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

I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open account with Equifax and XXXX Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts on my account and promptly contacted your customer service department. I explained the situation and submitted the required documentation, including [ provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. 
After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The late open accounts on my account are significantly impacting my financial and personal well-being. 

I request the following : XXXX and effective action to correct the late open accounts on my account. 
Clear  communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of the late open accounts. 
Compensation for any financial losses or damages incurred as a result of these late open accounts. I am asking for your assistance to correct the late open account in my credit file : DEPT OF XXXX XXXX XXXX XXXX XXXX, XXXX  Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this confined fraudulent collection debt of {$5500.00} to the XXXX XXXX of XXXX and XXXX to which it was reported on. ( XXXX removed the fraudulent collection debt which i will provide documents of ) when i took action but XXXX however is very unlike with their processing systems and creditors monitors for fraudulent alerts like this current debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Transunion disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Transunion had 30 days to complete this investigation. I received no response to this letter and this account was not marked as " disputed '' on my credit report within a 30 day window. 

On XX/XX/XXXX, I sent a follow-up letter to Transunion regarding this same matter and have received no response to date. 

By not properly investigating this matter within the required timeframe, Transunion violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of my credit report.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) to be removed.

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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to review my credit on a monthly, if not on a weekly basis. On XX/XX/2022, I reviewed my credit report and saw that my date of birth, address, and my name was yet again misrepresented. Called the agency to correct this issue over the phone and was put on hold with no solution or feedback. 

As of XX/XX/2022, a letter containing a copy of my SSN and certificate of birth was sent by mail. This is now the 4th attempt to have this credit agency verify information with copies of my source documents. 

I have contacted Equifax for the last 7 years about this same issue. It is dishonoring to me and other people who have to go through this process. Please contact this bureau and investigate their process of verification.
Product: Money transfer, virtual currency, or money service

There were fraudulent transactions on my cash app and cash app
Product: Student loan

I requested a payment refund from XXXX XXXX for overpayment of my graduate plus loans during XXXX pause under the XXXX XXXX on XX/XX/XXXX, being quoted XXXX days to issue the refund. However, I've received no confirmation or status updates from XXXX XXXX  via email or when calling. They've now quoted me via phone up to XXXX days. I'd like to have my refund processed inmediately so I can apply for student loan forgiveness.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Fraudulent activity has resulted in unauthorized inquiries appearing on my credit report. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiry be blocked and deleted from my credit file immediately : Unauthorized Inquiry : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the verizon account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.
Product: Payday loan, title loan, or personal loan

Empower charges a subscription fee of $ XXXX. I signed up for the app after a trial period of XXXX weeks in XX/XX/2021 and was charged a subscription fee/month since that time. I NEVER used any Empower service and also did not receive any notification of the subscription being charged. I've been charged {$170.00} for no reason what so ever. This is a deceptive business practice. If money is being debited from my accounts then I should be notified about it. I received no monthly, quarterly statements from Empower but they kept deducting my account. I reached out to the company and they refused my full refund request. 

regards,
Product: Vehicle loan or lease

My car was in an accident on XX/XX/2022, the date of this complaint is XX/XX/2022. I have GAP insurance through Ally Auto as well as full coverage insurance on the vehicle through XXXX XXXX 

I made a single payment towards the vehicle while waiting for all paper work to be processed by XXXX XXXX  and the gap coverage. 

Payment by XXXX XXXX  was issued to the lien holder in an amount equaling {$16000.00} on XX/XX/2022. The remaining balance is {$670.00}. I spoke with my gap insurance policy holder multiple times through XXXX. I submitted the documents they requested, as well as confirming multiples times with agents on the phone representing Ally. I was told today XX/XX/2022 that 2 of the forms submitted were the wrong forms and that I need to get the correct forms. I confirmed more than once if the forms I was submitting were correct. They were not. It will take me 30 business days to receive the forms they, the car payment is already over 30 days passed due. The gap insurance does not provide refunds for the payments made throughout this entire process. I am forced to pay off the remainder of my loan to avoid my credit being hit. Even though I paid for GAP coverage, I asked on XX/XX/2022 to cancel the gap coverage through ally, and issue me a refund due to this discrepancy. I was rudely told no refund will be issued. 

After further investigation of this company they absolutely disregard the needs of their customers and is SCAMMING every single one of their customers.

I purchased GAP that will not do anything to assist, but tell me wrong information purposely to ensure I am forced to pay so they do not have too. A simple XXXX search will show thousands of people with the same complaint.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy on my credit report that does not belong to me. I would like the account and move on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was affected by the 2017 XXXX Data Breach, everything presented below is proof of fraudulence from that breach. Below are the listed violations and accounts with exhibits that have committed such violations. This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX, and XXXX  by sending it to collections and on my credit accounts. I have no knowledge of this and want them removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person, etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have my consumer information which is a violation and infringement of my consumer rights and most detrimentally my rights to privacy as a consumer. By federal law any authorizations made from the extension of a credit card ( SSN, ID, or Plate ) should not be included in a consumer report.
Product: Mortgage

To whom is my concern? 

I had a loan with high interest from Wells Fargo because I was single out because my heritage. 
On XX/XX/XXXX I refinance my loan with Wells Fargo. 
Wells Fargo closed the account and sent XXXX $ credit to me to XXXX XXXX XXXX , XXXX. 
And XXXX $ for the new home owner insurance send to my address by error. 
I return the money to XXXX XXXX XXXX , XXXX. 
On page XXXX are my copies You can see the credit, the insurance and the taxes The money for the insurance was cover ( credit ) XXXX + XXXX ( my check ) You can see page XXXX. 
On XX/XX/XXXX I sign escrow On XX/XX/XXXX Wells Fargo go ahead of XXXX XXXX XXXX and pay XXXX XXXX XXXX XXXX $ Knowing the date of disbursing is XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX , XXXX send a check to Pay XXXX XXXX XXXX .same day Wells Fargo send a letter for the amount XXXX $ to be pay. 
On XX/XX/XXXX XXXX return the XXXX $ to XXXX XXXX XXXX with a letter saying was pay in full. XXXX XXXX XXXX start the process to return the money to Wells Fargo for the amount XXXX . 
And on XX/XX/XXXX XXXX $ was return from XXXX to wells Fargo. 
15 months later, Wells Fargo are charging me XXXX $ a months to cover XXXX $ for the payment to XXXX on XX/XX/XXXX ignoring they already had the money from XXXX XXXX XXXX on XX/XX/XXXX. 
On page XXXX you can see how my escrow should be Compare to Wells Fargo do n't look the same they start taking money from Escrow to repay advance on XX/XX/XXXX. 
Please Help me I think I been single out again I try 5 times on the phone because is impossible to see a rep in the Wells Fargo branch to show them the proof. 
XXXX XXXX XXXX try to get in touch with Wells Fargo and told me they were very rude. 

Thank You for your help. 

XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ca. XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns dealing with Zelle. In light of the CFPB Lawsuit highlighting significant problems with the program. I notified them about funds being sent wrongly and was notified that it was nothing that could be done
Product: Credit reporting or other personal consumer reports

There was a goverment data breach and my information was completely exposed.
Product: Vehicle loan or lease

I need to see the purchase agreement contract or bill of sale that was created between Credit Acceptance and XXXX XXXX Sales.. the retail installment contract is not the only contract. There was also one between Credit Acceptance and The car dealership XXXX XXXX XXXX that I have a right to see as a consumer. Please send to my email XXXX. 

Also why was I not notified of my right to rescission per 15 US Code 1635
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Equifax ; Experian and XXXX  a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
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 violates the customer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected, furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E these actions have caused significant inconvenience and financial loss and I seek appropriate redness for these violations
Product: Debt collection

Midland credit management , inc . Sent me 2 threatening letters in less than a month. In the first letter I received I was given until XX/XX/XXXX to reply or they may forward my case to an attorney in my area. 
The second letter I received gave me until XX/XX/XXXX to reply. The second letter is dated XX/XX/XXXX. I received the letter on the XXXX. I dispute this debt, and I feel threatened and intimidated by the language they used, and the tactics they are using
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a re-investigation dispute letter to Experian about the following accounts : XXXX  XXXX, Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX. It's been over 45 days since I sent this re-investigation dispute and Experian have not answer as they are required by the FCRA.
Product: Credit card or prepaid card

this is regarding TD credit card service cash card website is : https : //www.tdcardservices.com/ I Closed the account on XX/XX/XXXX. 2022 Charges still coming to my closed account after I closed for a month and I was told there is nothing I can do about it
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I recieved a letter yesterday when I returned from my vacation, that said nothing? I feel I sent the wire, paid for the wire, and if there was a issue? They should have sent back? I was not aware that recepitent did not receive funds on time, and it has cost me a lot. I can upload the letter if you would like? Wells Fargo is a nightmare, and there apology is not making it. Do I have recourse by suing them?
Product: Checking or savings account

Good Evening, I'm reaching out to you to write a complaint regarding my newly opened account at the City Bank located in XXXX XXXX, NY. 

My account number is XXXX XXXX XXXX and I've been trying to reach my local executive for weeks now, with no answer. I set up the account on XXXX with a man named XXXX XXXX, and even tough he helped me a lot during the set up, to this day I still haven't received my debit card. I tried to reach him several times trough email requesting a new debit card to be sent, and I still haven't heard from him. 

I need to request a new debit card to be sent to my mailing address located at XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY XXXX. It should be the same address on file.
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my credit report that I did not approve. One is XXXX The other is Wells Fargo Card Services I need my accounts protected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that are on my credit file that should not be there. This information is not accurate. Please remove all of the inquiries that are on my complaint.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my XXXX  still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX  accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my XXXX XXXX, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Letter Regarding Unauthorized Credit Reporting Violation of FCRA and New Jersey Identity Theft Laws Dear PNC BANK, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft laws, particularly New Jersey Statutes Title 2C:21-17.

It has come to my attention that PNC BANK has engaged in unauthorized reporting to my credit report without first obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New Jersey state law, specifically New Jersey Statutes Title 2C:21-17, underscores the severity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. 

I wish to assert unequivocally that I have not provided consent for PNC BANK to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand that PNC BANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including New Jersey identity theft laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA and New Jersey identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect your immediate attention to this matter and anticipate that PNC BANK will promptly rectify these violations, demonstrating respect for my rights under federal and state laws.
Product: Debt collection

I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me