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

I've been working with XXXX XXXX from One Main Financial. I am trying to get a personal loan from this company. XXXX XXXX advised me due to my credit I would have to take insurance on my loan in the case I defaulted on the loan. I paid {$250.00} on XX/XX/year> through a wire transfer to a XXXX account for XXXX XXXX Once that money was received I was then advised I had to pay another {$500.00} for XXXXXXXX XXXX transfer taxes. Once that was said I realized I was being scammed. I requested both XXXX XXXX and/or XXXX refund me my {$250.00}. I was told they couldn't. XXXX XXXX said he would look into the matter and get back. Spoke later on XX/XX/year> to XXXX XXXX who advised they couldn't refund my money since it was completed but he would work with me about {$500.00}. He said that if I paid the {$500.00} they would gift me {$500.00} more on my loan to cover this charge. I told him no that I thought it was a scam. XXXX XXXX said he would get back with me in sbour XXXXXXXX XXXX It's been XXXX hrs and no calls. When I call him he doesn't answer. I've called my bank and there's nothing they can do to refund me my money. I've called One Main Financial consumer XXXX and they advised there is no XXXX XXXX that works for them. I have XXXX XXXX 's cell number and XXXX XXXX ID if needed. I've been scammed out of {$250.00}. I just want my money back.
Product: Credit card

I am writing to provide additional information and request further escalation of my ongoing complaint against Chime Financial Inc. and XXXX XXXX, XXXX. Despite Chimes claims in their recent response dated XX/XX/XXXX, that a {$200.00} credit was issued and transferred to my account, this remains untrue. Moreover, Chime has now claimed that I owe a balance of {$1100.00} on my Credit Builder account, which is entirely inaccurate for the following reasons : Key Issues : 1. {$200.00} Dispute Credit Still Unavailable : - While Chime asserts that the {$200.00} credit was issued on XX/XX/XXXX, and transferred to my checking account, my bank statement clearly shows no such credit was made available. The funds were posted as a credit memo but were not added to my accessible account balance. 
- I have attached my XXXX bank statement as evidence, which contradicts Chime 's claim that the credit was transferred to my checking account. 

2. False Credit Builder Balance : - On XX/XX/XXXX, I received an email from Chime stating that I owe a balance of {$1100.00} on my Credit Builder account, due by XX/XX/XXXX. This is impossible, as the Credit Builder account is self-funded and can not incur debt. All transactions are prepaid using funds in the Secured Deposit Account. 
- Chime 's contradictory messaging ( acknowledging the account is self-funded while simultaneously claiming I owe a balance ) is misleading and appears to violate consumer protection laws. 

3. Previous Claims and Unresolved Issues : Claim # XXXX : Opened on XX/XX/XXXX, for the original {$200.00} ATM withdrawal issue. 
Claim # XXXX : Reopened after Chimes initial denial of the dispute. 
Claim # XXXX : Follow-up regarding the unresolved {$200.00} credit. 

Each of these claims reflects Chimes failure to provide a timely or satisfactory resolution, prolonging an issue that should have been resolved months ago. 

Violations of Federal Regulations : 1. Regulation E ( 12 CFR 1005.11 ) : - Chime has failed to resolve the {$200.00} dispute in a manner that ensures the funds are accessible, violating the Electronic Fund Transfer Acts requirements for prompt error resolution.

2. Regulation Z ( 12 CFR 1026 ) : - By inaccurately claiming I owe a balance on a self-funded Credit Builder account, Chime may be in violation of the Truth in Lending Acts provisions for clear and accurate disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX XXXX, I was told by Synchrony Bank Collection Agency that once I settled and paid all my negative accounts they will removed all of the negative accounts from credit report. XXXX - XXXX I made settlements payments XXXX Settlement Payment of {$1700.00} for my Synchrony Ashley Furniture Account . 
XX/XX/XXXX - Settlement Payment of {$1000.00} for my Synchrony Home Furniture Account XX/XX/XXXX - Settlement Payment of {$690.00} for my Synchrony Care Credit Account XX/XX/XXXX Settlement Payment of {$850.00} for Synchrony PC Richard 's Account I've made four settlement payment to Synchrony. However, once they recieved my payments they did not remove all these negative accounts from my credit report. I called Synchrony numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said they would do and to please remove this negative account from my credit report because Im currently facing financial hardship due to the XXXX Pandemic. I am XXXXXXXX XXXX  Im very sick and I need to downsize and move into an affordable new apartment ASAP, but these negative accounts charge off are affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Synchrony dispute department and collection agency regarding this issue and still I'm not getting any help. Prior to making my settlement payment I spoke to Synchrony Bank collection Dept. called XXXX  managers numerous times regarding my accounts and request for deletions and I was told these accounts will be removed from credit report. I ' m very hurt that Synchrony dispute dept. refused to help me. It's like once they receive my settlement payments they did not care about my current financial hardship. I feel it's not fair that I have to suffer like this and for 5 long years I struggled to pay these account off due to my financial hardships when finally settled this account with them they did remove these items from credit report. I reached out to Synchrony dispute department by phone and certified mail begging and pleading for them to help me. I even reach out to all three credit beau 's and did numerous disputes against Synchrony Bank but they could only do so much to help me. Even though I filed numerous disputes against Synchrony denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. This issue is preventing me from moving forward in my life. I've been a Synchrony Customer since XXXX my account was in good standing until I lost my job back in XXXX and I could not pay my monthly credit card accounts. Now I feel like an unvalued customer. 

I'm facing financial hardship due to XXXX I'm desperately need these negative accounts removed from my credit report. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC, XXXX XXXX, XXXX you XXXX credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all 3 of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports Equifax Information Services LLC, XXXX XXXX, XXXX PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to XXXX. XXXX. XXXX XXXX Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate information!!!!
Product: Debt collection

The company keeps calling my job and harassing me. I can not receive personal calls at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. XXXX  has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

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

I disputed these accounts on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 by letter, and with the CFPB electronically on XX/XX/2023 which is currently marked as closed and verified for these items. This means you are required to updated the report showing your completed investigation reports and proper statuses. I am showing below that these accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau.

I am showing that the bankruptcy information that is being reported is inconsistent across bureaus. They have completely different court names & different filing dates. These were verified as accurate in the investigation you completed.

Furthermore, all of these accounts there is one account that Equifax in specific is not reporting " included in bankruptcy. '' This is a major violation that should have been done corrected from the start, if you concluded your investigation throuroughly. Now, you no longer have the chance to correct it. You need to delete these items. 

These inaccuracies are all serious violations of the FCRA and consumer rights of accurate reporting to my credit report. 

As a result of the negligence of your investigation not being done properly, & the numerous attempts I have made to ensure my information is being accurately reported, please delete these accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Product: Debt collection

Thanks in advance for taking the time to hear about my situation. In XX/XX/2023 I purchased XXXX from a company called XXXX XXXX XXXX and got on a monthly payment plan for the treatment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did the treatment and to my surprise they were right because afterwards it definitely XXXX XXXX XXXX The one thing they didn't mention on the front end is how after the treatment your teeth is constantly trying to shift backwards to being misaligned again. Because of this retainers are a must to prevent this from happening and in the faq page they mention that retainers must used in some way, shape, or form for the rest of your life to maintain your smile. I only had one pair of retainers which suppose to last 6 months. XXXX XXXX  went bankrupt and I have no access to retainers or any kind of treatment from that company anymore. The payment process for the treatment was through another company called Healthcare Finance Direct ( hfd for short ) who claimed I still had to pay for the treatment in full because the treatment was completed. But even though it was " completed '' in 4 months because a retainer is needed to maintain the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And since XXXX XXXX  can't offer anymore retainers the treatment will be undone so I think its unfair to continue to pay for a service they promised to be lifetime guarantee but now is completely gone. HFD says I must keep making payments or they will send my debt into collections affecting my credit score which is something I also think is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has sent me a letter stating they verified a bankruptcy chapter XXXX with XXXX. I reached out to lexis nexis about this alleged verification and XXXX  XXXX  has no records of this matter. Therefore, Equifax lied. They did not do any proper investigations on this matter. I am currently waiting for the letter from XXXXXXXX XXXX to use as proof that there was no record of bankruptcy found. To also show proof that Equifax went against the fair credit reporting act only to defame my character. Attached is the letter from Equifax. i will be reaching out once again once i have all my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint with Experian stating the correct address that should be on my credit report. They removed the incorrect address. I just checked my experian report this morning and the incorrect address is back on my credit report! I have attached my up to date drivers license with my address that should be listed on my credit report. The address listed on my drivers license is the ONLY address that should be listed on my credit report. I do not have access to the mailbox of the address they continue to add to my credit report. Also according to 15 USC nothing should be added to a consumers credit report without consent and signature of the consumer! 

