23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 15 U.S.C 1681c. ( 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

My name is XXXX XXXX owner of XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information on my commercial credit file Equifax claims my company under name XXXX XXXX XXXX XXXXXXXX as per Equifax letter Dated XXXX XXXX and Equifax Commercial Credit Report my company name under XXXX XXXX XXXX XXXXXXXX XXXX dated XXXX XXXX My company name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax inaccurate information and Equifax reporting account number XXXX ending in XXXX, not from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also inaccurate company name Attached herewith Equifax letter dated XXXX XXXX, Equifax Commercial credit report Equifax account number XXXX I want inform that I never received any information for account number XXXX Account dates XXXX is XXXXXXXX XXXX years lapse in which I never was informed by Equifax or credit card company about it, being contradictory also during the last XXXX  years I never received any collections XXXX requesting Equifax to XXXX account number XXXX ending in XXXX, not from my Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to send me a confirmation letter of account deleted within XXXX business days. 

This is harming my company profile. 


Thank you XXXX XXXX
Product: Credit card or prepaid card

Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted JCP Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$77.00} now going on a month and ALSO the XX/XX/XXXX interest charge of {$91.00} I still get a run a round answer
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the company below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX claims that they have been in contact with me about a debt in XXXX, which is completely false. I've never spoken to or agreed to pay any amount to this company. They were not able to provide info stating that I spoke to or agreed by contract. Please have them provide information regarding this conversation. There is a collection on my credit report for XXXX in which they claim I agreed to pay.
Product: Mortgage

In XXXX our mortgage was sold to Mr. Cooper mortgage company. Due to the coronavirus my husband and I have both been laid off. We phoned Mr. Cooper mortgage company and asked if they had any programs without penalty to help us. The only thing they could do was offer us a forbearance for 3 to 6 months after which all of the payments that were put off would be due at once. That would be impossible for us. They said that if we could not pay the money back we all at once we could do a mortgage modification. So in other words it seems to me that Mr. Cooper would charge us more interest and other fees and ultimately be making money off of people who are just trying to get back on their feet after this horrible horrible situation. Other banks are offering their customers forgiveness for several months or I should say 3 to 6 months mortgage payments and just extending their mortgage by 3 to 6 months on the back end. It seems to me that Mr. Cooper is looking out for themselves and not the well-being of their customers and their financial soundness so they can pick up where they left off once we get the healthcare crisis under control. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  are all helping their customers in this fashion. Mr. Cooper mortgage company should be absolutely ashamed of themselves for the way they are treating their customers and I hope that the government penalizes them with no mercy. And by the way and I know this sounds totally unprofessional but what kind of a XXXX  name is Mr. Cooper for a mortgage company?
Product: Credit reporting, credit repair services, or other personal consumer reports

~In XX/XX/XXXX, I submitted a request to have deletion of unverified information ( XXXX XXXX removed from my account XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information from XXXX was reinserted on my credit report and I had not received any correspondence from Experian or the reporting creditor, so I sent a complaint to Experian regarding the reinsertion AND I filed a complaint with the CFPB. ~In XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Experian had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. Thank you for your time and assistance with this matter..
Product: Debt collection

I just received a phone call from someone claiming to be with Universal Fidelity. 

At first there was an automated machine that thanked me for calling. They called me. Whatever their matter was, they considered it important enough to interrupt my day. To me, the interruption is important enough for them to have their IT department get that right. 

Eventually, I was transferred to a representative who merely informed me that she was on a recorded line, she works for Universal Fidelity, and they have a " personal business matter '' that came across their desk '' ( or some wording to that effect ). 

She talked very fast - apparently in the hope that I would not slow her down and she could get right to the part where she would make her commission. She seemed disconcerted and off-script when I asked her questions to make sure I understood what she said. 

I had to ask what this was about and what Fidelity Universal is. Only upon questioning did she inform me that XXXX is a debt collection agency. 

I asked her : How do I know she is who she says she is. 

She provided no way to verify herself, but asked several times for me to verify myself. 

We are told, often, in this day and age of terrorists and heightened security NOT to give out information about ourselves to people we do not know. 

Online, we are warned about scammers. 

I asked her to verify herself, and she could not. Instead, she said they would send me a letter and wished me a good day. 

