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

I gathered the supporting document that trans union wanted to see. I had submitted with the a certified mail tracking number with returned receipt on XXXX XXXX XXXX this was last year. I have never heard back from trans union on investigating the obvious inaccurate and incomplete item entered on my trans union consumer report. not only is the credit limit inaccurate, the payment history for XX/XX/2022 is incomplete. the remark section was never marked as " consumer disputes this account '' Its been more than 60days and nothing. FCRA clearly says that everything on my consumer report must be 100 percent complete,100 % accurate and 100 % verifiable.. I have attached the document from XXXX XXXX XXXX XXXX XXXX XXXX that shows the correct credit limit of {$520.00} and the balance owed of {$210.00} 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding several fraudulent accounts appearing on my credit report. These accounts were not opened or authorized by me, and I believe they may be the result of identity theft or an error. I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Below are the details of the accounts in question : XXXX XXXX XXXX  XXXX Account Number : XXXX Balance : {$520.00} Status : Charge-off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$2500.00} Status : Charged off as bad debt Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2500.00} Status : Charge-off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Status : Charge-off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance XXXX {$410.00} Status : Unpaid Date Opened : XX/XX/XXXX I have contacted the credit bureaus and the creditors to dispute these accounts, but the matter remains unresolved. I am seeking CFPB 's intervention to ensure these accounts are thoroughly investigated, verified, and removed from my credit report if they can not be substantiated. 

These fraudulent accounts have negatively impacted my credit and caused undue stress. I kindly request your assistance in holding the creditors and credit reporting agencies accountable for adhering to the Fair Credit Reporting Act ( FCRA ) and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this urgent matter.
Product: Credit card or prepaid card

I had a city XXXX XXXX card and although I was set up on auto pay they very commonly did not run my payment on time and would charge me {$29.00} late fees. Because of this repeatedly happening I canceled and closed the card. I had a balance on it I was paying off. On XX/XX/XXXX I made the final payment of {$1600.00} and paid off the card. Yesterday XX/XX/XXXX I received an email from them telling me that my payment was late. I logged into my closed Citi account and found that I was charged {$9.00} interest. On my XXXX balance. I called them and I was told by a very abusive foreign man that if I did not pay this {$9.00} that they were going to continuously mark me late and that they were going to trash my credit. Again I was charged interest on a XXXX balance on a closed account. An account that I closed because they repeatedly fraudulently charged me late fees when I was on auto pay.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX - NEGATIVE *ACCOUNT PAID, NEVER LATE XXXX XXXX XXXX XXXX NEGATIVE *No knowledge of this account XXXX XXXX - NEGATIVE *No knowledge of this account Self XXXX/XXXX  XXXX  - NEGATIVE *Account paid, closed Self XXXX/XXXX  XXXX  - NEGATIVE *Account paid, closed XXXX  XXXX XXXX  XXXX  - NEGATIVE *No Knowledge of this account Credence Resource Management COLLECTION - NEGATIVE *Account not mine, reached out to company to remove and has been delete from other credit bureaus Inquiries : XXXX/XXXX  - NEGATIVE *Ive previously disputed this XXXX XXXX XXXX - NEGATIVE XXXXIve previously disputed this XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX  XXXX- NEGATIVE *Ive previously disputed this XXXX XXXX XXXX - NEGATIVE XXXX XXXX XXXX/XXXX  - NEGATIVE Ascend XXXX/XXXX  - NEGATIVE XXXX  - NEGATIVE XXXX/XXXX  XXXX  - NEGATIVE XXXX XXXX XXXX XXXX NEGATIVE *Ive previously disputed this
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX has XXXX my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to according to the 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, in after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information from is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency 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 consumer. 
According to 15 USC 1681s-2 they are not supposed to 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 card

I received my Comenity - XXXX card statement and entered the to pay the balance in full on my online banking on XX/XX/XXXX. A check was mailed from my bank and cashed on XX/XX/XXXX. on XX/XX/XXXX I received my XXXX  statement showing the balance from the previous month plus fees and interest for late amount. On XX/XX/XXXX I called the customer service number and asked them to please refund the interest and late charge and asked them why my payment of {$110.00} didn't show. The agent said she could " see '' my payment but wasn't sure why it wasn't applied. She said she would look into it. Received a letter from Comenity dated XX/XX/XXXX saying since it was a paper check I needed to send a copy of the front and back of the check. And since this was disputed amount, I would not be charged any related interest or fees until the investigation is complete and only if we do not find in your favor. I sent a copy of the front and back of check the next day ( not sure what day it was - I submitted it through my account with them online. ) I received a letter dated XX/XX/XXXX on XX/XX/XXXX ( Friday ) that this payment was cashed by another company, therefore because they did not get payment by the due date, the finance charges and late fees are valid and ramin due. I looked at my statement and the address on the check and I was indeed off XXXX digit on the po box , so the payment center cashed my check without regard to who it was made out to. I called on Monday XX/XX/XXXX in the morning to pay the full balance and interest and late fee and they had already tacked on more late fees, statement fee, and interest. My original {$110.00}. XXXX bill is now {$180.00}. The customer service agent refused to waive any fees or interest. I said I will pay it and I wanted the card closed. The man said the balance was {$190.00} - I asked why it was now {$3.00} more than it showed online. He said that the statement was processing or something like that. I paid the whole amount even though I didn't agree with it because I didn't want more late charges and interest. After the payment he offered me {$15.00} credit to not close my card- I refused. The next day I logged on to make sure the account settled correctly and it had a {$3.00} credit balance. XXXX, I don't believe they allowed enough time for me to get the error corrected before charging significant extra fees. Also negatively impacting me is that it is already posted delinquent on my credit report. Also of concern, is that because it is not at a XXXX balance- the account can not be properly closed and will I be charged for another statement fee? Is this a ploy for them to keep the card open longer than necessary. Does the service rep get something if they can get me to keep the card " open ''? I had an honest mistake and they can see I tried to pay my balance in ful lthe XXXX time. Also, it's too bad I couldn't have gotten answers the XXXX  time I called.
Product: Debt collection

