. Instead, they chose to start foreclosure proceedings. My Attorney fought this to no avail. The Bank never produced a signed document. Yet without admitting their wrong doing, their excuse was, we are not located in the same state and could not carry out the face to face meeting. If this had taken place, my property would not have been foreclosed and sold at the auction. I now have filed a Federal Law suit against U.S. Bank, XXXX XXXX. Their commitment of Fraud has caused serious harm to me and my family. 
I am filing this complaint at the direction of a Attorney. U.S. Bank has committed Federal Fraud. Also, my property is located in a area that is being gentrified. Very close to the XXXX  XXXX. I know I can't be the only person this has happened to.
Product: Credit reporting or other personal consumer reports

On XXXX at XXXX am I called in to deal with information TransUnion received through my cfpb complaint. I was told the day before that once I had confirmation that TransUnion had received my FTC report to call back in to get my hard inquiry removed. I talked to XXXX XXXX referred me to the special team took my cfpb file number complaint. Was transferred to XXXX after a XXXX minute hold I confirm my identity told her what I was there to do she then proceeded to be rude condescending said that they had not received any complaint after a few minutes I realized I was going to get nowhere after she told me that it would take XXXX business days for them to receive anything was also told at that time she is a supervisor after I asked could I speak to someone else told her she was extremely rude and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00}.
Product: Debt collection

I never received any notice about this so-called debt that Midland claims is mine. I 've never received anything in writing/mail regarding this debt. I only found out about this debt when I ran my credit report. I have since requested numerous times that Midland verifies that this debt is actually mine. They have failed to do so and are now after carefully monitoring my credit account I have found out that Midland is now threatening me legally. I feel that my legal rights are being violated and this company are using unscrupulous means of collecting a debt without legal validation.
Product: Credit card or prepaid card

This is for Elan Financial Services. In XX/XX/2019 I opened a card with Elan. First, they have astronomical fees that were not disclosed. I looked everywhere, there are no signs of any explanation. 

But the most important and alarming complaint : I attempted to link my XXXX XXXX XXXX XXXX account to them. Not only did they reject the account number on XX/XX/XXXX ( which I can live with ), but the letter they sent said they sent my payment back to them!??? If it's the wrong account number how in the world could they send it back?! It gets better. My payment didn't come from that credit union! So they took my {$400.00} payment on XX/XX/XXXX, from my XXXX XXXX  account, and they SENT IT BACK TO THE *WRONG* credit union account , which they already told me was " wrong ''! 
Anyone would freak out by this, so I instantly called them. The girl that answered was polite and agreed it was odd, and she suggested I file for a trace. Which I did. I supplied all the necessary documentation. They completely disregarded what I sent them and said the proof I sent was about my payment. 
YES! I KNOW! WHERE DID IT GET SENT TO!? 

I have a right to know where they randomly sent my {$400.00}, but I don't trust this company to help me get it back. I called again, and asked to talk to a manager. I couldn't believe it, the manager was less knowledgeable and more ignorant than the front line reps. He was incredibly rude. He also refused to look into my situation, and kept asking me over and over if I felt like he was giving bad customer service, in response to my questions. He was very confrontational and immature. 

That is only part of it. I DID link my XXXX XXXX  account to this card, XXXX same account my first payment came from. The one they sent to the " wrong '' bank ). Anyhow, I set up regular payments to pay at a set time every month, but they don't work like that. For 3 months in a row they took a random amount they chose ( all 3 different amounts, all at different times of the month ), to pay that bill. I only keep enough in there to pay the bill when it pulls, but they picked their own times and increments. And sure enough, they ALL got returned for insufficient funds! Again, all different fee amounts. 
It shows that the bills were paid online. Which is wrong. Plus I'm the only one who has access to this card. And my experience with them is, it won't do me any good. 

I've only had this card for 5 months and it's literally been XXXX. 

I'd really like, more than anything, to know what they did with my initial {$400.00}. 
And I'd like to know how they justify treating human beings so horribly.
Product: Credit card