She did not talk about the content of the letter, but from her tone it sounded threatening, like an escalation of this matter for legal purposes. I assume that private debt collection companies share their recorded calls with you, and you can listen for yourself. 

Only after her continued engagement with me on the phone did I have time to look up UFLP on XXXX. I found a very professional website. Of course, that does not mean it is who it says it is. Media reports the Federal government is aware of a XXXX XXXX building whose sole purpose is to confuse and scam and subvert the internet, in part by creating websites that are exact duplicates of legitimate websites and getting unsuspecting Americans to provide their information on fake webforms. 

In the section above, I put " Threatened to take legal action. '' I do n't know if that is what this was - but it was the only choice that seemed to fit this situation.
Product: Debt collection

My complaint is with Credit Protection who is trying to collect on a XXXX XXXX account from XX/XX/2011. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was charged for being late on my credit card payment ( XXXX XXXX ). I was charged a late fee and it was reported on my credit reports as thirty day late. I filed for this inaccuracies to be corrected and was only sent statements, they never verified the late payment has I asked. I have never been late before on my XXXX XXXX  credit card.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I sent all three ( XXXX ) bureaus, letters on XX/XX/year> about them violating my federally protecting rights for tainting my credit report with erroneous information. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are very unclear yourself otherwise, you wouldn't be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would really like to resolve this before I consult with an attorney to pursue legal action.
Product: Credit card or prepaid card

My account was randomly closed for no reason on XX/XX/2023 and on XX/XX/2023 I got a direct despot sent to the same account in the amount of {$550.00} on XX/XX/2023 I reached out to them asking them what was going on they responded saying that they was investigating my account and they will give me an update on what was going on with my account since then I have reached multiple times regarding this matter and they keep giving me the run around on XX/XX/2023 they emailed saying they sent {$470.00} to XXXX and they have no further information from me I reached out to XXXX XXXX and they said they need a trace number to look up the funds so I reach back out to current ( XXXX XXXX XXXX ) they said stated they dont have a trace number and no further information to give me
Product: Credit reporting or other personal consumer reports

Violations of : Reporting erroneous information without verification constitutes a violation of my rights under : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report for your reference. 
. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXXXXXX XXXX XXXX XXXX : Balance : {$7700.00} : Date Fraud Begun : XX/XX/XXXX XXXX Bank : Balance : {$2000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Wireless : {$1200.00} : XXXX XXXX Begun : XXXX XXXX XXXX XXXX  {$1400.00} : Date Fraud Begun : XX/XX/XXXXXXXX XXXX XXXX XXXX {$980.00} : Date Fraud Begun : XX/XX/XXXX XXXX XXXX Tab : {$620.00} : Date Fraud Begun : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$740.00} : Date Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX {$540.00} : Date Fraud Begun : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$420.00} : Date Fraud Begun : XX/XX/XXXX XXXXXXXX XXXX XXXX  : {$560.00} XXXX Date Fraud Begun : XX/XX/XXXX XXXXXXXX XXXX  : {$290.00} : Date Fraud Begun XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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

Please run a complete investigation on this collection account. I feel the address associated with this collection agency, the terms and the balance are incorrect. The account number is missing digits which I feel is inaccurate and a violation of the FCRA. Please delete immediately from my credit report for it's errors.
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 transactions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XXXX is billing me for false charges.in XX/XX/2022 I moved and contacted XXXX They told me they do not provide service to my new address. Therefore upon moving I paid my last cable bill and turned in all equipment.when I turned in equipment XXXX office told me I was paid up and account was good. Sometime later XXXX mails me letter saying because I terminated service I owe them a fee for cancellation. It was never informed there would be a fee for ending service. Additionally as I mentioned they could not provide me service in new location or I would have continued service.also this is not fair that they can send their false charges to a collection agency and because they say so it appears on my credit report and effects my credit. Where are my rights. XXXX can bully customers and are determined believable and a good customer like my self appears to have no rights and credit bureau just assumes XXXX is right and I am wrong.I thought you are innocent until proven guilty.what have they proved.they can send a bill and customers are expected to pay without any rights to disagree. Please review and provide a response
Product: Checking or savings account

I have created an account with Charles Schwab. The account included a brokerage sub-account and a high yield checking account. Both were funded by XXXX of XXXX. The account was then locked, requiring verification. I have contacted Charles Schwab on several occasions. Most recently on XX/XX/24 through phone. I have visited a local branch for Charles Schwab in XXXX, Arizona. They did not unlock the account. I have requested that the account be closed, and this was not allowed. The account will not be closed, and funds were not returned to the account which funded these two.

I made two payments of XXXX. One for a brokerage, and another for a high yield checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) XXXX
Product: Bank account or service

I cosigned a car loan for my daughter. Her checking account is with Wells Fargo, XXXX branch, and the loan is with XXXX in XXXX. She had arranged automatic payments sent to XXXX and this happened successfully for several months. For a reason no one has been able to explain to us, WF started sending payments with the wrong account number. XXXX notified my daughter she was delinquent and charged her a {$60.00} late fee. On XX/XX/XXXX, my daughter and I met with XXXX the branch manager to discuss this. He admitted it was a WF error and that they would correct it. I stated my concern about his affecting my credit report and was assured that would not happen. After eight days XXXX still had not resolved this and had put excuses and demands in our way each day. I called his supervisor-he would not provide that contact information, we had to find it elsewhere, spoke with his assistant and later him and they assured me that was not the way they do business and they would ensure it was resolved, and it was in a matter of hours, not days. But this week I have been notified that they has been a negative charge against my credit rating reflecting this issue. So WF has negatively affected my credit rating over a {$60.00} dollar mistake they admit they are responsible for and ca n't seem to correct. I 've been told by XXXX that they have assigned a " resolution team '' to this and should have it resolved by XXXX next week. So for over a week they have negatively impacted my credit report. We have disputed the claim with the credit agency, but this is ridiculous. I have also informed XXXX I expect WF to compensate me for the damage they had done to my credit for however many days it remains, the inordinate amount of time I have had to spend on this, and the inconvenience they have caused me. I do not feel that I and my daughter should bear the brunt of their error and there are no consequences to them.
Product: Debt collection

Wells Fargo Auto finance Direct received and insurance settlement from XXXX XXXX and took possession of a vehicle I had financed through WFF. WFF has reported a sum of {$7200.00} as charge off for the past several years, after receiving a settlement from my insurance and re-sale of the vehicle. WFF is now retaliating by putting the account back up for collection, because I have been disputing the charge off status. WFF is effecting me financial with their harassment, because I ca n't finance a vehicle for an affordable interest rate.
Product: Money transfer, virtual currency, or money service

I ask using the Western Union app. Each time you send a money transfer you are awarded points that you can either use as credit towards your sending fee. But almost every time I've tried to use the Tool, while it's on another page, it's been very difficult to use and has been basically useless to me most of the time. The loading time is endless. The page never loads on mobile or wifi. 

Most every time, I end up giving up and going back to the send page to send my grander l transfer and end up paying the send fee! I've complained before but never gotten a real response as to why this conveniently happens almost every time I try using my points. There's been several occasions I have allocated credits but when I go to submit my transfer my transfer credit is NOT applied and I end up paying the fee anyway. Then I notice my rewards credits are fewer than what they were before. I also see where I am not getting proper reward credits for transfers I've already made. 

The make millions on transfers but their rewards program is a failure and a fraud. 

Please assist me in this matter by looking into any other consumer complaints. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a delinquent payment on my Chase mortgage for my XX/XX/2018 payment. When Chase attempted the ACH with my XXXX XXXX XXXX XXXX account, it failed because of the configuration of my XXXX account. Chase subsequently reported my payment as 30 days past due. I reached out to Chase and provided them with documentation by my credit union substantiating that the configuration issue led to the delinquent payment and asked them to stop reporting the delinquent payment. Despite this reasonable request, Chase continues to act unreasonably, stating they are not able to make an adjustment to their reporting because it was not a banking error made directly by them.
Product: Debt collection

We have received repeated calls from XXXX, formerly the XXXX pages over the past couple years. They claimed we owed them money that we do not in fact owe. Recently they have submitted our information to some other company that refuses to tell us the name. 
We get calls from XXXX daily asking to speak with the business owner. When you tell them the business owner is not available, they ask to leave a message. 
On XX/XX/21 I took a call from XXXX and she told me that the call back number was XXXX. They will never tell me the name of their business. 
When they have spoken to the owner, they claim to be attempting to collect the debt from XXXX.