23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am refiling my complaint toTRUIST BANK regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA.

Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.
Product: Credit card

I signed up for a credit card offer for XXXX, only to receive another offer for XXXX points immediately after. Naturally, I reached out to customer service, and they assured me they would escalate the issue and resolve it. They didnt. 

I followed up multiple times, speaking with different representatives, and was ultimately told that the company runs multiple promotions simultaneously. This practice is not just unfairits deceptive. Customers should not have to miss out on nearly double the rewards just because they werent shown the best available offer at the time of application. 

This needs to be addressed. A company that values its customers should stand by fairness and transparency.
Product: Money transfer, virtual currency, or money service

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 the violation.
Product: Credit reporting or other personal consumer reports

There is erroneous information on my credit report that violates 15 USC 16c-2. The inaccuracies are damaging my creditworthiness, and I did not permit these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic last year XXXXXXXX XXXX  put on their website that they were allowing all clients to make late payments on mortgages and personal loans and they would not report to the credit bureaus as long as they were not 90 days past due. 

In XXXX and XXXX of 2020 my ex-husband paid the mortgage late. It was maybe XXXX days late. It was not 90 days late. Yet, XXXX still reported it to the credit bureau even though they had stated they would not report it. I have called, I have sent letters with no response, and I have filed multiple disputes with the credit bureaus. Nothing has been done about this except XXXX changing on one of the credit reports that instead of paying late in XXXX and XXXX that I paid late in XXXX and XXXX.
Product: Checking or savings account

Around last year of XX/XX/2023 I went to Commerce Bank to close my account the process was initiated and a balance of around XXXX dollars was suppose to be mailed to me and I never received it. Got in touch with the bank manger and they said it was on the way several times. 
Kept getting the runaround until I complained to the XXXX Then someone higher up responded stating they would take care of this. Suddenly they disappeared. Made another complaint, someone else responded stating the but this time they mentioned fraud. Responded for awhile through email and phone calls then suddenly didn't hear nothing else. 
I read the bank policy about lawsuits and then paid an government agency for an advocate to help with the dispute but no action has happened. I just want my money back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed.
Product: Credit card or prepaid card

This particular credit card company has an XXXX XXXX  cut off time for paying bills online. If you miss that time they charge you a {$25.00} late fee. Honestly I have missed this before, but I call the next day and they adjust it off. This time I was online getting ready to pay on XX/XX/2019 and it was a few minutes before XXXX XXXX. My internet went out and by the time I was back online it was a couple minutes after XXXX XXXX  XXXX to be exact. I clearly remember this because I thought there is no way they are going to charge me for being 2 minutes late. Wrong! I received my online statement today XX/XX/2019 and they did charge me {$25.00} late charge. 
I called today XX/XX/XXXX, XXXX and they will not adjust it off, they said I have no wavers? I am guessing you are only allowed one waver every so many months that is why I have not had problems in past. I asked to speak to supervisor and she basically told me the same thing even if one minute late they will charge you. I asked to dispute this charge and she said they dont do that, you cant dispute late charge. I asked to speak to someone else and was told there was no one else I could talk with there was no one above her. I said you must have a boss and she advised they only do administrative work, frustrated I said thanks and hung up After hanging up the more I thought about this I do not have this problem with anyone other company I pay. I believe this might be this companys way to get people to pay more money on late fees with the XXXX XXXX cutoff time. 
I receive an email, but a lot of times I dont even get to my personal email until XXXX or XXXX XXXX. This is exactly why I have had to ask for help in the past, because I open email after the cut off time. Not only the time but the date its the XXXX due date, all of my other bills are due at end of month. 
I believe they are taking advantage of me and I am sure other customers by having this special due date and time. Then when calling and asking for help all the sudden they dont want to help. I have been working very hard to clean up my credit history for the past year, and I just recently jumped up by thirty points, this late charge is going to affect my credit history that I have been working so hard to improve. I would like this late note removed from my account and a refund. 

