23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We received a notice from Prince Parker in early XX/XX/XXXX that we owed XXXX XXXX XXXX $ XXXX.for equipment that was returned to XXXX XXXX XXXX XXXX XX/XX/XXXX. This was XXXX & XXXX fault for not notifying us sooner that the money was owed even after we returned the equipment. WE remember because we dropped it off at the XXXX XXXX on our way to TSA in XXXX. XXXX re-uses tracking numbers after 120 days. Since we couldn't retrieve the number from XXXX we paid the {$210.00} XX/XX/XXXX. Prince Parker has benn blowing up my wifes phone so terribly she thought of getting a new phone number. That would entail making many, many people aware of her new number. Prince Parker also mailed another another collection letter on XX/XX/XXXX. We want Prince Parker to stop annoying us and harassing us as this is getting ridiculous.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Chase bank the issuer of my credit card. The Amazon prime card that I was provided was lost and used without my authorization at XXXXXXXX XXXX for 3 transactions totaling XXXX dollars. Upon contacting chase bank I was told the matter will be resolved. The amount was initially refunded to me. Today ( XX/XX/2023 ) chase bank has revoked my credit card for the amounts previously refunded. Upon contacting them. They said that they dont know why the transactions were billed. This is a clear violation of their policy. I requested these transactions be removed from my card but with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute as I was never late on my Capital 1 Lord and Taylor credit card in XXXX, as they reported. They responded by incorrectly changing the " late '' date to XX/XX/XXXX, but the records clearly show I had zero balance in XX/XX/XXXX. 
This is not right and needs to be fixed.
Product: Vehicle loan or lease

I paid off the loan on through a XXXX XXXX service on XXXXXXXX XXXX 2023, {$12000.00} which was XXXX XXXX XXXX and have a letter of confirmation of this from XXXX XXXX and was sent to ( Bank of the West ) which is a trade name for BMO Bank N.A. I have made several calls to them asking for the release of my title. They are saying since the merger of Bank of the West to BMO they are so far behind that they are at least 30 -45 days from even finding my payment and releasing my title. They told me the last time I called to not call again because they were to far behind to look for my payment and they would release my title when they got caught up from the merger. This is a court ordered issue for me and I need the title as soon as possible to prove to the courts that it is paid off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX, In ( XXXX ) XXXX  to in XXXX  XXXX ) ; XXXX XXXX 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. 
0:5urthermore their dispute resolution pacera 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: Money transfer, virtual currency, or money service

I purchased some bitcoin on XXXX ( What a great day to be scammed ) and the transaction fee said {$1.00} - Okay, no problem. 
Put through an order with a merchant and they told me they were only paid XXXX dollars out of XXXX -- Turns out, they charged me an astronomical XXXX out of XXXX dollars as a transaction fee! I would have NEVER put this transaction through if I was made aware of this charge! WHO WOULD?! 
It 's robbery and this company is a huge scam! 

I called, after an hour on hold, they said to email them and they ca n't help over the phone ( what?! ) .. Go to their site, and their email link does not work and they would not provide me with a working email address over the phone. I finally found an email address on XXXX, emailed them, got an autoresponse that they wo n't do anything a few hours later. 

I 'm in the process of completing a charge back with XXXX XXXX at the moment ( if that even happens! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found a number of hard inquiries that I do not recognized. I called the companies as well as file a fraud account as well as freeze my account to avoid future inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal action.
Product: Vehicle loan or lease

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX, XXXX, payments were made by XXXX from XXXX XXXX to Barclays, XXXX says they where paid, Barclays says they returned them why I do not know, I do not have the money, it is in Barclays hands last with confirmation from XXXX, each tells me to call the other. Now I am in default and fees and more late fees, this is a real problem now in the holidays, Please advise, My credit score has been knock down by 100 points. 

I will look to the courts next, Thank you.
Product: Checking or savings account

I am writing to file a complaint against Regions Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against region bank for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX XXXX {$5800.00} XX/XX/2019 Experian : XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX : XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX XXXX {$5800.00} XX/XX/2019
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : The Accounts and account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX  These items are harming my credit severely which they should be removed due to the verification process taking longer than it is supposed to. These accounts how inaccurate information, that I should not be responsible for. It is affecting my life tremendously. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 

Thank you
Product: Credit reporting or other personal consumer reports

First, on or around XXXXXXXX XXXX  XXXX was unauthorized by me to report late payments and a charge off on my credit report, negatively affecting my credit score. 

Secondly, as of XXXXXXXX XXXX I am disputing a debt from XXXX XXXX. XXXX, but they have avoided specifically responding to my requests for lawfully requested information about the alleged debt they are attempting to collect on, and they are also unauthorized by me and in violation of 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) with reporting late payments to TransUnion.
Product: Credit reporting

On XXXX/XXXX/XXXX I filed a complaint with CFB case # XXXX in regards to Equifax multiple discrepancies of their reporting of XXXX Account on my credit report. On XXXX/XXXX/XXXX Equifax submitted their resolution to CFB and myself of the action they had taken in regards to these discrepancies : " Company responded Equifax said : Explanation of closure Equifax has reviewed the complaint and it 's records. The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 
Relief The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. '' Well on XXXX/XXXX/XXXX Equifax undid their relief and reinserted the payment history nor was I informed of them doing such. I did not receive any type of notification from Equifax about this reinsertion within 5 business days or any days. Had I not checked my credit score via XXXX XXXX I would have never known. Equifax has been reeking undue havoc on my life with their improper reporting of my credit file. When I called Equifax about this matter all they do is read you a script and does not try to do anything to fix their mistakes. I have since sought out legal advice and will be moving forward in that direction. It appears Equifax is only satisfied when they are being sued and at this point they try to do right by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been submitting multiple disputes to these companies since XX/XX/2022, and they have not addressed the accounts that do not belong to me that are continually reporting on my credit report. 

They have continuously " updated '' the accounts. Their website results are the same and their online system doesn't allow me to submit any more disputes regarding these fraudulent accounts that don't belong to me. 

I have called the credit bureaus regarding the accounts that are not mine and their response is the same, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have requested a copy of what these companies have provided to them that certifies these accounts belong to me, but they won't release such information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a person made me a transfer for {$200.00}, he sent me the confirmation of the transfer but I never received the money, in the same confirmation he said that if the money was not reflected to the other person in 14 days the money would be returned. To date I have not received the money and I contacted the person who made the transfer and he was not returned the money. I tried to communicate with Wells Fargo and I didn't have an answer, I'm currently out of the country and I don't have a way to go personally to the bank to be able to talk to someone and be able to solve it since I really don't know what happened but I never received the money. 
The number and name of the person is XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX  rights have been violated I did not give XXXX  instructions for these accounts to be place on XXXX XXXX report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Procedure in case of disputed XXXX  ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of XXXX  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 XXXX  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 XXXX. 

XXXX XXXX XXXX XXXX - Permissible purposes of XXXX  reports ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there to whom it may concern, This is the last formal complaint I will be filing In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 



I have reached out to XXXX, Transunion, and XXXX to re-investigate accounts thoroughly. However, They stated everything was complete and accurate. After looking over my report again no changes have been made and i still see innacurate accounts on my report. i am beginning to wonder how did they look and investigate anything if open dates, last activities dates and much more incorrect informations from all reports are seeming to still be different and inaccurate. I am a real person and I would like to see full proof of items coming back being verified as me being the consumer. 

Section 609 ( a ) ( I ) ( A ), states you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on a credit report.

For example copy of my actual signature of me signing and copy of photo ID The date and actual copy of me owning these accounts or any collections you guys are reporting on my account. You cant just say you investigating and not provide proof on how you guys came to that resolution. I would like a mailed copy myself and not just a receipt of debt collection this is not proof. Its unfair and has tremendously effected me on the process of becoming a new home owner. This is grounds for a proper investigation and According to 15 USC 1681i ( 5 ) they are suppose to remove any accounts that isnt reporting correctly as-well. Otherwise anyone can claim paying for your reporting services can mail, fax or email fraudulent accounts with you credit bureaus. 

I have highlighted the same accounts they said they investigated. How was this investigated if nothing has changed and you can still see discrepancies such as collection accounts showing as open and reporting missed payments? grounds for removal by law! please delete and remove or i will file a suit with all the evidence i have of you guys not investigating properly. I know my rights and would appreciate if you guys looked into this matter quickly and properly Delete accounts unless you want to be held {$1000.00} per violation I have highlighted all errors. 

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case as i have kept everything from updates reports from prior months. You have 14 days to get back to me or i will file a suit on this matter. 


XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX. 

Thanks very much!
Product: Debt collection

In XXXX of 2013 I was sent a notice from XXXX XXXX XXXX to go to court for an outstanding bill of apx. {$8000.00}. I wrote back and said I did n't understand how they could take me to court for a bill so old ( it is about 8 years old. ) I told them that I went through a period of bad health and divorce. I got behind with the IRS. They have reviewed my case and put me in " non-collectible ''. I told them the best I could do was {$25.00} a month. They agreed on that. I have a contract signed by the judge that says that I will pay {$2500.00} a month. This year when I had my taxes done they took my {$150.00} refund from the State of Michigan. I contacted them and they said " does it say on the contract that we can not take that money? '' I said no, but it does say we agree to {$25.00} a month. Well they kept my money. Can they just go in on any of my assets and just take them, even though we have a contract stating payment terms.
Product: Mortgage

I paid XX/XX/XXXX payment on XX/XX/XXXX and was delivered on XX/XX/XXXX transaction number XXXX   and I paid XXXX payment on XX/XX/XXXX transaction XXXX and was delivered on XX/XX/XXXXXX/XX/XXXX according to XXXX. I paid {$140.00} both times to MB Financial electronic bill pay thru my XXXX   checking accounts. Both payments have been paid out according to XXXX records and MB Financial can not find the funds. Because of this my XX/XX/XXXX payment that was due on the first is now late and missing. I sent over proof of payments as well as my bank statements to prove that the funds were in fact paid out and they are not locating the funds and told me I should resend the money that is lost otherwise payment will be late. This is not the first time something like this has happened with MB Financial. 2 years ago the payments were on auto-pay and they for some reason stopped pulling the money straight out of my account with out notice.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was several months late on my loan payment to PNC, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

PNC also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete immediately. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete immediately. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX XXXX XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. 
XXXX XXXX XXXX XXXX  Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Consumer Loan

The account is a corporate account and now it 's placed on my report. The company is responsible for the debt but the creditor will not remove it from.my report. It is harming my score. I 've called to rectify this issue but everytime I speak to someone, XXXX answrs
Product: Debt collection

I don't know about this debt and XXXX  and XXXX  remove it from my account for the same reason.
Product: Debt collection

This should never been on my credit, this was paid in full and equipment was returned to the XXXX, CA XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX