23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The story is very long it started in XXXX with technical issues in processing my XXXX, which they canceled after a month and thousands of call, I had to start a new application and settle for less than XXXX says I should have received, then a check disappeared in XXXX, after a month and a half and thousands of calls rejected payments, overdraft fees, merchant fees and even closed credit cards, they say that the check did not disappear, that it had no funds, it took about a month and a half and about {$800.00} in fees after they promised to remove them all and solve the merchant issues, they did nothing. Mind you the check they say had no funds, came from the treasury department, for my XXXX XXXX. I was closing on a house and my approval got turned down, now my mom and I are stuck in a XXXX bedroom abandoned my account is over {$3000.00} negative. 

I submitted a complaint with XXXX  over 2 months ago no response until XXXX days ago although supposedly the bank had XXXX  days to respond, now XXXX say they would send a letter within XXXX business days its been XXXX days and nothing. They killed my dream today a home and ruined my credit and business, consumed my XXXX  in fees. 

This is unfair my XXXX is living XXXX in my living room because I was denied my approval after being approved and searching for over a year because of thefees, delayed responses, no response, technical issues, terrible communication and more, these people are thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I HAVE BEEN TRYING TO REMOVE THE FRAUD ALERT FROM MY CREDIT REPORTS AND THE COMPANIES KEEPING DENYING ME MY RIGHTS.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX XXXX, Equifax, XXXX are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Product: Debt collection

this company is harassing and utilizing the US mail to XX/XX/XXXXschemes on consumers, I have no debt with this company or any company and never had and this frivolous debt can not and never will be evidenced and I will be suing this entity and reporting to FTC for historical, ongoing and likely to continue corruptive patterns of practice that have harmed many
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute Pursuant to Arbitration Agreement and Demand for settlement To Whom It May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with the initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of XXXX $ to compensate for the mental distress, XXXX, emotional distress, and financial hardships that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I was to emphasize that the costs associated with the initiation arbitration proceedings, including filing fees, arbitration deposits, and any legal costs throughout the arbitration process, will be significant. As per the arbitration procedures outlines in the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I will remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS confirming your acceptance of my settlement terms and detailing steps you take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with the arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , equifax and XXXX. these companies have not corrected the error.
Product: Money transfer, virtual currency, or money service

Reporting a large money launder, 50 million+ launderer through cash app, XXXX, XXXX  scams. 

XXXX XXXX XXXX XXXX Current cash apps used for scams : XXXX XXXX XXXX XXXXXXXX Have cash app take these cash tags down immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 XXXX XXXX XXXX ACCOUNT # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ACCOUNT # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately. 

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

To Whom it May Concern : My son found an old gift card ( MasterCard ) with an expiration date of XX/XX/XXXX. I have been unable to get any information on the card. The customer service No. is ( XXXX ) XXXX and the site is : XXXX I was unable to get a hold of anyone. The system does not recognize my card and it places you in a loop to report it " lost or stolen '' or alternatively enter the account number again. 

I can't tell if the card has been used. I can't get a transaction history. From what I understand from my son, he cleaned his room and found the card. I don't believe that he ever used it, but I can not verify. 

I know that in California, Cal. Civil Code 1749.5 Expiration date is prohibited.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI 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 LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXXXXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE 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

I signed a contract with XXXX XXXX to have solar panels installed at our residence. On XX/XX/XXXX, I paid XXXX XXXX a {$5000.00} down payment with our Discover Card for the project. Work was supposed to start in XXXX of XXXX. In XXXX of XXXX we learned through news sources, primarily The XXXX XXXX XXXX, that XXXX had closed and ceased work on all projects. I repeatedly reached out to XXXX through email, phone calls, and a certified letter, but heard nothing. When it became clear that we were not going to have our project completed, or our down payment reimbursed by XXXX, I filed a complaint with the Wisconsin Department of Agriculture Trade and Consumer protection, and filed a police report. I then reported the fraudulent charge in XXXX to our credit card company Discover and filed a dispute. On XX/XX/XXXX Discover denied my claim, saying in part that they could not " validate the details of your claim '', despite the fact that I provided the contracts, receipts, all communications, and the actual charge on the credit card. After receiving this I contacted Discover by phone XXXX times to get an explanation. I was given various reasons including that XXXX wouldn't communicate with Discover, and that the charge happened a long time ago. I found an online community of people who also lost money and/or have had incomplete projects through XXXX. I was ( and still am ) very frustrated to learn that pretty much all of the people who put money down through their credit cards were able to get the money back, including other Discover customers.
Product: Checking or savings account

I was alerted that a bank account was opened in my name at Bank of America through an email. I currently have credit cards with Bank of America. When I called Bank of America to report that I never applied to open an account, the first person I talked to said I had to talk to a different department, but she couldn't transfer me. Her name was XXXX out of XXXX XXXX She gave me a different number to call. The next person I talked to said that because the account was opened today, she can't close it today, so it would take up to XXXX business days to close. I then said what am I supposed to do for 10 days? Clearly someone has stolen my information- there is a lot they can do in XXXX business days. She then told me that she couldn't help me further, and I needed to talk to the fraud department. She then transferred me to the fraud department. The woman there told me that because there had been no transactions yet, there is nothing she could do and I needed to talk to the checking department. I have gotten nothing but the run around from Bank of America. 

