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

I have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need help.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for Experian credit monitoring. Experian dropped my score 16 pts from XX/XX/XXXX to XX/XX/XXXX. The reason listed on my Experian account says " The percentage of your accounts paid on time has decreased by 9 % since XX/XX/XXXX ''. My Experian credit report shows no late payments in that period and shows everything as paid on time. I have spent hours on phone with Experian and they just read off a script saying that many things can affect a credit score, which I know. They also confirmed that there are no late payments on any of my accounts in this period. They are not showing any lates and refusing to tell me what the late payment was.
Product: Money transfer, virtual currency, or money service

Dear CFPB Case Manager, I am writing to escalate my complaint against Wells Fargo ( CFPB Case Number : XXXX ) due to their continued failure to resolve the issue of two international wire transfers that have been significantly delayed and remain uncredited in the beneficiary account. Despite repeated requests for updates, neither Wells Fargo nor the intermediary bank, XXXX, has provided adequate assistance, leaving these funds in limbo and causing severe business and financial impacts. 

Details of the Issue First Wire Transfer : Amount : {$25000.00} USD UETR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Second Wire Transfer : Amount : {$15000.00} USD UETR : XXXX Date Initiated : XX/XX/year> Beneficiary Bank : XXXX, XXXX XXXX These transfers were intended for the same beneficiary account at XXXX and routed through the same intermediary bank, XXXX. The {$15000.00} transfer was eventually credited after a 49-day delay, but the {$25000.00} transfer remains missing. XXXX has confirmed that they have not received the {$25000.00} transfer and report no communication from XXXX on either transfer. 

Wells Fargos Unacceptable Response Wells Fargos response to my second complaint is completely inadequate and fails to resolve the issue. They have merely reiterated that they are at the mercy of the beneficiary bank, XXXX, and that XXXX is under no obligation to respond. However, as the originating bank, Wells Fargo holds responsibility for ensuring these funds reach the intended account and must address any obstacles in the intermediary and beneficiary banks. 

Specifically, I find the following aspects unacceptable : Lack of Accountability : Wells Fargo has failed to provide any concrete resolution, merely stating that they are unable to guarantee responses from XXXX XXXX XXXX This leaves me, the customer, bearing the burden of locating my own funds. 

Failure to Escalate Effectively : Despite Wells Fargos acknowledgment of the issue, they have not applied any significant pressure on XXXX to respond to the recall requests. XXXX has refused to provide me with information directly as I do not bank with them, leaving Wells Fargo as the only entity capable of pushing for a response. 

Dismissal of Responsibility : Wells Fargo has stated that the funds are beyond their control after the transaction was initiated. This is unacceptable ; as the originating bank, Wells Fargo should take ownership of the issue and ensure that their customers ' funds reach their intended destination or, at the very least, that they provide proof of transfer and recipient confirmation.
Product: Debt collection

I received a bill for {$3800.00} from a XXXX account that was not mine. 

Myself, or any member of my family has never had a XXXX account. I have had my cell phone account with XXXX for over 25 years and no other account. 

The XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX The collection agency phone # is : XXXXXXXX XXXX phone XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian has flagrantly violated my Federal rights regarding a collections account reported by XXXX XXXX XXXX on my Experian credit report. This complaint is accompanied by evidence exposing Experian 's deceitful practices, as they falsely claimed that this account was verified and closed in XXXX of XXXX, yet continued reporting collections activity in XXXX and XXXX of XXXX. 

XXXX XXXX XXXX neglected to afford me the opportunity to address the alleged debt before it was reported to my Experian credit report, thereby trampling upon my Federal rights. I did not receive proper notification of this debt. I demand Experian to immediately remove this account from my credit report.
Product: Money transfers

During many years I used to have several Paypal accounts under my name, a couple of them in the USA whereas the other ones were international ( XXXX and XXXX ). All of them were verified accounts with bank accounts and credit cards associated. Suddenly, and without any logical explanation, Paypal first restricted all of them and later ( XX/XX/XXXX ) closed them all after my appeals that Paypal denied. During this extenuating process, Paypal contradicted many times, gave confusing and illogical information, had a lot of prejudice and misleading data, fallacies of several types, etc. I am very aware MANY accountholders both in the XXXX and overseas suffered similar nightmares ( and many even worst as some websites report it! ). In XX/XX/XXXX and afterwards, I did try to obtain an explanation from Paypal by directly calling their number in XXXX, CA. However, not only I received no explanation or even some hint but also I had to put up with rudeness, unpoliteness and lack of consideration from the Paypal agents who " answered '' my calls. Speaking with the XXXX from XXXX, CA was useless as he stated he could not disclose any further details as towhy my accounts were closed. During XX/XX/XXXX year through the websites devoted to the thousands of complaints against Paypal such as http : //www.paypalcomplaints.org/ and XXXX I was able to obtain further details and I emailed XXXX, the XXXX of Paypal but never received a response ... In the same sense, I emailed several of the Paypal email addresses listed there but no response at all! The basic thing I deserve from Paypal is an explanation of what happened or what induced them to take the decisin of restricting and closing my accounts. When restricting and blocking my accounts Paypal opened several case numbers that I will provide.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}
Product: Vehicle loan or lease

I HAVE HAD A LOAN WITH WESTLAKE FINANCIAL FOR ABOUT 5 YEARS. ON XX/XX/2022 AT XXXX XXXX  I CALLED INQUIRING TO HAVE A LATE FEE WAVIED, WHICH THEY SAID NO. WHICH IS FINE, MY REASON FOR THE COMPLAINT IS BECAUSE THE REPRESENTIVES AT WESTLAKE LIED AND MISREPRESENTED THEMSELVES AS SUPERVISOR WHEN THEY WERE NOT. WHEN I SPOKE TO THE Representative XXXX I ASKED FOR A SUPERVISOR WHICH HE TRANSFERRED ME TO XXXX EMPOLYEE NUMBER XXXX. XXXX IDENTIFIED HIMSELF AS A SUPERVISOR. LATER IN THE CALL HE TOLD ME HE IN FACT A TEAM LEAD AND XXXX WAS HIS MANAGER. I TOLD HIM THIS DIDNT MAKE SINCE AND AFTER MAKING XXXX TELL ME THE TRUTH WHO WAS WHO, XXXX FINALLY CAME CLEAN AND SAID XXXX WAS JUST A REPRESENTATIVE AND XXXX WAS THE TEAM LEAD. XXXX HESITATED TO GIVE ME HIS DIRECT SUPERVISORS NAME DIRECTLY. AFTER ALMOST 2 HOURS ON THE PHONE I FINALLY GOT A MANAGER, WHO I HOPE IS A MANAGER, XXXX EMPLOYEE NUMBER XXXX AND TOLD HIM OF OUR COMPLAINT. WE CAN NOT COME TO A RESOLUTION.
Product: Checking or savings account

Formal Complaint Regarding {$300.00} Bonus Promotion I am writing to formally lodge a complaint regarding your recent promotional offer, which promised a {$300.00} bonus upon meeting specific eligibility criteria. Despite fulfilling all the stated requirements, I have yet to receive the bonus within the promised timeframe. 

As part of your promotion, I was required to : XXXX. Open an account during the promotional period. 
XXXX. Make three consecutive payroll deposits, each totaling {$1000.00} or more, over three months.

I successfully completed these requirements by making qualifying payroll deposits in XXXX, XXXX, and XXXX. After not receiving the {$300.00} bonus within the promised timeframe, I contacted your customer support team via chat. Your representative confirmed that the three payroll deposits required for the bonus were indeed made. Despite this confirmation, I was informed that the bonus will not be paid out, which is entirely unjustified and contrary to the terms of your promotion.

The failure to honor this promotion reflects poorly on your institution and undermines the trust customers place in your credit union. This situation has caused me considerable frustration and inconvenience.

The resolution I seek is simple and fair : I request that the promised {$300.00} bonus be credited to my account immediately as per the terms of the promotion.

If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue.

I trust that First Tech Federal Credit Union values its customers and adheres to its promotional commitments. I expect your prompt response and resolution to this matter. Please respond within [ reasonable timeframe, e.g., 7-10 business days ] to avoid further escalation.
Product: Money transfers

In XXXX 2016 sent {$2000.00} to a receiver in XXXX using Western Union online service. On the due date the money was not available for receiver to pick up. XXXX WU for 3 consecutive days, and each time was assured money will be available for pick up either on due date or by the end of the day. The last associate helping me suggested to cancel the existing transaction, and to use a WU agent location to send money via their " money in minutes '' service. Which I did. The refund for the original transaction was supposed to take place within 7 to 10 business days. After two weeks had gone by, I did n't receive the refund, and contacted WU again. Over the course of the following month, I called regularly to inquire when and how I can receive my money back. I spoke with multiple agents and supervisors, and every time I was given a time by which the money would be returned to my account. I was promised multiple times that I would receive a call back, which only happened once. It took a month of regular calls and at least 8 hours worth of phone time ( total ) to finally speak with an operator that stated that WU was having " a computer glitch '' and that multiple customers have bee effected by it. He also assured me that a representative from their " offline department '' would contact me before the end of the day to see how I can be compensated for the time I 've spent on the phone trying to get my money refunded. That never happened. I finally received the refund. When trying to contact WU to see what they are planning to do in regards to time and aggravation it took for me to get the refund, I was offered a 50 % discount on my next transaction. Seeing that my usual transactions only cost {$10.00}, their offer equates to a {$5.00} compensation, which is hardly appropriate for the time invested in phone calls associated with this transaction.
Product: Debt collection

I got a debt collection notice claiming it is in regards to an account with Paypal. I've never had a credit account with Paypal. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from Paypal and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another Paypal scam. Paypal has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.
Product: Student loan

Signed up for fasfa and I have a open loan of XXXX for XXXX XXXX that I never signed for. I don't know if I am listed as a co signer but I did not agree to have my credit used
Product: Debt collection

I have an old debt and the found I started working and started a garnishment. I am like " ok they taking an small monthly amount so is ok this will be paid and removed from my credit '' So now months later I check XXXX more closely and see they are $ XXXX over what my credit score reports... Now I go to the website of collection and the have reported I paid them {$400.00} over what is in my credit score but they say I still owe {$880.00} more and they can't do anything because a third company is handling my account and they closed the chat! 
I called the second collection agency XXXX XXXX XXXX XXXX and logged in my account with them but they refuse to talk just put me on hold for hours! 
Numbers : XXXX : {$1300.00} XXXX XXXX : already collected {$1600.00} say {$880.00} remind to be paid. 

Money garnished already in my statements : {$1800.00} XXXX XXXX XXXX XXXX XXXX website : no payment is recorded in their website!
Product: Payday loan, title loan, or personal loan

I took out my first Loan with 1st Franklin around XX/XX/XXXX in the XXXX, GA office in an attempt to build/re-build my credit. I XXXX XXXX up front if they reported to the Major Credit Bureaus and if this would help build my credit! She advised me that they had gotten in trouble regarding the FCRA but that was almost settled and that they were supposed to be back reporting before the end of XX/XX/XXXX and that there WOULD retro back to the inception of my loan and report it accurately on my credit report! I made my payments on time or early each month until XX/XX/XXXX - when Inpaid the loan off in full!! 

I then went back in XXXX of XXXX and took out a second loan and while speaking with the SAME employee ( XXXX XXXX ), I asked her about their credit reporting and asked why it had not reflected on my report that Inpaid my last loan off in XX/XX/XXXX!? She then advised me that they had experienced a setback and ensured me that they would be reporting by XX/XX/XXXX and that ALL of my loan information would be reported at that time!! 

Skeptical but desperate to get my credit built I proceeded with the loan! Several months go by and I experience some financial hardship due to some major medical issues and almost loose my car and was forced to get behind on my loan with 1st Franklin! Several more months go by and just out of curiosity, I pull my credit report and see that not only had 1st Franklin NOT reported me paying my first loan off early or at all for that matter but they had reported the a delinquent loan for the months that I had gotten bond on payments!! I had another loan with a different company in XXXX of XXXX that I paid off at the same time I paid 1st Franklin in XX/XX/XXXX and they had reported the loan paid off in full early but first Franklin seem to PICK & CHOOSE what they want to report to the credit bureaus!!!! 

I dont know if that is legal or not but it is DEFINITELY not fair practice and I feel that if they are going to report to the credit bureaus, then they should be required to report EVERYTHING and not be able to discriminate by picking and choosing what they want to report and hurting consumers credit scores!!!!
Product: Credit reporting or other personal consumer reports

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting

I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have not had a XXXX XXXX  account since 2009 when I terminated it owing nothing and switched to a different provider. Since then for the past 10 years I have been getting letters claiming I owe {$720.00}, despite multiple attempts in writing, XXXX XXXX keeps harassing me. They have even fraudulently adjusted dates it seems in order to keep harassing me. Not only did I know owe what was claimed ... it's been TEN YEARS since I had a XXXX account.
Product: Debt collection

Constant calls at work even after they were told this is my work number and I am not allowed personal calls. told them they are only to contact me at my home number. Calls seem to be comming from XXXX as they all have an XXXX accent and are hard to understand. Ready to file a suit against them. Same company but different numbers when they call.
Product: Credit reporting

I do believe that this company has not delivered the service agreed upon in the contract. I told them that I would not be able to continue to bind agreement to this contract in such that I had to subside to the issue of the benefactors that have enabled my immediate provision and the monetary trade of this due process was not feasible under my most urgent concern at the time of the arrangement. I was not in a position to utilize this program at the times availed to me, due to the due party not providing a convenient and feasible housing constraint for me to utilize at the times that were subsided for me at the times of availment. I need this incorrect information removed from my credit report as a result of the circumstances at hand.
Product: Money transfer, virtual currency, or money service

Reference Complaint XXXX Submitted XX/XX/2022 Cash App to date has not refunded my money from the transactions they cancelled for one reason or another. I have attached the original complaint.
Product: Vehicle loan or lease

On XX/XX/2023 I crashed and totaled my car. On XX/XX/XXXX a check was sent from progressive to ally financial. After weeks of not being cashed or applied to my account the check was canceled. The XXXX  agent called to verify the address received on the letter of guarantee and was given a new address. A new check was sent to this provided address on XX/XX/XXXX and was cashed XX/XX/XXXX. The funds were never applied to my outstanding balance and ally financial denies receiving either check. Although there is an ally financial stamp on the back of the cashed check and the check was made out to ally financial so it couldnt be cashed by anyone else. Both XXXX and ally financial deny being at fault and will not do anything to resolve the issue. I am still being charged monthly payments on the totaled car even though its been about 5 months since the crash.