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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nj XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence Dear Credit bureau I am writing in reference to the notice I received regarding the civil liability claim for negligence under the reference number XXXX. After carefully reviewing the situation, I believe that the claim of negligence is unjustified, and I respectfully dispute the liability. 
I would like to clarify the following points : XXXX. Lack of Negligence : Based on my understanding of the events leading to the alleged negligence, I do not believe my actions or omissions were negligent in any way. I took reasonable precautions and acted with due care, and I am confident that I did not fail in my duty of responsibility. 
XXXX. Absence of Evidence : To date, I have not been presented with any clear or convincing evidence to substantiate the claim of negligence. I respectfully request that you provide any documents, statements, or other evidence that support the assertion of negligence in this case. 
XXXX. Details of the Alleged Incident : If the claim is based on a specific incident or event, I request further details, including the date, location, and circumstances surrounding the incident. I would also appreciate clarification on how my actions, or lack thereof, directly contributed to the alleged negligence. 
In light of the above, I request that you review the facts of the case and provide a full explanation of why this civil liability claim is being made. If necessary, I am prepared to provide further documentation or clarification from my side. 
Please respond in writing within XXXX days to resolve this matter. I am confident that upon review, it will be clear that I am not liable for negligence. 
Thank you for your attention to this matter. I look forward to your prompt response. 

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

Several times disputing this item with your company still not removed, please remove the following XXXX XXXX XXXX - No debt owed XXXX XXXX XXXX XXXX - No verification obtainable and the company sent your agency a notice to remove see attached
Product: Checking or savings account

I moved at the beginning of XXXX, and on XX/XX/XXXX changed my address, ALL my addresses, for my Wells Fargo accounts to insure I had no problems receiving my mail : I received confirmation of that change that day, and again on XXXX XXXX because Wells Fargo did not process the first change. Instead, mail continued to be sent to my old address, without explanation : I see the scans of my mail from USPS, including on XXXX XXXX, going to the old address, but it is never forwarded, and I have missed receiving two statements and other mail as a result. I have spent almost three hours dealing with this, including repeated trips to my old address by XXXX unsuccessfully to try to find the mail. Wells Fargos negligence was bad enough, but their offensive response, misrepresentations about what occurred and failure to address the issue are even worse, and typical of the bank. Their negligence has cost me more than three hours of phone calls, travel time, etc. and at least XXXX dollars. On XXXX XXXX, I spoke to XXXX, XXXX XXXX XXXX, who had the nerve to claim said they could offer no compensation because they cant identify their own employees, which is beyond absurd and completely legally irrelevant. They would have a full record of whom I spoke with, and regardless they have a record of the change of address being confirmed. The agent who allegedly then handled the complaint ( they have assigned it to numerous people who never reply, and have no internal coordination ) XXXX XXXX, XXXX XXXX XXXX, actually wrote on XX/XX/XXXX that Wells Fargo could find no record of my address change in XXXX, even though I have confirmation from the bank by email that it received and claimed to have processed the change. Wells Fargo then has the nerve to claim it is not obligated to send legally required documents to the correct address or at all. The bank is either beyond negligent or overtly fraudulent, and it has failed to deliver legal documents as required by law and its own contracts for two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Laws The Credit Reporting Agencies XXXX, XXXX XXXX Trans Union and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.
Product: Student loan

My student loan processor is Aidvantage. Before XXXX XXXX announced the SAVE plan, i applied for an Income-Driven Replacement Plan ( IDR plan ) in the last week of XX/XX/2023 to prepare for loan repayment. The following week, XXXX XXXX announced the SAVE plan. This new plan would cut my payments in half, which was crucial as I could not afford my IDR payment. I work for the state government and my wages are low. I initially submitted my SAVE application and followed up XXXX weeks later. Aidvantage representative said my application had been lost so we re-submitted an application together. I did not hear anything and assumed things were fine. On XX/XX/2023, I received an email notice that my monthly payment was still the XXXX amount ( my SAVE application had not gone through ). I contacted Aidvantage and worked with another representative who submitted a new SAVE application for me on XX/XX/2023. She informed me that my SAVE application would be approved by XX/XX/2023. It is XX/XX/2023 and my SAVE application has still not been processed. I have followed up with Aidvantage often, usually waiting on hold for at least XXXX minutes before speaking to an agent, and most recently, I waited for XXXX minutes to talk to an agent. She got my information and put me on hold for XXXX minutes and then hung up. I need help and have done everything I can on my end to make this work, the fault is on Aidvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is still showing late payment for XX/XX/2021. This is the ONLY late on my entire credit report and it is because of HSBC 's fault, NOT mine. This account was on auto pay where HSBC takes the money out of my account automatically every month to clear the bill. The monthly payments are fixed and HSBC knows exactly how much to take out because they do it every month with no issues HSBC did not take the money in XX/XX/2021 and this prompted me to see what the problem was. HSBC explained they did not take the payment this month and they were performing updates. The updates knocked the payment system offline and the autopay feature did not trigger. HSBC then refunded me the late fee they assessed and told me I have nothing to worry about. Now On my credit, I see this late payment hurting my credit profile. I spoke to an agent from HSBC and they told me it will be reversed. Today, months later, the fee is not reversed and I am still fighting this problem. I just want this error addressed and reversed on my credit. I have 100 % payment on all my accounts except for this one because HSBC made a promise to me and has failed to keep their promises. I have the credit report attached. Notice they have sold the account to XXXXXXXX XXXX  and it says " In Dispute '' This means they have received my dispute and deliberately refusing to fix this problem. I need the CFPB to look into this and have this late payment taken off as promised AND my credit restored to perfect.
Product: Debt collection

I did not received enough information from the collection agency, they did not called me. I thought my insurance company paid the amount in full. I did provided the hospital with all my insurance information and I believe they did not follow up the insurance. They forwarded the account to collections agency., who reported me to credit B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I, made a payment for XXXX to be sent but, as a Check only payment. 
I, had noticed that the Payment XXXX went out on XX/XX/2024 as a ACH payment Electronically as the method Instead as a paper check as it was set up by me. Never changed. 
I, would like for the bank please provide a copy to me Showing that XXXX or another were allowed to make ALTERATIONS to my account after a payment was submitted and in process by using my Bank Account, My personnel information. 
Maybe the bank should provide insight why this was done if you don't mind. If the Bank was not allow to do so I, want that person removed from having access to my accounts. Permanently, Payment should not have gone out as a ACH. Should of had gone out as a paper check directly instead. 

I, already made changes to the Account Something I, should not had to do or Make { changes } in my life and driving to XXXX XXXX XXXX from XXXX Florida but I, did. 

Who requested For the ACH and Funds to be sent before the others that are still sitting in there to the same Merchant USDA in the amount XXXX and XXXX as a check payment and paid on time. XX/XX/XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is attempting to get an additional judgment for a judgment from XXXX. They filed a memorandum for costs after a judgment in XXXX XXXX, XXXX  on XX/XX/XXXX to my former residence in XXXX XXXX XXXX, XXXX  at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I've lived in XXXX, XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX since XX/XX/XXXX due to a Covid-19 related job-loss. 

The original judgment filed in XXXX XXXX XXXX XXXX for my defaulted debt with XXXX in XXXX. 

They have also subpoenaed my tax returns, paystubs and other financial documents from my creditors, namely XXXX XXXX XXXX 

Based on the court filing, Resurgence Financial , LLC. purchased the outstanding debt from XXXX and now is trying to resuscitate zombie debt during a pandemic, and is trying to manipulate the court system in XXXX Further, XXXX  destroys all court-records after 10 years and some of the information on the new filing is not consistent with the original judgment. I have copies. The new filing is based on an attestation from the XXXX XXXX XXXX and not actual documents. 

I have clients in the mortgage and real estate industry who are subjected to bully tactics from Resurgence Financial that seeks multiple judgments on the very old debt and puts in on the credit reporting files as a way to tarnish the credit of people who owe past judgments or to extort additional money from people. Most of my clients get the judgment or collection removed from their credit but it is harassment. 

If I still lived in XXXX, the filings should take place in my home county NOT 49 miles away in another county which is a 2-hour drive one-way. Additionally, XXXX XXXX XXXX Courts have been closed for certain filings due to the pandemic and was hard hit with Covid cases so they tried to file in XXXX XXXX because of it's lax laws and lenient Covid restrictions, but I moved back to XXXX because I couldn't afford to stay in XXXX. 

Resurgence and XXXX XXXX XXXX are attempting to renew a judgment when I have proof of me living in XXXX and XXXX  for the past 12 years out of 13 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERMEDIATE HOLDINGS XXXX XXXX XXXX XXXX 18 usc 241 and 242 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 All parties failed to conduct a reasonable investigation pursuant to the FCRA, they failed to review all relevant information provided by me pursuant to the FCRA, failed to correct and update the accounts credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. The Complaint asserts a single cause of action alleging numerous and multiple willful, reckless or negligent violations of the FCRA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ), and reasonable attorneys fees as iam Attorney-in-fact and costs pursuant to 15 U.S.C. 1681n ( a ) ( 3In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution. 
18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act I wish the every violation get investigated.in an timely manner thank you
Product: Payday loan, title loan, or personal loan

Big Picture Loans was suppose to withdraw {$120.00} on XX/XX/21 but did not.. I received an e-mail from them on XX/XX/21 to contact them and I did. The representative I talked to could not resolve the problem and told me that it would have to be resolved at the next level up..The representative kept placing me on hold during the call, which was very aggravating. But she said it would be looked into and asked for my phone number. I heard nothing until XX/XX/21 by receiving a text that my payment was past due and to contact them. I contacted them and the same process as before began to start. I was being placed on hold. I believe this is an attempt by the company to have additional interest accrue to make extra money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires reporting on my credit file that are unauthorized and I do not recognize I have asked Equifax to remove the inquire many of times over and over and still no resolution to my issue and the inquires need to be removed. under 15 U.S. Code 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have made late payments before with the following companies below : - XXXX XXXX ( Vehicle Loan ) - XXXX XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, XXXX years early ( XX/XX/2022 ). 

With XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit reports Capital One Bank, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my Capital One credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX and XXXX I deposited a total of XXXX to my Robinhood brokerage account from the linked account of XXXX XXXX XXXX in my Robinhood App, and then on XXXX XXXX I received a restricted notice from Robinhood and then on XX/XX/XXXX I received a email of Account Closure ( s ) in Progress, ( All of your Robinhood accounts will be closed. Account closure can take up to 4-7 business days depending on the assets held in your account and if liquidation or transaction settlement is needed. ) they are holding my total funds of XXXX and I sent them emails almost everyday since XX/XX/XXXX, asking when can they release my money to my original bank source that linked to Robinhood, they replied the same email says ( All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to 15 business days to complete this process. ) but the fact is they are holding my money and put me to wait like endless. This is happened on XXXX its been almost a month since the account closure date. 
Ps : I didnt do anything wrong I was using the robinhood app to buy and sell stocks and cryptos, suddenly they restricted and closed my account and retained my funds. I have nowhere else to complain no body to discuss right now Im panic Im afraid they are not returning my funds, because these issue happens to a lot of Robinhood customers. Please help me CFPB
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Experian and consistently they have responded within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX I Date Opened : XX/XX/XXXX {$560.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are report inaccurate information on my consumer on my credit file and its affecting my ability to get personal things in my name that I need. I filed a dispute with both companies stating that there is inaccurate and fraudulent information being reported when it shouldnt be. 

XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX  XXXX XX/XX/2021 - {$4300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations enclosed : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX  ( all ) Credit Card Opened by the Thief Company or Organization : XXXX  XXXX XXXX  NEED MY CREDIT TO UNLOCK TO SEE ALL THE INFORMATION COULD BE MORE
Product: Credit reporting or other personal consumer reports

I have 8 unauthorized inquiries on my transunion report. I need them to be removed, I have no knowledge of these inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to withdraw funds from my Coinbase.com account ( Cryptocurrency ), for the past month. Currently, my Litecoin, Bitcoin, and Ethereum Classic are sitting in my Coinbase vault accounts. In order to transfer the cryptocurrency from my vaults to regular wallets, I need to approve the transfer of funds from a secondary email/phone number which are both no longer active. Because I don't have access to my vault 's secondary email or phone number, I can not approve the transfer to my regular wallet or approve the withdrawal of funds to my bank account. I have tried contacting Coinbase via email and phone, and have not had my issue resolved. They told me they could manually transfer the funds from my vault to my regular wallet and then delete the old vaults. This would allow me to withdraw my funds. They had me authenticate my account, but I have not heard anything since. The company continues to say they are working on the case, but I have not had any resolution or update. 

I have contacted them via phone on XX/XX/XXXX XXXX. 

I have contacted them via email on multiple dates, they have not responded : The latest contact was XX/XX/XXXX. 
The original date of contact was XX/XX/XXXX.
Product: Debt collection

I have a complaint against Ace cash express for repeated and constant annoying phone calls on a daily basis plus written notice.of debt. I told them to stop calling or i will sue them for harassment. These practices are illegal and i demand {$1000.00} payable to me for fine for these unfair business practices.