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

I have disputed a collection account from XXXX XXXX XXXX XXXX with Transunion which appears on my credit report for a debt I don't owe. Transunion sent me a letter saying they wouldn't investigate the matter. I am a victim of identity theft. I want Transunion to send me the name and phone number of the person they spoke with to verify that the fraudulent debt is mine ; I want Transunion to provide me with a Contact containing my handwritten signature. Transunion can not put inaccurate information on my credit report while thumbing their nose at CFPB.
Product: Mortgage

I took out a 2nd Mortgage on my house on XX/XX/XXXX, through XXXX XXXX , XXXX Later it was sold to XXXX XXXX XXXX , XXXX XXXX , then to Real Time Resolutions, who currently holds this loan. The original amount loaned to me was {$15000.00}. After paying on this loan for 14 years now, I still owe {$12000.00}. 

I called XXXX XXXX ( XXXX ) on XX/XX/XXXX, and spoke to XXXX XXXX. I told him of my issue, requested an amortization schedule showing how my balance is still so high ; he stated that he would have someone call me within 30 days. 

I never received any sort of response from my first phone call. My 2nd phone call was made on XX/XX/XXXX. I again reached and spoke to XXXX XXXX. He says the loan boarding department reviewed my account and that their figures are correct. I again requested an amortization schedule or any other document that will show me how my payments have been applied and why my balance is still so high. XXXX stated that he would " escalate '' my issue and that I would be contacted within 10 days. 

Over 4 months later, XX/XX/XXXX, I STILL HAVE RECEIVED NO RESPONSE in regards to my requests. I called today and spoke with XXXX XXXX. He was beyond rude, talked over me repeatedly, then advised that I did not " correctly state my request in my two previous phone calls ''. He also stated that his notes show that my loan, which was set to be paid in full as of XX/XX/XXXX, would not be anywhere near being paid off. He told me that he would request a document showing how my payments have been applied, but followed up with " but I can not confirm that you'll actually get such document ''. 

I have been paying on this loan for over 14 years at {$210.00} per month and per Real Time Resolutions, I have only paid off a total of {$2500.00}. I would like to know where my money has been posted and how I could still owe so much. I did contact the original loan holder, XXXX XXXX, and since they'd sold the loan years ago, they were not able to help me. 

I appreciate any assistance you can give as I feel I am NEVER going to get out from under this debt. 

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

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDNELNET XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent in a letter via certified mail to the XXXX XXXX XXXX XXXX XXXXXXXX that was received on XX/XX/year> at XXXXXXXX XXXX  This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. I sent out a second letter stating that the incorrect accounts were being updated by the credit reporting agencies based on the information that XXXX XXXX  XXXX gave them. Today is now XX/XX/year> and the innacurate accounts are still on my report despite the request to cease and desist.They have not sent the 1099-c that was requested.I also sent letters to Equifax, XXXX, and XXXX. To which they updated the incorrect information. They are willfully not complying and reaging my charged off account by reporting payments I didnt make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Chase bank one I have had forever. I have my account on autopay. I have multiple cards. Chase placed it annual fee of XXXX on my account. The account had not had a balance all year. The Bank did NOT mail me a statement. They just charged the amount. After 40 days they mailed me a delinquent notice which I did receive. I went online to pay I have other credit accounts with Chase and had updated my I updated the bank account on my autopay. Chase did NOT advise that I needed to do that fore EACH CArd on the same account. In any event, I paid the past due fee online. The problem was that the check was returned account closed. So not only was I not late but it was because of a closed account due to Fraud. CHase REPORTED ME, DELINQUENT, for nonpayment of their annual fee. Even though I paid and it was returned. 1 ) they didn't mail me the statement with the fee 2 ) They don't show account info on the payment accounts online so I did not realize the payment was from a closed account 3 ) I have never ever been late 4 ) they reported me for an annual fee for a card I didn't want and wasn't using. 30 days late for payment of ANNUAL CARD FEE are they Kidding I have contacted them and they say contact the credit bureau credit beara says the reporting is accurate because chase says it's accurate Please stoop these crooks.
Product: Debt collection

On XX/XX/XXXX, Midland Funding LLC filed a collections complaint against me. In XX/XX/XXXX, the case was closed without being heard, and I assumed nothing more would come of it. Late XXXX, I received a letter from their local representative, XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. It contained a verification of debt I had not requested, as well as a request to contact the firm to discuss the matter. I did not, and XXXX of the attorneys contacted me. I pointed out that " you ca n't squeeze blood from a turnip '' -- I am on Supplemental Security Income -- and I heard nothing more. Today, my phone listed a California number among the missed calls ; a quick lookup places it in the right area for Midland Credit Management, which Midland Funding , LLC is a subsidiary of. This is not the first time they have contacted me using untraceable burn phones, and, at this point, I would be more than happy to set up a way to record future calls to provide evidence that it is Midland. While it is n't harassment, per se, closing a case and then starting in on me out of the blue, and doing so in a way that theoretically can not be traced, does not encapsulate any sort of ethical collections practice. ( As an aside, I strongly suggest that a separate and thorough investigation be opened against Midland Credit Management and all its subsidiaries ; does a company that directs its employees to use burn phones seem like a company operating on the level? )
Product: Checking or savings account

Chase closed my checking account for no reason they flag it as fraudulent when they had no reason to do it. Its been 4 years and still they have not Gaven me my XXXX XXXX I dont no what to do
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Rapidcash/Speedy Cash has received proof of payment via email and their agents confirmed this via phone directly after emails were sent. A payment of {$910.00} was paid in full XX/XX/XXXX. Speedycash insisted the payment was retracted XX/XX/XXXX. My bank said no it wasn't. I requested proof from Speedycash of this retraction and they refused to send it. I've sent my bank statements from XX/XX/XXXX and XXXX showing {$910.00} paid in full and NO retraction happened in XXXX. The documents were complete and Speedycash agents confirmed received to 3 different emails. Speedycash lies constantly. Their corruption is constantly ongoing to their customers. I will continue to file complaints until the day I drop dead unless they show my account paid in full.
Product: Vehicle loan or lease

Reference XXXX I have never had a car repo nor had a bad payment history with this company internal error that they refuse to fix nor with their affiliate I applied for a loan and was denied by Westlake reason for denial is repossession with Westlake or one of its affiliates but I have not had a repo with any company this is an error and they keep denying me when I had a perfect credit history with this company and was never late and paid my loan in full and closed it therefore I do not understand the denial letters I called their office on multiple occasions and they advised they have no record of repo or account not paid their records show perfect history but yet they are getting incorrect info and denying due to internal error that they refused to fix
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 after several attempts to pickup a money gram transfer reference number # XXXX at the following location MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The recipient stated the Teller XXXX stated the transfer was unavailable for pickup. 

Upon her return the transfer was tracked twice and found to be available. On the last time there was no record found. 

I have my receipt and the money transfer shows up in my within my account online. 

I called the location and XXXX stated that transfers can not be picked up from where it was initiated which I do not believe. 

After being told I had to go to another location which was not true since the recipient has picked-up at the location in the past the next location below MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The Teller XXXX stated the transfer was unavailable for pickup to myself during a call from the location. She had no other explanation but for me to seek a refund which is not what I want! 

Upon her return i again tracked the transfer and found it to be available. 

I also called into the money-gram automated system and was informed the transfer is available. I also talked to an agent who states the same. 

I am complaining because the transfer was not available as promised. Then after there seemed to be some fraud or deception regarding this transfer and its status. 

I finally had to go back to the location I initiated the transfer and had to call customer service to have a return reference number issued I was offered help to pickup but that was then not helpful and just got a refund. My transfer fees were not returned. XXXX of the XXXX XXXX location stated money-gram had to refund when it was the locations fees for the transfer!
Product: Debt collection

XXXX are charging me a FOREVER fee of {$8.00} and {$50.00} for a phone I already cancelled and paid for it. Because there is a forever fee I can not cancel my account. XXXX employees send me to XXXX and XXXX send me to XXXX. I think this forever fee is illegal.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally demand the removal of an inaccurate late payment reported on my credit profile. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX {$1100.00}
Product: Debt collection

After my atuo loan provider contacted me at work I told them not to contact me at work again they threatened to make deductions to my pay and made me a offer of payment. The colecter demanded " when I will I be payed my money '' then threated that if paper work or payment was n't receaved by the end of the month that they will proceed with garnishment. Because I did n't know what my rights where I told them to email mail me the paper work. I also have receaved multiply phone calls in a day from this corperation.
Product: Bank account or service

On XXXX/XXXX/XXXX I opened and a SECURED self-funded credit card with {$400.00} at a Wells Fargo Bank. I never used the card. I did pay the annual {$25.00} fee. On XXXX/XXXX/XXXX I phoned Wells Fargo and cancelled the card. It was agreed that I had never used the card and had authorized no recurring charges to occur on the card. The balance ( minus the annual fee ) was intact. I was told that it would take 45 to 60 to release my money. I find the 45-60 day delay in refunding me unacceptable as the card was immediately voided and as it was a secured self-funded credit card had no liability to Wells Fargo Bank ever. Wells Fargo 's written terms for holding the the balance states it is " to cover transactions that may be posted to the credit card account after it is closed '' which makes no sense. 

I would appreciate CFPB to investigate this practice at Wells Fargo bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX  has VIOLATED My rights. 

1. XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX XXXX Acct # XXXX 5. XXXX  XXXX Acct # XXXX 6. XXXX  XXXX Act # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX  Acct # XXXX 10. XXXX Acct XXXX XXXX 11. XXXX XXXX Acct # XXXX 12. XXXX XXXX XXXX Acct # XXXX 13. XXXX XXXX XXXX  Acct # XXXX 14. XXXX Acct # XXXX 15. XXXX Acct # 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXE XXXX Balance : XXXX
Product: Money transfer, virtual currency, or money service

I filed a complaint (  XXXX  ) that was not addressed by the company to my satisfaction. The company withheld access to my funds f or 7 business  days costing me {$120.00} in interest expenses. When the initial deposit was made the teller stated that ther e MAY BE  a 2 day hold. They held it for 7 days.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against the the Cash app Application ( Block , Inc ). which is due to the inadequate customer service and unfair practices, which had violated the known Consumer Financial protection Act ( CFPA ). To get into specific details Cash App had dailed to take timley and effective measure to prevent or stop the address fraud on their platform, that had terribly impacted me and left my account unprotected. Secondly their dispute resolution process was unclear, unfair and very poor to best expresses it, as they simply did not comply with the error resolution requirements under the the Electronic Fund Transfer Act ( EFTA ). The inconvenience these action have caused me with financial loss and trust issues with Cash app. Finally I demand this complaint to seek the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an auto loan and wasn't able to get it. I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to XXXX, Transunion and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. The following personal information - J XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX  NY, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21
Product: Credit card

On XXXX  XXXX XXXX I tried to pay my credit card on line and could not so I called Bank of America XXXX. My statement balance was {$5300.00} and paid that amount. I received a confirmation for that amount. On XXXX  we tried to use our credit card and it was declined. I called them was told a payment of {$53000.00} had been applied to my account. There was a hold on my account because of the overage. I explain to them I had not paid this amount. I talk to a XXXX in Texas and he said the matter would be straighten by XXXX  or XXXX  at the latest. I called XXXX  XX/XX/XXXX and was told it would take a minimum of XXXX working days probably more to determine this wasn't fraud. 
They took {$58000.00} from my XXXX account and froze my card. This card I pay all my monthly bills. I now have no money and no card. To pay my bills that are now all due. My medicine is on hold. I need help. The credit card company said nothing can be done.
Product: Credit reporting or other personal consumer reports

This is my 4th attempt that I am a victim of identity theft and I submit this request to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance XXXX {$580.00} XXXX XXXXXXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inquiries on my Experian report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XXXX of 2020.
Product: Credit card

I think it was around XX/XX/year> I booked a hotel room at the XXXX XXXX online I had one price. But after I booked the room it stated XXXX for XXXX nights for a XXXX XXXX so when I saw that I cancel because that was the wrong price. I then stay at other hotel. Then I started getting information from the XXXX XXXX and I was telling them that it was canceled but they won't give me my credit back. I filed a deput but they say the room was booked by a third party and they can't do nothing about it. So I closed the card and they continued adding late fees on the card.