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

On XX/XX/2020 I initiated a transfer of {$50.00} from my UI Way2Go card to my XXXX XXXX  account. I entered my XXXX account routing # and account # on the Way2Go online banking site. On XX/XX/2020 transfer in the amount of {$50.00} was posted cleared. The {$2.00} transfer fee was charged and posted to my account. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Cleared - this is the transaction information my Way2Go account has posted in my transaction history. 
I contacted my XXXX XXXX  after waiting days and not seeing my funds being added. XXXX stated their company does not support incoming wire transfers established outside of the XXXX XXXX. Also stating the transfer would have been immediately rejected and sent back. XXXX said they have no record of any transactions or requests. I have repeatedly called the way2go customer service line spending hours talking to the automated phone system and never able to speak with a person. I am unsure which company posses or where my funds are. XXXX 's customer service has been very polite and has been trying to assist me to no avail. The Way2Go customer service hasn't respond to any emails, and hasn't been available over the phone. XXXX XXXX  hasn't responded to any of my inquears as well. 

Conformation # XXXX The transfer amount was {$50.00} The Transfer fee was {$2.00} Chime online banking is backed by XXXX XXXX Way2Go Card system is backed by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted an email to Consumer Portfolio via their website to inform them that I wanted to voluntarily surrender my vehicle due to mechanical issues that I could not manage financially. I included in the email that the vehicle was located in North Carolina ( not my state of residence ) .I was contacted by a representative from consumer portfolio the next day ( Monday ) gathering more details and also confirming the details I including in the initial email. The lady said its unfortunate that this has happened because I had just made a large payment. She said she will forward the information and I will receive a letter letting me know when the vehicle will be auctioned and my remaining balance. At that time I could make arrangements to settle the balance. I agreed and we ended the call. I then received a letter in the mail stating the the vehicle was repossessed due to nonpayment which ultimately incorrect. I reached out and was told there was no paperwork submitted for a voluntary surrender and I replied none was given to me. This is now being reported credit with false information and adversely affecting my credit score and ability to purchase my home.
Product: Debt collection

XXXX this debt collector continues to call my place of employment after I told them ONLY contact me through writing after asking them to verify an validate this debt due to me not having any contact with in writing they first called my cellphone multiple times after I blocked them they somehow obtained my job number an have called it at least 3 occasions while I was there after I repeatedly told them not to as we are not allowed person calls An they continued to do leaving messages stating they needed to speak with me regarding a business matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed four collection accounts on my credit report with Equifax dating back to XX/XX/2020 as the date of my first dispute to Equifax. I never received a response within the 30 days allocated to a credit reporting agency to respond to a consumer once a dispute has been filed. By law, because Equifax failed to respond to me in over 120 days, the disputed items are suppose to be deleted/removed from my credit report. 

Today I called Equifax because they sent false & extremely misleading information to the CFBP in response to my complaint about their severe lack of urgency in following the guidelines & laws put in place by the FCRA when it comes to serving the consumer by failing to comply within a timely manner. I was told my complaint was closed with an explanation. When calling for the explanation, the agent told me the complaint was in fact still opened & they would not even give me the curtesy of communicating the results to me. They said that is left up to the CFPB which is absolutely unacceptable. Equifax has had well over 120 days from my first dispute filed to investigate & have not done so. Even after four letters & a complaint from the CFPB, they continue their erroneous behavior which is severely hindering me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian did not help me remove the account after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the account as my responsibility but they didn't..CFPB step up and remove student loan XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I checked my credit report and noticed a charge - off from XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.
Product: Debt collection

I have previously requested validation and verification of an item listed on my credit report. The collection company ( as well as the credit bureaus ) have failed to produce any documentation that was requested. Copies of their response are attached. A copy of a " balance sheet '' does not accurately constitute verification. There is no accounting of the original agreement, no accounting of any payments or the dates payments were made, the interest which had accrued or any late fees assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report thru XXXX and noticed I had a collection account for {$26.00}. I called the collection company listed on my report XXXX XXXX XXXX to find out about this {$26.00} that was in collection and was told that XXXX XXXX XXXX XXXX was filing the complaint for XXXX XXXX XXXX XXXX said I owed {$26.00} dollars from a emergency room visit in XXXX. I filed a dispute and called the collection agency XXXX and told them I never received a bill for {$26.00}. from XXXX XXXX. I told them I had XXXX insurances and I never have a balance for medical care. It turned out that they only filed my XXXX and XXXX and didn file XXXX for XXXX which pays whatever is left over from XXXX and XXXX which was the {$26.00}. They took the XXXX billing information and said they would file it. 
I thought everything was taken care of until today when I checked my credit report to see my score had dropped from XXXX to XXXX because of this collection of {$26.00} and another acct. for {$79.00}. XXXX never took this off in spite of my constant calling them. 
I need help in Equifax removing this as it never should have been on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for the Jet Blue card from Barclays Bank over 90 days ago. And to date, the card has not been issued to me. I have complied with all of the requirements, and sent over the documents requested numerous times, given that I have an extensive fraud alert on my credit. 

The documents requested are in the attached letter and have been faxed over to them on the following datesXXXX ; XXXX ; and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
Product: Debt collection

I have this collection on my credit report from XXXX despite never having used their services. I disputed the debt through XXXX but the company verified it even though it cant possible be my account money is owed on. 
Account Name ERC XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX
Product: Checking or savings account

XXXX dollars over draft fee on XX/XX/2025 XXXX return fee on XX/XX/2025 and it goes on by navy federal credit union like Im a single mom
Product: Mortgage

On XX/XX/XXXX I was informed that a mortgage I had applied for from RealFi Home Funding Corp. was clear to close. I signed a closing disclosure on XX/XX/XXXX. The loan officer I had been working with, XXXX XXXX, left the company before the closing date, so RealFi had me resign some forms that replaced XXXX XXXXXXXX XXXX name with XXXX XXXX, the COO of the company on XX/XX/XXXX. I advised them that closing was on XX/XX/XXXX and I was assured that there would be no issue. On closing day, XX/XX/XXXX, RealFI failed to submit paperwork to the closing attorney on time prompting me to call them. I learned that not only was RealFI unprepared to close on that day, but they were more than a week behind schedulewhich would cause me to be in breach of my purchase contract on XX/XX/XXXX.
Product: Credit card or prepaid card

I learned this morning, XXXX XXXX2018, that my TD credit card XXXX had been cancelled in XX/XX/2018 by TD Bank for fraudulent transactions! But I had never been notified by TD Bank as to said transactions and had never been notified by TD Bank that my said credit card had been cancelled! This even though I have been making monthly payments on said credit card both by USPS and in person at the TD Bank branch in XXXX, New Jersey XXXX! Nor was I sent a new credit card!
Product: Debt collection

I was recently XXXX  with a chapter XXXX XXXX of XXXX from this debt of {$49000.00} with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Claim number XXXX They have now referred this XXXX  debt to another collection agency " XXXX XXXX located in XXXX attempting to garnish wages and income taxes. I have contacted this company with the discharge letter from the state Trustee " XXXX XXXX of XXXX  and they are still reporting me late and currently owing after proving my discharge, in addition they have SOLD this debt to another company who is attempting to garnish wages. I became ill dependent and unable to finish paying this debt acquired on XX/XX/XXXX. These people refused to honor documents and continue to report me late and now have sold a XXXX DEBT to another collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Transactions are not included in the report and the request to is to remove late payments from my transunion, XXXX, XXXX consumer report.
Product: Checking or savings account

A check from XXXX, # XXXX, for {$13000.00} was deposited into our Wells Fargo checking account on XXXX. On XXXX, Wells Fargo informed us that the check was returned unpaid and that the money had been deducted from the account. We notified XXXX. It said the check was not returned and that their records show it was paid. I filed a complaint with Wells Fargo explaining that XXXX said it didnt return the check and asked Wells Fargo to investigate. I received a letter from a Wells Fargo Escalated Complaints Specialist regarding our case XXXX, which basically just apologized that the deposit wasnt completed. I dont believe he bothered to research the problem at all. Nobody is claiming to have the money, but it has to be somewhere. We really need someone to find it.
Product: Credit reporting

I disputed a collection account ( XXXX ) reporting to Transunion and I asked them for validation of the account ( original document with my signature ) and they said that the account was verified. I also asked the collection agency for validation and they sent me what appears to be a screenshot of a bill that does not belong to me. Transition has not provided to me any proof of validation of this account, only saying that it was verified which is unsatisfactory.
Product: Debt collection

I was having automatic payments taken out of my bank account from XXXX. I lost my source of income, and called to have automatic payments stopped. The payment was still taken out and overdrafted my account. I had my lawyer involved, who had it taken care of from the bank 's side, but i still have XXXX in my collections. I stopped these payments and do not feel like i owe them anything. This was also several years ago, and happened just before my family of XXXX had to be rushed out of the house we lost to back taxes, which them caused my dad to have his XXXX. My family was enduring major hardship at this time, as well as me being told that i owe money i should not have to owe. I did my part, and i cancelled the payments.
Product: Consumer Loan

I leased a vehicle from Autotrakk in 2013. It was to be a one year lease. I never received a copy of the lease. I was told by the auto dealer that Autotrakk would send it to me. The lease is up and I made arrangements with XXXX, XXXX, XXXX and others in collections to bring the car back to the dealer. However Autotrakk sent someone to repossess the vehicle. The repo company they sent left several threatening notes on my door and breached the peace by opening my door. I notified Autotrakk and they said they would call the company they use. I finally left the vehicle at the dealershi as agreed. Autotrakk sent me a letter saying they were going to auction the car on XXXX XXXX. The whole process with Autotrakk was mostly illegal. They installed a tracking g system without my knowledge and charged me for it. What I would like to see done is for Auttotrakk to not call this a repossession on my credit report because this is what the promised. The police was called because of them breaching the peace and they came to the house. I should be able to get the vehicle back because of this breach. There are to many people at Autotrakk passing the ball. I 'm not asking for the vehicle back I am just asking for them to honour their promise to accept the car back and not list it as a repossession. The agreement was for me to pay {$28000.00} and be settled with them.If the credit department can not do this the only other thing I can do is to sue for damages for the violations. Breaching the peace. Physical and emotional. I have the threatening letters and voicemails Autotrakk left. I did not receive any certified letter regarding how to get my belongings Although XXXX XXXX said she mailed it XXXX XXXX.the person they sent out to get the car name is XXXX. 
Resolution : Autotrakk needs to pay for the violations. They can do this by working with me so I can pay the XXXX and not have it reported as a repossession.because what they did was unlawful. That is what collections promised.
Product: Credit card or prepaid card

I have a direct express card that I receive my Social Security benefits online. 

I had to dispute the charges which I notified them two weeks ago and they have not submitted me the form to submit the fraud and to request the interiocredit telling me investigation
Product: Consumer Loan

I have contacted Santander USA regarding surrendering my automobile. What I receive instead is harassing calls ever since. The calls have gone to my employer even though I have spoken to them daily about picking up the automobile.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX