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

This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to Bank of America and XXXX and XXXX. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against Bank of America XXXX and XXXX and I will put discrimination case too, I will approach leagally a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law XXXX5 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.
Product: Debt collection

Caine & Weiner is reporting a debt in the amount of {$210.00} on my credit report. I do not know anything about this debt. The debt was assigned XX/XX/XXXX and has been refreshed to XX/XX/XXXX. Per the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Debt collection

Insurance co was supposed to pay this medical debt in amt of {$660.00} and {$73.00}. I told them that insurance was supposed to cover this debt, they kept telling me they will just add it to my credit report and it will ruin it if I do n't pay them in full.
Product: Debt collection

In XXXX, a package was shipped from me to XXXX with tracking # XXXX. Originally, I was going to drop it off at the XXXX store near me with paper packaging but was told it was unacceptable. They then re-packaged it for me in a large XXXX box to which I paid the full balance of at the store. I received a collections activity notice which I demand be stopped, as it is an invalid debt. The collections agency, Transworld Systems, put a 30 day dispute hold on my debt, but I 've been unable to contact XXXX directly about this. The invoice # is XXXX which again, I was told by the collections agency, is the only way to look up the original package due to being in collections. I wo n't pay a debt that I paid for at the XXXX ( in XXXX ). I want this dismissed.
Product: Checking or savings account

We discovered numerous unauthorized debits to our XXXX  XXXX XXXX account. We immediately reported this to XXXX  XXXX XXXX Customer Service and Integrity Protection. We immediately reported this to XXXX  XXXX XXXX XXXX XXXX. However, XXXX of the unauthorized transactions involving XXXX and XXXX remain unresolved. 

Transaction Date : XX/XX/2023 XXXX  XXXX XXXX Account XXXX Transaction Number : XXXX CCD Transaction Amount {$46000.00} Transaction Reference : XXXX CCD Transaction Amount : {$190.00}
Product: Credit card or prepaid card

There are issues with several claims that were filed last year and still not resolved. 
The last claim XXXX for Purchase Protection was opened in XX/XX/XXXX and I have submitted all requested documents several times but they keep closing the claim for not receiving documents ( I do have proof that those documents were sent to them and they were received by thme ). 
I last submitted documents in XX/XX/XXXX, they acknowledge the receipt of documents along with a signed document by a repair company that was required by Amex XXXX.

Last week, I received a notice from Amex XXXX that they were not able to verify the repair estimate and would noy pay the claim. 

In XX/XX/XXXX, I also filed a theft claim for a laptop BUT I have not idea what they have done to the claims. I never received the claim payment. 

In XXXX, I filed a claim for receiving all merchandize and what was received were damaged. We went back and forth several times and I had to re-open claim more than once but never received the claim payment as Amex XXXX  have a habit of closing claims without payments and any valid reason.
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 two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : ads comenity point srw XXXX XXXX : ads comenity point srw XXXX Transunion, ads comenity point srw XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in bankruptcy as of XX/XX/XXXX. XXXX. All of my creditors were sent notice of bankruptcy on XX/XX/XXXX including OPORTUN. I talk to a customer service rep and she looked on my account and saw that OPORTUN did receive proof of my bankruptcy back in XXXX. But as of XX/XX/XXXX OPORTUN still has my account open on their website and on my credit reports. Its illegal to do so and its in violation of the bankruptcy lawyers. They HAVE my bankruptcy documents that my lawyer sent back in XXXX yet they still have not updated my credit reports and my account on the website to show everything as closed. This is a violation of the bankruptcy code laws. My account number is XXXX
Product: Credit reporting or other personal consumer reports

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My request to the U. S. District Courts confirmed Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately. 

The Experian needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report along with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and/or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint to the Federal Trade Commission and will follow with a Consumer Financial Protection Bureau claim if you fail to respond within 30 days of receipt of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called Experian to dispute a collections account reflected on my credit report by XXXX XXXX XXXX   XXXX. I informed the Experian customer service rep I spoke with, that I was disputing the account because the charges reflected on my credit report are for pest control treatment which I am not responsible for, and which my former Landlord ( XXXX XXXX ) is responsible for. Subsequent to the phone conversation with Experian, I uploaded a document on Experians site which outlined the reason for my dispute on the account. On XX/XX/2020 I was notified by email that the dispute Investigation had been completed. I logged into my Experian account and saw per the results that the information I disputed was verified as accurate. This came as a surprise since other credit bureau reporting agency completed their investigation and deleted the collections account from my report based on the same information I provided Experian. On XX/XX/2020 I called Experian to get further details on how the investigation was conducted and how the decision was arrived at and I was informed by the Experian customer service rep that I disputed the account as a paid account and the information was sent to the collections account who verified that the account remained unpaid. I immediately told the Experian rep that the wrong information was noted as the reason for my dispute. I asked him if my file at least had the document I sent and he reviewed my file and confirmed that the document was received but he was not sure why the right information was not recorded. He then apologized for the mix-up. 

Experian has not carried out its due diligence in investigating my dispute and this is concerning. First, the wrong reason for my dispute was entered by the Experian representative who initiated the dispute over the phone. Secondly, I submitted a document which clearly outlined the reason for the dispute, however no-one at Experian cared to read the document. Experian has not carried out any due diligence in correctly documenting the reason for my dispute or properly investigating the dispute and continues to report the collections account as accurate.
Product: Debt collection

This is a follow-up to complaint # XXXX. I had asked Ditech Financial LLC to stop calling me and sending me letters regarding the alleged debt in question. In their response, they said they would stop calling me. The CFPB subsequently considered the complaint resolved, and closed the file. 

Ditech continues to send me letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX violated my rights according 15 U.S.C 1681i ( A ) ( XXXX ) ( a ) and 15 U.S.C 1681i ( XXXX ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both Transunion and XXXX what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( XXXX ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my Transunion credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, Bank XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX CO XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 604 A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Started XXXX XXXX Called ID Wells Fargo XXXX XXXX XXXX from the fraud Depatments wanted to know if I just made a charge to XXXX XXXX ( don't remember the state but back east ) for {$400.00} I said no. We called Wells Fargo Bank they said wasn't them but that number was one of there banks in XXXX Utah. 
Same date at XXXX another call from Wells Fargo Bank XXXX it was XXXX XXXX again calling both calls came in on my business phone, I told her to call me back on my cell phone so I could hear her better ( my cell # XXXX ) and she did. Asking me questions about my credit and debit cards which she gave me my card numbers first they were right on. Then told she would contact me the next day and it would only be her no one else for security. 
XX/XX/scrub>XXXX another call from Wells Fargo XXXX this time a male XXXX XXXX ( XXXX XXXX XXXX ) asked me about more charges from my credit card which I denied. He sounded phoney so I started asking him questions which he answered wrong and he hung up. 
XX/XX/scrub>XXXX XXXX Wells Fargo XXXX it was this XXXX XXXX again and I hung up on him. 
XX/XX/scrub>XXXX XXXX Wells Fargo XXXX same caller I just started giving him a bunch of crazy wrong answers he hangs up again. 
XX/XX/year> XXXX Wells Fargo XXXX this time it was XXXX XXXX XXXX Indian/ Pilipino voice ) XXXX states she's from the fraud department starts asking more questions, which I keep giving out the wrong answers, like your family mostly lives in Montana which XXXX answer all of them do which they didn't. Then I told her I fly back to Montana for 5 days then fly back to California for 2 days ( just crazy answers ) and she hangs up. 
XX/XX/year> XXXX Spam Risk call XXXX XXXX ( didn't get the XXXX number ) said they were from Wells Fargo Fraud and it was that XXXX XXXX guy again. We just hung up the phone. Then again at XXXX same number we hung up the phone. Then again at XXXX same number we hang up again. 
XX/XX/scrub>XXXX XXXX Wells Fargo XXXX this time XXXX XXXX XXXX XXXX Wells Fargo same thing talked a little bit and hung up. 
One and only name on the charges made was XXXX XXXX and it was for {$6900.00}. then I get a notice that my business XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX has a new owner myself XXXX, add XXXX XXXX - Owners this came from XXXX XXXX. I guess they are trying to do something to my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I was scammed for a total of over {$800.00}. Chime bank refuses to give me my money back. I have been opening claim after claim since XX/XX/2023. I was scammed from a social media site. I called let them know I was scammed and never got my product and this is steady being denied. I even submitted documents as well to verify this information after I was blocked from making contact with the person who was sent the funds.
Product: Credit reporting or other personal consumer reports

FAIR COLLECTIONS & OUTSOURCING ( XXXX ) continues to report information that is incorrect. TransUnion 's report has incorrect information about this closed and forgiven account due to ID THEFT. The acct was reported as ID FRAUD/THEFT and was BLOCKED. It keeps reappearing XXXX was reported to the IRS for FRAUD and misrepresentation in XX/XX/year>. I was issued a 1099C and the acct is to be permanently removed and XXXX blocked.
Product: Credit reporting

I have disputed XXXX XXXX, XXXX, and XXXX XXXX since XXXX of XXXX. I recently disputed a Bankruptcy on my credit profile XXXX/XXXX/XXXX, which I have not received notice that this entry is being investigated. I am a victim of identity thief and want these items removed. I have asked Experian to provide verification documents as of XXXX/XXXX/XXXX for XXXX XXXX ( XXXX accounts ) and XXXX XXXX. They have failed to provide such documents. Then, they allow XXXX XXXX XXXX ( collection agency for XXXX ) to post an entry on my credit profile, even though Experian removed XXXX. 
I asked this credit reporting company to provide me with documents to how these entries are " verified '' and remain on my credit profile. Under FCRA section XXXX XXXX a ) ( XXXX ), a consumer has the right to ask for validating documents within 15 days of an item being disputed. Has it not been more than 15 days? Have I not previously asked Experian to provide me with documents to support fraudulent entries on my credit profile? It has been going on 6 months since my disputes began, and I am still struggling to get an answer, documents, or removal of fraudulent activity on my credit profile.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent an 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 dress for these violations. 

My CashApp account name is : XXXX XXXXXXXX I have also attached a screenshot of my profile name.
Product: Mortgage

Borrower mortgaged his primary residence in XXXX for {$450000.00}. The loan is presently either owned or managed by Wells Fargo and is in default. The sale date is XX/XX/XXXX. On XX/XX/XXXX borrower gave verbal authorization to Wells Fargo to speak with borrowers loan broker. The broker made 5 separate calls to Wells Fargo. The number they provide is a call center than has no authority other than to refer the matter to another department. The loan broker spoke to 5 different parties. Three of them acknowledged the authorization for the loan broker to represent borrower for one day. The last representative could not locate the authorization that 3 other representatives found. Most of them recommended that the loan broker speak with another department. In the first case he was transferred to a disconnect. In the second case he was transferred to unending music. The third transfer was back to the same call center. A fourth transfer was to an outside and apparently unrelated company. The total time spent trying to speak to someone at Wells Fargo was 2, 1/2 hours and was totally unsuccessful. Two of the representatives said that the sale date could be extended but the requirements were impossible to satisfy. A pair of representatives said that a loan modification might be possible but the loan broker was not transferred to the proper party, and it was almost certain that discussion of a loan modification would be futile. Also the rate would be unfair and punitive if it could be accomplished. It is apparent that Wells Fargo is stonewalling borrower, with the intent to go to sale so that borrower loses his home or a sale is postponed and borrower is forced to pay unreasonable rates for the near future. Equally troubling is that Wells Fargo is aware that borrower is a minority and is being treated unfairly, much more than a non-minority. Finally borrower has a new lender who will lend enough money to pay Wells Fargo everything they claim is due. This lenders primary requirement is that the notice of default be lifted. Borrower owes about {$470000.00} and the home is worth approximately {$690000.00} at market value. Borrower is also able to make the monthly payments as due, and would be far better able to make the payments on a new loan at market interest rates. Since borrower is presently making all payments monthly as due, Wells Fargo is not at risk of any loss at all by lifting the notice of default. The notice may also be invalid for legal reasons. This is bad faith on the part of Wells Fargo.