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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates.

Clerical or Processing Error : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as XXXX and XXXX days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. OnXX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX XXXX XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.
Product: Credit reporting or other personal consumer reports

Experian improperly and illegally has let an illegal third-party Anility recovery service report, false and Is in violation UCC 15 U.C code section 1692e False or misleading information. & it is pattern and practice of illegal activity. This company is committing Social Security Fraud and is breaking and CFPB violations. FTC, XXXX and many violations that would. be endless web. Experian and XXXX are working together with each other to commit fraud and id violation the terms and provisions of the XXXX XXXX, and the XXXX, and they are deliberately, violation their own department policy.
Product: Vehicle loan or lease

XXXX XX/XX/2023 I only owed Credit acceptance {$3400.00} for my vehicle and it would be paid off. Skip to XX/XX/2023 They now claim I owe more than {$10000.00}! They did not call me or email me yet repossessed my vehicle on XXXX XXXX which is today. Theyve done this twice in the past 7 months trying to get more money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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

I have been sending notarized and certified letters to credit bureau in regards to a identity theft that took place on my credit file. I have sent in a identity theft report notarized and sent certified to the credit bureau and to yet nothing has been done they still continue to ignore this matter I have wrote to the general attorney ( GEORGIA ) just recently
Product: Credit card

XXXX American Express Card # s ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX county court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with Amex in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with Amex to all 3 agencies, namely XXXX, XXXX and XXXX but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and Amex is reporting it improperly or credit agency do not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
Product: Credit reporting or other personal consumer reports

Did not authorize this information. Filed identity theft report. Address on this account is accurate. Records for this account isnt accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion on XXXX XXXX,2017 & again on XX/XX/XXXX requesting that they remove the XXXX inquiries from XXXX. I have attached the letter from XXXX. When I ran my report today X/X/2017 XXXX  inquiries still appear. I kindly ask that they remove these promptly and send me a follow up letter as such.
Product: Debt collection

I am writing to formally dispute the accuracy of a charged-off account reported by XXXX XXXX XXXX on my credit report. While the account is listed as charged off, I was never provided a 1099-C form as required by the IRS when a creditor cancels a debt of {$600.00} or more. This lack of documentation suggests that the debt may not have been truly forgiven, charged off or written off, making the reporting inaccurate and misleading.
Product: Credit card

I enrolled in a " Chase Offer '' through my Chase Freedom credit card with XXXX XXXX  prior to my purchases with XXXX XXXX  on XX/XX/year> - {$25.00} and XX/XX/year> - {$1500.00}. The offer was for 10 % cash back. The title of the vendor on my credit card statement is " XXXX '' and " XXXX '' respectively. Chase claims that they can't find the offer. The representative refused to receive my screenshot of the offer that I took after a first attempt to resolve went nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Capital One Auto Finance # XXXX BALANCE {$10000.00}. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

We use square as a point-of-sale system in our business. Last year they tried to hold 20 % of all our credit card transactions in what they call their reserve program. I was able to call them and get this issue resolved. This year, during our busy time they did the same thing. Only now they won't release the money after repeated attempts. We have a history with them of over 2 years. Probably closer to 3 years. We have never had a charge back XXXX time. Not once. Now they are holding over XXXX of our money and earning interest on OUR money. We have switched from their service to clover, but we want our funds released now. Those were our sales, not theirs. I can't get anyone from the company to call me back. I asked them how much money we needed to have in our bank account for them to release the funds and they will not answer that question either.
Product: Checking or savings account