I also filed a complaint with CFPB on XX/XX/2022 disputing experians reinvestigation of an inaccurate account listed in my credit report! They closed the disputed stating that the account has been verified. They did not do a proper investigation of the dispute! 

In accordance with the Fair Credit Reporting Act : 15 USC 1681 & Fair Debt Collection Practices Act : 15 USC 1692, XXXX XXXX XXXX, Account # has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions and consent.
Product: Debt collection

these collection agency has not provide validation information under 12 cfr 1006.34 ( b ) ( 5 ) but yet they place a collection on my consumer report.

I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) collection agency is violating my consumer rights by false misleading, misrepresentation and deceptive means. 

collection agency has no authority to furnish any accounts to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006. 34 ( d ) and 15 usc 1681-S 2 ( 7 ) ( a ) the companies are - ( CKS PRIME investments XXXX original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX COLLECTION AMOUNT {$590.00} ( XXXX XXXX XXXX XXXX- original creditor XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX COLLCTION AMOUNT {$2000.00} XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX COLLECTION ACCOUNT CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX DATE OPEN XX/XX/XXXX COLLECTION AMOUNT {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DATE OPEN XX/XX/XXXX AMOUNT {$1900.00} I AM DISPUTING OWNING ANY AND ALL DEBT TO THEM AND ALSO REVOKING ALL RIGHTS OF THEM COMMUNICATING WITH ME THROUGH EMAIL, TEXT AND CALLS ALSO REQUESTING DEBT VALIDATION, REQUESTING THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORINGINAL CREDITOR, ALSO REQUESTING THAT THEY FURNISH PROOF THAT THEY ARE LICENSE AND BONDED.
Product: Credit reporting or other personal consumer reports

I had a mortgage loan with XXXX XXXX XXXX  with a paperless statement, online portal, and autopay. In XX/XX/2023 due to insufficient funds in my bank account, the auto-pay bounced. I haven't been notified about a bounced payment, nor about past due payment either : by phone, mail, email, text, voice-mail, or online customer portal. 

I am attaching screenshots of the website, showing that the account is in a good state. 

XXXX XXXX Bank failed to notify the client about a transaction that didn't go through. 
XXXX XXXX XXXX  displayed misleading information on its customer service portal. 

Furthermore, in XXXX, XXXX, and XX/XX/2023, I requested economic disaster assistance from the XXXX XXXX XXXX, due to being severely impacted by COVID-19. As of today, XXXX XXXX XXXX  failed to respond to my request. Instead, XXXX XXXX XXXX  reported me late for 2 more months- XXXX and XXXX, which I did my best to pay, however, the payment bounced, so I had to make another payment. XXXX XXXX XXXX, again, hasn't contacted me about the bounced payments. 

I requested XXXX XXXX XXXX  to remove the late pay reporting on credit bureaus, as they failed to properly inform the client about a payment issue.
Product: Checking or savings account

Received the following text although I do not bank with Wells Fargo. Seems and obvious phishing attempt and should be stopped. Text from XXXX ( XXXX ) XXXX. 

WellsFargo : Debit Alert. AcXXXX Blocked Due To Recent Trans. Visit www.wells-groups.com/? wf To Remove BIock
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these items that are not mine and i want them to be removed from my credit. 



XXXX 1. Identity Theft BK OF AMER Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine.
Product: Credit card

Purchased a timeshare with XXXX XXXX and the sales representatives overstated the income. Unkowningly to the client, the sales representative added the income of each spouse to the individual credit card application, overstating each applicants annual gross income by approximately {$50000.00}. The entire purchase transacations was then chanrge to XXXX cards opened up that day.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 150 financial loss, and I seek appropriate redress for these violations.