23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted by a company to transport a car from Virginia to Arizona. They demanded that I pay them via XXXX through chase bank. They sent a flat bed tow truck to pick up the vehicle at which time I paid them {$1200.00} through XXXX They were supposed to pick up the vehicle from the tow company and transport it to Arizona. They never called the tow company back and now I have to pay a {$770.00} fee to get the car from the tow company. The company that did this is registered with the DOT and FMCSA but they refuse to do anything. Chase bank also refuses to do anything since the transaction was through XXXX. They are knowingly aiding a scam company and allowing them to use XXXX to process their scam.
Product: Credit reporting or other personal consumer reports

Date of Report XXXX Amount {$0.00} Date of Report XXXX Amount {$0.00} In accordance to 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 ) Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am filing a formally complaint against XXXX XXXXXXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX : {$740.00}
Product: Credit card or prepaid card

On XX/XX/2021, my credit card account balance was eligible for a credit balance refund in the amount of {$69.00}. I sent a secure message requesting this be refunded to me and received confirmation from this bank on XX/XX/2021, that the credit balance refund had been processed and I would receive an email within 1-2 business days with a link to claim the refund. Having not received the email, I inquired on XX/XX/2021, with this bank on the status of the refund. Since this date, they have continuously proceeded to argue with me about the status of the refund and claimed that because I have made purchases using the card, that the available refund has been absorbed by the new purchases, and, is, of course, not germane to the balance refund request, without accepting the fact that the refund request on XX/XX/2021, should have been processed.
Product: Mortgage

XXXX Payment - Same address as the XXXX listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX XXXX ( His ID number is XXXX XXXX. I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX XXXX. and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XX/XX/XXXX ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}
Product: Checking or savings account

In  XXXX  a company I work for in the United States sent me a  XXXX  dollars payment by check by mistake ( because I always request bank transfers, not che cks ) and  sent it to the wrong address in my country,  XXXX .     This check was cashed by an unknown person. The company that sent the check always told me that I was the who had to make the claim to the bank,  XXXX  Bank  XXXX ,  XXXX , and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by.     Last year (  XXXX   ) I  decided to contact  XXXX  bank once more and send new documentation and forms, unfortunately, this time JPGMorgan Chase Ba nk, N.A. d enied my claim to  XXXX  giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the  XXXX  and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost, and of course, banks are avoiding my claims.
Product: Credit reporting or other personal consumer reports

Dear CFPB I hope this letter finds you well. I am writing to address a matter of great concern regarding the reporting of XXXX accounts on my credit report. Specifically, I am requesting the immediate removal of the following accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I have previously corresponded with TransUnion and XXXX XXXX these accounts and have diligently provided documentation from The Department of Education to support my request for the update of their status to " Paid as Agreed. '' Despite my efforts, the response from TransUnion has been dismissive, suggesting that both the accounts and my concerns are frivolous. 

In an attempt to address this matter comprehensively, I submitted a second dispute letter to TransUnion as well as XXXX, presenting a different approach and providing additional supporting documents. Unfortunately, I recently received a letter from TransUnion asserting that the accounts in question are accurate and verified. Furthermore, the letter stated that TransUnion will no longer reinvestigate these accounts. 

I am writing to express my deep dissatisfaction with the handling of this dispute and to reiterate my request for the immediate removal of the mentioned XXXX accounts from my credit report. It is disheartening to encounter such challenges in attempting to rectify the reporting discrepancies on my credit profile. 

I urge TransUnion to reconsider its stance and to conduct a thorough and impartial review of the information related to these accounts. The provided documentation from The Department of Education should be given due consideration, and the reporting on these accounts should accurately reflect their current status. 

The Fair Credit Reporting Act ( FCRA ) empowers consumers to dispute inaccurate information on their credit reports, and I trust that TransUnion and XXXX will honor this right by conducting a fair and unbiased reevaluation of the XXXX accounts in question. 

I kindly request that TransUnion and XXXX provide a timely and substantive response to this matter. Your cooperation in this regard is essential in ensuring the accuracy and fairness of my credit report. 

Please send written confirmation once the necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Syncrony bank to make a double payment, was told by operator that i could do that. They reported me 30 days late on the second month and told me they can not take early payments that the money I paid went to principal. This is just dishonest and ruins my credit or ability to take care of my family. This is the second time they have screwed up my acct. I got no where on the first one.
Product: Credit reporting or other personal consumer reports

BURO NAME : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) XXXX following personal information is inaccurate ACCOUNT NAME : XXXX BANK ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision XXXX of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Product: Credit reporting

YOu still have not read the court order that You MUST delete the Bankruptcy in the state of VA ARE you reading????? 

I address the inquires and TOLD YOU AGAIN THE COMPANIES DO NOT RESPOND!!! WHEN THEY DO RESPOND THEY TELL ME THE SAME THINGS YOU DO. YOU POINT THE FINGER AT THEM THEY POINT IT AT YOU. NOTHING GETS DELETED!!!!! i NEED THIS SOLVED!!!!!! 

this IS NOT SOLVED I GET THE SAME XXXX ALL THE TIME. THIS IS why YOU GUYS GET SUITED. DO IT HAVE TO DO THE SAME???? 


i give you everything you ask for!!!!!!! and I still verified!!!! if you have a problem contact the companies that accessed your report. I have done that and they go who are you again??? send us more info!!! send us your picture id done that. send us your diver ID done that, we can find you contact the the credit report agency they placed the inquire on your report not our problem. I ask them remove it .... we ca n't find any record of you ... contact the credit report agency. i do that and you go verified!!!!! 


I need this deleted this is why need people to see this so many poepl have the same problems From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. 
The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. 
I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. 
By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. 
The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. 
This is what needs to be done 6. 
a. remove all fraud alters 7. 
b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. 
c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report I called and the woman on the phone at your credit agency did not believe i was who I said i was but told me to call.!!!!!!!!! 

I need this resolved!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

This letter serves as a formal request for reinvestigation and permanent removal of inaccurate information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

This is regarding my previously disputed accounts, which remain inaccurately reported despite my previous dispute filed : XXXX XXXX XXXX  XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX ( account number XXXXXXXX XXXX XXXX XXXX  ( account number XXXX ) I have filed complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX regarding this persistent issue, yet it remains unresolved. 

Furthermore, I filed an FTC Identity Theft Report ( Report Number : XXXX ) on detailing how these accounts are fraudulent and a result of identity theft. Despite this, the credit bureau continues to list these accounts as " verified '' without providing any supporting documentation of verification, as required by FCRA 1681i ( 7 ).

Failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). I have acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and the urgency for prompt resolution.
Product: Debt collection

A company by the name of Accelerated Revenue Managers in XXXX California reported my name and home address to XXXX ( XXXX of the XXXX big credit reporting agencies ) with derogatory information regarding an unpaid pest control bill ( to a company named XXXX XXXX ) without having ever notified me of the debt scenario or that they would be damaging my credit score as a result of their filing. I did n't find out about it until I went for a home refi on my mortgage and their filing showed on my report. At no time did I have any creditor relationship with XXXX. Accelerated Revenue Managers most assuredly is not following the proper communication protocols nor should they be reporting potentially fraudulent negative credit information without first establishing contact with the alleged creditor. Please investigate their credit collection practices so that others are not harmed by their tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate accounts reporting on my consumer report and XXXX has not fully complied with providing me with their METHOD OF VERIFICATION for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked XXXX to provide me with information proving that the following accounts do belong to me and if they could not provide me with the following information to remove the inaccurate accounts reporting. Other Credit Reporting Agencies have removed the following accounts from my consumer report and I have requested that XXXX do that same as of today. 

Updating the account is not what I am requesting as it is XXXX grave responsibility to make sure all information is reporting accurately!!
Product: Checking or savings account

I have held an account with Wells Fargo and feel that the bank charged me excessively on banking fees and overdraft fees in the time I have held this account.
Product: Mortgage

My Morgage company is a debt collector. It is not a regular Morgage severing. I am on forbearance plan, but the problem when its finished what I am going to do, how I am going to come up with payments, specially when they told me that if the escrow payment go negative, the payment will go up. I really need help with my payments and forgiveness for the defaults payments. I am a single mother with children, I got affected by the XXXX and my family. I lost my job and now I am working part time. I dont know what to do please help me
Product: Debt collection

The North Carolina Bar Association accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC board certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for XXXX XXXX, by the content signed by her, was in fact more - over and above the amount that their client XXXX XXXX, has attested in dozens of complaints where XXXX Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. 

The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, XXXX laws when they attempted to collect {$1100.00} more than the reported amount by their own client, XXXX XXXX. 

Federal and state laws have been violated by the attorney, firm, and XXXX XXXX  clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, XXXX XXXX falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one XXXX XXXX  charged off account - when in fact I never paid any months payments to charged off account. 

15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX XXXX Acct # XXXX Credit Coll Acct # XXXX XXXX services L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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

I have a online account with equifax ( equifax owns XXXX XXXX XXXX so I can dispute that information on my credit report with them, without having to contact them via phone. I have been trying to get information removed off my credit report for over a year and they either delete it and put it back on, without proving information of where they are getting the source of the information and or they say the delete it and never actually delete it. They continue to lie to me all the time, They have an address of XXXX XXXX XXXX XXXX NH XXXX on my credit report. This address doesnt even exist. I have disputed this many times. XXXX XX/XX/2020 I disputed it again. As of XXXX in the morning of XX/XX/XXXX they said the dispute results have been completed. it states XXXX XXXX XXXX XXXX NH XXXX has been deleted XX/XX/2020 I logged in on my account with equifax and the XXXX XXXX XXXX XXXX NH XXXX has not been deleted. I took screen shots yesterday and today with the date of each time I logged in is at the top. I did another dispute again today because its a fraud address and doesnt exist. I drove to the beginning of XXXX XXXX and documented on video that XXXX XXXX XXXX doesnt exist. The st starts with XXXX XXXX XXXX. 

Where is equifax getting this information from there dispute when XXXX XXXX XXXX XXXX NH XXXX doesnt exist. Why are they keeping fraud on my account and lying to me? 

Attached is a multiple screen shots of my equifax account from yesterday XX/XX/XXXX and today the XXXX that proves they wont delete it when it doesnt exist. Attached is the results that say its been deleted but its not. 

XXXX video link below that proves XXXX XXXX XXXX XXXX NH XXXX doesnt exist https : XXXX XXXX attachments, attached to this complaint
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



OAG CHILD SU Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX