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

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by TransUnion, XXXX XXXX XXXX concerning XXXX Account XXXX : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( 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, credit repair services, or other personal consumer reports

There are addresses on my Equifax credit report that do not belong to me starting with XX/XX/XXXX, XX/XX/XXXX for XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX I have never lived at those addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

i origanlly filed complaint with transubion in XXXX and you guys den. t me letter stating i need to get it notarizes and mail it back in and i spent over XXXX bucks mailing it and still nothing is done ive did police reports and ftc complaints and everything else just wanting to get hard inquirys deleted which should be simple to do both XXXX  and XXXX took care of it right away just transunion im having trouble with
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and w

hat is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to th
e affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
"
Product: Checking or savings account

I opened a Key Bank account with a {$50.00} initial deposit processed on  XXXX   XXXX  per the statement, with a bonus offer that if I made {$500.00} in payroll direct deposits within 60 days I would receive {$300.00} in bonus.     Since  XXXX   XXXX  when my opening deposit was processed and account was available for use, within the first 60 days of  XXXX   XXXX , I have made payroll direct deposits well over {$500.00} dollars as follows  XXXX   XXXX  - {$410.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$500.00} I have not received the bonus even after waiting out a few statement cycles as per the advertised offer.
Product: Credit card or prepaid card

I closed my account XXXX XXXX with Self Financial INC. and was advised that I would receive my deposit within 10-14 days. I have not received my deposit and the statement indicates the account still open with an available balance and a $ XXXX amount listed for the security deposit which is incorrect as I secured this account from transferring funds from the Self XXXX XXXX account in XXXX. I want the account closed and reported as closed to the credit reporting agencies and my security deposit returned to me immediately. I have attached for reference : Previous Statement Current Statement Email Communications from Self
Product: Credit card

I have an ongoing investigation with Macy's/Citi concerning 2 accounts with fraudulent transactions. The first, I opened and have used for several years until XX/XX/2016, when I identified fraudulent purchases. I notified Macy 's ( store ) who could not help. I had to call the credit/security department during their regular hours, M-F XXXX ET. Living in XXXX., that is n't easy to do when you are working .None the less, I did, I received and completed the needed affidavits/statements concerning the purchases. Not long after, I saw that a new account was opened ( I did not authorize ) which had many transactions. Some orders I was able to cancel and several items were mailed to various addresses around the country. I never even received the card. I also saw that my email address for confirmations was changed ( not be me ). It was just slightly different than my own. I have been receiving calls from " apparently '' the Macy 's fraud department. No messages are left. Today I called back and I was told that they could not tell me why they were calling. I looked at the closed accounts which still show a past due balance and I receive payment notices. I placed an outbound call to the phone number I had and spoke with XXXX, # XXXX and explained that the calls must stop and the accounts closed and balances charged off. I am concerned that the derogatory credit will be provided to the credit bureaus and I will be left with the mess. It has been more than 90 days. I do not want a derogatory report submitted, even if it is later corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, from Goldman Sach repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XX/XX/XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX XXXX BREACH. 

This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and correct it immediately in my report : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I originally had a collection with XXXX wireless for data charges I did not agree with. They sent me to collection. Each time we agree on an offer, the collection company sells the debt to another one. I am now on the fifth collection company. I am unable to settle this debt. The latest company was sent a certified letter to only contact me in writing, never by phone. The continuously contact me by phone. They refuse to contact or respond to my correspondent. Instead they threaten to sue me.
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. 

XXXX XXXXXXXX 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 an 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 XXXX 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: Debt collection

I owed a debt with XXXX XXXX that due to a wildfire that forced my relocation to another state and insufficient financial ability to make further payments. XXXX sold the debt to Jefferson Capital Systems , LLC. I learned that on XX/XX/XXXX they filed a " Summons and Complaint '' with the XXXX  District Court for XXXX XXXX, and then an " Amended Complaint '' on XXXX, both of which they have never served upon me. I have been in communication with their attorney, XXXX XXXX XXXX XXXX ( XXXX # XXXX ). He attempted to enter into a repayment plan ( including a release of any wrongdoing by XXXX XXXX and its minions ) with me via a " Stipulated Judgment '' ( again, on a lawsuit never served upon me ). I have rejected this and it remains unsigned. On XXXX, I received a letter from Jefferson Capital Systems , LLC confirming a payment arrangement with them THAT DOES NOT EXIST. I then wrote their attorney again rejecting their proposed " Stipulated Judgment '' and asking for them to immediately cease and desist from creating false documents and financial repayment agreements that do not exist.
Product: Credit card or prepaid card

My reliacard account has been frozen since before XXXX. I have faxed everything I have to prove my identity. Customer service reps keep lying and telling me anything just to get me off the phone. I am facing eviction. I don't know what else to do. Please help!!!!
Product: Credit card or prepaid card

Hello, Upgrade XXXX XXXX has many issues they will not work with their customers to fix or solve. I have called several times to change my due date and they will not do that.it a set date and they refuse to budge. The card also gets refused alot, several times at gas stations and stores. I have Paid off half of my {$6200.00} debt on the card in the last month, one payment of {$3000.00} and another of {$470.00} and my payment has not reduced at all. It still at {$450.00} plus a month. I do not understand how a company continues to work like that? I need some action done on my part. Their reviews are horrible on XXXX and other review websites. Can I please have some advice on this situation. I am paying the card off and not using it anymore but I feel like they are taking advantage of people. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I saw incorrect accounts listed on my credit report. I routinely check my report, but this time, there were discrepancies that I couldnt explain. Thinking it might be a browser issue, I refreshed the page, but the inaccurate accounts were still there. I feel unsettled and am asking that the documents I provided be reviewed thoroughly to ensure this doesnt happen again.
Product: Mortgage

I had my House Foreclosed on, after I had an Agreement with Wells Fargo. You filed a suit which was decided in XXXX of XXXX. Wells NEVER did contact me so I contacted you and have Case Number. I then received a letter from Wells Stating they would contact me by today, XXXX. I also spoke with the Person handling it at Wells ( XXXX XXXX ) Friday who stated he would discuss. So I called him today, he was " out of the Office so I called Wells Management and was told, he would be calling me ( guess he magically appeared in the office ( smh ). He then stated, today, He needed another 10 days. All this, its a stall tactic for Wells to hold onto the money and get interest. They started screwing me in XXXX ( about time of Foreclosure ) and now that I filed, they are asking for my time. In summary, Wells agreed to the reduce payment in XXXX, took my checks, then Foreclose on me and then sent me about {$7000.00} which was the payments I made, on time and agreed to. Now, 15 years later, after admitting liability they want to keep me hanging longer in order for me to get restitution. This 10 day delay is a stall tactic and simply Wells keeping our money to gain interest. These guys are rampant abusers of Consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  fraud on reporting along with attorneys General Child support fraud
Product: Mortgage

Loan Account number XXXX On XX/XX/XXXX a US Bank Home Mortgage representative fraudulently applied for a Home mortgage loan on my behalf. For the past XXXX months, I have been calling US Bank home mortgage, attempting to get someone to assist me to fix this egregious act of Violence. 

On XX/XX/XXXX I called US Bank customer service to inquire on my home mortgage payoff loan amount. The representative informed that my payoff balance was just over XXXX. 

On XX/XX/XXXX, The titling company informed me that my home loan total payoff amount was {$67000.00}. 

On XX/XX/XXXX, I called US Bank to inquire about the extra charges on my mortgage. The representative told me she did know why the charges were add it to the mortgage. She transferred me to a bank manager, After approximately XXXX hours of speaking with customer service and bank managers I was then told, at some point I must had signed for a second mortgage loan or some type of other loan and had it added to my mortgage account .I was adamant that I had never signed for a second loan. I was then transferred to third XXXX On XX/XX/XXXX While speaking with the Third manager He insisted that I must have signed for some type of loan and had it added to my mortgage. After approximately more XXXX hours on the phone with him, he then told me that I was XXXX to XXXX months behind in my mortgage and my home had went into foreclosure in XXXX and a US Bank bank representative signed for a mortgage forbearance loan on my behalf. 

I declared my home had never gone into foreclosure, and a representative was not entitled to sign for a loan on my behalf I was not made of where of a loan that was being signed on my behalf. The bank manager stated to me when an home go into foreclosure, the bank is not required to inform homeowner and the bank is not required to inform the homeowner of any loan that is being signed on their behalf. 

Email received XX/XX/XXXX from US Bank Home Mortgage reflects loan agreement dated XX/XX/XXXX and signed by XXXX XXXX Mortgage Document officer signed on XX/XX/XXXX. 

Titling Company agreed When running my title, they did not see evidence That reflected foreclosure procedures had ever been filed my property in questioning. 

