23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX, my parents moved their money into a savings account and a trust account with Wells Fargo as well creating a Power of Attorney and naming each other the XXXX XXXX  and then naming me XXXX. On XX/XX/XXXX my Mom died. About XX/XX/XXXX my XXXX is hospitalized due to complications with XXXX and failure to thrive. On XX/XX/XXXX a XXXX XXXX determined my father lacks decision-making capacity. On XX/XX/XXXX, I met with XXXX XXXX, Branch Manager, of the XXXX XXXX Wells Fargo in XXXX, XXXX. XXXX XXXX made copies of the Power of Attorney and Physicians Certification of Incapacity to Make Informed Decisions to be sent to Wells Fargo Legal for review. My sister, XXXX XXXX, went to a Wells Fargo in XXXX, Colorado where they made a copy of my mom 's death certificate which was sent to XXXX XXXX. 
On XX/XX/XXXX, I returned to Wells Fargo to meet with XXXX XXXX. Instead, a banker named XXXX assisted me. XXXX called Wells Fargo Legal and was informed that my documents were not enough and they required more. 
When I pressed on what I needed, I was told that they couldn't tell me and I was not allowed to speak to the Legal department either. I kept pointing to the Power of Attorney section that allowed me to manage a trust but was told this was not enough. When I asked why I was told it just wasn't. When I asked what they needed I was told they couldn't tell me what they needed. 
At one point I was told there was a form I could fill out and have notarized that could work. Unfortunately, they could not tell me what the form was nor was the notary available that day. Instead, I was told to talk to my lawyer. When I asked what I should speak to my lawyer about they told me they couldn't tell me but I needed to talk to my lawyer.
Product: Debt collection

1. Besides few disputed medical claim items, we had paid the {$320.00} at XXXX ( receive the bill statement at XXXX ) to the XXXX XXXX XXXX which had withdrew the money at XXXX. 
2. The XXXX XXXX XXXX had rushed the bill to the collection agency within two weeks. Earlier XXXX, we had called the XXXX XXXX XXXX to understand the bill statement, but its agent said the bill had been send to collection agency without bothering answer any question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$5500.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$100.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$300.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$4300.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$950.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their repeated failure to provide me with the requested documentation and verification of a charge-off on my consumer report. Despite multiple attempts to resolve this issue directly with Experian, I have not received any satisfactory response or the required documentation. 

Account Info : XXXX Acc # : XXXX I initiated multiple dispute with Experian requesting detailed documentation of the verification process for the charge-off listed on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to provide this information within a reasonable timeframe, typically XXXX  days. However, it has been well over XXXX  days, and I have yet to receive any response. 

Additionally, the charge-off in question was previously deleted from my credit report but was later reinserted. Under the FCRA, specifically the reinsertion law, Experian is required to verify the accuracy of any information that is reinserted into a consumer 's credit file and to notify the consumer within XXXX business days of the reinsertion. To date, I have not received any notification or documentation regarding the procedures taken for this reinsertion. I'm requesting proof of documentation and tracking number of letter notifying me. 

I believe Experian 's actions constitute a clear violation of my rights under the FCRA, including but not limited to the following provisions : 15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 

Given Experian 's failure to comply with these legal requirements, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian provides the necessary documentation and verification. Furthermore, I request that any inaccuracies resulting from this unverified charge-off be corrected on my credit report and be removed. 

Please find attached copies of the disputed chargeoff and the result of it being by deleted by Experian. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are violations of the FCRA Its a defamation of my character.
Product: Money transfer, virtual currency, or money service

Square Inc. owns Cash App. 

Cash App stole from me. 

Cash App charged me twice for one order that I made with the XXXX XXXX that is linked to my Cash App account. 

On Sunday, XX/XX/XXXX, I had made a XXXX order with a total of {$28.00}, but I had a XXXX XXXX on my XXXX XXXX for {$5.00} off XXXX. So, Cash App notified me that the discount was applied, and the final total was {$23.00} however, it was actually not applied ... 

On Tuesday, XX/XX/XXXX, I get a text from Cash App at around XXXX CST about a XXXX  order that was {$28.00}. 

Unbeknownst to me, my Cash App account had gone into the negatives because of this sudden {$28.00} charge that I did NOT authorize. I thought my order was {$23.00}? 

Hours later on Tuesday evening, I notice my account is in the negatives, and I look at my transaction history. I see that Cash App charged me twice for XXXX for the same order. Sundays transaction was {$23.00} with {$5.00} XXXX XXXX Applied as a note ( but it was not applied ). Tuesdays transaction was {$28.00} which was the actual amount of my Sunday XXXX order. I checked my XXXX order history to see if they charged me twice but NOPE! Cash App did. 

However, I would then wait for a day to see if maybe it was a mistake on Cash Apps end, and my money might be back there tomorrow NOPE! 

Nothing refunded. 

So, late Wednesday evening on XX/XX/XXXX, I sent Cash App a support request for a refund. 

Around midnight on Thursday, XX/XX/XXXX, Cash App sent me an automated email response to my request informing me to send over numerous information that mostly pertained to the merchant as if its the merchants fault for this. It is NOT. 

An hour ago, today on Friday the XXXX, I told Cash App that I am not sending anything and they need to send me my refund. Cash App had a lawsuit filed against them for making a user send over all that stuff for a refund only to receive no resolution at all. ( The court ruled in the users favor as well ). 


XXXX ; Cash App owes me money for charging me twice on one XXXX order. They owe me {$23.00}.
Product: Payday loan, title loan, or personal loan

I keep getting harrassed by repeated calls and they are repeatedly calling people I know, also told my roommate to have me call them, so that is in federal violation of law ....
Product: Student loan

My lender falsified information to XXXX which in turn has caused numerous negative items to remain on my credit report that should not be there. Upon completing school i was not able to obtain a job to pay the high monthly balance of the loan that was due immediately upon my graduation. It took me over a year to find a job, and when i did find one it was very low paying to the point where my monthly income was just about equal to my payments due so I still could not pay. Long story short I have never made 1 single payment to my lender. My lender, in order to successfully package and sell/transfer the loan to another party, started reporting that I had begun to make payments to show my account was in good standing, payments I never made. The clock on my loan began in XX/XX/XXXX, but they reported that I made payments in XX/XX/XXXX right before selling/transferring my loan. By law, it takes 7 years for an item to drop off of your credit report but that 7 year clock starts from the LAST PAYMENT MADE. I have never made a single payment so instead of having this drop off in XXXX, I am told it wo n't drop off until XX/XX/XXXX because of the false information they reported stating that I had made 3-4 payments prior to them selling/transferring my loan in XX/XX/XXXX-XX/XX/XXXX. I can not provide proof to XXXX to dispute this because I can not provide proof/check number for a non-existent payment. To add to the problem, since my lender is private and is not required to provide information to XXXX, XXXX can not ask them to provide proof of payment. So they are protected by law in a sense from providing proof that would ultimately incriminate themselves for falsifying records. After many escalations and unsuccessful disputes because of the lenders unwillingness to provide anything I am asking for, I am now following XXXX advice and escalating this issue here to hopefully get some assistance in going after this lender and getting them to remove this negative information that has been hurting my credit score in preventing me from doing things such as buying a house. It should be noted that they eventually sold this debt to a collection agency a few years ago and we came to a settlement, in which I turned around and successfully won in litigation after the settlement due to the collectors unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from WELLS FARGO DEALER SERVICES located at XXXX XXXX XXXX XXXX ( XXXX ) XXXX, CA XXXX ( reported ) showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Chargeback with XXXX XXXX : Reference to Case Number : XXXX & Case Number : XXXX with Goldman Sachs Apple Card XX/XX/XXXX XXXX XXXX Eastern Time : Airline ticket purchased from XXXX XXXX. Listed as being able to be cancelled on their website. Purchase of {$250.00} On XX/XX/XXXX XXXX XXXX  Eastern Time ( via email ) : After refusing to cancel and refund the purchase the merchant offered me a credit for future use. They charged me {$45.00} to do so leaving {$210.00} as a credit with the merchant. I accepted and informed them I would reach out for help with Apple Card support as their website showed I would be eligible for a refund and they did not honor it. Dispute opened with credit card issuer. 

On XX/XX/XXXX at XXXX XXXX  Eastern Time : Never heard back from Goldman Sachs Apple Card on dispute so I attempted to use previously offered credit and could not do so as the website didnt acknowledge it on my account. I reached out to XXXX XXXX customer support via Text Message support and corresponded with a representative named XXXX. He informed me there was no credit and there was nothing further he could assist me with. I have now received NO refund and NO credit. 

XX/XX/XXXX XXXX XXXX  Eastern. Received email dispute had been denied. Called Goldman Sachs at XXXX and spoke with XXXX regarding my reversed chargeback. She found my email response from XX/XX/XXXX but did not see the attached PDF file. She reopened the dispute and informed me to reply back with images when requested again. Evidence submitted has been mishandled by credit card issuer and not attached. 

XX/XX/XXXX XXXX XXXX  Eastern : Received email dispute has been denied. Called Goldman Sachs at XXXX and spoke with an agent asking how to escalate this matter. She was able to put me on hold to escalate to a supervisor. XXXX, answered and verified my identity. I explained the issue and she offered to escalate it for review. She indicated there was no case or ticket number for this action as it is " internal ''. She also indicated there is no service level established for when I should hear back on this. I requested at this time a copy of the evidence used in determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/2024 I submitted the reinstatement amount requested {$6100.00}. The payment was due no later the XXXX noon XX/XX/2024. The payment was wire to the information listed on the reinstatement letter. PHH Mortgage confirmed the payment was received but did not apply it and continued to tell me they didnt know why. After 1 month they said the payment was not applied and on XX/XX/XXXX I was told the payment was returned due to a clerical era on their part. My financial institution never received the funds back and provided an email confirmation from the branch manager stating the funds were never returned. The bank requested confirmation of the wire refund from PHH Mortgage but they never responded. On XX/XX/XXXX they told me the funds were applied but the payment was not enough to bring my account current and they wanted an additional XXXX due to the clerical error they made. I have the original reinstatement letter provided requesting the amount of XXXX which was submitted within the timeframe requested and the XXXX dollars they are now requesting was not included.
Product: Debt collection

CREDIT COLLECTION SERV Account Number XXXX Amount {$820.00} Reporting collection account. {$820.00} past due as of XX/XX/2023.
Product: Credit reporting

I had XXXX hard inquiries on my credit report that were not authorized by me. I had similar inquiries on my XXXX report, ended up filing a police report, and those inquiries were purged. After that process, I checked my Equifax report, noted similar inquiries and filed a dispute. Equifax claims to have mailed the results on two of those disputes, but I never received any correspondence by mail. The other dispute is showing as " open '' with an expected resolution of XXXX. It 's now a month later, and all XXXX incorrect entries are still on my report.
Product: Credit card or prepaid card

OnXX/XX/XXXX I filed a complaint with CFPB against Continental Finance Company XXXX. The complaint was regarding information on my credit report and not receiving any billing statements. A representative from the company called and we worked out an agreement where they will purchase back the account from the debt collection agency, reopen the account, credit past fees and correct any negative credit reporting information. I also have a letter dated XXXX stating the above information. The company did eliminate the negative reporting however the balance information was incorrect. I decided to wait until the next update hoping the information would correct itself. Unfortunately the next updated was dramatically negative. On XX/XX/XXXX the company once again reported on my XXXX  and XXXX  report, the account as charged off and sold to a collection agency for a bad debt. The collection agency ( which the debt was bought back from ) is also still reporting this information despite disputing the information. A separate complaint will be filed against the collection agency for violation of the FCRA. On XX/XX/XXXX I called and talked to the same representative and he said he would look into it and get back to me. Unfortunately the representative or anyone from the office has failed to return my calls or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Subject : Request for Removal of Unverifiable Account from My Credit Report Dear, Credit Reporting Department I am writing to formally notify you that the account in question, associated with XXXX XXXX and listed as a charge-off, has been completely deleted from my XXXX credit report as of XX/XX/year>, following a dispute I filed. The account, originally showing a balance of {$1400.00}, was investigated, and XXXX concluded that the information could not be verified, resulting in the removal of the account from my credit file. 

As XXXX has already deleted this unverifiable account from my credit report, I respectfully request that you, as the credit reporting agencies, also take appropriate action and remove this account from my credit report. The information provided by XXXX XXXX  can not be verified, and under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. 

Under the **FCRA** ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that can not be verified within a reasonable time frame. Furthermore, under **15 U.S.C. 1681e ( b ) **, you are required to maintain accurate information in my credit report. As the information related to this account has not been verified and is now considered inaccurate, you must remove this derogatory mark within 30 days or face potential legal consequences.

In addition to my rights under the FCRA, I am also protected under the **Consumer Credit Protection Act ( CCPA ) **, which ensures that my credit history is not damaged by unverifiable or incorrect information. If you fail to remove the unverifiable account within 30 days, I will be forced to take further action, including but not limited to filing a lawsuit for damages under the **FCRA**, and potentially pursuing legal claims for statutory damages and attorney fees.

I kindly request that you update my credit report accordingly and provide written confirmation of the removal of this account. If this account is not removed within 30 days of receipt of this letter, I will consider all legal options available to me, including filing a formal complaint with the
**Consumer Financial Protection Bureau ( CFPB ) ** and taking legal action against your agency.

Please treat this matter with the urgency it deserves. I expect to hear from you within the next 30 days with confirmation that this account has been removed from my credit file.

Thank you for your prompt attention to this matter. 

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

On XX/XX/year> my cash app account was charged with XXXX transactions XXXX from XXXX any amount of {$210.00} and XXXX for spirit any amount of {$350.00} a contact cash app XX/XX/XXXX to report the fraudulent activity They canceled the card and sent me a new one and put both of these transactions and dispute under review, the XXXX transaction was under the review. It was supposed to give me an update XX/XX/XXXX but the spirit transaction kept getting denied. I asked Cash app number of times why They would PDF me what would be a receipt of the transaction and said they can provide any other details at the moment, and if I had tried to reach out to the merchant, I tried reaching out to the merchant which is XXXX, and I was informed that they didnt have too much detail because the transaction was made third-party from XXXX. I didnt contact XXXX XXXX who did provide me With necessary information showing that the flights were book to XXXX XXXX with a hotel room or totaling the amount of {$570.00} they also provided me with the name of the person who book the trip and XXXX other travels I uploaded that information to Cash app. I still receive it denial as of today check in my emails cash app decided they wish to no longer help me with my situation and block my account even while the dispute or under review, and I can no longer inquire about my money being returned
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have attached my complaint Ive filed with the Federal Trade Commission and Ive attached my identification for identity verification. My only name is XXXX XXXX XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. My credit report should only report the above accurate personal information.