23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello : I am writing to both the Wise support team as well as the supplier, XXXX XXXX XXXX XXXX, asking for resolution concerning transaction # XXXX. 

On XX/XX/year> I, XXXX XXXX XXXX, membership XXXX, transferred {$410.00} USD to XXXX XXXX Trading Firm account # XXXX through Wise. I have contacted the seller every day since then and the seller states that they have not yet received the deposit in XXXX account XXXX. 

My account was debited for {$410.00} on XX/XX/year>. 

Please reverse and refund my Wise transaction. 

Sent to both companies via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Equifax of inaccurate items on my credit file. After being notified, they continued to report inaccurate information on my credit file. They also stated that they verify certain information on my credit file with a third party who stated they don't have the information in question on file. Not only are they committing identity fraud, but this is negligent and a violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  reported the late payment on XXXX, XXXX, XX/XX/year> to all XXXX credit bureaus for all three loans ( Loan # XXXX, XXXX and XXXX ), while those three months were the review period of mortgage assistance application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that XXXX prove to me how they " verified '' that the account with L J ROSS ASSOC is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Product: Money transfer, virtual currency, or money service

I am filing this CFPB complaint as the only recourse to hold Chase accountable for in effect ignoring my fraud claim. I have still not received my {$2500.00} stolen ( two separate transactions ) from me on XX/XX/24 ( shows up as XX/XX/24 because they were closed on the new years ) despite reporting the theft and requesting them to shut down all my accounts before it happened very quickly after I was robbed. Chase first denied my claim on XX/XX/24 by removing the {$2500.00} in credit applied after I reported the fraud then I appealed on XX/XX/24 and sent a lot of documentation clearly showing I did not authorize these transactions whatsoever ( never made a XXXX transfer on chase, no idea who " XXXX XXXX '' is, etc. ) and the bank still denied it on XX/XX/24 saying I authorized it?? I have no way to track any of this other than filing this complaint. They have no in person fraud dept service, no email, no one will give me their contact info to follow up or even give me their last name. Each time I call their fraud line I get a different story ( the fraud rejection letter only included one of the transactions when I very clearly stated there were 2 ) and I'm very worried Chase is not actually looking at my paperwork sent in ( because if they did they would clearly see I did not authorize these transactions whatsoever ) or trying to run out the clock on paying me back or hoping I give up. Their fraud claim operations system is totally rigged against consumers by having no ability to document any correspondence or acknowledge actions taken and I'm hoping this CFPB complaint can help me provide some recourse because I have zero faith they actually investigate anything I tell them, then deny my claim without any acknowledgment they looked at the docs I faxed in with the police report, etc. I don't know what else to do as I have literally tried everything else and to make matters worse, I only have 60 days from XX/XX/24 under the Electronic Fund Transfers Act to file a claim as a victim of electronic/digital fraud and time is running out
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 XXXXXXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/2018. 
XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

Yesterday, XXXX/XXXX/XXXX. I received via postal mail, a XXXX Cancellation of Debt " Corrected '' form for XX/XX/XXXX, but it was dated for XXXX/XXXX/XXXX from Bayview Loan Servicing , LLC at XXXX. XXXX XXXX, XXXX FL XXXX ( XXXX ). Should they not have included a dated date on the form or at least put the current year they are sending the form out to me? Please advise as I 'm not sure what to do here or if I have to file an ammended tax return now. Thank you so much.
Product: Debt collection

Previous report was closed out when debt collector responded, Only CFPB did not even take the time to verify their information. The bond number provided by JJ Marshalls is not legally binding to them in the state of New Jersey, no did their office provide a new jersey business license. AS per NJ State Revune department JJ Marshall has no license or bond in the state. The bond number they provided is not registered to JJ Marshall!

This is how JJ Marshal repsonded and CFPB just closed the case not even verifying the information. 
We are a third party debt collector for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who assigned us an account for XXXX XXXX on XXXX with a balance owed of {$3300.00}. We contacted XXXX XXXX on XXXX and she refused to talk to us until we sent her proof we were licensed in New Jersey. Collection agencies are not required to be Licensed, but are required to be bonded. Our bond number is XXXX. Anyone that wants to verify this can write NJ Division of Revenue Collection Agency Bond Unit XXXX XXXX XXXX XXXX, NJ XXXX. They Must include a self addressed return envelope with their request. I am also sending XXXX XXXX the supporting documentation regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered erroneous remarks and inquires on my credit filed I asked Transunion to preform an investigation into these matters and its been well over 30days since they have yet to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently viewing my consumer report I noticed many inaccuracies. On XX/XX/2022, I XXXX XXXX sent via certified mail to XXXX, Transunion and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. 

I've only received a positive response from XXXX, who removed the old information and used the current information I provided. I feel like I'm being taken advantage of, and my disputes ignored by Transunion and XXXX. 

FCRA 611 ( a ) clearly states failure to investigate the items within 30 days give reason to immediately delete the items from my consumer report. Its my right as a consumer to have proper, current information on my report.

I demand old, irrelevant personal information be deleted immediately, or I will file for litigation due to the stress Ive undergone for fear that my information may fall into the hands of the wrong person creating further XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing this account for the following reasons : 1. Accuracy of the Reporting : The account is listed as a collection account with a balance of {$1100.00} past due as of XX/XX/year>. However, I do not have sufficient documentation supporting this amount or its validity. 
2. Fair Credit Reporting Act ( FCRA ) Violations : The reporting does not reflect complete and accurate information as required under Section XXXX and XXXX of the FCRA. Specifically : The date of first delinquency is unclear. 
It is not evident that this account has been verified in accordance with the law. 
3. Consumer Dispute Notice : While the report indicates that this account is " disputed by consumer, '' XXXX has yet to provide me with evidence of proper investigation or validation of this debt. 
4. Removal Timeline : The estimated removal date is listed as XX/XX/year>. However, it is unclear how this timeline was determined, and it may not comply with applicable regulations regarding credit reporting timeframes. 
As required by the FCRA, I am requesting that you conduct a full investigation into this matter and verify the accuracy and completeness of this account. If XXXX XXXX XXXX can not provide verifiable proof of the debt, I respectfully request that the account be deleted from my credit file immediately. 
Please respond to this dispute in writing within the timeframe mandated by law.
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. 

XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

My ex-husband XXXX XXXX on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with US Bank. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to US Bank requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to US Bank and to XXXX to try to get this resolved and nothing has been done. XXXX sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with US Bank was. 
I greatly need help.
Product: Credit reporting or other personal consumer reports

I sent numerous certified mail to this company address as stated on my credit report. This company refused all certified mails, including priority mail that was signed for by their staff member and then sent back to me.
Product: Checking or savings account

1. We mailed a check to our vendor on XX/XX/2022 Check Date - XX/XX/2022 Check Amount - {$15000.00} Check Number - XXXX Payable to - XXXX XXXX XXXX XXXX. 

2. Improper Endorsement was used by Huntington Bank. We have been working with bank from 6 months and no resolutions yet. We have proof of correct and false endorsements. 

3. We will upload proof of correct endorsement ( from previous payments ) and fake endorsement.
Product: Debt collection

On XX/XX/2018 I bought a mattress from XXXX XXXX. I chose to finance the bed from your company Westcreek Financial the cost of the mattress was XXXX. I signed the documents from your company and I gave my correct bank account number and debit card number as well or the payment to XXXX XXXX would have never have gone through. On XX/XX/2018 I came into a large sum of money and called your company to ask for a payoff amount which I paid in full. Since that time your company and I have been in a dispute with you telling me that I owe you XXXX. You have reported a false report to the credit bureau that borders on fraud. Yesterday in a final attempt this matter your company and my bank had a three way conversation in which my bank told you that if you had submitted a charge of XXXX it would have been paid. Your response to me was that the payment of XXXX was kicked back to you due to a wrong bank account number or debit card. My bank confirmed that all the information that was on the application was true and correct. So if the payment did not go through it was an error on your part not mine but yet you still argued with my bank. You offered to take this fraudulent amount of XXXX off of my credit report if I paid you that sum. I checked my account with XXXX  and you had yet again altered information fraudulently as of XX/XX/2018 because I checked my credit report after speaking with you. Your company needs to remove all of the fraudulent information you put on my credit report because it seems to me that you are using the misinformation you gave to the credit bureau as ransom just to get me to pay a debt that is not mine!!!
Product: Credit card

old navy company he closed his company seeing me affected in that transfer not giving an answer to theXX/XX/XXXXmaking an excuse that the account was closed they can't return anything because they transferred from company XX/XX/XXXXyear.
Product: Checking or savings account

The TD Bank, NA in less than 48 hrs.debited my checking account that I have with them 3 times for the amount of {$35.00}, brought a total of {$100.00} as of overdraft fee even I do have a saving account ( with enough balance ) linked to that one.

This is not the first time I have to write to you regarding the same matter, but in the past as well, and I do not know why the TD Bank does the same practice regularly no matter how people like me have to make ends meet the budget. 

This is my first step trying to solve this reality and I hope to be the last resort and not have to go further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible Finance has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago. 

They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint again with the CFPB against the XXXX credit bureaus for this account XXXX XXXX XXXX {$18000.00} Account number XXXX. I have been trying since XX/XX/2021 to resolve this issue and have not received answers in the form of FACTS. All I received is " Factual or updated ''. I have asked for full validation of this account under FCRA and fair credit and billing act. I want to know who they have spoken with and if the company has a right to collect. First off the account was reported in collection and now its not and moved to somewhere else without any explanation from all XXXX credit bureaus. By law I deserved some answers. I know the credit bureaus do not conduct any type of investigation Instead they go to 3rd party vendors to purchase the information. I want to know who they have purchased this from? If they are not willing to conduct proper investigation, please remove. I have never been late and my child is an adult now. The XXXX bureaus have reported incorrectly which prevented me to purchase a home. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors from XXXX  XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent inquiry in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete this inquiry. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am filing an urgent and formal complaint against Experian for their blatant failure to provide verification for fraudulent entries on my credit report. I am a victim of identity theft, and despite my repeated disputes and submission of supporting documentation, Experian has willfully neglected its responsibility to investigate and remove these fraudulent items. 

Fraudulent Information on My Credit Report : XXXX XXXX XXXX Account # XXXX Fraudulent Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Violations of the FCRA : FCRA Section 609 ( 15 U.S.C. 1681g ) : Experian is legally required to provide the method of verification for any information on my credit report. Despite multiple requests, Experian has failed to produce physical evidence proving the legitimacy of the XXXX XXXX account and the fraudulent address. This is a direct violation of federal law, and I demand immediate compliance. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is obligated to investigate and correct disputed information within 30 days. Their complete failure to provide any verification or explanation for these fraudulent entries demonstrates willful noncompliance and gross negligence.
Product: Credit card or prepaid card

I have signed up for Citi AAdvantage credit cards that promise American Airlines promotional bonus miles. Citi checked my credit and approved me for credit cards, I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, American Airlines has closed my AAdvantage account claiming I violated their rules but not telling me what I did. Citi approved me for these credit cards and owes me the value of the promotional miles promised. Their partner, American Airlines, by confiscating my miles has made it so that neither of the companies is living up to their obligations.