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

I have disputed Fraud alert with XXXX, Trans union and XXXX on XX/XX/2024 nothing was done the problem still exists and no proof have been given of this investigation. 
XXXXdept of ED showing late payment that incorrect. 
XXXX XXXX Fraudulent XXXX XXXX Fraudulent XXXX  XXXX  XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX  XXXX XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX  Fraudulent XXXX, XXXX and Tran union has fail to fulfill its legal obligation under the fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit reports, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting

Equifax continues to carry incorrect information. Multiple contacts. They do n't remove any of it.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Square [ Block, inc. ] for engaging in an illegal and unethical practice related to a transfer made through their platform. 

On XX/XX/, I [ XXXX XXXX XXXX made a transfer in the amount of {$18000.00} from my personal account with AlfaBank to the account of XXXX XXXX XXXX as payment under a house rental agreement. However, despite the funds being debited from my account, the recipient did not receive the funds and to this day, Square has been unlawfully withholding our funds. 

My witness and point of contact for XXXX XXXX XXXX is XXXX XXXX [ address : XXXX XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX, XXXX. / phone : XXXX / email : XXXX ]. As the owner of the Square account to which the funds were transferred, XXXX XXXX has been attempting to resolve this issue with Square for over a year now. Still, despite countless points of contact with the company, Square has only provided empty promises and no satisfactory resolution. I have attached screenshots of emails with empty promises from Square, which further evidence their willful and intentional failure to act. 

Square had claimed that the funds have been blocked due to sanctions. However, the transfer occurred before sanctions officially took place [ Effective Date ( EO XXXX Directive XXXX ) : XXXX XX/XX/ ]. Furthermore, Square has attempted to engage in the unauthorized withdrawal of funds from XXXX XXXX 's personal account in the amount of the withheld funds. Both of these acts are clear violations of legal and ethical principles.
Product: Credit reporting or other personal consumer reports

I'm trying to freeze my credit with the three major agencies. TransUnion makes it impossible to do so. I tried to do so on line, their system would not work. The final step in the process required they call me with a code, but they did not call. So, I tried using their online chat, that starts with the typical AI chat bot that is totally worthless. Eventually if you wait you can get to chat with a live agent, but that was no help either, only a long list of excuses and then finally directing me to an email I could upload some more documents to. I then had to waste my time scanning documents into a file I could upload. I did so and sometime later I did at least get a confirmation they had the documents, but no status on my requested freeze. No time frame for my requested action was given. I spent well over an hour on this process. Contrast that to the XXXX online reporting freeze, that worked perfectly and took me less than XXXX minutes even after having to wait for an email with a code that took XXXX minutes or more to arrive. 

I really do not understand why this has to be so difficult. This agency is somehow chosen as one of three that are allowed to handle these credit records, yet they deny the actual owners of the information the ability to control it. They waisted more than hour of my time and I still do not have any confirmation that my credit has been frozen. I really do not understand why our government does not require these credit agencies they have ordained to hold this credit data to actually service the credit holders while they are making money off the credit holders information. Furthermore, why do I need to set up an account with these agencies to take an action like freezing my credit reporting?
Product: Credit reporting

I sent in a dispute letter to equifax in late XXXX regarding several accounts on my credit report that were unverifiable and requested that they validate the debt or delete it from my credit report one of which included a bankruptcy. Equifax advised that they were able to confirm the debt. I contacted equifax via phone and asked them how they confirmed the debt they advised they had a runner go over to the bankruptcy court but was unable to provide additional information. I then submitted a XXXX complaint against Equifax/Complaint # XXXX. After the case was reviewed I received a letter from Equifax that the bankruptcy was now verified through XXXX XXXX in late XXXX XXXX. At this point I knew something was wrong because I placed a file/credit freeze on all of my accounts in XXXX due to fraud. This would make it impossible for Equifax to have had verified any information through XXXX XXXX. I am now requesting that Equifax delete this bankruptcy from my file due to providing false information to consumer. I am unable to attach anything as I do not have the proper equipment however I am willing to send any documention needed regarding my credit freeze with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Checking or savings account

There were some fraudulent things happen to my account and TD bank closed my account and I still have money in my account and cant get it.
Product: Debt collection

I asked for debt validation as this debt is not mine and all they sent was a one page looks self generated invoice and no actual verification of debt.
Product: Mortgage

In the wake of the Covid-19 pandameic I lost income as I am in XXXX. I was trying to contact my mortgage service to see if they would give me a deferment on a payment or two being that they accepted to bail out money from the stimulus pkg passed by congress. the company instead the company is misusing government bailout funds and is offering only a forbearance which means I have to pay all three months plus the current month once the forbarance is up. This is misusing my tax payer dollars and taking advantage of the of the law. I ask that the company be held accountable for this massive misuse of our government and mistreatment of the people they are there to serve.
Product: Credit card or prepaid card

I had made a payment on XX/XX/2023 in the amount of {$710.00} cents to Milestone credit card partnership with Genesis FS. I had expected to receive my available credit on the next business day being Monday XX/XX/2023. However when I called them they told me that my available credit will not be available 2 weeks after my initial payment which will be in XXXX XX/XX/2023. I have never heard of this before. My checking account had funds available they took it out my credit bill was paid in full. But now I have to wait 2 weeks for my credit to be available? I have XXXX other credit cards as well that i have no issues with that in 1-2 business days will give me my credit no issues. They also told me they couldn't process it faster because they are not capable of doing so which I have never heard of a company not being able to do so before. Milestone also informed me if I didn't want to wait that id have to use a third party money gram service so the funds would be available within the 1-2 business day process which was never stated to me when signing up for the credit card. I was also never informed that it would take 2 weeks from my initial payment date. This is absolutely absurd from a credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute with Experian regarding inaccurate and negative accounts on my credit report. I also submitted supporting documentation from XXXX, the company Experian stated verified the non existing accounts. XXXX has submitted two disputes on my behalf in which Experian has not responded. The completed investigations was determined verified and remains on my report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( original documents with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Im writing due to several different translations over the years using Zelle that never was resolved or any money put back into my account by Zelle or my bank! Transactions I know I didnt make!
Product: Mortgage

On XX/XX/XXXX I was offered a modification from Village Capital. I began to pay the trial modification payments. The trial was to end XXXX, XXXX. I have continued to pay the trial plan. My loan began with Village Capital, transferred to XXXX and transferred back to Village Financial XXXX. Since the trial period ended I have continued to pay the trial payments. I have called multiple times to ask for the agreement in writing as I was paying and had no written agreement in place. They continuously advised that I continue paying and the paperwork would be generated. Today I received a letter stating I have to reinstate over {$15000.00}. I then called and asked for an email where I could sent a research request to figure out where my money had went. I called twice and each time was given a different email address for the request. XXXX and XXXX. Both emails came back undeliverable. At this point, Village Capital will not even tell me what is going on. The email I tried to send is below : o Whom It May Concern, Please accept this as a written request for information. We are concerned about the adherence to the Truth in Lending Act, Fair Debt Collection Practices Act and the Coronavirus Aid Relief and Economic Security Act. If we do not receive the following answers, we will have no choice but to report this to the Consumer Financial Protection Bureau. Please see timeline and questions below : In XXXX, XXXX XXXX XXXX 's file was with Village Capital and he was approved for a loan modification ( please see attached ). Since this approval XXXX XXXX has paid every month the trial payment. 
Since the trial plan was offered the servicing of this loan has transferred from Village Capital to XXXX to Village Capital, XXXX. We will need to see where all payments have been applied, which entity collected payment and how the payments have been transferred to each servicer. 
XXXX XXXX has now made 8 modification payments ; we still do not have any paperwork with a written agreement. We have requested the agreement multiple times and have been unable to get anything in writing. 

Please advise as to the status of the modification documents and a transaction history for this file from XX/XX/XXXX to present day ( XX/XX/XXXX ). We believe enough time has passed with XXXX XXXX making payments based on verbal communication. We look forward to your response within the next 30 days or we will be forced to involve the CFPB. Thank you. 

Please help me. Village Capital has been collecting payment for 8 months and is now saying it was not received. They have refused to send me any paperwork for the past 5 months. I have tried to work with Village but they will not give me an accurate email address and ignores my verbal requests.
Product: Credit reporting or other personal consumer reports

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX {$9700.00} XXXX  XXXX - XXXX {$5900.00}
Product: Debt collection

I received a quote from XXXX XXXX  for car insurance but never authorized them to bind the insurance. I was invalidly charged for coverage for {$580.00} from XXXX when I had insurance with another company. I contacted the agent ( XXXX ) and they were able to confirm with XXXX that the charge would be removed and was improper. I disputed the credit report through XXXX. I provided the documentation of invalid debt to the collection agency, Credit Control Service, proving that the debt was not valid, but they refused to remove the debt from my credit report and continue to update the debt as valid monthly.
Product: Money transfer, virtual currency, or money service

I was involved in the XXXX  bank scam it has been on the news. I have XXXX though Wells Fargo. On Friday XX/XX/XXXX I received a phone call from the online fraud department. The phone number the person was calling from was a legitimate number from Wells Fargo. Because when I called the number back the next day I was talking to the real Wells Fargo. So they called me on the phone claiming to be the online wells Fargo fraud department saying " did I attempt to XXXX ( send money ) to someone in the amount of XXXX dollars '' I then said " NO ''. Then they said " Ok let me help you '' Lets send the money back to yourself before it gets to the other recipient. First we are going to add yourself as a recipient by using your phone number. so I did that. Then he said lets send the money back to yourself now. So that's what I did. But the money did not go back to myself it was GONE it went to somebody else that I do not even know. They went into my online banking session and hacked it.t They linked my phone number to someone elses account. Just like that the money was gone. I have been making numerous claims to wells fargo and reached the higher escalations department hours and hours on the phone and I just keep getting denied. Its just horrible I just want my money back.
Product: Credit reporting or other personal consumer reports

n 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$7200.00}
Product: Mortgage

My Mortgage with Bank Of America that I have now refinanced because of the situation added insurance on my mortgage even though proof was sent many times to them that I have insurance and never have been without it. I have made at least 5 calls to get this straight with them. My address number changed but everything else was the same. I sent them proof on 2 different times that is the same home financed not to mention every single year before and they never correct the address box number change .I have sent tax cards, 911 change everything possible. I decided to refinance with no issue at all with the address change. They sent me a portion of the insurance back but still owe me back pay of close to {$500.00} that was included in my payoff. I asked to speak with a supervisor and they said she was busy and that she would call me back and never did. I called them again and the person I spoke to and sent my proof of insurance to AGAIN said that it would be taken care of. Never have received nothing from them and here it is going on since XX/XX/2017. I have attached what I have sent them and they always have it on file when I call but still no results.