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

I AM OUTRAGED AND DEEPLY DISAPPOINTED THAT YOU HAVE FAILED TO REPORT MY CLAIMS IN A MANNER THAT COMPLIES WITH THE REQUIRED STANDARDS, AND I AM DEMANDING IMMEDIATE CORRECTIVE ACTION. THIS LETTER SERVES AS MY FORMAL AND UNEQUIVOCAL DISPUTE REGARDING THE CLAIMS REPORTED IN THE NOTICE. 

YOU HAVE BLATANTLY FAILED TO FOLLOW THE MANDATORY XXXX XXXX DATA-FILLED FIELD FORMATTED REPORTING STANDARDS, AND I CHALLENGE YOU TO PROVIDE CLEAR, IRREFUTABLE EVIDENCE THAT EACH CLAIM WAS REPORTED PROPERLY. 

LET ME MAKE THIS ABUNDANTLY CLEAR : I DO NOT DISPUTE THE VALIDITY OF THE CLAIMS THEMSELVES, BUT I ABSOLUTELY CONTEST YOUR FAILURE TO REPORT THEM IN FULL COMPLIANCE WITH FEDERAL LAW. ACCORDING TO THE LAW, YOU ARE LEGALLY OBLIGATED TO ENSURE THAT EVERY SINGLE CLAIM IS REPORTED WITH THE HIGHEST DEGREE OF ACCURACY AND COMPLETENESS. THE WAY THESE CLAIMS HAVE BEEN REPORTED IS NOT ONLY XXXX IS ILLEGAL. 

UNDER XXXX XXXX, THE CLAIMS YOU HAVE REPORTED ARE QUESTIONABLE AT BEST AND LIKELY UNLAWFUL IN THEIR EXECUTION. IT IS UNACCEPTABLE FOR MY PERSONAL AND FINANCIAL REPUTATION TO BE HARMED BY YOUR NEGLIGENCE, AND I AM DEMANDING THAT YOU IMMEDIATELY CORRECT THE RECORD. 

XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 


THESE ACCOUNTS WERE PAID. THIS CREDITOR VIOLATES MY RIGHTS UNDER XXXX XXXX. 

Code XXXX XXXX - PROMPT AND FAIR CREDITING OF PAYMENTS. 

( a ) PAYMENTS RECEIVED FROM AN OBLIGOR UNDER AN OPEN-END CONSUMER CREDIT PLAN BY THE CREDITOR SHALL BE POSTED PROMPTLY TO THE OBLIGORS ACCOUNT AS SPECIFIED IN REGULATIONS OF THE BUREAU. 

SUCH REGULATIONS SHALL PREVENT A FINANCE CHARGE FROM BEING IMPOSED ON ANY OBLIGOR IF THE CREDITOR HAS RECEIVED THE OBLIGORS PAYMENT IN READILY IDENTIFIABLE FORM, BY XXXXXXXX XXXX. ON THE DATE ON WHICH SUCH PAYMENT IS DUE, IN THE AMOUNT, MANNER, AND LOCATION INDICATED BY THE CREDITOR TO AVOID THE IMPOSITION THEREOF. 
THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Treatment of inaccurate or unverifiable information. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I WILL WAIT FOR YOUR RESPONSE IN WRITING.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX at XXXX XXXX XXXX XXXX and tried to use their auto robot answering service and got hung up XXXX  times before finally getting my unfreeze set up. 

Lastly the recording gave me a number to write down maybe XXXX numbers or more, but the " she voice '' gave the numbers so fast I could not write down, then she repeated but again so fast I could not write down - I'm XXXX  years of age. 

There was no option offered to speak with someone about the problems I was happening- the robot just told to go online to resolve- but going online to unfreeze my credit freeze initially was unsuccessful on several attempts. 

It took me approximately XXXX hours to get the XXXX credit bureau 's unfrozen - but EXPERIAN was the absolute worst. 

XXXX more issue, not XXXX of the English speaking persons with XXXX or XXXX could speak easy to understand XXXX. It gets very frustrating for us Seniors.
Product: Checking or savings account

Wells Fargo overdraft fees from all my past accounts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/year>. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed 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 XXXXXX/XX/year> Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX.
Product: Debt collection

I failed to pay my last bill for {$100.00} with XXXX in XX/XX/XXXX. The account was sold to Diversified collections agency. I paid the full amount to Diversified in XX/XX/XXXX with the verbal agreement that they would delete the derogatory information from my credit report. Not only did they fail to uphold their part of their agreement, but they reported to XXXX " Settlement accepted on this account ''. This is false. I paid the full amount, and I paid with the agreement that this would be deleted from my report. Additionally, because I paid the account 3 years after it XXXX went delinquent, this will not fall off my report for 3 additional years. I have been penalized for making good on my debts.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a line of credit with XXXX XXXX to buy a new phone for my wife for XX/XX/XXXX. Upon applying for the credit line and being approved my order was successfully placed for {$520.00}. The following morning I woke up to an e-mail stating that I had NOT been approved for the line of credit and that XXXX was canceling my order. I didn't think much about it until I received a letter a few days later congratulating me about the credit line I was approved for, but to my surprise, the charge for the phone was still showing on the credit card despite the order being canceled and I never received the phone. I tried calling T.D. Bank ( the bank who manages XXXX XXXX ) and after 2 hours and a conference call to XXXX XXXX to remove the balance for a product I didn't get, neither company was willing to remove the charge. XXXX told T.D. Bank that it wasn't their problem and that they canceled the order, but T.D. Bank said that they can't cancel charges from XXXX. At this point, I owe a balance on a line of credit for a product I never received and it has been 20 days since the transaction was supposedly canceled. T.D. Bank even heard XXXX say that they canceled the order and that the charge should not be there. Please help me get some resolution on this before it destroys my credit. Additionally, I truly feel like T.D. Bank/XXXX XXXX was very deceptive with the advertising of this credit line and it feels like they just hooked me into applying for the credit line only to cancel the order after the approval went through. Any help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible. 

ACCOUNTS NAME ; XXXX XXXX XXXX ACCOUNTS NUMBER ; XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 604A section 2 I have a right to privacy it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment under a credit card account under an open end consumer plan as late for any purpose.
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 name ( XXXX XXXX ) : # XXXX, Account name ( XXXX XXXX ) : # XXXX, Account name ( XXXX XXXX  ) : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things that were incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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: Mortgage

The story starts when I find a house and started an offer. I was already pre-approved for the loan with XXXX and locked in at 4.6 % for a 30 year loan, but wanted a little bit better interest rate. My realtor recommended XXXX XXXX for a speedy close. I contacted XXXX and told him all the details of the loan and house and he convinced me to go through the loan application process and would be able to for sure get me 4.2-4.3 % interest rate without points. Once all my financials were cleared with underwriting about 2 weeks from close he said that the interest rates had gone up and it would be 4.6 % for the loan and that he would check every day until close to try to lock me in at a lower rate. That never happened and about 1 week before close he send over loan documents and they had {$1900.00} in points listed. XXXX send me a screenshot of his computer saying those would be covered through lender credits, which he had gotten approval for that morning. I was told to sign them and he would fix it before close. He didn't, and I had to choose between closing on time or going to another lender and possibly losing the house.
Product: Credit reporting or other personal consumer reports

I spoke with the Experian representative. They told me the late payment for XXXX the {$500.00} secured credit card was opened in XXXX. They agree that the account is closed and paid. I also spoke with XXXX who agreed. Secured card require the funds be in the account. It is not possible for my account to be this late as they would not allow it especially your 6 years. 

On my credit report it states I made my last payment in XXXX. This looks like a serious delinquent payment. The account is over XXXX XXXX XXXX. They seem to keep it active. 

I want this removed and would like monetary compensation since I have been denied mortgages due to this issue
Product: Credit card or prepaid card

Affirm, Inc. XXXX XXXX XXXX Fl XXXX, XXXX XXXX, CA XXXX. This company owes me a refund for just under XXXX XXXX Dollars due to a product call back. The check has not arrived within the time frame stated by Affirm, and I am unable to get any updates on this from affirm customer service.
Product: Credit reporting or other personal consumer reports

This company omega OMEGA RMS keeps supplying me with what ever information that they would like regarding my dispute and not what I ask for in my dispute. My dispute submitted via certified mail requested. Original contract with my wet ink signature what you supplied me with was something with a typed name and not even a date or a water mark to support it as a signature. I also asked for Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. I see that no where submitted to me. The info submitted through cfpb was dated on XX/XX/year> I submitted request in as of XX/XX/XXXX certified mail this is a violation of my rights as it has not be properly re investigated. My numerous calls and letters to this office does nothing the continue to violate my rights. They openly admitted that I did not receive correspondence from them within 30 days because they mad a mistake yet this account is still on my credit that is a violation. The company keeps telling me submit another dispute but they are sending the wrong info I have attached what I asked for and what they submitted they company told me that they are not required to prove they are licensed to collect a debt in my state Look at the addresss of my dispute submitted and there date verified and the addresss of communication The ftc has stated that a detailed print out of charges is not sufficient as verification yet this is what they send. And it does not contain my signature or a watermark to prove it is an electronic signature. Just typed anyone could have placed that. They have not gave me any information other about means of verification other than the company said it was verified
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 measure 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I spoke with XXXX @ XXXX p.m she told me her employee number was XXXX. I notified her that these accounts ARE NOT MINE and they are furnishing fraud on my account. Accounts are incorrectly reporting as open, account showing delinquent when they are not, my non public information was shared to non affiliate XXXX party companies without my written consent who received a profit and I did not, credit inquiries from unknown sources, improper use of my credit report, identity theft plus more. 
XXXX ) XXXX ACCOUNT # 'S XXXX & XXXX ( THIS ACCOUNT IS NOT MINE ) Charge off account, reporting a balance of {$420.00}. The reason this one account has two account numbers is because it is reporting different across all three bureaus. XXXX, XXXX and Transunion. This account does not belong to me as I told the sales rep. 
XXXX ) XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ), NOR DID I HAVE A DRIVERS LICENSE AT THE TIME OF THIS FRADULENT CAR LOAN. I called the company and ask them to verify this account was mine by sending me the contract and they notified me that they didn't have a contract nor did XXXX, XXXX or Transunion verify this fraudulent account before they furnished it on my credit report. They did not exercise their grave responsibility to protect my privacy nor did they have my written consent to place this on my credit report. 
XXXX ) XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) comments on credit report state that this is CHARGE OFF ACCOUNT reporting a balance of {$8900.00} and the dates opened and balances are reporting different across all three bureaus. XXXX, Transunion, And XXXX. 
XXXX ) XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance owed of {$640.00} XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charged off account is reporting a balance of {$4500.00} XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance of {$4000.00} These fraudulent account are causing me and my family harm. I am unable to purchase a home because of these accounts being furnished inaccurately and not going through any verification process nor having my written consent to be furnished.
Product: Debt collection

