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

In XX/XX/year>, I initiated a transfer from another financial institution to my Wells Fargo account. Unfortunately, the other financial institution sent the money to the wrong account number. To resolve this, I filed a claim with the other financial institution, and they made multiple attempts to contact Wells Fargo regarding the funds that should have been deposited into my Wells Fargo account. However, Wells Fargo never responded to their inquiries. 

I also filed multiple claims directly with Wells Fargo, but they consistently denied my requests for assistance. Despite my persistence in contacting them, they failed to provide any resolution. 
Wells Fargo also requested that I have the other financial institution call them directly. When the other institution followed this instruction, they were told that Wells Fargo could not assist them because they are not Wells Fargo customers. This lack of communication and assistance from Wells Fargo has left me without a resolution to my issue.
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

Loged on to check my credit report, it start sakin about charges iv hever herd of, dates i dont rememb3r buying anything.then said to contact customer sct atXXXX number, just like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against three ( 3 ) companies involved in a credit card dispute : ( i ) Trans Union, who fraudulently charged my credit card {$26.00} in XXXX for a purchase that I never made ( and never even knew what it was for ) ; and ( ii ) credit union XXXX XXXX XXXX XXXX XXXX, and ( iii ) " XXXX '' for both failing to resolve my dispute, and for both acting together in deceitful ways precluding my ability to write or call them. Please see the four ( 4 ) attached PDF documents for further detail.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

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 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! 

Delete the late payments from my consumer reports
Product: Credit card

I purchased a spin bike and it was financed through Citizens bank via Citizens Pay. The bike was returned for a refund. That was two months ago. I had initially called because they charged interest on a refund. I was told at that time that the full amount of the interest paid would be refunded, and that refund would processed separately. That was a lie. The refund was issued, minus the interest charged AFTER the return was processed. I just called the company and told I was mistaken. When I pushed back and that and said theyd clearly commuted fraud, I was disconnected and blocked.
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX XXXX ) To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with XXXX, XXXX, and Equifax, under the account number XXXX, associated with XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor of this account.

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law. 

I am also aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ). 

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of XXXX days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws. 

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

Sincerely,
Product: Debt collection

Thus company placed collection on my credit report with sending me a 5 day notice to dispute. I plan to take this matter to court if this account is not deleted immediately. If you believe you sent me the 5 day notice of this date then you must provide proof I signed for the notice of dispute and that I received the notice.
Product: Debt collection

Years ago, my mom was a XXXX  customer and I had a line under her phone plan. I eventually wanted to have my own phone plan, but when I went to the XXXX XXXX in XXXX, MI to create my own plan, I was told I could not. Someone stole my SSN and fraudulently created an account with my information. They purchased multiple phones and lines. There was an outstanding balance on the account. I was provided the information about the fraudulent account that was opened using my information from workers at the XXXX XXXX I filled out a fraud claim through XXXX  and the account was cancelled for fraud. I was recently contacted by a collection agency regarding the balance for this account. I have tried to dispute this on my credit report with no luck. I learned that XXXX is now XXXX, so I contacted the support line for XXXX. I was told that because the account was with XXXX and had been closed, the worker for XXXX  could not access that old XXXX account. I was requesting any form of paperwork that could explain this account was closed for fraud and that I was not the one who opened the account nor was I responsible for the outstanding balance on the account, but I was unsuccessful. The support worker for XXXX told me my only option was to go to XXXX, which I did. I was provided an FTC Identity Theft Report. I was also provided paperwork to send to XXXX and the collection agency. The collection agency is Unifin. I have sent them emails and mailed the paperwork to them that was provided to me, but I have not heard back. I mailed them the letter on XX/XX/XXXX. I also emailed them on XX/XX/XXXX and XX/XX/XXXX. I will also be emailing them again today. At this point, I don't know what else to do. This fraudulent account was opened years ago and is still causing me problems to this day.
Product: Debt collection

All state Credit Bureau, has attempted to collect a medical debt. I advised through a letter of Debt Validation, that was sent on XX/XX/2022 USPS certified mail. I have yet to receive the request documents, which have been verified that their company received.

All State Credit Bureau @ XXXX XXXX XXXX XXXX XXXX MI XXXX Is in violation of the Fair Debt Collection Practices Act And I want this account removed from my credit report! 
Thank you!
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are all reporting my Public Record on a XXXX  XXXX bankruptcy. uscourts.gov states, " Bankruptcy courts do not report or provide information to any consumer credit reporting agencies. '' I have not given any written consent to XXXX, XXXX and/or Equifax to report this information on my reports. Nor do any of the credit reporting agencies have any permissible purposes to do so.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account ( XXXX ) I am asking you to verify as accurate. Account ( XXXX ) account name : XXXX : account number : XXXX ; Account ( XXXX ) account name : XXXX account number : XXXX ; Account ( XXXX ) account name : XXXX account number : XXXX
Product: Credit card

This dispute is between victim XXXX XXXX XXXX and Spouse : XXXX XXXX XXXX and companies XXXX XXXX also known as XXXX XXXX and XXXX XXXX XXXX 

On XX/XX/year> I signed up for XXXX XXXX bundle in which I would have internet/TV and cell phone service for me and my spouse XXXX XXXX XXXX. The card I used was through US BANK, last four digits XXXX. I did this with a online agent through xfinity mobile/comcast. We ordered XXXX XXXX XXXX pros, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the following days I received the setup for internet and tv and set that up with no complications. Following that XXXX XXXX received a package from XXXX in which XXXX IPhone XXXX pro and XXXX XXXX watch XXXX was included. I then contacted XXXX and per their online chat person they assured me the other devices would be arriving in a day or two. 

The other devices did not arrive, and I went through a long tedious process of calls, text conversations with XXXX to resolve the matter. Unfortunately resolution could never be attained. We never received our order. After multiple weeks of discussion with XXXX we returned via XXXX the devices we did receive. XXXX did confirm we returned these devices and told us a full refund of XXXX would be applied to the card we used. 

Another week or two went on and the refund was never issued. We then went to XXXX XXXX store in Independence. The agents there advised us to file a police report. We then went to XXXX XXXX Police Department and filed a police report that we never received the phones in question. 

After a few more days we still did not received the refund as promised by XXXX 

At this my spouse and I decided to dispute the transaction with XXXX  A provisional credit was applied while they investigated the case. I provided the chat transcripts I had with XXXX including transcripts and also provided XXXX with the police report we had filed. I also spoke extensively with a XXXX  agent that documented the entire issue as stated above. 

Yesterday I found our that my dispute was found in the merchants favor, and I now have a XXXX charge from XXXX on XXXX credit card XXXX for phones/mobile service I never received nor activated. 

Please let me know if there is anything I can do to resolve this matter.
Product: Debt collection

Last week we settled a debt with the law firm, Weltman , Weinberg & Reis Co., L.P.A. They represented XXXX in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.
Product: Credit reporting or other personal consumer reports

Ever since MOHELA switched to a new platform in the summer of XXXX, they have not been reporting to the 3 credit agencies. I have called them many times and they claim that they are reporting. 
Furthermore, I am tackling my student loans very aggressively and making roughly {$2200.00} payments nearly every month, but they have not been reporting since XXXX of XXXX. I contacted The XXXX and included a copy of my latest statement from MOHELA, but the dispute lead to nowhere. 
Currently MOHELA is reporting that the balance on one of my loans is {$10000.00} with the last payment being made on XX/XX/XXXX when in fact my balance according to my account statement is {$2100.00} as of XX/XX/XXXX with the last payment made on XX/XX/XXXX. 
I have been making payments on my MOHELA Student Loans one at a time starting with the highest interest rate, but the balance on the loan Im tackling has not changed since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

My student loan balance is current XXXX and paid in full. My rental company also reports my payments as timely every month yet the companies have the balance as incorrect for the student loans that went from {$100000.00} owed to {$0.00} ( zero ) dollars owed. There was no score increase for such a large debt to removed. The monthly rental payment of {$1300.00} is also not showing as reported either
Product: Credit reporting or other personal consumer reports

Several hard inquires on report. Requested information via dispute and attempted to call no results
Product: Credit card or prepaid card

I received a call from ( XXXX ) XXXX, I did n't answer but did call back. They stated they were Citi card and asked for my card number or social security number, I did not give them the information because I had a feeling it was a scam. I called Citi from the number on my card and they said that was not any of there phone numbers. I 'm reporting this because these people are probably stealing identities or money from unsuspecting customers of Citibank.
Product: Payday loan, title loan, or personal loan

I opened an installment loan on XX/XX/XXXX. I then set up automatic payments. For 3 years, my automatic payments processed successfully. On XX/XX/XXXX, my final payment was due. With no notification to me, BBVA did not process my payment automatically. I was then charged interest until I discovered that the payment had not gone through on XX/XX/XXXX.
Product: Debt collection

National Credit systems ( XXXX XXXX XXXX XXXX GA XXXX ) have  been calling me on daily basis trying to collect rent for a lease that my daughter backed out of before the execution date. The NCS Acct # is XXXX & XXXX ACCt # XXXX They sent me initial letter in XX/XX/2018. I have communicated to them in writing using certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018 asking them to prove that I am legally obligated to pay the lease providing evidence for the following - Documentation that I disputed the XXXX XXXX Issued the lease after my daughter communicated to them that she does not plan to move into the apt . 
- Documentation that they acknowledged that I disputed the lease. 
- I also pointed out that any dispute regarding the validity of the lease belong in the Indiana court and not by a third party collector agency. 

