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

XXXX XXXX  closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX  still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX XXXXXXXX as sent NEGATIVE INFORMATION OF FRAUD to EARLY WARNING and until this is corrected they will not do business with me I have attached all the evidence after reaching out to EARLY WARNING they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation
Product: Debt collection

The original debt is with XXXX. When my husband lost his job, I signed up with a consolidation debt company to manage the outstanding debt I had. XXXXXXXX XXXX did not wish to participate. My communications with them stated I wanted to pay the debt but make arrangement. When it when to collections, the third-party agent " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX phone ( XXXX ) XXXX attempted to collect. As it is my right under the FDCPA, I filed a cease and desist order under Public Laws XXXX and XXXX. It was sent to, received and signed for a XXXX at XXXXXXXX XXXX XXXXXXXX on XX/XX/2020. 

On XX/XX/XXXX, the courts served paperwork to my husband ( for me ) at our residence. Case is in XXXX County District Court ( Kansas ), case number XXXX. 

It would appear this action was a CLEAR and INTENTIONAL violation of the FDCPA and I wish to submit my claim they indeed violated this. I wish to have the suit dropped and demand {$1000.00} judgments, per the FDCPA law. I would wish to seek settlement with the original creditor.
Product: Debt collection

I reached out to them to remove the account because I was going through identity fraud. I sent them my police report and they ignored and said I was responsible. I then sent them 15usc6802b to opt out of systems. They responded with since I am not a resident of California I am not protected and covered by the CCPA but the code I sent them is a US federal code not a state code but just to make things easier I provided them with my California address since I have multiple properties and said to send any mail there to continue and prove I was also a resident of California and therefor covered by the CCPA just to make things easier since they blatantly dismissed my federal right to opt out with code 15usc6802b. They then responded with nothing other than I am responsible. I then in a last attempt before federal litigation I sent them this and they have been silent since As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. 

They have been silent since. Please help remove this account. They are violating my federal rights and my privacy. Please and thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an unauthorized credit inquiry made by XXXXXXXX XXXX on XX/XX/year>. Despite my attempts to reach out to both TransUnion and XXXXXXXX XXXX to address the issue, I have not received any meaningful response from either party. My concerns seem to be disregarded, and it feels as though no one is taking my case seriously. 

As I do not have any open accounts with XXXX XXXX and given that I reside in XXXXXXXX XXXXwhere XXXX Bank has no physical presencethis inquiry is completely unauthorized. It is absurd that I would have an inquiry from a bank that does not operate in my state, where the availability of branches and customer support is a key factor. 

This situation is having a negative impact on my credit report, and I believe my rights are being violated. I am requesting immediate resolution and the removal of this unauthorized inquiry from my credit file.
Product: Checking or savings account

On XX/XX/XXXX, I set-up a bill pay to my mortgage. The Serve card gave me a date of XX/XX/XXXX on which the bill would be paid. For some reason, this date was changed on their end to XX/XX/XXXX which will cause a late fee if {$40.00} to be assessed. 
My mortgage company representative suggested I cancel my bill pay and pay my mortgage over the phone which I tried to do. 
Lo and behold, instead of refunding the bill pay, this despicable organization won't return the money. 
Now, I have spoken to 7 different persons to resolve this. It is XX/XX/XXXX at XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a domestic wire transfer in the amount of {$10000.00} USD to a business associate bank. My bank Wells Fargo to his bank XXXX  XXXX XXXX. My wire was show initiated and completed on my end on XX/XX/year>. On XX/XX/year> my business associated told me the wire transfer never arrived. I issued a XXXX XXXX through Wells Fargo to find out what happened to it. Wells Fargo told me it would take 10 business days to complete the trance and investigation. During that time I received XXXX communication or updates from WF. After the XXXX business days was completed I have to continually call WF for updates and they continued to be confused about what I was asking for or why I was calling. Wells Fargo continued to transfer me on the phone to about 6 different departments where I had to explain the entire situation again and again. After pushing for me they finally put me in touch with a customer advocacy department who told me they would start a complaint case. They told me they would reach out to me in XXXX business days, it has passed that and still no communication. I finally threatened legal action and they put me in contact with their executive office. The executive office told me the case was still being investigated but told me " Its out of our hands ''. Wells Fargo is not actively trying to communicate with XXXX  XXXX XXXX to resolve the issue. I have communicated with my business partner actively throughout to have them try and resolve it on their end without success. Wells Fargo and XXXX XXXXXXXX XXXX are not communicating with each other and now my {$10000.00} is missing somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX and Transunion and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with XXXX and XXXX with the fraud department of Transunion that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with Transunion was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe Transunion and XXXX practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.
Product: Checking or savings account

On XX/XX/22 a banking error was made by PNC bank to my account in the sum of {$2400.00} check # XXXX. This check was in the amount of {$240.00} and a banker input it incorrectly. They said it would be fixed on Monday XX/XX/22 and it still has not been fixed as of XX/XX/22. I have called and gone down to the bank personally to try to rectify this situation to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my updated credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX  and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date.

System Error : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in XXXXXXXX XXXX XXXX i wrote to the credit bureaus that i had experience identity theft and that multiple accounts that there reporting where not mine. i sent them a ftc report from the federal government and told them that the accounts below where indeed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX a bankruptcy that i have sent information from the court that they have no information of that knowledge on me. 
i provided and sent them copies of the reports by certified mail and 4 months later they are still reporting inaccurate informationXXXX XXXX info has not been updated since XXXX XXXX XXXX the remarks are not updated as consumer disagreed or its in a disputing process. the account term and months are not correct and the dates terms ND payment extremely incorrect i have contacted and tried to resolve this issue but they will not updated these accounts i am prepared to sue for the damages they have caused my life and family as they depend solely on me FCRA section 607 ( b ) provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable.

The FCRA also requires credit bureaus to block information in a victim 's credit file that they believe resulted from identity theft within four business days of receiving notification. Lenders and debt collectors should also take steps to prevent the information from being provided againThe Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputes about the accuracy or completeness of a consumer 's credit file within 30 days of receiving notice. This reinvestigation must be free of charge and more than a cursory review. The purpose of the reinvestigation is to determine if the information is accurate or incomplete, and then to record the current status of the information or remove it from the file The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to provide and keep consumer credit information accurate, fair, and timely. This includes updating information when a consumer 's circumstances change. If a consumer 's credit report contains inaccurate or incomplete information, the FCRA gives them the right to dispute it.

Whenever a statement of a dispute is filed, unless there is rear sonable grounds to believe that it is frivolous or irrelevant, the consumer reporing agency shall, in any subsequent report containing the informaion in quesion, clearly note that it is disputed by the consumer and provide either the consumers statement...

the reporting agency has broken numerous of my federal laws and i want it rectified this has hindering me for years and i am prepared to due in federal court i have my papers waiting to file.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter from Nationstar Mortgage ( now called Mr. Cooper ) dated XX/XX/XXXX stating no mortgage payment had been paid " since XX/XX/XXXX '' and " all payments from and including that date '' were due. XXXX XXXX XXXX had the loan at that time and I knew some full and partial payments had been made after XX/XX/XXXX through the time we received a loan permanent loan modification at the beginning of XX/XX/XXXX and we now have documents that we finally received from Nationstar or Mr. Cooper which shows those payments even though Nationstar added {$170000.00} to our loan modification mortgage balance based on their belief that no monies had been received after XX/XX/XXXX. It also said that {$200000.00} had accumulated for late fees, NSF fees and other fees and advances. This may have been a mistake since the then Nationstar Mortgage was taking over the responsibility of so many of the former XXXX XXXX loans, however, I do want it corrected asap.
Product: Debt collection

Supposedly, the case was open on XX/XX/2014. The debt amount is {$1200.00}. I was in XXXX XXXX and I wasnt aware of the situation being filed on my credit.
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 U.S.C 1681. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.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 1681. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Even after make a complaint I still was not allowed to access my own credit bureau file they say I can not b verified
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Service LLC. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section XXXX - XXXX U.S.C. XXXX ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section XXXX - XXXX XXXX. XXXX ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( XXXX ) - XXXX XXXX. XXXX ( XXXX ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section XXXX ( a ) ( XXXX ) ( A ) - XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, XXXX XXXX - XXXX U.S.C. XXXX ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Mortgage

In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. I received a letter from XXXX stating that my mortgage had been transferred to Sortis on XX/XX/XXXX. I received an official letter from Sortis on XX/XX/XXXX. It stated that my first payment was due on XX/XX/XXXX. I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.
Product: Debt collection

On XX/XX/23 I contacted company IQ DATA to try to resolve debt I asked if i can settle for less and if they offer the option to pay for deletion off credit report they stated my account didn't qualify for a settlement because my account was not in good standing which is fine i then asked for other payment options but they refuse to make any arrangements with me I was advised to pay balance in full or nothing at all I repeatedly asked for payment options to resolve because I couldn't pay in full and was denied of any other option i was threatened that if I didn't pay today that they would never remove from my credit report even if I paid in full on a future date so I'm being denied a resolution to resolve this debt that I'm willing to pay in full in the form payment installments the representative ( s ) was very rude, very insulting, very unprofessional and seem to be working on a personal level tactics and using past communications against me and not business level tactics to do what is best for their clients I'm trying to take care of this debt they are making it very difficult to resolve I'm sure these tactics goes against compliance and company policies and needs to be addressed immediately and do they have the right to deny payments from a consumer and to clarify no abusive language or profanity was used by debt collection agency
Product: Credit reporting or other personal consumer reports

Upon carefully examining my credit reports, i discovered several unfamiliar hard inquiries in question are from 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