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

I have sent several disputes about XXXX XXXX XXXX reporting a different last activity date from other credit bureaus. A collection does not require age. I also asked for verification of a signed contract with my written signature for proof of debt. I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company convergent and their right to collect. I have a {$0.00} balance with convergent and this account is listed as A XXXX write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to convergent and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that convergent has a legal right to collect. I also do not owe convergent and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to convergent. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off. 

It is within my rights under the XXXX to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
Product: Credit reporting

Experian keeps putting Security alerts or Fraud Alerts on my account WHEN I HAVE NOT REQUESTED THEM TO DO SO. They are doing this because I keep asking for verification of items on my credit report and they are not abiding by the law. They want to tell me to check with the original creditor and that is not how I understand it works. If this credit bureau is going to report information that is negative and directly impacts my credit score it is up to them to investigate and furnish me with proper documentation that they are reporting the correct information. I will submit a complaint daily if I have to in order to get this company to do as they are required to by law. They are refusing to provide me proper physical documentation stating that what they are reporting is complete, accurate and verifiable. Instead they keep stalling, asking me to go to the original creditor and when i do they refuse to provide documentation. So if section 609 of the FCRA is supposed to keep the bureaus honest it is failing. Experian is refusing to obey the law. I am demanding that they remove all Fraud Alerts from my file and stop placing them on there to avoid doing their job. These guys are hurting me, I guess I have to get an attorney and sue them and ask a judge to make them supply me documentation of what they are reporting. Just to take the word of a creditor does not meet FCRA guidelines. I am demanding that they remove the alerts and provide me physical proof of what I have written them about or remove the negative items immediately and stop playing games. I am sick of getting their stall tactic letters in the mail. If you oversee their reporting then someone needs to fine these guys each time they violate the law. They do not have sufficient proof to put fraud alerts on my Credit nor sufficient proof to keep listing Negative information against me SO REMOVE THE ITEMS AND FRAUD ALERT IMMEDIATELY AND STOP PLAYING GAMES WITH MY CREDIT FILE. THERE IS NO LAW THAT EVEN SAYS YOU HAVE A RIGHT TO COLLECT AND REPORT ANY INFORMATION AGAINST ME. YOU ARE FRAUDS AND THIS NEEDS TO STOP IMMEDIATELY.
Product: Checking or savings account

I opened a new checking account with U.S. Bank so today I went into the branch and made it {$300.00} cash deposit. I downloaded the app that they have on available for the XXXX when I open the account two days ago so today after making the deposit I tried to send a XXXX payment for {$200.00}. The app kicked me out and then they disabled my online account no warning no email when I called customer service they told me that their securities and fraud team put a hold. But I can not speak to anyone in the securities fraud department. Any other bank will ask you to verify information. Confirm some information then remove freeze or alert. So I feel this is extremely poor and unprofessional customer service. U.S. Bank tries to say that they take security serious and I told them all banks do and that dont have the same problem with the larger banks like XXXX or XXXX XXXX XXXX Ive sent money many times via XXXX with XXXX XXXX. If theres any concern, then you can actually speak to someone in the securities and fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Fed loan account has been reporting inaccurate late payments for XXXX, XXXX, XXXX, and XXXX in XXXX. I have disputed these inaccuracies and they have not responded to any of my disputes
Product: Debt collection

In the month of XXXX my husband contacted Hunter Warfield collections in regards to an account that appears on our credit report. The company referred him to their legal department ( XXXX XXXX ) stating they are only the ones that control this account. My husband spent two days attempting to contact some at XXXX XXXX. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation by the company. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of injuries I acquired from an on the job slip and fall, I was placed on XXXX leave in XX/XX/2019. That same month I made contact with XXXX XXXX XXXX   XXXX XXXX notifying them of my interuption of my employment and pay. They sent me forms for medical verification of my injuries and treatment. These were filled out and submitted by my doctor and myself and were faxed to XXXX and XXXX. Every month My XXXX account was showing not paid, I would call and was told that it was being processed. Finally in XXXX of 2019 the account received a balloon payment of {$150.00} to cover payments for XXXX, XXXX, XXXX, and XXXX. But my credit report shows 4 late payments to this account, indicating that the account was 120 days late in a payment being made. Prior to this period I had made all my payments on time. XXXX had even given me a {$300.00} increase in XX/XX/2019 necause of my excellent payment history. But because of XXXX 'XXXX delay in paying my account, my credit report shows 4 late payments and a credit line reduction of {$300.00}. After a year of XXXX making only minimum payments to my account, I resumed making the payment to my account on time and paying off the balance in three straight months of payments. I did what I was supposed to do and my credit is taking a hit because XXXXXXXX did not make the payments on time. I have been disputing this account withe credit bureaus and with phone calls to XXXX, who says I have to dispute with XXXX, and XXXX who says that I have to dispute it with XXXX. Both are the same entity. Every dispute reply is " meets the requirements '' and nothing is done to correct the problem. My credit is damaged by their delay in payment even though I paid for this account protection plan when I opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate accounts and personal info on my report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error. 
The attached payment confirmation from the creditor further supports my position that the payment was made on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Comment or Question/Tell Us Your Story : On XX/XX/2023 I called chime customer service to verify the daily withdrawal from the ATM. I spoke with a who claim that he would help me and said he can increase the limit per day. I informed him that all I need to know is the amount that can be withdrawn from the ATM. The call did not seem right so I disconnected the call. I then received a callback from the same number XXXX 's. I answered the phone and it was a guy claiming to be the chime customer service XXXX ( XXXX XXXX and he said that my account was deactivated and my cards were frozen due to the call being disconnected and they can reactivate the account by sending the information to the department that can handle the reactivating and it would take no more then XXXX mins. I sat there literally watching them take the money from me in the amount of {$2600.00} that was every dime I had. I filed a dispute with chime and they keep denying it. I filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I moved out of rental in XXXX  on good terms and was given the all clear and turned in keys. I was later billed for issues that were preexisting before I moved in, during hurricane Laura the roof was ripped off and they are billing me for damages that were cause by the storm. I do not owe anything I left in good standing.
Product: Payday loan, title loan, or personal loan

I received this email saying this : XXXX XXXX Thank you for showing your interest in the Loan with us LENDING USA and this is the confirmation Email to let you know that the loan application has been approved Please call us back on our number or reply to this email so that we can call you and explain the terms and condition of this loan. 



Also we have mentioned below the monthly installment plan for the loan of amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installments. 





To know more about monthly installment plans for this loan amount please call us back on the number below. 



Furthermore, we would like to share that once the loan is transferred into your account the first monthly installment will be due within the first 30 days on the date you will give the authorization for. 



For more information you can get back to us on our number given below or reply to us on this email. 



We look forward to hearing from you. 



Please find the attachment. 



Thanks and regards, XXXX XXXX Sr. Loan Officer, LENDING USA XXXX phone number : XXXX ( XXXX ) XXXX XXXX LENDINGUSA So when I called to the main office they said that my loan doesn't exist and to report it because a lot of people are getting scam from this same person.
Product: Checking or savings account

My company received a call from Citizens Bank regarding a possible fraudulent check they received via atm deposit for {$17000.00}. We verified that it was a washed check that had been cashed by the original payee, stolen and then reissued to a person who deposited it through an automatic teller. This occurred on XXXX XXXX, XXXX. These funds were not applied to the individuals account by Citizens who was holding this money until proper disbursement could be verified and made. 

We completed the necessary claim paperwork through our bank ( XXXX XXXX  in XXXX, CT ). That paperwork was forwarded to Citizens Bank Fraud Dept. We were told it could take up to 90 days to process. We began inquiring about the resolution in late XXXX but XXXX XXXX  was told the claim was not in Citizens system. XXXX XXXX  personnel have forwarded this claim multiple times without receiving a confirmation of receipt until XXXX XXXX, XXXX when they were finally able to get a case number assigned to it. ( # XXXX ) We are going on 22 weeks without closure of this claim. What can be done to return the {$17000.00} that is sitting with Citizens Bank? I'm expecting that our claim will continue to be lost so that Citizens can not be held accountable for failure to process timely. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been in dispute for a very very long time. Wells Fargo is refusing to provide me with a simple report showing : 1. The date they received my payment.

2. The amount of that payment they received. 

They are trying to pass off a report that shows a " Transaction Date '' as a " Date they received my payment date ''. When I pointed out I wanted a " Date they received my payment date '' they said a " Transaction Date '' and a " Date they received my payment date '' was the same date. Then they finally agreed they were not the same date. Then they said they do not have to provide me with a " Date they received my payment date ''. His name is XXXX XXXX and his phone number is XXXX. When he refused to provide me with this information, I requested to speak with his superior, XXXX XXXX. He refused to allow me. Every time I call Wells Fargo, they send me to XXXX XXXX and then he tells me I can not speak with his superior. When I call the Executive Office, I explain to them that I do not was to speak with XXXX XXXX, they put me on hold and send me to him anyway. This has gone on all day today .... at least 30 calls. THen I requested XXXX XXXX to call me and XXXX stated she would call at XXXX XXXX  today and now it is XXXX.
Product: Checking or savings account

Hello This is regarding the very first complaint I filed on USAA. After the President contacted me he left a message on my phone regarding the reversal and re crediting of the XXXX back on XX/XX/XXXX. They gave the money back to me after speaking with you several times and them contacting me stating they worked things out by recategorizing the dispute. I still never received the merchandise from XXXX XXXX and it was never sent back out. I uploaded statements from the usps oig as well to support my statements and today someone made a banking error and re reversed it the 2 nd time Again. After it was fixed by higher personnel. I need assistance in this matter and would like to speak with the President cause they told me it would be given back. This should not have occurred. Attached is a copy of my banking all you have to see is how they rereversed it 2 times on the ledger. It is regarding the XXXX XXXX package I never received and that was also reported sent back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called XXXX XXXX to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the XXXX XXXX company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that XXXX XXXX had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX
Product: Debt collection

I owned a property XXXX XXXX XXXX XXXX XXXXXXXX PA for may years and had it rented. During these years I paid the required housing permit fees and business privilege taxes on my rental receipts. In XXXX I sold the property on a long term agreement of sale and notified the city that the property was sold. They reviewed the contract ( for a fee ) and approved the sale and understood it was no longer a rental property and I would no longer be required to pay these fees. In XXXX I received a letter XXXX indicating that I had not paid privilege tax or permit fees since XXXX and issued a bill which included past fees and penalties. I reminded them of the letter which they issued to me in XXXX and provided it to them. All of this was done in the same department XXXX, but with different employees. I spoke with everyone, except the Solicitor XXXX who did not return my calls or emails ) and was told " we changed our policy ''. My response is and always has been, they could change the policy on new transactions, but my contract was already exempt. Needless to say, this fell on deaf ears and they have continued to bill me and have sent this to a collection agency. My credit has been damaged badly and I seem to have no recourse. I settled on the property after the buyer made his last payment at the end of XXXX, but I still am fighting XXXX on this. Attached is the letters XX/XX/XXXX exempting me from the fees, the letter XX/XX/XXXX trying to collect past fees, the statements from the collection agency, the most recent letters from the collection agency and XXXX indicating that I still owe the fees, and a page on my credit report showing the collection and my otherwise perfect credit. This has cased me great harm, I can not get the same rates or credit that I should be entitled to. Please help me with this problem. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke wit h Equifax over the phone on  XXXX / XXXX / XXXX  about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security  XXXX . Medical procedure was covered, and this was dismissed from court last year,  XXXX .  XXXX   XXXX  is the debtor. They have no claim to this charge as it was fully released. I have proven this with all   XXXX   credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left  XXXX   XXXX  as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on  XXXX / XXXX / XXXX  for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days.