A collection agency has a false statement on my file about a returned check. I called this company and they told me they did not have the check. I called my bank they told me they did n't have it and called the company the check and they told me they had no record of it.
Product: Mortgage

My home was flooded and later condemned due to damage in 2016 flood.According to my contract the insurance funds had to be used to pay off the loan once we notified the mortgage company the home was not repairable.The insurance company did not apply the funds directly as stated in our contract but made us write a letter asking us to submit a formal letter asking them to '' please pay off loan with the funds and send us remaining balance if any '' .We now need a letter for Restore Louisiana saying that was what actually took place to get government aid to rebuild a new home and they refuse to give us this needed letter.They sent us a letter stating we were advised by them we could use the funds to pay off the mortgage or repair the home, which was not true, because the home was condemned. They also stated in this letter that we asked them to pay off mortgage with the funds, which we were forced to do before they would use the funds.They actually held these funds and sent us a past due statement until the received this letter from us and applied the funds towards mortgage.I have proof in the form of letters, emails, and contracts that all they above statements are true.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

We opened our account specifically with no overdraft protection. Wells Fargo has since charged, on multiple occasions, $ 1,000+ in overdraft fees for transactions they state, have allowed at their discretion even though overdraft protection is not active on the account. 

For the past six years we have fought this battle with them to no avail. Just in the last two weeks we have been charged {$1000.00} in overdraft fees for transactions we did not allow to post to our account. 

This has caused a tremendous financial hardship on our family with to the point where we now seek our meals from a local food bank this weekend. 

Wells Fargo has illegally taken our money and continues to hold it. We have been communicating with their executive offices where we are passed around to various voicemails with no return call back. They hide behind secure email to break the news that they have not ruled in our favor. 

It is important that a large multibillion dollar organization can not commit a crime then bully their customers to believe they have no rights in the situation. 

Now we are left explaining to our children why we cant buy food because Wells Fargo stolen our money.
Product: Vehicle loan or lease

Wells Fargo Dealer Services has abused my rights as a consumer, by using the power of the 3 credit bureaus. On XX/XX/XXXX i purchased a used vehicle WFDS issued me the loan and i accepted it. My payments were XXXX per month. I paid my monthly payments till after around 13 or 14 months later WFDS decided that my insurance wasn ; t good enough and issued me their own insurance. Everything got very confusing my payments changed, as to even in XX/XX/XXXX they made me pay XXXX. I said i dont understand why the XXXX their reply was your payment raised i paid it then they wanted me to pay XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on top of XXXX the new payment they raised me to. I could not make the payment which forced me into falling behind. I was looking at repossession now. On XX/XX/XXXX WFDS accepted another XXXX told me that i would be fine with the repossession and in the meantime a truck pulled up in front of my house trying to repossess the car, they were unable to do it that day since the car was in the mechanic shop. That forced me into doing a Bankruptcy to get protection from the Federal Judge. I received my protection. In the meantime WFDS has instated wrong information on my credit report for the last 3 years or more, wrong dates, wrong amounts, and a separate account for their insurance. I have not tried to resolve this before because my husband has been very ill for the last 4 years, undergoing extensive XXXX, but today hes doing much better, and i am here trying to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts for XXXX XXXX XXXX ( XXXX ) appeared on Transunion credit report ... .I have never had this service ... .I have contacted Transunion twice as well as XXXX via mail and fax ... ... I have yet to hear back from XXXX ... how is Transunion verifying these accts? If they are not responding to me they are not responding to Transunion either ... there has yet to be a comment added that these accounts are in dispute on my report ... I am 100 % sure that they are not conducting proper investigations as required by law