Any help would be appreciated. Thank you for your consideration if I can provide further information please let me know Best regard
Product: Checking or savings account

CASH CARD ( XXXX ) CLAIM AMOUNT : {$1.00}, XXXX On XX/XX/22 i reported to CASH APP, I found out in my CASH APP account had : _ 9 unauthorized transaction ( documents included ) On XX/XX/22 CASH CARD denied my dispute claim # XXXX with reason " card present purchase '. After review the statement i found out more 7 unrecognized transaction on this list : XX/XX/22 : {$49.00} XXXX/XXXX22 : {$28.00} XX/XX/22 : {$75.00} XX/XX/22 : {$110.00} XX/XX/22 : {$19.00} XX/XX/22 : {$39.00} XX/XX/22 : {$180.00} ( not received package ) XX/XX/22 : {$180.00} ( double charged ) On XX/XX/22 i have XXXX and have to stay in hospital  XXXX from XX/XX/22 to XX/XX/22 ( have hospital  record included ). 
i am writing to dispute a fraudulent ( {$130000.00} fraud transaction on my debit card number XXXX ). i am a victim of identity theft, and did not make all transaction from XX/XX/22 to XX/XX/22 because i am in hospital at that time. 
One more thing, why cash app deactivate my card with no reason????
Product: Mortgage

Recently I purchased a house in XXXX, NJ and got a mortgage through Wells Fargo which included renovation dollars to fix the house. There are XXXX attachments to this submission, documents that I signed in XXXX and then the Renovation Loan Agreement and Rider which I signed at closing in XXXX. The problem is these documents contradict each other. For example, in the XXXX document it says the contractor is responsible for the work then in the Agreement signed at closing it says I am responsible. Which is it?? You will find where I commented on all the ways these documents contradict each other in the attachment of the documents I signed in XXXX. If I was presented with all these documents at the same time, I would have had serious questions but that was not the case. They made me sign them XXXX and a half months apart which I find extremely shady. So since these documents contradict XXXX another, which document am I supposed to follow. I am contacting the CFPB because Wells Fargo has been shady and I feel deceitful through this process. I want others to know about this and I want the behavior to stop. Last, I want Wells Fargo to clearly state which documents I am supposed to follow since they contradict each other. Is it the documents from XXXX or the Agreement I signed at closing? They can not have it both ways when documents contradict XXXX another. 

Please note ... the renovation loan is connected to my mortgage
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for their failure to remove several pieces of incorrect personal information from my credit report. This information, which includes addresses, a phone number, and a name, is inaccurate and has resulted from identity theft. Despite submitting all required documentation, these inaccuracies remain on my credit report. 

The only correct address associated with my credit report should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The following addresses need to be blocked from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Additionally, please block the following phone number from my credit report : XXXX I also request the removal of the incorrect name " XXXX XXXX '' from my credit report. 

To support my request, I have provided Experian with the following documentation : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Despite submitting these documents, Experian has not taken the necessary action to remove the incorrect information. This response is not in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. My complaint number is XXXX. Experian 's failure to remove this incorrect information violates several provisions of the FCRA, including : Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information. 
Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
I respectfully request that the CFPB investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have a heloc mortgage serviced by Real Time Resolutions and i prefer to make my payments online.But since this loan was discharged in my bankruptcy they will not allow me to pay my payments on their website.SO each month i call them and have to pay a XXXX $ fee to use XXXX to make my payment on the phone.Recently XXXX made a settlement where they are returning these types of payment fees to their customers.My question is why is Real Time allowed to charge this fee.
Product: Credit card or prepaid card

The mailing address information was changed on my account without my request. I contacted customer service several times and was advised that they received a power of attorney to change my mailing address. I spoke to a supervisor and requested a copy of the power of attorney letter they received and was told it would be mailed to me, however, I just received a letter without the proof that was used to change the address. Everyone including the supervisor is saying the same but they have not provided me with any documentation they received. I feel that some fraud is going on and this is very frustrating.
Product: Debt collection

I disputed a collection account from National Credit Systems a few months back about a collection of {$9800.00}. I sent a letter to National Credit Systems asking for validation and verification of this account. Ive asked for an itemized bill for the amount that is alleged I owe and still have not received an itemized and full breakdown of each cost. I was told most of the damages was in result of fire damage. I was given no proof of any fire damages or how/when they occurred. I was not responsible for the fire nor should I be held responsible for any damages. National Credit System has yet to provide me with any accurate description for what this debt is from. I have disputed this inaccurate account two different occasions and as a result of my first dispute National Credit System collection account was removed for less than a month before it was re-entered onto my consumer report twice. I received a letter from XXXX stating they made an error and duplicated this inaccurate account and now the collection was reflecting on my consumer report twice.I reached out to a lender for a line of credit during the same time and was denied credit. I believe if this inaccurate, unverified and invalid account was not reflecting on my account to begin with then this mistake by XXXX would have never have taken place.
Product: Mortgage

Received an email from my homeowners policy that the bill was not paid. I called and got the run around about the payment so I paid it myself.
Product: Debt collection

I received today a bill from company name American Coradius International LLC. The wanted to collect {$900.00} for something related to XXXX account from XXXX dated XX/XX/XXXX or between XX/XX/XXXX and now. I don't have any ideal what XXXX is. I don't have an account with XXXX.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Dea

r : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

I discovered that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an active service member who has been deployed overseas for the past 3 years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXXXXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX- {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the alleged medical debt associated with the account number referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and applicable federal laws, I am requesting comprehensive validation of this debt. Additionally, I am invoking my right to cease and desist all communications related to this matter until the requested information is fully and satisfactorily provided. 

To ensure compliance with federal law, please provide me with the following documentation : Proof of Legal Ownership : A copy of the original purchase agreement or any document that demonstrates that I legally owe this debt to the original creditor, XXXX XXXX XXXX. 

Account Statements : Copies of all statements from the account 's opening to its closure, detailing all charges, payments, and adjustments. 

Proof of Licensing in North Carolina : Documentation demonstrating that Wakefield and Associates, LLC is a legally authorized debt collection agency in the State of North Carolina. 

A copy of your bond filed with the XXXX of North Carolina as required for legal operation within the state. 

Signed Contracts : Copies of all contracts and agreements bearing my signature with Wakefield and Associates, LLC and/or XXXX XXXX XXXX XXXX which authorize the creation of this debt and the sharing of my non-public personal information. 

Until all the requested information is provided, and the debt is validated per federal requirements, I am requesting that Wakefield and Associates, LLC immediately cease and desist all communications with me. This directive also applies to any communication with third-party agencies, including but not limited to credit reporting agencies. 

Furthermore, I do not consent to the sharing of my non-public personal information with any third parties. If this request is not honored, I will pursue legal action to protect my rights and seek appropriate remedies. 

Failure to comply with this request may result in violations of the FDCPA and other applicable federal and state laws. Please be advised that I am prepared to take legal action if necessary to enforce my rights and protect my privacy. 

Please provide the requested documentation within 30 days of receiving this letter. If you can not provide the required information, I expect confirmation that this alleged debt has been removed from your records and that no further communication will be made regarding this matter. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

These transactions are unauthorized and fraudulent and want them removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM 30 days late on XXXX only I would like these negative accounts on XXXX removed : XXXX XXXX  XXXX accounts XXXX accounts removed
Product: Mortgage

On XXXX XXXX, 2015 I changed my mortgage insurance company Fay servicing was faxed the information from my broker on this day. In XXXX Fay servicing said we had no insurance so I had the broker XXXX XXXX Insure All ) re-fax the information to Fay servicing. In XXXX I called Fay servicing to see if everything was in order and the informed me that they had not received the fax any of the times it was sent to them. So I called the insurance company XXXX XXXX underwriting services ) and had them fax directly to Fay servicing the paperwork that shows I have insurance. Fay servicing said that they did not receive it by fax so the insurance company e-mailed me the documents and I e-mailed them to Fay servicing. This has been done XXXX times now and I sent the information by certified mail to them at the address that Fay servicing gave to me. Fay servicing has not recognized my insurance and this is now a problem because if payment to the insurance company is not made by XXXX XXXX, 2015 I will be cancelled. On XXXX XXXX XXXX, 2015 I talked to Fay servicing and spoke with XXXX XXXX, he had me e-mail the PDF directly to him as we talked, he then stated that he received it and was scanning it to send to everyone 's e -mail in the office as he was talking to me. I asked if I should call back tomorrow and he asked if I would give him XXXX hours to get the information to the insurance department and get a response from the so he could correct the issue. He also stated that I talk to no one but him. I gave him his XXXX hours and on XXXX XXXX, 2015 I called him at XXXX at XXXX and XXXX my time and I left a voice message each time. It is XXXX my time today and he has yet to respond to my two messages. This issue needs to be resolved before the XXXX of XXXX.
Product: Checking or savings account

I reported unauthorized transaction on my debt card to Wells Fargo bank on XX/XX/12 and was issued a temporary refund in the amount of {$3500.00}. I called Wells Fargo by the ends of 30 days and was told the refund is completed and case closed. I had a missed call from Wells Fargo Friday at XXXXXXXX XXXX on XXXX XXXX, I called back Monday XXXX XXXX and was asked that the business has your info, do you still believe the transaction is unauthorized? and I said yes, I have a receipt from the business that I paid the charges and I also told the bank that you told the case closed. Later on XX/XX/XXXX, I received a 2 line letter stating that the amount will be reversed on XX/XX/XXXX. I called many times and complained but they kept telling me the case closed with no explanation of any kind as it why and what happened to the legal time frame of the dispute. Now my account is negative {$3700.00} with fees.