I have had money in my account and Wells Fargo has held a debt let them bounce then overdrawn my account then add those fees of XXXX dollars
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX XXXX 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 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 my account 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. XXXX XXXX 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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX   XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and addresses be blocked and deleted from my credit report. I am a victim of a recent data breach, and as a result, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and personal information removed from my credit file. 
The following charged-off accounts should be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$5600.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$16000.00} Additionally, the following addresses are associated with fraudulent activity and should be removed from my credit file : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX AV, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I made a purchase on XX/XX/ at a local furniture store using my store account that is issued through Wells Fargo, N.A. I used the store card because it is 12 month interest free financing. My issue however is that upon logging into my Wells Fargo online account I am unable to make payments on my account because they have still not processed my purchase. I have continually checked my online account since I made the purchase and the charge still to this date ( XXXX XXXX XXXX a month a half later ) shows as a " pending transaction ''. To date I have still not received a statement on the account either, the first of which should have been issued in XXXX. The online system shows that my next statement is scheduled for XX/XX/XXXX but this is similar to what it showed last month ( but XXXX cited ), so likely that I will not get another statement. Periodic statements are required under TILA/Reg Z , so I am concerned that one hasn't been issued yet on my account. Furthermore, Wells Fargo 's online system will not allow me to make a payment on the account as their system states " Your payment can not exceed your outstanding balance. Please change your payment amount. '' I have never had a delay this long on any credit card purchase posting to an account, and at this point it is preventing me from making payments that I should have the right to pay on my account prior to the end of the 12 month 0 % interest promotional period. This to me can be construed as consumer harm and resolution should be to extend the promotional period to allow consumers 12 consecutive months with the ability to make payments on the account at 0 % interest. Also, just now when I logged into my account, their online system has an alert that states " If you see incorrect balances or missing transactions, this may be due to a technical issue and we apologize. Your accounts continue to be secure and we're working quickly on a resolution. '' This to me is not adequate customer service from one of the largest banks in the country. They have been in the limelight for practices that create consumer harm and this is one that can be added to their track record. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I received a refund for an item I purchased XX/XX/XXXX. The item is recalled and I was eligible for a full refund of {$150.00}. 
The refund was processed by XXXX on XX/XX/XXXX, and despite me explaining to XXXX that I had a new Business Bank Account w/ Wells Fargo they refunded the money to the closed business account. 
I called Wells Fargo customer service at XXXX six times between XX/XX/XXXX thru XX/XX/XXXX. 
XXXX XXXX XXXX I was told on the first XXXX calls that occurred between these dates that the funds were sent back to XXXX. This was not true. 
XX/XX/XXXX -my XXXX call to Wells Fargo XXXX was able to file a claim. I was told to wait 10 business days for the claim to process, which I did. 
XX/XX/XXXX, XXXX received a letter from Wells Fargo XXXX Assistance XXXX XXXX XX/XX/XXXX that they completed the research and " a processing error did not occur, consider your claim closed. '' I did not receive the money via deposit into my current business account w/ Wells Fargo XXXX 
On XX/XX/XXXX I called twice ( the toll free # above ) and was hung up on after working with the agent for about XXXX minutes. Immediately called back again, spoke with a different agent ( at the Wells Fargo customer service # I provided above ) and she could see the money was refunded to my closed account on XX/XX/XXXX. She transferred me to a XXXX named XXXX in the Online Division of Wells Fargo and he confirmed the money shows it was refunded by XXXX to my closed Wells Fargo account. After " XXXX '' from the Online Division of Wells Fargo did his research he could only start another claim ( XX/XX/XXXX ) and told me I had to wait another 10 business days for the money to be refunded to my current business account.
Product: Debt collection

They will not give me any information about who they are. They ask to speak to me but will not identify themselves. I am hesitant to give them my personal information without verification of their identity. They call me numerous times every single day.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXXDate Opened : XX/XX/year> Balance : {$11.00} XXXX XXXXXXXX XXXX XXXX  XXXX Opened : XX/XX/year> Balance Owed : {$35000.00} Late/Open
Product: Credit card

Date of Incident : XX/XX/year> Time of Incident : XXXX XXXX  ( timezone : XXXX XXXX XXXX ) Place of Incident : XXXX, XXXX Citibank Dispute Case ID : XXXX At the end of a Taxi ride, the driver showed me the amount as XXXX XXXX XXXX ( equal ~ {$9.00} ). He then proceeded to swipe my credit card on his machine. He gave me a hand written receipt for the same amount. This was suspicious so once I exited the taxi, I immediately checked my account for the transaction and saw a charge of {$1000.00} USD. 

I contacted citibank within 30 minutes of the incident and asked them to block the transaction. They said they can't do anything as it was still a 'pending charge ' and I should call back after it posts to the account. I filed a police report in XXXX, XXXX at XXXX XXXX same day. 

I've been working with Citibank 's billing dispute since XXXX and have provided them the receipt, police report and all the details multiple times. They keep closing and re-opening the case without any explanation and openly lie about not being able to read the documents I've send both electronically and physical mailed originals. They are clearly stalling and at this point it's clear they are not issuing a refund for the excessively charged amount {$1000.00} or have made any attempts to get the money from the merchant. A taxi merchant can't possibly charge {$1000.00} for a ride so this should've been an easy recovery process for Citibank. 

Hope the CFPB can help get a refund here.
Product: Credit reporting

Tried multi computer, differenet browers, different settings over many weeks but always get this message from Experian. 
A condition exists that prevents Experian from being able to accept your request at this time
Product: Credit card or prepaid card

Date:2/19/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST Phone : XXXX FAX : XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Destiny On XXXX.I applied for The Destiny Mastercard Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Money transfer, virtual currency, or money service

Hi, I initiated a {$20000.00} wire transfer from my Wells Fargo checking account on XX/XX/21 to XXXX Bank in Arizona. The wire transfer is for the escrow funds I'm putting down on a new house. I did this using the Wells Fargo application on my phone. 
The {$20000.00} was removed from my checking account on XX/XX/21. Unfortunately, XXXX Bank never received the funds and I no longer have the funds in my checking account. 

I have called Wells Fargo at least XXXX times over the last XXXX weeks and I have visited my local branch twice to get help. I have initiated a claim with Wells Fargo and I have been told that Wells Fargo would contact me within XXXX days with an update. The XXXX days has come and gone and I have not been contacted. 

I have reached out to the recipients of the funds at XXXX XXXX XXXX and they think the funds may be held up by XXXX due to a word I used in the memo of the wire transfer. 

I can't get any clarity from Wells Fargo and I can't get clarity from XXXX Bank and I am trying to get my $ XXXX back. Please Help. THANK YOU