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

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a XXXX XXXX from Transunion in XX/XX/2022.
Product: Credit card

Barclay 's bank has a {$6500.00} fraud charge on my card. 
After I made my last payment on the credit card for XXXX, Barclay 's decided to add 2 new charges for {$1000.00} each- totaling {$2000.00}. Barclays said this is from the same company, XXXX, that stole the other {$6500.00}. These are double charges. Double charges they gave back to me after complaining for 3 months!!! Why did they do this? 
Even the company XXXX emailed Barclays Criminal Subpoena email address and said they took {$6500.00} not {$8500.00}. They have also charged me interest. 

Mastercard  Corporate Arbitration informed me I am 100 % protected and am not responsible for the fraud charges, so when I do not pay for any of this, Barclays can not ruin my perfect credit score.

But Barclay 's should be in very big trouble for continuing to double charge me fraud charges!
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card was charged fraudulently and I submitted a dispute. My husband 's card was cancelled, the charge was never reversed and then interest was applied. 

Today I was told I had to pay it before it can be resolved and I said absolutely NOT. I then called back and resubmitted the dispute online - XX/XX/XXXX and told it would be resolved. 

Citibank is not a GOOD BANK!!
Product: Mortgage

i was denied a loan modifications by wells fargo i agreed to do a short sale on my home to avoid it affecting my credit showing a foreclosure and also to get help relocating now i am being told i am denied that as well in the most recent letter i received from wellsfargo it states events which never occurred while i was waiting approval for short sale i recorded the conversation with me and the rep and my agent and at no time were items stated in the letter occurred during this phone call i will have this transcribed and available as evidence this they have not provided their call records for review i sense some retaliation from the rep who notated my account incorrectly causing the decision to be made on my account we cooperated with everything asked of us for this to be approved the bank delayed intentionally to void the first appraisal and there after didn't not get back to us timely on the count term offer their response letter states all lies my attorney can attest along with all parties who have address this shortsale request my Attorney can attest he submitted the counter with no acknowledgment till days later for a request to resend which he did their later claimed info was requested and not submitted which is not the case and a lie.. 

wellsfargo has treated me with deceitful practices their actions on my loan mod and shortsale requests have been unfair i am accusing wells fargo of fraud, negligence, breach of fiduciary duty, and breach of contract at this point due to the outcome of my requests over the last 4 years. 

i believe they denied my mortgage loan modification due to a calculation error in their banks software tool because even after my husbands income they state they can not offer me a loan mode that we can afford
Product: Debt collection

Want to dispute and validation this debt. Pursuant to 15 USC 1692g
Product: Debt collection

transworld systems inc. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for XXXX XXXX XXXX XXXX XXXX XXXX.. creditors acct # XXXX transworld acct # XXXX
Product: Checking or savings account

Bought lunch at local restaurant. Bill was small, total with tip was {$26.00} including tip, paid with Wells Fargo POS  ATM card. 
Two days later on XX/XX/2021, restaurant inputs {$10000.00}. Wells Fargo deducts funds from checking account, and hits savings account for difference as checking account balance was not sufficient for this charge. Checking account is now at XXXX. 

We call Wells Fargo to report and they begin a claim as " dispute resolution '' instead of fraud. 

We go to Wells Fargo local branch. Wells Fargo employee calls restaurant and report that charge will be reversed by the restaurant. We notify Wells Fargo staff that their ATM card agreement limits daily withdrawals to {$2500.00}. Wells Fargo publications also claim that accounts are monitored for unusual activity. We ask why a charge in excess of {$2500.00} was paid, they reply that " it sometimes happens ''. 

We request that Wells Fargo staff contact Visa who apparently is middleman in POS  transactions. They advise us to wait 2 to 10 days. to resolve!
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/ to Experian, XXXX, and XXXX. Here are my tracking numberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they spoke with. 
How did they complete this investigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigale my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate personal information resulting in damage to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have XXXX XXXX XXXX and Portfolio Recovery Associates reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX Bankruptcy XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I

was denied credit within the last 60 days, it was due to a transunion credit report. I have tried contacting transunuon : 1 ) There is NO way to email them the information to get a report 2 ) Calling them requires extremely long and unaccepotable hold times, 3 ) Their site is not allowing me to obtain my credit report- they verified me via my email w a code, all my info was correctly submitted. Transunion is being allowed to deny our basic rights of getting a current report ( after being denied credit for using their report. ). Its as if they structured this scenario so they can't be reached. This has to be addressed- the consumer is left with little to no options.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate addresses and fraudulent inquiries from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved.

I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report.

Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent.

Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities.

I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was reviewing my credit report & noticed a collection account by the name of Jefferson Capital Systems. I dont recall seeing a written contract between myself & Jefferson Capital systems. It is my understanding that if they can not provide proof of this being my debt that it must be removed. According to the FDCPA, they must provide adequate proof showing that this debt is in fact mines, if theres no proof then this must be removed from my credit profile. Computer printouts of billing statements arent proof
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 60 days to 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 XXXX 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 XXXX
Product: Consumer Loan

I am writing about the company Rise Credit. I recently changed my bank account but emailed them all my information so they can process my payment through there. My balance is {$4000.00}. 1 payment got returned because they took it out from the old account. They charged me for it and i saw that my balance is {$4300.00}. I emailed them my new account to process my payments there which they replied back to confirm they 've received it. But they said it was return again today XX/XX/2016. Now i saw that my balance is {$4600.00} My initial balance was {$2600.00} but they re-financed me knowing I still have an ongoing loan on them which California law say they they can not offer additional loan if there is still existing one but my mistake is that I took it. I already paid almost {$4000.00} for my initial loan of {$2600.00}. But nothing went to the principal balance. California law say that return check should be charge for {$15.00} only but they charged me for {$670.00} for it.
Product: Money transfer, virtual currency, or money service

Sent a transfer about {$1700.00} on XX/XX/2022 via Venmo. Venmo reported transfer complete, but recipient never received funds. Venmo then acknowledged it has funds but can not transfer to the recipient. Refused to reverse the transaction and refund funds to the sender, claimed department who could do that can not be reached by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX  XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX card service act 104298. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Product: Checking or savings account

I run a XXXX XXXX. I got a submission for request from my website on XX/XX/year>. The person named XXXX XXXX wanted to hire me to XXXX  a family reunion event on XX/XX/year>. I have XXXX  a family reunion event previously so didnt think anything of it. We conversed through email setting up the date, time, payment, and contract. He signed my contract and wanted to pay the deposit ( which would secure his date ). On Friday XX/XX/XXXX he sent me a deposit via check that I put in my account ( at US Bank ). I sent a message to XXXX XXXX saying the deposit went through and his date is secure for the event in XXXX. On this same day, I received my paycheck from work ( occurs every Friday ) and I sent money via XXXX to my boyfriend for rent ( which I have done the beginning of every month for the past two years ). I didnt go on my bank account all weekend as I was working. I didnt converse with XXXX XXXX on the weekend. On Monday, XX/XX/year>, I got an email from my XXXX XXXX XXXX saying my bank declined my payment to my credit card. I thought that was weird as I knew I had sufficient funds in my account. I tried to login to my bank app but I received a message that was account was temporary unavailable. I called my bank and the woman told me my account was going to be locked for XXXX hours and they were looking into suspicious activity. On Wednesday XX/XX/XXXX I called my bank again trying to see if I can get back into my account. The woman I spoke to said my account balance was at XXXX XXXX She had told me the check from XXXX XXXX from last Friday bounced. There were a couple of XXXX payments on Friday and over the weekend I had not done. One was {$1000.00} to a XXXX XXXX. I do not know this person at all and did not send money to them. She didnt give my the names from the other payments. I can not login to see for myself the transactions. If you look at my XXXX past transactions you can see the only XXXX payment I ever do is the rent to my boyfriend at the beginning of the month for the past two years! I am not sure how much they took as I can not get into my account. The bank will be closing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.
Product: Credit reporting or other personal consumer reports

Recently I Looked at copy of my credit report and noticed several inaccuracies on 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 XXXX, Number Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00} XXXX {$280.00} XXXX {$79.00} XXXX {$190.00}
Product: Mortgage

On XX/XX/19 I made a payment of {$800.00}. This was above the contractual payment amount but did not bring the loan current. The mortgage company was already holding XXXX which left roughly XXXX to bring the loan to a current status. On XX/XX/19 I was notified by XXXX that the payment had been cancelled by the recipient. I called the mortgage company about sending the payment back and was advised to send {$1800.00}. I told them it would be wired XX/XX/19. On XX/XX/19 I called to verify receipt and was told the loan was active in foreclosure, that it had been placed in foreclosure XX/XX/19. 
I asked why they didnt apply my contractual payment, per CFPB guidlines under RESPA and was told they didnt have to. They have since sent back the {$1800.00} and are still holding the XXXX, but are now charging me over {$7500.00} to avoid the foreclosure when my balance is XXXX with the XXXX payment
Product: Credit card or prepaid card

Opened an account with dental first financing through comenity capital bank. Promotional plan for 18 months. Account fully paid before promotional ending date. This was confirmed by the statement received from comenity. The following month statement I received a bill for {$2800.00} of interest. Made several calls to no avail. Sent certified letter to comenity home office XXXX XXXX on XX/XX/11. To include the above facts & copies if their statements to me indicating monies paid before end of promotional date. It is now in collections I have not received any response fro comenity
Product: Debt collection

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$300.00} XXXX XXXX XXXX / XXXX / {$200.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX  / XXXX / {$870.00} XXXX XXXX /  XXXX / {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).