Barclay 's bank issued a new XXXX XXXX XXXX card to me in 2015 that I did not request and then sent it to the wrong address along with subsequent statements and eventual termination notice. I live at XXXX XXXX XXXX but the account was associated with my name at XXXX XXXX XXXX By the time I learned of the issue the account had already been closed for nonpayment. The representative I spoke to on the phone told me that nobody I could speak with on the phone could reverse the negative impact on my credit report once an account had been closed. The agent also confirmed for me that no purchases had been made on the card but that I had been assessed an annual fee that then accumulated interest + late fees and eventual closure of the account. I obviously can not be expected to respond to correspondence that is not sent to my correct address, let alone pay an annual fee for a credit card that I did not request or use.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Error : In reviewing the two-year payment history provided by Experian, late payments are inaccurately noted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However : Payment records confirm that the payments were made within the appropriate grace period. 
No delinquency notices were issued for the periods in question. 
The reported late payments violate 15 U.S.C. 1681i, which requires credit reporting agencies to ensure maximum possible accuracy of information in consumer files. 
As stipulated by 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The failure to correct this error suggests non-compliance with these legal requirements. 
Legal Violations : FCRA : 15 U.S.C. 1681i mandates that credit bureaus investigate disputes thoroughly and correct inaccuracies. The persistence of these errors demonstrates a failure to fulfill this obligation. 
TILA : The inaccurate reporting undermines the Truth in Lending Acts aim to ensure fair and accurate disclosures to consumers. 
PAANL : The Protection Against Non-Payment of Obligations Act further reinforces the necessity of providing accurate and timely statements to avoid penalties to consumers, which was not adhered to in this case. 
Desired Resolution : I am requesting the following corrective actions : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the correction from Experian. 
Verification of the updated report to ensure the information reflects my actual payment history accurately. 
If this issue is not resolved promptly, I will escalate my complaint to include filing additional complaints with the CFPB and other relevant agencies, and I may explore legal remedies to address the harm caused by these errors. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019 I sent a certificate letter to Transunion ( XXXX ) regarding that is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX   XXXX. I have contacted this company at the address listed on my credit report here. As you can see .I have enclosed a photocopy of my mail being returned from the post office due to an invalid address .Given that the furnisher has provided false information to Transunion about me .and provided to Transunion false address .Despite the proof that I sent to Trasnunion did not want to delete the account that is wrongly reported.I called Transunion on XX/XX/19 and they still saying that the information is accurate because they supposedly contact the creditor. I have requested the method of verification because If I cant contact the creditor by myself how can they contact them if they have the same address that I have? They only said that they use e-oscar or any means of automated verification. So I started to ask them the name, address, and telephone number of each person contacted regarding this alleged account .For my surprise they refused to give me that information. Clearly with the XXXX XXXX Method of verification they cant gave me that information because they don't have it .I told them I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) .Given that I believe you are acting in bad faith. 
Another thing, in my last complaint XXXX they expressed on XX/XX/19 that it  would take 60 days to investigate the claim .I called on XX/XX/19, they didn't have in the system that I had made any claim regarding the XXXX XXXX XXXX INACCURATE ACCOUNT.
Product: Credit card

I paid the statement balance on my Target Visa card in full on XXXX XXXX, three days before the due date, and the transaction posted to my bank account at XXXX XXXX the same day. The funds were taken from my bank account and my credit card showed 'XXXX ' balance. 
Last week I found out that some automatic payments were declined so I checked my credit card online and it still showed a XXXX balance on XXXX XXXX. 
I called the credit card company today to find out that my payment was still on hold and had not been posted to my account so my available credit was XXXX! The rep I talked to ( his name was XXXX and he refused to give me his last name ) said this was their procedure and he would apply the funds to my account as a courtesy. I reminded him that this was no courtesy when they kept my money for two weeks, and he should be apologizing. He did not, repeating that this was their procedure. I reminded him that this never happened before and asked if there has been any changes to my account, and he said 'No '. 
I believe a financial institution should not hold customer funds for two weeks. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I registered a PayPal account in XXXX. In the spring of XXXX I made many sales on XXXX  with funds going into my PayPal account. On XX/XX/XXXX I was notified by email from PayPal that my account had been permanently limited and that funds would be released for withdrawal in 180 days. 

On XX/XX/XXXX, PayPal made a withdrawal to itself of all funds in the account. {$7800.00} USD The last activity in the account prior to this was XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, the balance had been {$7800.00}. There was no explanation given and they will not communicate. 

On XX/XX/XXXX. 186 days after the limitation. I checked the account to see there was no balance, and discovered that PayPal had taken the funds in the account.
Product: Credit reporting or other personal consumer reports

Has had scheduled payments not processed by creditor, resulting in credit file reflecting late on payments. Payments have been made and account is satisfied.
Product: Credit reporting or other personal consumer reports

This item has been reporting on my credit for over XXXX  years and needs to be removed as of XX/XX/year>.
Product: Consumer Loan

Due to a recent repossession in 2016 I should be no longer in debt to the finance company since vehicle was confiscated which means I am no longer in debt to finance company and should not be reporting negatively on all XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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.