They are continuing to call me on daily basis saying that they rejected my evidence despite my request that they stop contacting and trying to collect based my my documented dispute with the XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX** **Account Number XXXX XXXX **Amount : $ ** **Date of Account : XXXX
Product: Consumer Loan

The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com XXXX, IL XXXX XXXX XXXX XXXX Application was completed by phone on XXXX XXXX XXXX at XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
Product: Checking or savings account

I've received a letter in the mail stating that I have a checking account open now
Product: Vehicle loan or lease

I purchased a lemon car through XXXX XXXX & attempted to trade it in due to the fact everytime I drove it rattled. Toyota of XXXX stole that car through lying & undervalued it stating it had undisclosed frame damage. Then I was stuck with an upside down car. Toyota Financial refused to change the car payments to match my pay dates then repod the car claiming I never contacted them & gave false amount of time I was behind. Gave me 30 days to come up XXXX then under sold that car & are trying to collect on like XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information on my credit report, as provided by the three credit bureaus. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. The details of the disputed information are as follows : Creditor Name : Kohls Description of Inaccuracy : The account is reported as " a charge off as bad debt '' when it is closed.

I am disputing this information because the account with Kohls was closed. According to my understanding of the Fair Credit Reporting Act, when a credit card account is closed by the creditor, I reserve the right to give permission to any collection agency to obtain my information. Therefore, it is inaccurate to label the account as " a charge off as bad debt '' when it has been closed. 

As per my rights under the Fair Credit Reporting Act, I am entitled to an investigation of this matter. I request that you conduct a thorough investigation into the disputed items and, if found to be inaccurate, remove or correct them promptly. 

Please provide me with a written explanation of the results of your investigation and any actions taken as a result. Additionally, I request that you provide me with an updated copy of my credit report once the investigation is complete, reflecting any changes made. 

Thank you for your prompt attention to this matter. I look forward to a resolution of this dispute.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Than You XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXXXXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to dispute the erroneous reporting of an account by Equifax that Is a violation of the Fair Credit Reporting Act ( FCRA ) as mandated by Congress.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccuracies in my credit report. The case of *Morris v. AFS & Associates , IncXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) established that consumers have the ability to challenge the legitimacy of debt accounts that are not accurately reported. In my situation, the charge-off listed on my report does not accurately represent my current obligations. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), information that is inaccurate, incomplete, or can not be verified must be removed from consumer reports. 

The account in question are : Police and XXXX XXXX XXXX XXXX, account ending in XXXX The account is listed as charged off and in collections on my credit report, which is inaccurate and misleading. 

According to 26 CFR 1.6050P-1, any applicable entity that discharges an indebtedness must file an information return on Form XXXX with the Internal Revenue Service when certain criteria are met. Specifically, I have enclosed copies of Form XXXX that were issued to me by the creditor, indicating that the debts associated with this account has been canceled or forgiven. 

The issuance of a Form XXXX is considered XXXX XXXX evidence that the debt has been XXXX by the creditor, as established in case law such as Discover Bank v. Kivita ( Nassau Co. Dist . Ct., XXXX XXXX XXXX ) and Amtrust Bank v. Fossett ( XXXX XXXX XXXX, XXXX XXXX XXXX ( App. XXXX ) ). It would be inequitable to allow the creditor to then subsequently attempt to enforce the same debt after receiving the tax benefit of the " charge-off. '' Despite the issuance of the XXXX XXXX, Equifax continues XXXX report this account as charged off, which is inaccurate and misleading. This reporting is in direct violation of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 U.S. Code 1681e ( b ).

I hereby request that Equifax promptly update its records to reflect that this account had been paid in full and have a balance of {$0.00}, in accordance with the evidence provided by the Form XXXX Failure to do so would constitute a violation of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

Milliman for inaccurate info about my medical records and credit history to several entities. The medical info was not accurate, the employment info it contains has some errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX