23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX out of the blue Chime banking sent me an email saying they were closing my account. I was able to call them once on a automated system to get an explanation and was told they couldn't tell me why it was closed in their department i had to email XXXX. Well over three weeks now i have wrote 15 emails and can't get any response. I don't care really why they closed it but i had aprx. {$1400.00} in the account and they have yet to return it. They have zero landlines to call, no physical address, and one email address i can use, i am totally frustrated. I would like to be able to eat and need to know where my funds are.
Product: Money transfer, virtual currency, or money service

I am contacting you this time to get back the balance in my account ( {$650.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account! 
My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!
Product: Credit reporting or other personal consumer reports

FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, XXXX & Experian URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXXXXXX ), Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off XXXX XXXX XXXX XXXX XXXXXXXX ), Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed XXXX XXXX XXXX XXXX XXXX ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses to Remove : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX XXXXeir Bank Account # XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate across all 3 credit bureaus. I have sent certified letters to Equifax, XXXX  and XXXX 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided Equifax with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone attempted to open an account in my name. Fortunately, the individual was unsuccessful yet an inquiry for this attempted account opening remains on my credit report from Equifax. Immediately upon learning of the fraudulent attempt, I contacted the creditor who stated they would make a note about the fraud. Additionally, I worked with a representative at XXXX to resolve the issue ( I have XXXX   protection because of two personal information breaches involving my information ). A request was submitted by XXXX   on my behalf to remove the inquiry. In late XX/XX/XXXX, I filed an Identity Theft Report through the FTC, filed a police report with local law enforcement, and provided a copy of the letter I received from the creditor regarding the attempt to open an account to XXXX  along with a limited Power of Attorney to complete the inquiry removal request on my behalf. These documents were provided to Equifax, requesting the removal of the fraudulent inquiry. Equifax has denied the request. Multiple requests were made in writing and by calling Equifax directly. During a call to Equifax on XX/XX/XXXX, I was told, " Inquiries are factual and Equifax does not remove factual information. '' I explained a police report and FTC report was filed, and then was told they could assist with removing the inquiry. A few weeks after the call, I received an updated credit report that removed a closed account in good standing while the fraudulent inquiry remained on the report. I contacted my representative at XXXX who said, " sometimes it can take up to 90 days for the request to be processed. '' I called Equifax again on XX/XX/XXXX. During my first attempt I was disconnected while on hold for 30 minutes to process my request. When I called back, I learned my request had not been processed. During the second call I received a confirmation number pertaining to my request to remove the fraudulent inquiry. As of XX/XX/XXXX, the fraudulent inquiry continues to reported by Equifax.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit card or prepaid card

Transferred to XXXX financial to handle payment processing in early XXXX alleging " acct significat past-due ; '' pmts on-time ; changed to another collection agency for processing pmts. no contact ; could retrieve statments using URL available through instructions. Told acct not handled by American Express. I have not received statments in nearly four ( 4 ) months despite continuing to reside at same address. 

Received first communication from second agency XXXX on XXXX XX/XX/XXXX claiming " opportunity to regain card membership. '' Prior reinstatement agreement cancelled by AMEX alleging " significatly past-due. '' In light of this " offer '' allegation of serious past-due payment seems to have been ploy to reduce risk exposure by cancelling out garunteed reinstatment of high-tier card ( platinum ) to place in lowest-tier card without any benefits with annual fee. 

AMEX claims this " new '' reinstatmenet through XXXX is because of my prior " relationship '' with Amercan Express, yet it was that same " relationshp '' American Express alleged caused the account to be closd in XXXX after a double-payment in an alleged single statement period caused computing system to allege payment was late for subsequent month ( s ). This was also after AMEX " lost '' a two-thosuand dollar payment that was wired to them through the FED a few months prior in that same year.
Product: Debt collection

HI XXXX / IC SYSTEM FOR BALANCE {$3800.00}???? : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

XXXX XXXX XXXX  HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT XXXX XXXX XXXX  ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM 2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and EQUIFAX are reporting these inaccurate accounts on my profile.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX  which falls under XXXX, according to XXXX-XXXX  Final Rule 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Credit reporting or other personal consumer reports

There are fraudulent inquiries that are reporting on my Equifax credit report. I am a victim of fraud. 