Additionally, it is baffling to me that in this day in age where I have to be texted pin numbers any time I breathe while banking with Bank of America that they would not have had something like that before they approved a new application under my name. I literally have no idea what steps I need to take now because bank of America refuses to help me when someone fraudulently opened an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative items on my credit report and I didn't receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint arises from incorrect reporting on my credit report. In the past XXXX years, XXXX XXXX has reported my account over 30 days late on XXXX different occasions. In XXXX of XXXX, a payment deferral was taken due to COVID, at that time the late payment was to be added on the back end of the loan. The next payment made in XXXX was made on-time, however XXXX XXXX inadvertenly put that payment towards principal only. From that point on, a late payment did accrue. There has never been a missed, nor a late payment on this account. Please see the attached payment history as well as the last 24 month statements. 

In XX/XX/XXXX I submitted a disput on Experian Credit and nothing was resolved. On XX/XX/XXXX I called XXXX XXXX to discuss the situation and it was discussed and reviewed that no payments were ever late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : {$5600.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT  ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on Experian to remove Tennessee XXXX XXXX off my credit report. This account is closed and paid off. The update that occurred afterwards is false. I have not made any recent payment to Tennessee XXXX XXXX. This update is fraudulent. My case was closed in XXXX when my son was adopted and the balance was forwarded to the county I reside in now. Also, the date of last payment is different on two different bureaus if you look at my report for Tennessee XXXX XXXX you will see someone put ND because there was no payment due, and all of a sudden I made a payment out of nowhere? That makes no sense.
Product: Vehicle loan or lease

We had a vehicle loan with Wells Fargo between XXXX. We paid unnecessary fees and over paid on interest. We were not given our refund from the class action suite . Our email has changed since the time of our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a dispute letter to Transunion and it was recieved on XX/XX/2020 and I waited 45 days before I contacted them to see why hasn't my dispute letter, disputing negative accounts has not been processed. Transunion verbally informed me over the telephone that my dispute letter would not be processed, I asked why? and was told to I was being transfered to a manager and the line disconnected. It has since been 60 days and Transunion has not responded, I have attachted the dispute letter and certified receipt that I sent to Transunion.
Product: Mortgage

Ocwen has made all kinds of mistakes Now transferred to PHH its still the same Homeowner has done everything to save their home from foreclosure FHA Administration will be contacted Lender had someone fraudulently with wrong email and info on this account PHH insisting to foreclose relationship manager does not respond
Product: Credit reporting, credit repair services, 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. 
XXXX Account listed on the pdf attach, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I checked my report, as I always do, and suddenly these discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. Now, Im left worrying, and I ask that the documents I submitted be reviewed carefully so I can put this behind me for good.
Product: Checking or savings account

I have a joint account with my wife. We both attend XXXX XXXX XXXX XXXX. We both received checks from our college, totaling {$6100.00}. They said, the money will be deposited tomorrow morning. My wife woke up in the morning, saw the money in the account, and spent {$920.00} to pay our bills. Then, suddenly, the rest of the money was gone. Its weird since we only spent {$920.00} and yet we were at a negative balance of {$920.00} in our bank accounts. When we called them, they said, we have a legal hold on the money. You should call the fraud prevention department. When we called the fraud department, they werent making any sense ; they were acting like they had no idea what was going on. We called four different numbers and asked when our money was coming because we have a newborn and a toddler to take care of. They all gave us different answers : the XXXX person said XXXX  days, the XXXX  said XXXX  days, and the XXXX  person said until Tuesday, which is XXXX  days from when we deposited the check. 

All I want is for them to explain it to us professionally and clearly about whats happening. At least I want them to be honest. My wife and I felt discriminated against since we are both XXXX ; Im XXXX and shes XXXX. I dont want to play the XXXX XXXX ; I dont think Im XXXX, and I dont think everyone is XXXX. But I feel like because of our XXXX  and income, they think we will make a fake check and commit fraud, which bothers me. The reason why our income is low is that we are XXXX XXXX  and only work part-time. We really depend on the money our college sends us to help us financially. 

You will never see a check as real as the one we gave them. Our college uses XXXX  XXXX XXXX checks, and XXXX is a very large bank ; they should know how to detect a XXXX  XXXX XXXX check. Our check name matches our ID name. It has our college address and phone number. The check has all the information provided to prove it is real. There is no need to hold it for too long ; we need the money now. My wife couldnt pick up her car at the mechanic shop because it costs {$3000.00} to fix her SUV. Thankfully, after explaining it to our mechanic, he said he doesnt mind letting us leave our car until we get the money They also locked my wife out of her account, so she couldnt log in. When she called customer service, for some reason, they helped her log back in.