23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On the XXXX of XXXX XXXX I was charged {$80.00} XXXX, and on the XXXX of XXXX I was charged {$50.00} by a franchisee of XXXX XXXX. The Franchisee is named XXXX XXXX. These are NOT all the transactions I have made with said franchisee, but these are the only two transactions with the franchisee that Bluebird by XXXX will allow me to dispute. 

On or around the XXXX of XXXX the named franchisee went into my place of employment, broke into my locked toolbox and took back tools that had been paid off. 

The reason said franchisee stated was " I have n't heard from you in months '' which is completely untrue and absolutely fabricated, as a {$50.00} payment was made just 7 days prior and I had seen the franchisee in person. I have since learned that this a tactic sometimes used so that the franchisee can essentially sell the same tool twice! I learned that the franchisee discretely sold a socket set that was taken from me to my very boss, whom I work with. 

I have a paid attorney who has assisted me in filling out a " declaration of damages '' for filing in a local district court. These damages are being claimed against XXXX XXXX, but have not yet been filed, as I would rather have a determination from Bluebird to proceed, as this would substantially help my case against the franchisee. I am not by any means trying to gain here, I only want the money I work very hard for back. 

I mention this because when I disputed the last two transactions made with the franchisee using XXXX XXXX XXXX, I alerted XXXX I was taking this franchisee to court. I was asked to prove this in a manner that made me feel as if i was lying, and making this story up, as if I have n't been victimized enough. 

I have paid approximately {$400.00} US to this franchisee and am able to only dispute a total of {$130.00} with XXXX XXXX XXXX. I learned this morning the {$80.00} dispute was denied, and XXXX has thus far not only refused to give a reason why, but I was told over the phone on the XXXX of XXXX XXXX, that the dispute refund was GRANTED and I should see it in my account by today! ( The XXXX of XXXX XXXX ) I apologize if this seems long but this is something I have been dealing with for a couple of month 's and am now becoming rather agitated over. It may seem like a small sum of money, but as an auto technician, this is money hard earned. 

I truly appreciate any help in regard to this matter.
Product: Debt collection

XXXX XXXX has sent an invoice from XXXX XXXX XXXX which has several charges that are duplicates or over charges for the same procedures. They seem to be padding their bill, on top of the fact that it was never sent to my address. It also clearly lacks any signature by me. Furthermore, it clearly does not disclose that I am in any way liable for the billing or was ever made aware that I would be. After further investigation on my part, I have found that ; since I never asked for credit from XXXX XXXX XXXX and never contracted to pay them, they have no right to act as though I did! This means they have no right to place it in Collections or place it on my credit reports. In Texas they must have written, contractual, signed permission to inquire of my credit report and to post to it. Further, they have yet to prove they ever sent me a notice, as I have stated numerous times before. In Eastern 's reply to my last complaint, they admitted as much when they claimed they had sent notice twice and made no reference to XXXX 's having done so and on which dates. Never the less, none were ever sent to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by XXXX. This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed by the Creditor in XX/XX/year> and reported 30 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks.

If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( Equifax, XXXX, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -XXXX  Removal of negative late payment mark on Credit report.
Product: Debt collection

Wells Fargo has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Checking or savings account

On XX/XX/XXXX, I attempted to cash a {$100.00} check at a Wells Fargo branch located in XXXX, UT. I have banked with the institution for nearly 30 years. The bank asked me to provide them with both my debit card and " I.D . '' I provided them with my debit card and my non-expired government issued photo I.D . and they refused to cash my check because they did not accept my I.D . I asked them to provide me with a list of forms of identification they accepted and they answered by stating " they were governed by regulations and could not provide me with said list. '' After the interaction with the branch, I called Wells Fargo corporate at XXXX XXXX MDT at XXXX to inquire as to what forms of identification they accepted. They refused to provide me with a list and said they were internal policies and subject to federal laws that they could not provide me. They further explained that the policies can be determined by the individual branches. 

My complaint is that as a banking institution they should have transparency with respect to policies regarding basic banking operations such as cashing a check. In this particular instance, the banking institution clearly outlines what forms of identification they will accept to apply for a loan, but do not have any materials with respect to cashing/depositing/withdrawing/etc. monies from a checking account. By allowing the individual branches to set their own policies, as the Wells Fargo corporate representative told me, they allow for subjective and potentially discriminatory conduct. 

