23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate late payment accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). I believe these inaccuracies are a result of a late payment, and your agencys failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, ( CFPB Complaint # XXXX ). I submitted another complaint concerning an account on my credit report, citing late payments. I have followed all necessary procedures, including providing valid proof of address, ID, and Social, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. Should you fail to provide a method of investigation. I request that you delete the late payment recorded for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

It with 2 credit cards. Chase and XXXX XXXX XXXXXXXX. My identity was compromise in 2017. I didnt know until XXXX notified me, I discuss this with the credit company because I was paying for charges that I didnt even make. I said to close the account and because it wasnt making them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/11 I received a call from a debt collector asking about a past due balance from a company ( BMW Financial ) that Ive never voluntarily established credit with. It was later confirmed that someone used my personal information to establish credit without my consent.
Product: Mortgage

After completing necessary credit corrections requested by your loan officer XXXX XXXX I was granted an approval to purchase a {$210000.00} home with a VA Loan. A day before the closing day and seller vacating the property I was informed of judgments that would preclude me from purchasing home. I should have been informed of these judgments against me before I was pre-approved for home and definitely before the seller moved out of her home.
Product: Credit reporting or other personal consumer reports

I complained and disputed via mail to Equifax about the improper use of my credit report along with violating the fair credit act and several consumer laws ( 5 U.S.C 1681 SECTION 602 A. States I have right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent. ) It also states a consumer reporting agency can not furnish an account without my written authorization. I AM PREPARED FOR LITIGATION. This issue has also been reported to the better business bureau My personal information is incorrect ( all employers listed ), hard inquiries and a repeated charge off that says open and a collection.
Product: Prepaid card

I used my CashApp prepaid card to place a security deposit at XXXX XXXX. Each time in the past I have done this ( approx XXXX times ) it has taken XXXX weeks for the funds to make it back to my account. The last time it took 30 days to get my money back and the current time it has been XXXX  days so far. 

I did the exact same transaction with my XXXX card on the XXXX and had the funds added back to my account on the XXXX. 

It is not the merchant holding the funds. I have spoken with them multiple times. It is cashapp holding my money for a month without paying me any interest and against my wishes. 

Anytime I inquire or try to file a dispute they say I can't do anything because the transaction is pending. Which is bull. Even the vendor says they have completed it.
Product: Vehicle loan or lease

The issue is with Santander Consumer auto loan. I purchased a vehicle on XX/XX/XXXX and the finances amount is {$16000.00}. A few days later I sent a payoff cashiers check ( with vehicle information, year, model, make, VIN ) to Santander Consumer USA. After that, 3 days later I called to see if there was anything else owed on the vehicle and to make sure everything went through smoothly. Representative told me that my account is still processing but I shouldnt worry about anything since I had the VIN on the cashiers check, it would be applied automatically as soon as my account was created. Santander took over two weeks to create my account during which they were charging me interest daily. I could not pay off the loan even though I tried. Now they put additional {$200.00} worth of interest even though I tried to pay off my loan just a few days after it was created. Daily interest generated is {$5.00}. They charging me for 37 days worth of interest even though I tried to pay off the loan not even a week after it was created.
Product: Prepaid card

{$500.00} AMEX Gift Card can not be used anywhere online.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX  {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.
Product: Credit reporting

I XXXX asked Experian to update the phone number in my Fraud Alert in XXXX of 2014 and they did not do it. Both XXXX and XXXX XXXX did update the alert with my correct phone number ( XXXX ). Experian asks me to try their guessing game questions/answers of which they never match my actual data because I am a victim of Identity Theft. No one at Experian is able to help me. They ask me to re-upload, fax, mail etc. my ID and information to them. The info gets sent and they still do not update it. I am getting my credit denied for auto and housing because they do not have the correct telephone number in my fraud alert.
Product: Debt collection

The caller was yelling at me and continued to cut me off and kept raising her voice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my credit file with XXXX from this bank, dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have written to them to request documentation supporting permissible purpose, but have never heard back from them, leading me to believe that they either did not receive my letter, or simply chose not to respond. I currently have an open account with them, and believe that it was the former, as they have treated me very well. However, barring documentation supporting permissible purpose for these two inquiries, I would like to see them removed from my credit file.
Product: Credit reporting or other personal consumer reports

I was sick and out of work for 3 months I was late on the XXXX talked to XXXX XXXX XXXX about making an expedited payment they suggested XXXX XXXX made payment on XXXX they charged me a XXXX cent expedited fee send XXXX  an email of guaranteed certified fees they tagged my credit of being 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Equifax on XX/XX/2023 asking them to investigate the accuracy of my credit report. I sent a formal letter via USPS mail on XX/XX/2023 detailing the inaccuracy I wanted them to investigate. It has been over 30 days have I have not heard back from them or the creditor. Based on FCRA law and guidelines they are out of compliance for failure to respond to my request.
Product: Money transfer, virtual currency, or money service

In yet another XXXX occurrence from the company known as " XXXX '' sometimes moonlighting as First Data, or FISERV, these idiots have now erased all of my now 4 unnecessary XXXX accounts that they created, XXXX, XXXX, XXXX, and XXXX, but now this morning sent me a bunch of alarming emails indicating a credit card charge back from a former client, but now without the ability to see what the XXXX they are talking about, because as was stated above these XXXX  have deleted any & all data relevant to said " charge back. '' We have previously accused this recently merged merchant services behemoth of targeting me & my XXXX XXXX business because we have filed various/myriad complaints against their various corporate names/incarnations for foul, terrible, awful, bad merchant service, with such XXXX employees as XXXX XXXX & others , who we believe roam throughout the company sabotaging our business 24/7. Please investigate and advise.
Product: Consumer Loan

Key Bank sent a proposed arbitration provision to our Preferred Credit Line Agreement with an opt-out requirement, including that the opting out " must include the information set forth in the Arbitration Agreement, '' requiring borrowers either to make a copy or transcribe its proposed account agreement merely to preserve the existing account agreement. 

The proposed loan modification agreement was not sent by proper legal notice in New York State but was sent by First Class mail, postage prepaid, which makes the notice and opt-out provision legally dubious.
Product: Debt collection

The following accounts are not mine. 

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

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXXXXXX XXXX Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX I Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a Midland Credit Management , INC . They did not provide me with the original contact as I requested. 

This account also has my incorrect name as well.
Product: Credit reporting or other personal consumer reports

SAFE XXXX ACCT # : XXXX NATIONAL CREDIT ADJUST ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX ACCT # XXXX XXXX AFFIRM XXXX ACCT # : RQUN**** AFFIRM XXXX ACCT # : ILRY**** AFFIRM XXXX ACCT # : XXXX SYNCB/PPC ACCT # : XXXX AFFIRM XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX MIDLANDCRE ACCT # : XXXX XXXX ACCT # : XXXX JPMCB CARD ACCT # : XXXX CAPITAL XXXX ACCT # : XXXX OPORTUNPROG ACCT # : XXXX AFFIRM XXXX ACCT # : KRCF**** AFFIRM XXXX ACCT # : XXXX AFFIRM XXXX ACCT # : ICSD**** AFFIRM XXXX ACCT # : XXXX XXXX XXXX FIN ACCT # : XXXX FRSTFIN/FNBP ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX APOYO FINANC ACCT # : XXXX DISCOVERBANK ACCT # : XXXX
Product: Student loan

I have been on an income-based repayment plan. I submitted my application early for renewal but received no communications. When I called, I was told that they had not received the application from student loans.gov yet and would not for up to a month longer. I waited the month which put me close to the deadline and then called to be told that there was missing information. I had never been notified of this. I submitted the information, having been told that they would expedite the processing so that I would still make the deadline. They did not expedite the information and now I am being told I need to submit more information. I am now overdue with an amount I can not pay. I will have to pay fees and go into forebearance which compounds the problem of high student loam debt. If this was the first time I would consider it a mistake but this has happened every year I have applied for income-based repayment. Income-based repayment is the only way I can feasible afford this payment and feed my family.
Product: Credit reporting or other personal consumer reports

Could you ensure that any inaccuracies in my credit report, as mandated by FCRA 605B, are rectified? Some of the accounts listed are incorrect, which is unsettling.
Product: Debt collection

Daily calls throughout the day from Afni dating back to XX/XX/2021.
Product: Credit reporting

I am disputing hard inquires on my credit report because this is fraud and does not belong to me. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Someone got unauthorized access to my account and send money to them selfs I tried to call and get it back no one helped once its gone its gone is what they said
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing a formal complaint against Experian regarding their failure to respond adequately to my dispute submitted in XX/XX/year> concerning accounts inaccurately reported on my credit report. The accounts in question are charge-offs from XXXX XXXX, and XXXXXXXX XXXX 

Details of the Complaint : 1. I submitted a formal dispute to Experian on XX/XX/year>, specifically disputing the following accounts : XXXX XXXXXXXX XXXXXXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXX XXXX. This dispute was sent via certified mail, and I have retained the receipts as proof of delivery. 

3. I assert that these accounts are not associated with me, nor did I authorize any transactions or share my information with these creditors.

4. I did not grant written permission to the creditors or Experian to furnish, share, or collect any of my personal information, which constitutes a violation of my privacy rights as protected under federal law.

5. Despite my clear request, Experian failed to conduct a proper reinvestigation of these accounts, merely stating that they were verified without providing any supporting evidence.

6. I specifically requested validation of these accounts, which should have included : o A copy of any contracts bearing my signature o Correspondence Experian claims to have received from the creditors asserting that I owe this debt 7. To date, Experian has not provided any documentation to substantiate their claim that these accounts are legitimate or verified.

8. Under Section 609 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g ), I have the unequivocal right to request and obtain proof of the validity of any information reported about me.

9. The lack of response and failure to provide required documentation constitutes a violation of my rights under the FCRA, further harming my credit profile and financial stability.

10. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation of disputes ( 15 U.S.C. 1681i ), which Experian has neglected to fulfill.

11. Furthermore, the unauthorized sharing of my personal information violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ), which protects consumers personal financial information.

12. I am demanding the immediate removal of these inaccurate accounts from my credit report and confirmation that they have been deleted.

13. I expect a prompt and thorough response to this complaint, including documentation that details the actions taken to rectify these issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed a Synchrony Bank account ( reported via XXXX ) showing a balance of {$2200.00} and a charge-off status. The account shows a Date of First Delinquency of XX/XX/XXXX and a Last Payment Date of XX/XX/XXXX. However, this account was closed on XX/XX/XXXX, and I had no activity after that point. 

Despite my dispute, XXXX only modified certain fields but left the account reporting as charge-off with updates through XX/XX/XXXX, falsely extending the derogatory impact and re-aging the account. This violates FCRA 623 ( a ) ( 5 ), which prohibits changing the delinquency timeline to prolong reporting. 

I submitted a visual showing the inconsistencies, including on-time payments before and after the supposed delinquency. I am requesting that this tradeline be either deleted or corrected to reflect the true XXXX and stop future re-aging.
Product: Money transfer, virtual currency, or money service

Hi I am a WISE formerly TRANSFERWISE, customer from the US. I am sending this email because I didn't see any other way to communicate with WISE to get help. I have a lot to say but not enoughtime to get it all out. 

My issue, I can't reach anyone at WISE. My circumstance, my phone was stolen and I am in XXXX, I need to transfer money. I can not because Wise requires me to confirm using my phone. Every time I try to reach a help desk or someone to talk to I am asked to Login.I can login but then I'm asked to verify using my phone which is stolen. I have logged in several times but the only way I can communicate with anyone is by submitting a complaint. 
I just want to transfer money to pay my rent so I don't get evicted. I guess I'll have to use another service. 

Based on my experience there IS NOT a way to contact a representative at WISE though they claim to have customer service staff. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I was charged XXXX overdraft fees of XXXX for not having enough funds and Wells Fargo was still approving transactions. This has happened since XX/XX/2022 when I opened my account. When I spoke with them they were unable to help or reverse the fees
Product: Bank account or service

My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. 

The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America says I was 30 days late in  XXXX  2017. Please see attached payment history ( specific to account ending in   XXXX   ) from  XXXX  2017 to present showing on-time monthly payments.
Product: Credit card

on or about XX/XX/XXXX i received call from SYNCHRONY ask me to verification and sent copy of Photo ID and utilities bills and i did sent on XX/XX/XXXX and account still restriction for no reason on XX/XX/XXXX i called the customer support to resolve the matter but those very poor customer support in philippines are incompetent and untrained, i'm attaching copy of require docs
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my phone was stolen in XXXX, my phone was pass code protected, yet the person/persons who stole my phone were able to unlock it and get into my online banking and digital wallet. I was not aware of the transactions that were being made on my device, nor did I authorize anyone to make those transactions, I had only become aware of the unauthorized activity when an individual who I was traveling with, received a call from my wife, stating that she had received some calls from our family and friends that I was texting them that I was in trouble and needed them to send me money via XXXX XXXX At that time my wife checked our accounts and noticed the strange activity on our accounts, so she proceeded to call Wells Fargo online and alerted them and opened a claim. When I was made aware I called Wells Faro Online and had them deactivate my online banking and freeze my accounts. I filed a police report with the XXXX Police Department on XXXX XXXX. They used my digital debit card that was on my phone, they transferred money from my online savings into my two different checking accounts, they created a new digital card from a checking account that was never linked to my phone, and they added 2 new XXXX contacts and transferred money with XXXX. I have filed multiple claims with Wells Fargo, have gone into ( 2 ) Wells Fargo branches and had a banker call and help me dispute the claims, I faxed over the police report and did not receive confirmation that it was received, I have called numerous times and I am not able to speak to whomever is handling my claims. I just received letters stating that my claims were denied. I filed a claim with an executive and I never received a call only an email that my claim was denied. Only XX/XX/XXXX I received an email that one of claims was approved that a mistake had been made and it was reversed, I called about my other claims, yet I was told there were denied. 
All this was done without my authorization, knowledge, and by someone I do not know. Below is a summary what was done on my accounts : 1. ( 2 ) online transfers between my accounts one for {$5000.00} and one for {$6000.00} 2. 28 transactions using my digital debit card that was linked to my everyday checking account, of the 28 transactions 16 went through for a total of {$4900.00}. This claim is being denied. A part of this claim is a charge from XXXX that on XX/XX/2022 they determined that it was fraud. I have provided their email and response. 
3. A new digital card was created and a total of 11 transactions were made with all of them going through for a total of {$1000.00}. This claim was approved by the fraud department 4. ( 2 ) new XXXX recipients were added and they sent {$25000.00} to one and {$830.00} to the other. I have not herd back about this claim.