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

Desert finance repossessed and took possession of a car XX/XX/XXXX then they didnt report anything else to my credit report. All of a sudden, They then waited until XX/XX/XXXX to report 13 missed payments all at the same exact time. They are not reporting in a fair manner. They needed to report the account being late as of XX/XX/XXXX and then every month since, not wait over a year later to hit me with 13 missed payments at one time. They have to report on my credit as it happened. This account was closed as of XX/XX/XXXX and my report states it closed XX/XX/XXXX They are reporting wrong information and not reporting a correct payment history as it happened.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of an inaccurate item on my credit report that has already been removed from my credit files at XXXX and XXXX but is still appearing on my experian credit report. This inconsistency is not only affecting my credit score but is also a violation of my rights under federal consumer protection laws. 

The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Removal from Other Credit Bureaus : year 2024 Upon reviewing my credit reports, I discovered that while this item was removed from both XXXX and XXXX following a dispute, it still appears on my Experian report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this statute, I have the right to dispute inaccurate or outdated information on my credit report, and the credit bureau must investigate and correct any errors within 30 days of receiving a dispute. 

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA, information on my credit report must be accurate, complete, and up-to-date. The continued reporting of this item after it has been removed by other bureaus is a failure to meet this standard.

Given that this item has already been corrected by two of the three major credit bureaus, I respectfully request that XXXX investigate this matter and remove the outdated information from my credit file promptly. This item is harming my creditworthiness and is an obvious violation of my rights under the FCRA and FACTA.

Please confirm the following : The investigation of this item in accordance with FCRA Section 1681i.

The removal of the inaccurate information from my Experian report.

A copy of my updated Experian credit report reflecting this correction.

I expect this issue to be resolved within the 30-day period mandated by the FCRA. Failure to comply will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for the violation of my consumer rights. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction.
Product: Credit reporting or other personal consumer reports

| have disputed these fraudulent inquiries multiple times with Transunion and they kept ignoring my request. So, I'm filing a complaint against their company as they are hot taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding the unlawful withholding of funds by Remitly and their lack of transparency, poor communication, and failure to provide an explanation or resolution. 

Details of the Issue : I attempted to transfer {$990.00} through Remitly from the account of XXXX XXXX XXXX to a beneficiary in XXXX, XXXX XXXX. The transaction was canceled by Remitly without explanation, and the account was subsequently suspended. Despite this, Remitly has withheld the funds and suggested that will hold for it over 10 days, leaving them in a pending status. 

XXXX XXXX has made several attempts to contact Remitlys customer service via phone, email, and chat and they XXXX himself XXXX XXXX also via whatsapp and his email, but no resolution has been offered. The only response received has been a generic acknowledgment that his emails were received, without any further action or explanation. A representative named XXXX advised XXXX XXXX to create a new account after couple attemting to sent the funds to XXXX occurred. But the same issue occurred with the second account, with the transaction being canceled again and the funds still withheld from XXXX XXXX XXXX bank account. 

This situation has caused significant distress, as XXXX XXXX, the intended recipient, is XXXX citizen, XXXX XXXX XXXX, legally XXXX, and relies on the funds for essential medications. Remitly 's continued withholding of these funds is unlawful under consumer protection laws and regulations, including the Electronic Fund Transfer Act ( XXXX ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, which mandate transparency and fairness in financial transactions. 

Remitly has failed to provide any clear communication, has not returned the funds, and has taken no action to resolve this issue despite repeated efforts to contact them. 

XXXX Requested : I am requesting that Remitly immediately release the funds to the intended recipient or return them to XXXX XXXX account. Additionally, I request that they provide a clear and transparent explanation for the account suspension and cancellation of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an inaccurate account with Equifax several times. The account is XXXX XXXX. The account is reporting inaccurate account types, account status, opening date, high credit, credit limit, last date active, and date of last payment. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. The sent me a letter stating that they would request for Equifax to delete the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter!
Product: Mortgage

On 2012 i purchased my house for {$820000.00} XXXX XXXX time home owner ) and later on i found out that is only worth {$400000.00} I want some XXXX to investgate this as is very unfair that i have a loan for {$800000.00} if the house is only worth less than {$400000.00} Please feel free to contact me if you have any questions.
Product: Checking or savings account

Wells fargo told me there was an issue with my check, and they deposited my check of XXXX XXXX and did not return the funds to me after they closed my account. 

They also didnt provide proof that the funds were returned to bank issuing the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX, HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name XXXX XXXX XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name
XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
 
Account name
XXXX
Account number
XXXX,
 
 
Account name
XXXX
Account number
XXXX,
 
 
Account name
XXXX
Account number
XXXX, XXXX XXXX XXXX
 
Account number: XXXX,
 
XXXX XXXX XXXX
 
Account number: XXXX,
 
 
XXXX XXXX XXXX
 
Account number: XXXX
Product: Credit card

Please review the attached documents. I request the bureau to commence an investigation into these accounts, as I am consistently on time, yet they are inaccurately marked as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is giving me a hard time about things on my report,, I cant understand is how I file a fraudulent report back in XXXX when things started happening on my report,, I sent a copy of the file number and date so I what I cant understand is how can you update my disputes with my current credit report,, yes its going to match if it was stolen and used come on now how can that really happen its not fair and its not right to continue to be a victim and cant get no help XXXX removed the negative information I disputed why yall cant how XXXX just update stolen information with current information and says its me when telling you its not me XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and more of the dispute please stop updating my current information with this fraudulent report please remove these things please
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Cosumer Financial Protection Act. 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 ans deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act and Regulation E. These actions have caused significant inconvenience and financial lose, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX : account XXXX XXXXXXXX / XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Debt collection

I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by Security Credit Services , LLC ( SCS ) of a fraudulent account of which I became unaware. 

On XX/XX/2022, XXXX XXXX, Support Services Manager, of Security Credit Services , LLC ( SCS ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. 

However, in a letter, dated XX/XX/2022, from XXXX XXXX XXXX ( XXXX ), I was informed that SCS placed my account for collections with XXXX XXXX XXXX ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX
Product: Debt collection

I informed the company the debt was the product of identity theft. The company asked for and received proof of my residency at the time of the rental in question. I sent the entire ledger from my current residence. The account was removed from my credit file by XXXX. The company then placed a fraudulent address on my credit, reduced the debt by XXXX and put it back on my credit. I would like this company permanently blocked from my credit file.
Product: Debt collection

I reached out to the company I C Systems ( XXXX ) about this alleged debt on my report on XX/XX/2021 and my complaints fell on deaf ears. I've also filed a XXXX  complaint on XX/XX/2021 and after that they finally responded by sending me a bill. When i filed a CFPB complaint they said they would mail me information and you closed it but they didn't mail anything. I have been asking them to validate this alleged debt for over 120 days and all they did was send a bill through the XXXX  portal not even to me. How can they fail to validate this debt for over 120 days and still report it on my credit report. I know if they can't validate it in 30 days they must delete it off of my report. Well its been 130 days and no proper validation. A bill is not a validation i asked them for the original application that shows the debt is mine but they are playing games and ignoring me. They must delete this information ASAP.
Product: Credit card or prepaid card

I called a couple days ago to report my XXXX XXXX as lost/stolen. I thought the card was lost ( turns out I had just misplaced it ). XXXX, as is their practice, issued a new credit card with a new number. The next day, I received a credit monitor email from XXXX XXXX noting that my score had severely dropped with XXXX XXXX XXXX ( and presumably other bureaus, although XXXX XXXX only uses those two ). The reason for the drop was that Paypal Credit Card, issued by Synchrony Bank, had listed my account as closed with the credit bureaus, even though all I did was get a replacement card ( with a new account number ). Even though they correctly listed the reason as " lost/stolen '' card, I was severely penalized based on how they reported the lost card to the bureaus. One bureau showed a drop in my score by XXXX points, and the other by XXXX points! When I spoke with XXXX, they explained that XXXX had many options for reporting the replacement card, and they didn't have to report it as a closed account. I don't believe this is the industry practice, and I believe it may very well violate federal law to penalize someone so severely ( or at all ) on their credit score simply for reporting a lost/stolen card. Surely this can't be legal, and if it is, it definitely isn't standard practice. I hope the CFPB will help protect consumers from such actions. 

When I spoke with XXXX XXXX, they were not very helpful. They put me through to a XXXX who wouldn't even connect me with the department that handles such complaints. Instead, I was told they would investigate and send me a letter. This could take weeks or months! When I asked for someone to follow up by phone, they even told me that they would not do that. Unbelievable. 

Please note that the credit card number supplied is for the OLD credit card that was lost. I have not received the new one yet, so I do not know the new card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian please remove off credit report this account does not belong to me XXXX XXXX XXXX XXXX This Collection company is reporting fraud/identity theft to my Credit Reports : Name XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX Phone number ( XXXX ) XXXX Please Close and Remove Account Off Credit Reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as Experian reports a date opened of XX/XX/XXXX ; XX/XX/XXXXdoes report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXX dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas Experian reports the number of months to be 249 ; XX/XX/XXXX reports nothing. 

XX/XX/XXXX reports the date last active to be XX/XX/XXXX whereas Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXXreports nothing. 

Experian Reports that this account was 30 days late whereas XX/XX/XXXX and XX/XX/XXXX reports nothing. 

Experian Reports that this account was 60 days late whereas XX/XX/XXXXand XX/XX/XXXXreports nothing. 

Experian Reports that this account was 90 days late whereas XX/XX/XXXX andXX/XX/XXXX reports nothing. 

Experian Reports that this account was charged off ( CO ) whereas XX/XX/XXXX and XX/XX/XXXX reports nothing.
Product: Debt collection

The credit collection agency Century Credit Collections on XXXX XXXX XXXX., XXXX CA XXXX will not send me a written letter showing the debt, the amounts owed, the amounts they have added in fees over the last 5-7 years. 

They tell me they will only furnish something in writing ONCE I make a payment arrangement. I will not make an arrangement until I have something in writing, which I should be given per section 809. Validation of debts of the " Fair Debt Collections Practices Act ''.
Product: Credit card or prepaid card

Capital One Venture XXXX is promoted as a card that you can book travel via their web portal and accumulate 10 times points when you do so. 

However, their portal is so limited that it doesn't show the best available price nor does it show all the available flights. The booking engine is so limited that you would end up buying several 1-way tickets ( which are more costly ) when you want to do a multi-segment trip. 

I've only successfully booked one ticket on their portal, all my other purchases need to be made directly with airlines or another portal such as XXXX. 

The yearly fee takes into account the use of the travel portal to accumulate travel points, however, I am realizing this is a farce in the year 2022 not being able to book all options on a web portal. 

Deceptive advertising practices at best.
Product: Mortgage

We paid off our loan through our bank in XXXX, then they reported late payment in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Sent this to Citi... they believed the vendor and NOT the consumer... this site/merchant needs to be shut down. Citi denied my claim without even a call. The merchant is playing them with 100s of pages of fraudulent and misleading documents. They will not accept my return and told me they would just throw it away and deny they got it. XXXX dealer told me I was being forced to buy a fake product by a fake vendor. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Citi Visa XXXX : Billing Inquiries Re : Notice of disputed charge to Account No XXXX XXXX XXXX Anywhere Visa Card by Citi-XXXX Coa Card by Citi-XXXX  Dispute Number XXXX XXXX Merchant : XXXX ( Fraud Site ) Dear [ Fraud and Billing Inquiries Division ] : I am writing to dispute a charge of {$170.00} to my credit account on XX/XX/2022. The charge is in error because the site is either fraudulent or sells damaged goods with no real XXXX  ( return process ). Local XXXX XXXX said they had never heard of their return process and they mentioned the part might be used or not from XXXX The part does not fit my car and or is damaged. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have already reported the site to the FTC and the Texas Attorney General. While I still have the part, the representative told me to wait for the XXXXif  I get one before returning the part. He said if I returned the part with no XXXX, they would just throw it away. 

Again, the XXXX  requires me to take it to a XXXX XXXX to validate the part and or warranty. The local XXXX dealer told me they had never heard of such a process or this online site. The vendor will not accept the return without an XXXX, they said they would just throw it away and pretend they never got it. This is clearly a scam from this vendor and they should be shut down for selling fraudulent copycat parts. 
They are clearly taking advantage of the credit card claim process by saying the consumer still has the part. Again, the XXXX dealer said I was being sold a fraudulent part and there is no such thing as them verifying the part. 
The part has since become toxic as it is venting plastic chemicals ( smells ) and has started to disintegrate. If Citi and XXXX will not protect mewho will. 
Attached is a copy of the order and their XXXX  process. The second option is non-sensical since it still requires XXXX to validate/inspect the part. 

XXXX XXXX Vis a Card by Citi-XXXXVisa Card by Citi-XXXX Sincerely XXXX XXXX XXXX XXXX XXXX