23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent auto trak several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
Auto trak states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX XXXX first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
Auto trak is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6400.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX  XXXX Balance : {$6100.00} ; XXXX  XXXX Balance : {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act American Express and XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumper plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX XXXX This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with zero ( 0 ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXX while I have paid and have my receipt. Transunion DO NOT PLAY THEIR GAME! They are probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Transunion update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning. As you can see, I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too, I have proof of everything I say. Again update my credit history how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything or anybody on this earth and the universe except GOD and he is by my side!
Product: Money transfer, virtual currency, or money service

I attempted to get gas through the XXXX app using my cash app card. XXXX put a hold of {$120.00} to attempt to pay for the gas. My current balance was only {$35.00}. Once it recognized I did not have the amount for the hold only {$5.00} was returned to me. I emailed was to inform them of the error and contacted cash app via the support chat in the application. I explained on more than one occasion that my {$30.00} was not returned. I received a confirmation email from wawa stating that the funds had been released. I was unsuccessful using the chat so I tried calling cash app support hotline. The first advisor stated they placed my dispute under review and I should hear something in 10 days. I waited 10 business days and I received no call back. So I called back tried to provide the case number the advisor was very abrasive rudely told me the transaction was canceled and when I was trying to explain my money had not been returned they hung up on me. I had to compose myself and proceeded to call again. The new agent started a new case for me with a new case number. This issue was initiated XX/XX/XXXX and Ive yet to have any assistance in getting my money returned. I also put in a dispute with regards to my account being compromised on XX/XX/XXXX and the amount of {$150.00} hasnt been resolved either. Im very hurt seeing as this is a platform I thought could be trusted but when it comes to trying to aid a customer in getting unauthorized funds returned there seems to be no sense of urgency or compassion for the customer.
Product: Money transfers

On XXXX XXXX, 2016 I sent a money transfer of {$100.00} to a friend who is starting a new job. It was supposed to be available in ten minutes ... I even got an email that confirmed it was available. On XXXX XXXX, 2016 my friend said he was experiencing problems getting the money. I contacted money gram to cancel the transaction and they told me that there was a security issue with the transfer and they needed to speak with the receiver to see if he was someone that was not allowed to use their service. 
Now, after two hours on the phone with them, they will not refund my money nor will they release it to the receiver. They say there is a government list that has the receivers name and they are trying to verify if he is the person of interest. While I appreciate the security features ... none of this was explained when I set up the account. I just want my full amount cancelled and returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX. XXXX XXXX XXXX : XXXX : XXXX XXXX : XXXX : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX .XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX : Transunion : XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

Bank refuses to give me information of when Ill receive my funds. 
Someone from the bank called me and sent me an email saying theyll respond within 48 hours. 
I called and emailed last Wednesday and its been 7 days and nobody called me back or give me any kind of information of when Ill receive my funds.

This is completely outrageous and unfair. 
Hard working money that I have employees and family depending on me and now I have to wait around how many weeks more until Im able to have access to MY FUNDS OF EARNED WITH MY HARDWORK AND SWEAT?
Product: Checking or savings account

I've been requested Capital One 360 provides the following information since the user agreement is spread around and we can not find the relevant information. 

If we do have disagreements, where we should go to solve the issues? Currently I can see the user agreement from the website indicates arbitration or courts, but I don't see the checking account dispute resolution. Please advice and send me the user agreement with related terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 we signed up to have our mortgage payments made through XXXX XXXX XXXX. After several months we received a letter from them stating that they could no longer do business because they were having a problem getting a bank to work with them. We then contacted our mortgage holder, XXXX XXXX ( Account # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ) and asked if they could take the payments out every two weeks. They said they could. They took the payments for a few months and then we noticed that we were being charged a late payment charge each month. We called to determine why this was occurring. The rep told us that it was because the second payment was arriving after the XXXX of the month. Well, we souke with a supervisor because their rep set up the payment schedule and should have noticed that would occur. Secondly, with a payment plan twice a month you shouldn't be stating that our payment was late. The rep we spoke with when we called stated that he would change the draw dates for the payments. He did not do that. He cancelled the one schedule of payments and never set up another. We were traveling and so never noticed that the payments did not come out. Since we were camping, in most locations we didn't even have access to wifi. When we finally returned home we got our mail and had several letters saying we were in default on the mortgage! When we called the second representative told us they would have to investigate and not to make the payment until they figured it all out. Once they fixed the problems they removed all late charges and said they corrected our credit report. They did not. They had been reporting us 30,60 or 90 days past due. What they did was then report the account as current, but never did remove the reports of being 30,60 or 90 past due. At one point we were actually two weeks ahead in our payments. Have written several letters but get a form letter in return saying they can not correct the information because it is accurate but the issue was caused by their representatives. Even though the information is technically accurate, if someone actually took the time to read through the notes in our account they could see tthe whole picture. We are not getting any assistance by trying to deal with the mortgage company and the credit reporting agencies keep reporting a " serious delinquency '' which we assume is the mortgage issue, however, when contacting the credit reporting bureaus, nobody will explain to us what the " serious delinquency '' is on our reports. They all simply send us ANOTHER copy of our credit report. We have about 20 copies of our reports and we can't see ANY serious delinquency except the 30,60, or 90 days past due being reported by the mortgage company. I am a XXXX veteran, retired from the XXXX, My wife is also a veteran of the XXXX. We shouldn't have to be spending our time, hours on end, trying to fix this issue ) When a company services VA loans they should be respectful of the customers they are serving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters in great detail to Equifax on many occasions disputing the following items : XXXXXXXX XXXX XXXXXXXX ; CXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Account number listed on credit report ; XXXX XXXX XXXX XXXX XXXX No Account number listed on credit report [ XXXX XXXX XXXX IS REPORTING TWICE! ] XXXX XXXX XXXX XXXX XXXX [ ALSO REPORTING TWICE ] for violating one or more of the following : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. ( Including Equifax ). A representative of the CFPB responded to me in writing putting " VERIFIED AS REPORTED '' next to each item that I disputed, meanwhile NONE OF MY MATTERS WERE ADDRESSED! I would like to see the information that was allegedly provided to verify these accounts because I certainly informed you that I do not consent to E-Oscar. Please mail that information to me! Also regarding my previous complaint, why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting? You do understand that no consent equals identity theft, right?! Why did no one address the fact that I requested original contracts and original disclosure forms that these companies allegedly have on file, and I never received them! Why did no one address that XXXX, Equifax, and XXXX are furnishing completely different information for the same accounts! How am I to believe anything that is being reported with XXXX proof?? Why are these companies reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct? Why has no one sent me a full-accounting ledger for these accounts as I requested???? Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB! YOU, the CFPB are the supervising authority over the CRA 's, yet, you are not enforcing any laws ; why is that??? To this day, none of the disputed companies provided me with ANY legal and irrefutable documents baring my unique signature. I have expressed that my right to privacy is being violated by multiple entities, and you, the CFPB, is not doing anything about it. I should not have to keep going through this! Federal law states that my consumer report is to be 100 % accurate and truthful, and it is NOT, AND IT HAS NOT BEEN!! Your blatant disregard for fairness, privacy, and accuracy is obvious! This is mere willful noncompliance! Congress states that the behavior I am experiencing by you impedes the banking system and undermines public trust. I have experienced tremendous mental anguish and injury due to these matters. Not only that, I have been unable to obtain new credit, and these matters have caused an extreme amount of difficulty for myself and my family. Please reinvestigate these matters. Again, I do not consent to E-Oscar.
Product: Credit card

I opened my Bank of America Business Credit Card in XXXX of this year. It came with a promotional 0 % APR. I have been trying to set up auto-pay on my account since my first statement in XXXX. I have spoken to about a dozen customer service agents about this issue ; many of them gave me bad information about why I was unable to set up auto-pay for my business card. They also gave me incorrect instructions on how to set up auto-pay. To this day, on XX/XX/2023, I am still unable to set up auto-pay. I am told that I should have the capability when my next statement is processed in the following week. Most other financial institutions make this process much more simple and intuitive. This is the most difficulty I have ever experienced in setting up auto-pay. These difficulties in setting up auto-pay have made it difficult to pay my credit card bill in a timely manner. Furthermore, I thought that my 0 % APR was valid for 12 months. However, I discovered an interest charge on my XXXX statement. I called Bank of America to request that this interest charge be refunded, considering the circumstances. BofA declined to refund the interest charge. I have subsequently reviewed my emails and credit card statements and I don't see any information about when my interest rate was scheduled to change, nor did I receive any notification in email or on my statements to inform me that my interest rate would be changing in a coming billing cycle. This information is included in other monthly statements from other financial institutions. I have spoken to two customer service agents and one agent from the hardship department about the interest charge and they all say that the request was reviewed and declined. These difficulties and the unwillingness to refund the charges under the circumstances leaves me not wanting to use my BofA Business Credit Card or any BofA services for that matter.
Product: Checking or savings account

The Standard Overdraft Coverage is confusing and opaque. In particular, a payment to XXXX XXXX in the amount of {$400.00} was paid, despite being returned twice prior to this, and despite an ACH request from the same company in the amount of approximately {$190.00} being returned at the beginning of last month. The agent was unable to provide any info on why it was paid other than advising it was a " systematic decision. '' The agent also made it difficult for me to remove the coverage, including the use of acronyms I was unfamiliar with.
Product: Mortgage

After losing my job XX/XX/XXXX, I had trouble paying my mortgage.I tried since XX/XX/XXXX or XX/XX/XXXX to get a loan modification with US BANK.Everytime they would keep asking for more information, sometimes duplicate.I always submitted it but it was never moved forward .Finally in XX/XX/XXXX or XX/XX/XXXX, I gave up on the modification and filed Ch XXXX bankruptcy XX/XX/XXXX.The loan with US BANK was not re-affirmed.On XX/XX/XXXX, I made a partial payment of XXXX to US BANK and re-applied for a loan modifcation.My bankruptcy was finished on XX/XX/XXXX.I have since been continually giving them updated info since XXXX XXXX spoke with XXXX XXXX on XX/XX/XXXX and he told me they reqiured yet addditional info! After recieving the new info, I e-mailed it to him on XXXX the same day, i was served with a summons about forclosure! No matter how much I give them, the modification never moves forward, even though they assure you it will! I am now on XX/XX/XXXX from my employer.I can make the mortgage payment ( preferably ) reduced, I just need help catching up on the arrears.I am desperately trying to save my home.
Product: Debt collection

Two collections appear on my credit report as of XX/XX/2017 that are the result of identity theft..I 'd theft report has been filed with ftc and submitted to provider..XXXX XXXX XXXX XXXX and collection agency and dept is still being reported in violation of fcra
Product: Mortgage

On Friday XX/XX/XXXX I contacted loan XXXX XXXX XXXX with Profund Mortgage LLC in XXXX at XXXX to refinance my mortgage.He gave me a verbal quote and said to make loan application on line which I did.His quote was as follows : loan balance of {$190000.00} with 2.75 % for XXXX year term with no lender fees. 
XXXX told me he had over 10 years of experience in the mortgage industry. 
On Monday XX/XX/XXXX I follow up with XXXX but he was sick. On XX/XX/XXXX I provided him with all information he requested including tax returns for 2 years, insurance, bank statements for 2 years etc. He send me the loan estimate with the above terms as promised. 
On XX/XX/XXXX XXXX sent me the the loan estimate and other documents to sign electronically.To my surprise the loan estimate to sign were different than the original one. 
The new terms were as follows : loan amount had been changed to {$190000.00} and lender origination fee was now {$3300.00} instead of zero. 
Once I contacted XXXX he immediately changed it to the original terms and said it was a " computer glitch ''. 
On XX/XX/XXXX I provided XXXX XXXX with my credit card information to charge the appraisal fee. 
On XX/XX/XXXX XXXX XXXX called to notify me that he could no longer do the loan with the terms already signed and rate locked on the loan estimate. He then referred me to his XXXX XXXX XXXX who basically said the same thing. 
They could now offer me a new loan with a higher interest rate with no lender fees. 
What is a written loan estimate worth if no one is holding the lenders firm to their commitment? 
My personal situation did not change in those few days. My XXXX XXXX is XXXX, loan to value in the property is 50 %, great income with no debt. The ideal borrower. 
How can a lender do business like that? I call it bait and switch and this should be taken seriously. I would stay away from this unscrupulous lender.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have numerous debts from this collection agency on my credit reports but I am not aware of them only that I went to hospital but I'm not sure of the totals that this company is saying I owe I never got a chance to validate the debt. And I'm experiencing a hardship right now due to losing my job related to the coronavirus. The company name : WAKEFIELD AND ASSOCIATES Last reported XX/XX/2022 {$1000.00} Open balance XXXX XXXX XXXX Original creditor WAKEFIELD AND ASSOCIATES Last reported XX/XX/2022 {$1100.00} Open balance XXXX XXXX XXXX Original creditor & also these Last reported XX/XX/2022 {$1000.00}, Last reported XX/XX/2022 {$710.00} Last reported XX/XX/2022 {$950.00} Last reported XX/XX/2022 {$650.00} Open balance XXXX XXXX XXXX Original creditor A total of 6 different collections please help. 
Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.