returned vehicle do to engine blowing out a XXXX  later surrendered car false info showing on credit please remove off my credit.
Product: Mortgage

I have called, emailed send bank information to Cross country Mortgage. My bank statement show double payments in XXXX and XXXX. In may I paid via bank account debited electronically. Their accounting is so screwed up because they deny my XXXX and XXXX XXXX as double payment and refund, the servicing company never tried to help.

Why would they not show the double payment and the refund of my payment per accounting, again their accounting is falsified. Please investigate this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the alleged debt with XXXX XXXX XXXX on my credit report with Transunion on the following dates : XX/XX/XXXX2017 ; XX/XX/XXXX2017 ; XXXX XXXX, 2017. Each time, I requested that under the Fair Credit Reporting Act, 14 U.S. Code 1681g, Transunion or XXXX XXXX XXXX disclose to me all of the documentation that retained in the file at the time of my request concerning the account listed don my credit report. Several months have gone by and XXXX XXXX continues to report inaccurate information on my credit report without sending proper documentation that the account is in fact my debt. This is a direct violation of section 609 and 611 of the FCRA. In addition, Transunion has failed to protect me as a consumer and has not followed the proper guidelines to verify debt on my credit report. My last letter specifically addressed to XXXX XXXX, requested full validation of the debt, and I was not provided information pursuant to my request. This account must be removed from my report.
Product: Checking or savings account

I have an account with Bank of America, it was hacked during the weekend of XXXX XXXX, 2023 and lost {$26000.00}, half of my savings. The transaction was done to a 'Bank of America XXXX XXXX XXXX whose number ends with XXXX '. The card number does not belong to my account. 

I have talked to couple of agents, they confirmed that after I changed my passwords, someone was trying to access my account through the old password. They also provided me records showing an I.P. address of XXXX, Kansas, was used to login while I resided in The XXXX, Texas during the time of hack. 

I did not receive any notifications or alerts that half of my savings were being transferred to a bank of America card which did not belong to my profile. I only received one email saying that a payee was added, but I did not see it on time. 

During the time, when I was complaining to Bank of America, another fraudulent transaction of {$5200.00} happened on my credit card, where money was transferred to an account ending in XXXX '. The amount was credited back but I am confused why wasn't the same adjudication applied to my savings account. 

Bank of America says that my own device was used to make the transactions, which maybe true as my PC was hacked. But when someone looses almost 50 % of their savings to a business card not belonging to them raises suspicion. 

The bank has also not provided me any timestamps of the fraudulent transactions I need help from CFPB on this matter
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and XXXX for failing to correct clear inaccuracies in my credit report despite multiple attempts to resolve the matter directly with them. 
Transunion : Incorrectly reports 30-day late payment on my account. 
XXXX : Incorrectly reports a 30-day late payment on my account. 
XXXX : Incorrectly reports a 60-day late payment on my account. 
These late payments are false. I have provided supporting documentation, including screenshot statements, proving that all late payments were inaccurate. The credit bureaus have failed to correct this information, which is damaging my credit score and violating my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that my report be accurate and complete. 

I demand that the CFPB intervene and ensure that XXXX and XXXX : Correct these errors immediately and update my reports to reflect that these accounts were paid on time, never late. 
Provide me with written confirmation of the corrections. 
If this matter is not resolved swiftly, I will pursue further legal action. Please investigate and ensure compliance with the law.
Product: Credit card or prepaid card

XXXX says they credited my return made XX/XX/2019 and GM Card, Capital One says they haven't. It's XX/XX/2019. Capital One is going to Bill me and says they'll repay me when XXXX XXXX bank sends them the money. GM-XXXX-XXXX-XXXX, XXXX XXXX. XXXX at Cabela 's Capital One on a three way call spoke with XXXX at XXXX and can confirm this, Why can't GM Card do as much?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, I have 4 unauthorized hard credit inquiries on my TransUnion credit report - I called each of these 4 hard inquiries on XX/XX/2023, spoke with customer service representatives, and all are requesting the hard inquiries made into soft inquiries and/or removed altogether. 

Attached to this complaint are : - drivers license - social security card - address - my complaint letter *with documented proof* - Screen shot from TransUnion credit report where these show up TransUnion, you need to have these 4 unauthorized hard credit inquiries made into soft inquires and/or removed from my credit report immediately as its damaging my credit.
Product: Mortgage

I applied to Wells Fargo Home Mortgage to assume the mortgage from my Dad 's condominium after he signed the title over to me. Wells Fargo 's made their conditions to close the Assumption impossible for the Title Company that I selected as my Settlement Agent to close the transaction. After my selected Title Company ( XXXX XXXX ) could not legally fulfill WF demands, WF also refused to allow a Real Estate Broker I selected to act as my Settlement Agent, even though Michigan law allows a R.E. agents or brokers to close Assumptions. I contacted other Title companies and a Real Estate Attorney to act as my Settlement Agent, and they all indicated they could not legally close the Assumption under Well Fargo 's conditions : to provide a Sellers Closing Disclosure prior to WF providing a Closing Disclosure. As a result Wells Fargo steered me to, in which I was FORCED to use a Wells Fargo 's Settlement Agent ( XXXX XXXX ) for the closing of the Assumption. Because my Dad is in the process of purchasing another home which requires his relief from this loan, I have been pressured to use Wells Fargo 's closing agent. Wells Fargo is also including a vague Servicing Fee Agreement for me to sign at closing, which has no list of of fees assessed in connection with the servicing of this Michigan mortgage.
Product: Debt collection

I recently received a debt collection letter for a debt through PayPal. I have not had an active PayPal Account since 2007. I contacted PayPal about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former PayPal account holders. It appears it is a collection scam. XXXX So I am filing a complaint before they try and hurt my credit.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to bring to your attention my unfortunate situation as a victim of identity theft. Under FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents meant to facilitate the removal of inaccurate information and inquiries currently affecting my credit files. The following comprises a list of inquiries, inaccurate names, and addresses that neither pertain to me nor were opened with my consent : -- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -- XXXX -- XXXX -- XXXX : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt collection

I have new and updated information in regards to complaint number XXXX. Midland Credit Management did not provide sufficient information in response to my notice and Cease and Desist. They are also still reporting negative information that has been disputed on my consumer report which is causing me more harm and stress due to being unable to rightfully utilize my credit. This information is misleading and deceptive
Product: Debt collection

I have been repeatedly receiving calls from XXXX XXXX. The number is XXXX. 

I think I have spoken to these guys before and told them I have never had any credit card with these guys, but they keeping calling for some debt that I have no information about. 

It has been a little excessive lately. Sometimes the calls are coming from an unknown number. A lady called me very recently and left a voice message with a call back number and extension : Phone : XXXX Extension : XXXX Kindly step in and help. I do n't really know these guys and do n't want to waste my time with them arguing about something that never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2020, verification of the alleged debt that this company keeps on reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. All they sent me is a a simple letter telling me you have verified the information, I'd like to see the DOCUMENTATION that SHOWS ME that the information you have reporting is correct - balances, payment history, etc. I was told that is should, which is what prompted my initial letter to them. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law
Product: Credit card or prepaid card

In XXXX on XX/XX/XXXX I purchased a XXXX XXXX/Original XXXX purse with a light blue prairie lining online for {$130.00}. I used my XXXX Mastercard for the purchase. The receipt confirmed the purchase of this purse. Months went by and nothing arrived. Then I received a cheap red plastic tote from a company in XXXX. The merchant admitted fault for both the delay and sending the wrong purse. The purse that I ordered was sent to someone else. The merchant never sent the right purse and did not issue a refund. I e-mailed the credit card company by logging into my account and the asked me to send a letter. I sent a letter in mid XX/XX/XXXX but so far there has been no further correspondence or a refund. I am a XXXX XXXX and now traveling in XXXX and XXXX until XXXX so I need to have this resolved so that I have the money refunded for travel. 

Here is the disputed transaction : XX/XX/XXXX XXXX XXXX XXXX Charge {$130.00} XX/XX/XXXX FOREIGN TRANSACTION FEE Charge {$3.00} Also, when I called the XXXX card to report fraud, there was a major problem with their phone system and I was repeatedly routed through an advertisement for a {$100.00} shopping card for {$1.00} and never reached a human. Every time I tried to navigate through the system to reach someone I was sent back to this same advertisement that kept repeating. 
After 30 min still no human to speak with. There was no way to connect with anyone. The XXXX card site says that its call center is open 24 hours a day. But I called at XXXX in the Midwest and could not reach anyone. 

Next, I had no clue that I was purchasing from XXXX and was surprised by the foreign transaction fee. The merchant should have disclosed their location and needs to be held accountable. 

Finally, they over-charged me. The purchase was {$110.00} and they billed my card for {$130.00}. They also send a weird e-mail saying that my purchase through XXXX would appear on my card as XXXX. So no aspect of this transaction was transparent -- the vendor even used a fake name. 

Here is how the charge also appears : XXXX XXXX XXXX XXXX XXXX Total {$130.00}