I called US Bank I found several complaints with US Bank in hopes to rectify this situation to get a clear understanding each time I was told someone would call me that has never happened. It has now been over nearly a year and I have not heard from US Bank. US Bank is uploading documents to my US home bank online portal in which I do not have access to because the account has been paid off. I would receive a refund for the amount that I have Please, I need someone to help me to fix US Bank home mortgage fraudulent act violence committed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you to remove and delete forever the accounts that are not mine. I am very XXXX became a victim of identity theft and can not do anything in order to remove these fake items. I am kindly asking you to move towards resolution of my situation and help me to remove these items. Please I rely on ur help
Product: Mortgage

XXXX I was notified by the City of XXXX that my XXXX tax bill was incorrect due to an error- an incorrect calculation resulting in an overage charge of XXXX dollars. The calculation was XXXX which was actually only to be XXXX and that the corrected information was sent to my mortgage company as well as a refund would be sent by the city of  XXXX. I have never seen the refund reflected in my escrow account, nor did I ever receive an overage check of XXXX or XXXX from Ditech. 

XXXX after noticing my automatic mortgage payment increased by over 200 dollars once again due to an incorrect escrow analysis. I finally took the time to investigate why my escrow is so off. I noticed that on the XX/XX/XXXX escrow analysis that the total taxes they calculated was once again XXXX more than what was actual paid to the XXXX County Treasury. After confirming with XXXX County that my tax bill is XXXX, and that Ditech is charging my escrow XXXX. I called and spoke to XXXX XXXX, who assured me she would open a dispute and have my escrow analyzed and investigated and she would call me back with 48-72 hours. I faxed Ditech 12 pages of tax statements indicating the overage, as well as the letter form the city of XXXX. I did not receive a call back with in the time that was promised. I have tried contacting them at least 3 other times since with not resolution. The Ditech Tax department does indeed state that it should only be XXXX, but nothing is being done about the overage payments credited to my account. 

I contacted my Loan officer, the city of XXXX, and XXXX County to verify that all my accounting information was correct. The recommend me filing a complaint to XXXX. It appears that my escrow is off by more than just XXXX dollars, and that a refund of XXXX was never applied to my account and I have been over assessed by at least XXXX form XXXX and now into XXXX. I am not getting any help from Ditech. Conveniently, after filing a complaint I am told my loan is not been sold to XXXX beginning XX/XX/XXXX. I have left a message with a Ditech supervisor, XXXX XXXX at ext XXXX who is supposed to be calling me back on Monday. However, with Ditech 's history I am doubtful he will return my call. Please Help! Thank you!
Product: Credit card or prepaid card

Since I opened a XXXX XXXX XXXX credit card with Synchrony Bank, I have had nothing but problems with the " Reward Dollars '', which are the credits that you receive when you purchase items from XXXX XXXX XXXX. Every single month, Synchrony has either not given me the correct number of reward dollars I am due or not given me any of the reward dollars I am due. Each month, I call and complain and they eventually recognize the mistake, though it takes " an investigation '' and an additional billing cycle for them to correct it. 

This month, on XXXX, I spent {$1000.00} and should have received the usual 10 % in rewards ( {$100.00} ). I received no rewards for this purchase ( the statement says something about this purchase being a " deferred interest '' purchase but I have no idea what that means, as I did not ask for any special payment terms at the time of the purchase and I paid the balance in full the day I received the statement. ) On XXXX, I spent {$53.00} during a " double points '' weekend and should have received a {$10.00} in rewards points. I received only half of these reward points. In total, I should have received {$110.00} points this month ( {$100.00} plus {$10.00} ). I received {$5.00}. When I called, Synchrony, once again, recognized the mistake but said I had to wait another billing cycle to have it corrected.

To make matters worse, the rewards " balance '' total on the statement doesn't align with the rewards balance on the home page. The statement shows a prior balance of {$11.00} then adds the ( incorrect ) {$5.00} earned this month for a new rewards total of {$16.00}. However, my account on the web page shows a " previous reward balance of {$16.00} + {$5.00} earned this period ( I have no idea where this comes from ) - {$20.00} reward certificate ( which was never issued to me ) for a balance of {$2.00}. None of this makes any sense.

I have had credit cards for thirty years and have never had problems like this. It seems to me that this is their business model- to have a flawed/confusing reward system in the hopes that a large portion of people will not notice or will not take the time to have it corrected. It is not rocket science to have rewards accurately reflected on statements or, at worst, corrected in real time.