23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX CITY OF XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$140.00} FST PREMIER XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} Inquiries : XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contact one main financial to handle my account that is in collections. I was given the incorrect information regarding where my file was going. One Main Financial gave me the wrong information for about a year. I tried to contact the law office they stated had my file and they in fact never had my file and my file is with a completely different law office. This misleading caused me to miss out on the opportunity to fix my account or pay on my account and that lead to my wages being garnished. 

One main financial also reported two accounts with the same balance and that information is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Mortgage

My mortgage servicing transferred effective XX/XX/XXXX to ServiceMac from XXXX XXXX  XXXX Once I was able to log into their online portal I paid ServiceMac XX/XX/XXXX for my XXXX mortgage payment per instructions included on my Hello and Goodbye letters. XX/XX/XXXX ServiceMac auto drafted my bank account for another mortgage payment. I contacted them immediately and they stated this was an autodraft for my XX/XX/XXXX mortgage payment. They asking if I wanted either the XX/XX/XXXX or XXXX payment refunded. I stated I wanted the XXXX autodraft refunded since I do not prepay mortgage payments a month in advance nor am I required to. Unless the company applies the principle payment effective immediately there is no reason for a consumer to do this. They have yet to refund me the double charge after stating it would be refunded in 6 business days via email. I was contacted via phone XX/XX/XXXX only after complaining that I would contact the CFPB Friday XX/XX/XXXX if not refunded. I was asked if my payment had been refunded to which I checked my bank account and replied " No ''. I was told that I would be called back and she ended the phone call. I have not heard back. Again, as of XX/XX/XXXX at XXXX XXXX  XXXX I have not received a refund for either payment despite their website stating one has posted. I have attached a screen shot from their portal.
Product: Credit card or prepaid card

1. In accordance with the fair credit reporting act XXXX  Avant, has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge.I ask that the following inquiries be removed on my file. I would appreciate if these inquiries are deleted as soon as possible as its stoping me from progressing in life.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue with fraudulent items on my credit report. Despite my initial dispute, these items persist, and I am making a second attempt to have them removed as they are significantly affecting my financial standing. 

I previously contacted your organization to dispute the presence of fraudulent items on my credit report. These items are not an accurate reflection of my financial history and have caused substantial harm to my credit score, making it challenging to obtain loans, secure favorable interest rates, and achieve my financial goals.

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.

Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation.

Documentation highlighting my responsible financial behavior and positive credit history.

Despite my initial efforts, the fraudulent items continue to negatively impact my credit report. I am deeply concerned that these inaccuracies may further hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial well-being.

I formally request a thorough reinvestigation into this matter. I urge you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately represents my financial responsibility.

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute.

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received my credit reports from XXXX and Transunion that showed unauthorized credit inquiries from XXXX XXXX XXXX XXXX And 2 inquiries from XXXX XXXX. 

It is unlawful to furnish information without my consent and also provide inaccurate information on my credit reports.

15 U.S. Code 1679c- Please remove and permanently delete these inquiries that were made.
Product: Checking or savings account

XX/XX/XXXX I wrote a {$2500.00} check from my Comerica account. 
XX/XX/XXXX the {$2500.00} check was deposited, via mobile deposit at XXXXXXXX XXXX The check was debited from my account twice ( {$2500.00} x2 = {$5000.00} ) for the same check. 
XXXX  I reconciled my account using my bank statement. My bank, Comerica, showed the check being debited with two different check number, one was the correct check, the other was a check that was written two years prior. 

I contacted Comerica, filed an investigation and Comerica told me to talk to the person I wrote the check to and get the money from them. I spoke to the person I wrote the check to and the money was taken out of their XXXX account on XXXX 

XX/XX/XXXX After dozens of calls to Comerica customer service and my branch, I went into the Comerica branch near my house. They said they were aware of the situation but said they would get back to me ( I have heard this for 5 months now ). I told Comerica I was filing a complaint througha third party consumer advocacy group. I am requesting reimbursement of the {$2500.00} along with compensation for no access to my funds for one year.
Product: Mortgage

My husband and I have been trying to do a HARP refinance since XXXX 2015. Our current lender, Green Tree Servicing continuously blocks the process from going through. We were working initially with XXXX XXXX who basically gave up because Green Tree would not respond to their requests. Now we are running into the same issues with XXXX being unable to get them to move forward with the documents they need to move forward with our refinance. We are eligible for this refinance and would save us {$500.00} a month but Green Tree continues to block the process from moving forward to close.
Product: Money transfer, virtual currency, or money service

Iam 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$1200.00}
Product: Credit card

On XX/XX/2023, I made a payment for {$1800.00} and was told that the interest charge would be {$43.00}. 

Instead, I was charged {$86.00} I made countless efforts by Support chat and over the phone to correct the issue, but no agent was able to take actual power. They said it was because of trailing interest from a previous month, but that is entirely untrue, because the balance had been paid in full during those months.

Out of frustration, I have closed the account and will be paying the balance in full now to avoid future interest.

The systems from this company and credit card are completely mismatched with true information. The best example is not just the overcharging interest, but the fact that when I closed my card today that they could not close the account with the full balance paymentto say that another way : I tried to pay the full balance of all charges and they would not even accept it! Will I be charged interest on that?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} IXXXX XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$40000.00}
Product: Checking or savings account

Walked into Wells Fargo to open an account on XX/XX/2019. I received a call from Wells Fargo wanting you identify me. After identifying it was me who opened the account they stated theyre closing my account. Never stating why. I also have a mortgage account with wells Fargo its confusing why they wont allow me to open an account.
Product: Money transfer, virtual currency, or money service

I was making a withdrawal from the ATM machine at Cadence Bank on XX/XX/2024. While still conducting my transaction ; I was startled after looking in my rear view mirror. I saw man just standing and staring at my vehicle from behind and the bank was open for operating hours.I had my car door cracked open and paused mid ways of my transaction to shut and lock my door before completing my transaction. Intially I had my car door cracked open so I could reach the ATM machines buttons and retrieve my cash. I was afraid that I wasn't sure if I should call thr poloce or pull off without my card. I closed and locked my doors and and turned on my rear view camera and took a photo. It was then that I recognized the man was wearing a Cadence 's employee lime green XXXX  shirt. I then proceeded and completed my withdrawal but I was confused as to why he stayed behind me the entire time. Why I was pulling off the lot and waiting for on coming traffic to cease so I could turn. I looked in my rear veiw mirror out of curiosity of his odd behavior. The employee walked up for 3 seconds or less and looked at the ATM. Then he swiftly looked in my direction then went back into Cadence 's Bank. I felt so embarrassed to have the Bank 's branch manager intrusively surveillance me alone and no other vehicles that came through the bank 's drive thru. It was after this inappropriate encounter that I learned ; that this employee named XXXX XXXX is the branch manager of the bank. I have photographic evidence it needed
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXXXXXX XXXX  XXXX my car was broken into or some had accessed my XXXX  XXXX XXXX XXXX that was parked near XXXX XXXX XXXX XXXX XXXX OH XXXX. I return to my vehicle around XXXXXXXX XXXX XXXXXXXX and found my things were ransacked and tossed around the inside of my car. My ID and SS Cards for myself and my children were stolen, so I would like to request a PIN number for my credit report and file. While I was going over my report I saw that there are some errors in my addresses and names that are incorrect. Please remove the following addresses they are not XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete remove the following names they are not correct : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The following Items are inaccurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit card

New York & Co. Acct Ending # XXXX I am writing because I made several unsuccessful attempts to contact New York & Co regarding ordeXXXX # XXXX that was placed on XXXX XXXX, 2024. I reached out to the business multiple times via phone and email because the XXXX XXXX XXXX XXXX and XXXX XXXX Boots that were ordered was received with damages. Some of the earrings in the XXXX XXXX XXXX XXXX are broken and the zipper on the right foot of the XXXX XXXX XXXX is damaged. The phone number that is listed on the company 's website does not allow you to speak to a XXXX. You are placed on hold for a while and then receive a message asking you to leave your name and contact number and someone will return your call. Unfortunately, the company has not returned my calls. In addition, I contacted Comenity/Bread Bank to obtain the contact number for New York & Co and the number I was given is not in service. I received a " Undeliverable Message '' for the emails I sent. In addition, I seeked the assistance of another outlet to resolve this matter, but they to, did not receive a response from New York and Company. 
It is not fair to have the consumer pay for items that are damaged and/or broken. I want to return the XXXX XXXX XXXX XXXX and XXXX XXXX boot and have the billing for this order adjusted.
Product: Checking or savings account

I was supposed to have my check direct deposited to my capital one acct Thursday morning. It is now Friday and I still havent been paid the money that I worked for. And I dont think anyone cares. Yall CEOS live the life of not having to live pay check to paycheck. XXXX XXXX, so thats not a reality for me. I have a dog that needs food, but need groceries, I have bills due, and on top of that Monday is a bank holiday. There are thousands of people just like me that work pay check to pay check and can barely survive on what we do get paid, all for some XXXX corporation to withhold our money in lue of technical difficulties and cant even get it resolved in a timely manner. Its sinister.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XX/XX/XXXX XX/XX/XXXX and Equifax upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting or other personal consumer reports

Over the last couple of years, I have been repairing my credit. I had freezes on my credit, which I lifted back in XXXX of XXXX. I have worked on my credit and gotten my scores to be pretty good. I have begun applying for credit cards, and every time I apply, I receive a messsge saying there is a freeze on my account. I have placed no freeze, and this is hampering my ability to use credit, which I have diligently worked at to be able to access it. Equifax refuses to admit a problem.