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

Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX  {$520.00} 12 XXXXXXXX XXXX XXXX XXXX {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I contacted Wells Fargo Dealer services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called Wells Fargo Dealer services today and they state that the accounts are closed and with zero balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I carefully reviewed my ChexSystems Report and disputed inaccurate information, specifically regarding a XXXX XXXX XXXX  account that was closed on XX/XX/XXXX, and charged off for {$210.00}. 

On XX/XX/XXXX, ChexSystems sent me the results of their " reinvestigation. '' Upon reviewing these results, it is evident that a proper reinvestigation was not conducted in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Additionally, ChexSystems did not provide the documents I requested. Instead, they verified the information as accurate by sending me a driver 's license and what appears to be an outdated application from XXXX XXXX XXXX  dated XX/XX/XXXX, which I have no knowledge of, accompanied by an expired driver 's license. 

As a result of this ongoing issue, I was informed by a XXXX XXXX representative that my application to open a brokerage/checking account with XXXX XXXX was denied due to the negative information being reported on my ChexSystems report XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX and XXXX o be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment on XXXX and XX/XX/2018 on XXXX XXXX ACCOUNT # XXXX .The information is incorrect .I have the account in autopayment .Iwas never late on my payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Transunion informed I could not access my credit report online and I wanted to dispute 3 XXXX XXXX  inquiries that are fraud. I was advised a ticket was put in and in 24 hours Id receive a call. I never received the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my information was compromised.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. 


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Product: Debt collection

I have been paying on this debt of {$1700.00} since XXXX. I had a financial hardship and was unable to pay after making five payments of the verbal agreed amount {$140.00} and a sixth payment in the amount of {$100.00} which gave a total of {$800.00}. The firm filed in the courts and a stipulation was agreed upon to continue the payments as agreed only difference being this time it would be withdrawn via ACH. A stipulation was emailed to me, which I signed and sent electronically as agreed for amount of {$1700.00} and court cost of {$340.00} which would be a total of {$2000.00}. I've paid to date {$2000.00} and should only have a balance of {$21.00}. I went to check the account on their site today and saw an outstanding balance of {$960.00}, I immediately contact the firm via chat and was told to call in. I called and after holding for 20 minutes, I was told by the Rep that the reason for the balance shown was because I didn't signed the Stipulation. I have prove where that Stipulation was signed and emailed on XX/XX/XXXX at XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account valuable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTRA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I Disputed many time the validity of this account I have asked for proof that this is my account which I have yet to receive ( billing statement is not of form of validation ) I am asking that this be removed from my report as it is being reported by different companies and the date of the account being opened is being re aged which is illegal I have attached copies of how it is being reported thank you.
Product: Bank account or service

On XXXX while paying bills via the online bill pay service connected to my Wells Fargo checking account I in advertently paid XXXX {$2000.00} instead of {$220.00}. I went to the bank the next morning at XXXX am when they opened to rectify the situation. They told me it was too late - just call XXXX. On XXXX XXXX, I received a call and an email from XXXX to let me know that they returned the entire sum to my checking account. My checking account has still nit been credited with the funds and the banks response - every day is " we can see that the money has been returned but we ca n't tell you when it will be back in your account. Today is XXXX XXXX. This is both ridiculous and dishonest. This is my money - not Wells Fargo 's money. How can I get my money back?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023. I noticed a collection from XXXX XXXX XXXX. I have reached out to the credit agencies to dispute this collection to no avail. This is not my debt. I have impeccable payment history and have always been in excellent standings with all of my accounts. This collection has affected my credit report tremendously. I am asking for you all to please look into this account on my behalf. Thank you in advance
Product: Credit card

At XXXX EST on XX/XX/2024, I received an email from Wells Fargo stating that my credit card had been turned on as requested by me by phone. I never requested my card to be turned on as I leave it locked. I called Wells Fargo at XXXX EST ( on the same day that I received the email ) and reported the situation. After being on the phone for almost an hour with the Account Takeover team, after demanding that I speak with a Supervisor ( she said her name was XXXX XXXX, I explained my situation and was told they would " look '' into it. However, I wasn't given any confirmation or case numbers that could assure me this situation is being addressed. My concern is that someone was able to access my banking information and Wells Fargo did not follow proper protocol to verify my legally protected personal identifiable information. I told them that they were supposed to record all conversations and verify me by sending a code to my cell phone to confirm my identity. There is no way this protocol was followed and I need a full investigation into what and how this happened ASAP.
Product: Debt collection

I was first contacted by Machols & Johannes in XXXX. I disputed the debt and asked for clarification of the debt which I never received. I was not notified to appear in court and a judgement was done against me for wage garnishment of more than {$1000.00} dollars per month. The garnishment was taken out 3 times in XXXX ( I was told I owe XXXX dollars from an old debt in Kansas from XXXX ) then the garnishment stopped. In XXXX XXXX the garnishment started again and a judgement was again done against me for wage garnishment. Again I did not get notified to go to court.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out my formal complaints to Experian, XXXX, and XXXX regarding the incorrect information that has been reported on my credit reports after sending out my round two disputes on around XX/XX/XXXX, Everything was sent out with a copy of my drivers license, social security number, utility bills, my name printed and my signature all sent certified mail. I received some letters back stating it was missing this information then received letters stating that my disputes have been received. I feel as though the credit bureaus are stalling to provide me with the requests that I have made or refusing to delete the inaccurate information based off the information. 

It has been well past the 30 days allowed for the credit companies to supply me with the information requested.
Product: Debt collection

I paid XXXX XXXX  in full and first collection services is retaliating against me for paying g the creditor
Product: Debt collection

Recently ( XXXX ) spoke with XXXX at IQ data international regarding a debt to a property. Tried to start making some type of payments towards balance. Representative was harassing me about making a payment right then and there as well as telling background personal on my end to give me money to make payments. Tried calling again today ( XXXX XXXX ) spoke with him again. He was asking what my paydays were and why I picked a specific date to make a payment. He insinuated I was trying to lease which I why called. He also called me from a spam risk number telling me to make a payment which he gave me a week to think on this payment. Also told him I had a roommate so he states the balance is on both our credits. He states either party can make a payment in order to be removed which I do not think is fair
Product: Checking or savings account

Since I opened an account with them I would constantly have over draft fees and anonymously charges on my account.
Product: Mortgage

I filed for a refinance loan with Quicken Mortgages. We discussed fees, appraisal and PMI insurance. I was told that my mortgage processing fee would be {$100.00} and I would not need an appraisal. When I reviewed my costs, there was a {$900.00} loan processing fee and {$600.00} appraisal fee. When asked I was told that I would need the appraisal and there would be a {$500.00} good faith application fee. My home on XXXX is valued at over two times my current loan value and I believe XXXX is low as the square footage is wrong. 

The lender will have the home appraised at way below market value so they can charge PMI insurance. The appraiser will come loaded with the proposed loan value and guess what, this is where the appraisal ends up. How do I know this? because this has already happened to me. once the appraisal is done by the lender 's choice, you are unable to argue it. It is a scam between the lender and the appraiser so they can they increase their fees and payments. Why is the homeowner not allowed to get an appraisal done, why is this controlled only by the lender?
Product: Credit reporting or other personal consumer reports

On about XX/XX/XXXX I sent via Mail to Equifax, all the evidence I had in support of having my account with XXXX XXXX removed from my Equifax report. I also sent along copies of my XXXX and XXXX reports where this account was removed already. I attached evidence of my attempts to resolve the matter legally, and included lawyer correspondence, a demand letter, and a police report. The litigation specialist at XXXX agrees that I was the victim of fraud by the tractor dealer who sold my tractor and then did not pay off the XXXX loan. I believe that this account should no longer be on my credit report since the collateral for the loan was fraudulently sold ( converted ) and then the business refused to disburse funds to pay off the loan. I stopped payment on the loan so that XXXX could proceed with XXXX/foreclosure actions and attempt to recover the asset. XXXX deleted this account from my report in XX/XX/XXXX. Equifax, after 5 attempts, has failed to do so, and this blight on my credit is causing hardship in my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information on my Experian credit report, but Experian is not investigating. I sent a letter to them on XXXX and they keep saying that this information is accurate even though it is not. They told me to contact the creditor, well I did that and they did not investigate either and I am concerned that they are overlooking this issue even though they are supposed to conduct a reasonable investigation. I have reminded them of the FCRA, but they still violated it and are still reporting inaccurate information.
Product: Credit card or prepaid card

Sir, I purchased phone on XX/XX/21 from XXXX XXXX XXXX XXXX order # XXXX {$210.00} .Item old model & Return approved by seller & provide me XXXX prepaid return level. I return XX/XX/21 Received by seller Trunking # XXXX XXXX XXXX XXXX XXXX XXXX Proof attached. 
But I called many times XXXX XXXX  XXXX phone XXXX XXXX for refund money to PayPal credit. I disputed to PayPal credit card also but Cust. Support many times They are also not solved my problems. Whats wrong I dont know Thats why I need your help & investigation to take action to XXXX XXXX XXXX to refund {$210.00} to PayPal credit card. PayPal credit card is not helping I provide trunking Nos for proof of return item.
Product: Debt collection

I received a collection notice from Credence resource management LLC of XXXX Texas in the amount of {$670.00} the amount was for Ambulance transportation by XXXX XXXX XXXX on XX/XX/2023. I responded that i have never been in or transported by XXXX on or around those days. I asked that they send me proof that i was transported by this company and they sent me a bill from the company that had my name as the person that was billed but a different person as the patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and I have these inquires on my report XXXXXXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The inaccuracy in my credit report does not allow me to buy a house ( I am the father of XXXX children ), buy a car at reasonable rates, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

2. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX a consulting client requested if she could pay me with her credit card via PayPal a total amount of {$6000.00}. I own a consulting company and we're managing a project for her team. This was a payment for independent contractors on the contract. She requested I send a request being that she could not easily find my account because I do not use PayPal in general for business. 

I received the payments split in two installments. After being charged 3 % in fees I was charged another {$25.00} to direct deposit transfer. I attempted to transfer the remaining {$1300.00} but the system said I was over my weekly limit. 

I left this alone and waited until the next day. Only to find out my account was blocked due to violation of the user agreement. In return I : 1. Reviewed the entire user agreement and found no violations on my part 2. Called the PayPal customer service requesting to file an appeal and find out why this happened. 
3. I was assured by the agent I would hear back from them in 3 days. 

I called today XX/XX/XXXX, close to XXXX and was able to connect with an agent. He explained the following : 1. My account was reviewed on the 2nd and finalized. 
2. They would hold my funds for 6 months 3. I could not refund the funds back to my client 4. They could not and would not tell me what the violation on the agreement was 5. I had no recourse to defend myself or provide any additional information that may clarify the issue itself 6. I was informed that it was a risk issue I explained on that call that : 1. I was not selling on PayPal, a client requested that I receive her payment through Paypal because she was going out of town and could not get to her bank branch in time. 
2. These funds are meant to pay contractors working on a contract for my company. 

The agent apologized profusely and was transparent enough to share that there is intentionally no disclosure of the issue by the company and there is no recourse to me as a client to defend myself or overturn their decision and treatment. Not too mention I was permanently banned from using the service. 

They are currently holding {$1300.00} in the account which is needed to pay independent contractors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. XXXX and Equifax report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased an XXXX online from a social media marketplace. XXXX, XXXX, and XXXX denied the payment due to high level security protocol. The scammer, XXXX XXXX, knew that XXXX through other banks ( not XXXX ) did not have any safeguards and therefore, steered me toward using XXXX. The transaction went through and the scammer gave me a fake tracking number. I have reported to XXXX and XXXX both of which found the transaction to be authorized. The transaction amount was {$450.00} and I received no product in return. After the transaction I communicated my apprehensions to XXXX XXXX and he replied that the phone has already been mailed. He then blocked my ability to communicate with him,