I believe Wells Fargo 's lack of transparency allows the banking institution to engage in discriminatory banking practices with respect to members and non-members alike of the institution. This discriminatory practice is explicitly verboten pursuant to federal rules and regulations ( see 15 U.S.C.A. 1691 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact XXXX XXXX, XXXX, and Transunion regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. XXXX XXXX is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?
Product: Debt collection

( I have XXXX separate complaints with this company. I will follow up with another form ) I disputed the debt with the XXXX credit agencies when I learned of the debt. I tried to make contact with Genesis collection agency to no avail but it was ok considering I was disputing it with the credit agencies.

First issue with this company is when I learned that an apartment manager of a complex that I recently applied to reached out to Genesis to find out about the collection. I didnt even know that this call was going to be made. A representative from Genesis discussed the matter with them and shared that they ( Genesis ) were missing information to verify that it was me and asked the apartment manager to verify the identifying information that they had for me. It is my belief that Genesis used that call to gather the missing identifying information that on they did not have. 
I reached out to Genesis once the apartment manager told me that they had made contact and was told that I could send proof of where I lived at the time and they would remove the collection and that if I didnt respond by the XXXX they would kept the collection there permanently. I couldnt understand why a collection agency would be discussing this matter with anyone. Considering the dates the gave of XX/XX/XXXX it made me aware that Genesis received the disputes from the credit bureaus.

When I called Genesis they told me that they didnt have record of that call. It is quite obvious that the call happened because I was given the same information as the apartment manager. I asked the manager if they were sure it was Genesis that had spoken with and they confirmed that it was and that they were forthcoming with the information they shared. 
I asked Genesis to validate the debt. They emailed a lease with an electronic signature. I followed up with a call to ask if they had any information that actually validates the deb as it would help with the police report. I was told by XXXX XXXX that the debt is not fraudulent it is yours no one pays rent for XXXX plus months and stops paying. When asked for the spelling of his name he told me to sound it out and that he was not giving me anything else and that I got all that I was going to get. He said that he sent me a validation XXXX times and that was not true. He told me that he was not providing me with any information just because I decided that I want to buy a home. 

They are using scare tatics by telling me that I have until XX/XX/XXXX or they will keep the collection on the account. The dispute was never filed with them it was filed directly through XXXX XXXX and XXXX XX/XX/XXXX in which I was informed that they would have a decision by XX/XX/XXXX. This company never reached out to me or I to them. Their point of contact was with the potential apartment complex that I applied to, to who Genesis shared information about the collection and gathered information from to somehow substantiate this fraudulent debt. Scare tactics were used to get me to reach out during an active dispute where the burden of proof lies on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes regarding my reports which they have claimed to have verified. there is a lot of inaccuracies, and inconsistencies on my report that is not metro 2 compliance. The following items on my report that was disputed : XXXX XXXX XXXX XXXX XXXX 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

TRANSUNION LISTS THAT I HAVE LIVED IN XXXX AND XXXX. I HAVE NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries to my credit report. I have contact the Equifax, numerous times with no help. I explained I was a victim of fraud with my credit and tax returns. The inquiries as follows, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

There is inaccurate infromation being reported intop my Experian profile
Product: Credit reporting or other personal consumer reports

I appreciate the effort made to remove some of the fraudulent items from my credit file following an alleged identity theft. However, there are still remaining items that require attention. Enclosed is my new FTC report with reference # XXXX for your review. Below are the remaining items that need to be removed from my Transunion credit report : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Payday loan, title loan, or personal loan

I received loan for Mariner Finance. I believe that I made all the payments but now I am being told that I owe the entire amount of the original loan. It is now being reported as such. I believe that I am a victim of predatory lending practices. I believe that there was a small undisclosed amount left with the loan and the attached fees and interest until the amount was in the amount of the original loan amount then they reported it to the credit agencies. I attempted to review my account through my online account with Mariner Finance and see no records of prior loans or payments made. I am trying to take care of the amount I  actually owe with the company. I made payments for the time agreed upon. I was only notified that I owed the entire amount of the original loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on with this, The credit bureaus have Zero respect for the laws.

they need to be held accountable for their action toward consumer thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email stating my Equifax Report decline 14 points. I contacted Equifax and inquire why my report decline. I received one of the representatives from the XXXX, who stated there are several reasons a score would drop and she or no one else will be able to inform me why. 
Today XX/XX/XXXX I pulled my credit report from Equifax and notice my credit score decrease 17 points. I contacted Equifax and got informed again there were several reasons my credit could decrease and no one could tell me the real reason. 
I informed Equifax I have not applied for credit nor had anything new added to my report. Im requesting assistance from CFPB in reference to why my Credit Report Score decrease on XX/XX/XXXX points and XX/XX/XXXX points XXXX. I pay for a Credit Monitoring Service through Equifax as well as a couple other Monitoring Services. I asked the monitoring services why my score decreased for Equifax. They could not inform me but did state, I need to contact CFPB for more information. 
Sir/madam, I have not applied for any credit and nothing been added to my report. Please assist me why Equifax keep lowering my score.
Product: Debt collection

I left an apartment complex ( XXXX ) a month early in order to move to better and more affordable housing in 2012. I had a deposit still held by them. I told the office of my need to leave and established the date I would turn in my keys. They had my phone number, email, and forwarding address and agreed to contact me with any remaining balance owed. I received no communication from XXXX nor IQ Data International, who this was immediately sent to collections with ; I had no notice before it appeared on my credit report and no ability to pay before this derogatory item appeared on my credit report. Since then, the balance has seen a 50 % increase in " fees. '' I recently disputed this with an online form through the credit bureaus, however it was not understood and all IQ Data International did was send in an itemized list ( which I saw for the first time ) from XXXX and fees without itemization from IQ Data International. 

I am disputing and suffering from two deceptive practices. The first, is that I never was contacted in advance of any collections and negative reporting. Second, astronomical and unexplained fees have been levied by this company as a direct result of the first.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  XXXX account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding a recent experience of discrimination I encountered while using MoneyGram to send money to my son. Despite following all necessary procedures, the money was not delivered. When I contacted MoneyGram to inquire about the issue, I was informed that there were " unusual activities '' associated with the receiver. However, no further details were provided, leaving me without a clear understanding of the accusation. I firmly believe there was no basis for accusing my son of any unusual activities, and I am deeply troubled by the lack of transparency and the discriminatory nature of this incident.
Product: Credit card or prepaid card

The Stimulus check arrived today into my American Express serve card and many people myself included can not access any funds in the bank, their online website and mobile app is fully down, and their phones are disabled. Additionally I got this card when I filed taxes this year and have yet to receive an actual card, I have been having to use the temp card number they give online with XXXX XXXX, they supposedly sent a replacement card 2-3x but I never get the card, verified with my postal office that the issue is not on their end. Without that card their is no option for me to transfer or withdraw my funds ever.
Product: Money transfer, virtual currency, or money service

Problem : XXXX transactions from XXXX can not be traced to the actual account that money was deposited to. 

Background. 
Discovered in XX/XX/XXXX that my XXXX XXXX recipient did not recieve payments that were processed from XX/XX/XXXX to XX/XX/XXXX. The first payment was a {$1.00} ( which was a test for this system ) and the rest of the payments were {$1000.00}. She recieved notifications and accepted the payments via XXXX. Unfortuantely She never actually checked the account that the money was depositing correctly. This account was a secondary account and chase is not her primary bank. The account that she registered her XXXX account with was a savings account. She does not have a checking account through chase. Primary accounts have been checked to see if money was deposited in her other accounts but nothing was found. The discovery was found when Chase contacted the recipient because their account was inactive and was soliciting them for investment options. The balance was reviewed and then the discrepancy was discovered. 

Accounding to Chase customer service XXXX XXXX can not deposit into a savings account and should of returned to my account within the week. I have documentation that all payments left my bank account but never returned. I also have documentation that the intended account never received the XXXX payments. 

The issues that complicate this case is the age of the transaction and that the recipient closed the account when they discovered the issue because they longer wanted to deal with Chase.

My Chase branch manager and staff have done all they can do to try to resolve this problem but because of the age of these transactions they are limited in what they can discover. The Branch and I have found the online support unable to deal with an issue like this and did not seem to know how to escalate it. Someone from " Research '' left a message with a phone number and an extension. I called back many times but was never called back. My branch also called this extension and never received a call back. We have repeated this process several times with no success. 

I need to know if trully this money can not be traced and that I'm not just a victim of poor customer service outside the branch level. I have banked with Chase ever since they bought XXXX XXXX. I do everything through Chase. I have a house payment, my rental house payment, a truck payment, savings, and two credit cards all through Chase. If I can not recover this money then at the very least I need to know what exactly happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Should be good credit. Am denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc