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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that was in fact paid on time and one of the inaccurate payments were during XXXX. I also noticed each credit bureaus ( XXXX, TransUnion, and XXXX ) reported different inaccurate information regarding the same account. The consumer reporting agency need to report all information with complete accuracy. 
The CARES Act, passed in XX/XX/XXXX, included provisions aimed at protecting consumers ' credit scores during the pandemic. I have attached a copy of my report from XXXX on the following dates, XX/XX/XXXXXXXX XXXX XXXX XXXX I am requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to Paid On Time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report This inquiry was not authorized please remove this from my credit report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Money transfer, virtual currency, or money service

So what happened was that I was trying to send money to my sister on cash app of XXXX dollars on XX/XX/year> I reported it to cash app to see if they could do anything about it. But, all they said is that they couldnt do anything about the money that I needed to request the money back the person that it got sent to doesnt even know me. So of course whos going to send XXXX dollars back when they dont have it themselves. Im writing this complaint against Block the company of cash app to finally get things resolved. I also had another occasion that I order pizza thru cashapp and it took XXXX dollars from my account also and made my account go negative. I made a complaint to cash app but nothing was really done till I got a hold of XXXX XXXX! I dont think I would like to continue banking with them if all this keeps going on. I hope this helps other people as well in showing that cash app has been corrupt for what they do and we all deserve better results in banking with them. To whom it may concern Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by the DRS ( Debt Recovery Solutions ) about a debt with a payday loan company ( XXXX XXXX XXXX ). I have never used such a loan company. I requested documentation for the debt XX/XX/XXXX. I repeated my request for supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XXXX with no supporting documentation provided. 

On XX/XX/XXXX I contacted the original owner of the debt directly. They informed me they had not been contacted for additional information about this debt by DRS. Further they informed me the money was paid to an account at a bank I have no accounts with. I confirmed this via phone call with the bank ( XXXX XXXX ). Also my credit report lists no account in my name with this bank. 

I disputed the collection with the XXXX major credit reporting agencies. XXXX reported that DRS " CERTIFIED '' the debt was valid and declined to remove the item in collections from my credit report. 

Finally today after XXXX months DRS agreed to remove the item in collections from my credit report. 

I have been trying to get credit established for a new home construction project while this has been ongoing for the last 2 months which has delayed the start of construction. 

I feel DRS conduct during this time was not in good faith. Their failure to provide information and address my concerns regarding this collection has cost me time on my construction project and time away from work and other obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been having ongoing issues with my Experian credit score since XXXX of 2020. I have contacted the customer service team multiple times in XXXX of 2020 and XXXX of 2020, my latest interaction was on XXXX XXXX and I was giving different response on how to handle the situation and it has yet to be resolved after I have done everything possible on a consumer level. My credit score has not been updated, although there has been several changes in my credit since then like my credit card utilization has decreased, my car note payment has decreased and collections have been removed but still showing on my Experian credit and no one can answer why its not updating. I have mailed copies of my social security card, drivers license, bank statement etc and Im still stuck with being told they dont know why its not updating and not sure when it will.
Product: Payday loan, title loan, or personal loan

I had received an offer for a personal loan  from Wells Fargo,  which is the bank where I have an open active account since   XXXX  . I went to apply for a personal loan of {$10.00}, they told me at the bank during the application process that I ha d a credit score  of  XXXX  and that the system was reporting a 9 % of interest for my loan but the decision was still pending so I need to wait a few days.. after 4 days they call me back to ask for my legal status, which is   XXXX   XXXX  . That same day I received a phone call from my personal banker informing that  Wells Fargo was rejecting my application due to my legal status. I would like to file a complain for disc rimination because I have all the conditions to have that loan but just due to I 'm not a permanent resident in the USA i was n't given the opportunity of that personal credit. And on top of that now they hurt my  credit score for  nothing!!!!
Product: Debt collection

The amount of the debt is not accurate due to cramming charges added by XXXX.
Product: Debt collection

Statement on Identity Theft and Lack of Response from Creditor I am filing this complaint due to identity theft affecting my credit report and a lack of response from National Credit System regarding my requests for debt validation. After identifying suspicious activity, I took immediate steps to dispute these inaccurate entries and requested debt validation from the company, following standard protocols. Despite my efforts, National Credit System has not provided any response or supporting documentation to validate the debt and has not removed the disputed entries from my credit report. 

These unresolved inaccuracies are affecting my credit standing, and I am concerned about the ongoing impact of this identity theft on my financial health. I kindly request the CFPBs assistance in ensuring that National Credit System complies with the Fair Credit Reporting Act by addressing my dispute and removing these unauthorized entries from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

We opened an Amazon Prime Credit card through Chase Bank in XX/XX/2018 because of a promotion that would allow us to buy a couch worth {$1000.00} for about {$800.00}. We purchased that couch on XX/XX/2018 and it was shipped XX/XX/2018. The couch was paid for in one payment and we immediately called to cancel the card prior to XXXX. My wife and I had the understanding that Chase Bank received and processed the cancellation as we both distinctly remember receiving a couple of letters trying to get us back on board with using their credit card. 

Seven or eight months ago, my wife and I received a curious letter which appeared to be from Amazon Prime but did not have matching contact information nor did the logo appear to match prior statements that we had from them. We called to ask why we received a letter about owing some money, and we were told that our account was closed at the beginning of the year after we made our one time payment for a single purchase. I called Chase bank just to be absolutely sure, told them about the letter, and they told me the same thing to disregard this as spam. We did exactly that. 

A little over a week ago I received a letter from XXXX XXXX XXXXThat I had been sent to collections for {$350.00} because of a debt with Chase bank. I immediately called my branch and spoke with XXXX the XXXX XXXXXXXX, Who took the XXXX account number from the letter I had and said that this debt was real and in conjunction with Amazon Prime. She looked it up and said that that resulted from unpaid credit card fees, late payments fees, and interest. This is very concerning considering we have canceled the card at the beginning of the year after paying it off in one payment. XXXX said she was going to print out some statements for me to pick up at the bank branch later, and I have those statements now. 

An additional issue has begun today. I have started receiving phone calls from XXXX in XXXX Florida. There have been several calls to my phone from this number just this morning, and not one single voice message. I had my friend Who is well-versed in computer technology do a search on this number. According to XXXX, this number belongs to Chase Bank collections department. According to XXXX notes, people report receiving dozens of calls from this number a day, some have noted that it is an automated message from Chase bank. Personally I do not respond to an identified collars, or computers that call me, when there is no voice message left as an explanation. 

According to the statements, the only thing Chase Bank did after my request to cancel the Amazon Prime credit card, is open up a new one with a new account number without my knowledge or consent.
Product: Credit card

I signed up for an account and added automated payments. The payments I setup were double the minimum amount. I have only received XXXX emails from this company since signing up but the payment continued to come out of my account. last week I received a email stating I owned over {$2000.00}. After doing my research I found out my promo was up in XXXX with less than {$500.00} left to payout. f I had not received anything from them until now. I called to try to get this straighten out and the customer service agent we rude and dismissive however they did inform me that another {$1700.00} was added to my {$500.00} and there was no way to go back and pay of the amount even though I had not been receiving any statements to know it had run out. I researched further only to find that this company is know for these types of antics. I have tried to work this out with XXXX different reps from this company and all of them were either rude or did n't care to help. There has to be some law against what they are doing to customers.
Product: Credit reporting or other personal consumer reports

For over a year, I have been denied access to my TransUnion credit report, despite multiple attempts to resolve the issue directly with TransUnion. Each time I call, I am told that my request is being sent to the " maintenance department '' due to an error, and I am instructed to wait several business days before calling back. However, this cycle has continued for over a year without resolution. 

Most recently, on XXXX, I spoke with XXXX XXXX, a supervisor in the Special Handling Department, who provided the following case details : TransUnion Case Number : XXXX ( first rep gave me this number ) TransUnion File Number : Discrepancy XXXX Business Days XXXX ( XXXX gave me this one ). 
Despite being told to wait another five business days, I have no confidence this will lead to a resolution, as the same response has been given to me repeatedly over the past year. I have spent countless hours on the phone trying to correct this, but I am still being denied access to my own credit file. 

Being unable to access my credit report prevents me from verifying its accuracy, checking for fraudulent activity, and ensuring my financial records are correct. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I request an immediate investigation into this matter and demand that TransUnion provide me with full access to my credit report without further delays. I also request a written explanation from TransUnion regarding why this issue has persisted for so long.
Product: Credit reporting or other personal consumer reports

Account : XXXX  XXXX Account number : XXXX On XX/XX/year> i got incarcerated. I was released on XX/XX/XXXX! During my incarceration, I was a victim of burglary someone broke in my vehicle and stole my phone and wallet. With access to my wallet, they used my credit cards without my permission. I reached out to XXXX XXXXXXXX and filed a dispute but was unsuccessful. Im unhappy about this because I was a victim of fraud and unauthorized purchases on this account
Product: Credit reporting or other personal consumer reports

Dear Experian, Subject : Formal Dispute and Notice of FCRA Violations To Whom It May Concern : I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report. 
These accounts were previously disputed and subsequently removed due to their fraudulent nature. Their reinstatement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information. 
The credit bureau notifies the consumer within 5 business days of the reinsertion.

As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts.

Request for Immediate Action I request the following actions be taken within 5 days of receipt of this letter : 1. Removal of the fraudulent accounts from my credit report.

2. Provision of all documentation used to verify the accounts accuracy and legitimacy during the reinsertion process. 
3. A formal response acknowledging your compliance with this dispute.

Notification of Escalation If the above actions are not completed within the required time frame, I reserve the right to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Pursue legal action under FCRA Sections 616 and 617 for willful or negligent noncompliance, seeking statutory and actual damages of {$1000.00} per violation, as well as attorneys fees. 
This dispute pertains to the unlawful reinsertion of previously removed information on my credit report. Under Section 611 ( a ) ( 5 ) ( B ) of the FCRA, I am requesting that this matter be resolved, and the information permanently removed from my credit report, within 5 business days of receipt of this letter, as required by law. 
This letter is being sent via certified mail to ensure proper documentation. I expect prompt and thorough attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage company " loanDepot '', which collects monthly escrow for my property tax payment was supposed to make the property tax payment on XXXX XXXX, 2016 to XXXX XXXX Treasurer. They did not make the payment. I had called them twice and was told that they will make the payment prior to them transferring the servicing of my mortgage to another company on XXXX XXXX, 2016. Instead " loanDepot '' transferred my escrow balance to the new company ( XXXX XXXX ) on XXXX XXXX, 2016. I called the new company and they said they will put a note to pay this property tax bill which becomes delinquent after XXXX XXXX, 2016. I checked the XXXX Treasurer website today ( XXXX XXXX ) and my property tax payment still has not been made. That is 5 days away.
Product: Checking or savings account

On XXXX XXXX Chase Bank fraud protection team called my partner about two separate transactions on my debit card. I went ahead and took the phone from my partner, and told the fraud team XXXX dont recognize the {$1500.00} transaction on XXXX XXXX to XXXX and {$940.00} from XXXX XXXX XXXX to XXXX as well to the same individual. The fraud team went ahead and contacted the merchant while I was on the phone and canceled the transactions. After he filed a claim on my behalf, and closed my debit card so no more transactions could go through. On XX/XX/year> the transactions on XXXX was attempted again three times but, my card was canceled so it declined. I went ahead to call Chase Bank again to let them know I didnt make the two transactions I mentioned above and they credited back my account. In advance, Chase sent me a secure message on XX/XX/XXXX, that theyre going to reverse my fraudulent transactions because information they got from the merchant XXXX XXXXXXXX XXXX I logged into my Chase app on XX/XX/XXXX, and my {$940.00} was reverse due to the letter they sent me that I didnt even notice until that date. I called the bank to ask why and they told me that the merchant had so called proof I was the one who made the transaction. I battled with them for around thirty minutes and then hung up and went ahead to call XXXX XXXX. They recognized my name because the hacker or whoever made the transaction made it under my name. I told them I didnt make that transaction and they kept asking me for a tracking number. I went ahead to let them know how would I know the tracking number when I wasnt the one who made the transaction? I asked them if they can give the location of where the transaction was made they told me due to security purposes they wouldnt be able to release the information without a police involved. I went ahead to file a claim with XXXX XXXX and calling the police to make a report. Chase Bank and XXXX XXXX is at fault because there supposed to check identification before any money can be send out of persons account I would like this to be investigated.
Product: Debt collection

NOTICE this attorney is indirectly engaged in a illegal debt collection action and identity theft. I am the consumer creditor as defined in 15 usc 1692 A3, 1692 A4. The company is in violation of federal law including a communication issue, 1692C a-c, and failing to obtain prior consent nor expressed permission to communicate about alleged debt, after filing complaint with CFPB, a cease and desist, and notice of dispute to this entity and the entity XXXX XXXX XXXX. and representatives. Shell point Mortgage Servicing responded that the account will be updated to cease. However your documents with the register of deeds is another violation of Federal Law 1692D 1,2,3. I am a victim of Identity Theft, and your company and others have use unauthorized information to report and open accounts. I demand you withdraw your documents and in 7days obtain sworn, under penalty of perjury, verification and validation of the alleged debt1692G a, b, or the consumer will presume that 1692C c-1 has been invoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX and Equifax concerning acct # XXXX. They stated that the account is accurate and varified but XXXX did their investigation and deleted it from my account. I have been trying to get XXXX  and Equifax to please remove this from my account as well. I attached the document that shows XXXX deleted this from my credit report. This is hindering my ability from obtaining credit.
Product: Debt collection

requested debt validation from jefferson capital after they sent me written notice that they were a debt collector on behalf of XXXX XXXX XXXX. I asked for validation of debt or proof of debt owed to them. They were unable to do so and did not send any kind of contract that i had with XXXX XXXX XXXX  or proof that jefferson capital had a contract with me to pay them. They called numerous times i requested that they stop calling me and send me proof of debt and they did not they just continued to send me bills and report on my credit report
Product: Credit reporting

I received a notice that a XXXX account had been sent to collections under my name. I have never opened an account with XXXX nor have I ever authorized or co-signed for anyone else. I tried multiple times to obtain information from XXXX to see when this account was opened and to what address and have gotten nothing. The first time I called, the agent hung up on me after I asked to speak with a manager. The second time I called, the agent that answered simply remained quiet when I asked her questions. She literally did n't say a word until I hung up. I 've called four more times since then and I have been hung up on and transferred to the wrong departments each and every time. I have filed a dispute with Equifax and with the collection agency to whom the account was referred to for collections, XXXX XXXX , XXXX .