Fraudulent inquiries reporting on Equifax : 1. XXXX FR Date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 4. XXXX Date : XX/XX/XXXX The above listed inquiries are unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had problems with XXXX XXXX XXXX for years. We have never missed or been late with a payment. We make a {$100.00} payment automatically deducted from our account, and have never varried. These payments have not been applied correctly to our account, resulting in them accusing us of missing and late payments. On At least two occasions we have had to research our accounts and go through our payments to provide copies of the front and back of each check. After we have provided this information they corrected our account to match the true payments made. We have had a terrible problem with their customer service and have not been able to get a single point of contact resulting in hours and hours of repeated conversations. Our first set of checks were sent to them in XX/XX/XXXX, and finally again XX/XX/XXXX. I have all of the information that I have sent to them if you are interested. This month, while our paperwork was accepted, they filed on our credit report that we were 30-59 days late with our payment. We disputed with the agencies and called the company but they reaffirmed the late payment, not to mention that the overall balance listed was higher by about {$1000.00} than what we really owed. I am tired of fighting with them only to have innacuarate information posted to my credit report while they know this has been a problem with their accounting. If we had not checked into this problem they would have kept our money and never applied it to our account. To me that is fraud and considered illegal activity. I have attached a photo of our account statement showing a negative balance due. This is not because we suddenly paid extra money. This is because they correctly applied the money we have already paid, every two weeks since the inception of the loan.
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 Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and adress 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 process was unfair and deceptive, as they did not want to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and fincial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I just received a letter in the mail threatening reposession if I did not make a payment within 13 days of the date of the letter. The letter was dated XX/XX/2020. I did not receive that letter until XX/XX/2020. I can verify this with informmed delivery through USPS. 

I have been trying my best to get back on track with this loan. I have been making at least one payment a month, but that is not helping my past due balance. I communicate mostly through email due to a an auditory processing disorder. I can show email after email of me begging for assistance without any reply. I had been out of work due to covid and then had my wallet stolen and my accounts drained. During this time I was still making at least 1 payment per month in XXXX, XXXX, XXXX. I am able to maintain regular payments at this point but I can not clear the large amount past due. I've asked that it be tacked to the end of the loan, no response, I asked that the amount be divided up and added to my monthly payment, with no response. 

I told the company that if I couldn't work something out I'd have to file bankruptcy and it seems they immediately sent the demand letter after that. 

This is my only vehicle. I'm just trying to save it and keep driving.
Product: Mortgage

. I have been trying to work with Wells Fargo since XX/XX/XXXX to modify my mortgage loan and it appears their underwriters can not connect the dots to get this completed. I 've applied several times for assistance, but I 've run into problems each and every time. My last single point of contact told me that my mortgage loan qualifies for the National Settlement Program and I have accommodated Wells Fargo 's every request for the last two years. The person underwriting my file denied me for the program in XXXX without a solid written reason. How can Wells Fargo allow a person who lacks common sense have so much power over my loan and destroy my life by taking away my home? Wells Fargo unjustly denied me access to government programs designed to help homeowners and it feels like there is nothing I can do. 

Since that denial, I 've continued to try to get help and went through the rollercoaster process of sending in information over and over again and being given false hope. Every time I did exactly what they said to a tee, but I feel they never properly reviewed my mortgage loan for assistance and have been playing games with something that is so important to me. I have submitted every document that has been requested ( multiple times ) and they still require more. I continue to get collection letters mailed to me every other day and also receive harassing phone calls on both my home and cell phone not only during business hours, but also at night. If they would put as much effort into reviewing my loan for a modification as they do harassing me to " collect a debt '', this issue would be resolved. But instead they continue with the foreclosure process instead of properly reviewing my loan for help ... is n't that dual tracking and considered illegal? 

It has been such a frustrating and stressful experience that was totally unnecessary. I am able to make my mortgage payment, but they will not accept it. They want to steal my house!!! Initially, I had hope that Wells Fargo cared about their clients, but it is clear they have no interest in helping me. It 's not fair for a XXXX like me to go through so much stress and eventually lose my home. I would be forever grateful for any assistance you could provide to get them to speak with me regarding my loan and hopefully save me from losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX Details XXXX XXXX Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term Equifax collection past due no term unpaid status XXXX show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX , NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.