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

I have a collections account on my credit report that is invalid for XXXX XXXX but is being held by a company called Receivables Performance Management. The account was paid and closed in XX/XX/XXXX directly to XXXX XXXX. XXXX XXXX sold the invalid debt to a collection agency in XX/XX/XXXX. They tried to send it to my credit report after is was paid but I filed a dispute right away and it was removed from my report. Then in XX/XX/XXXX the wrongful debt was somehow resold and reentered on my credit report in XX/XX/XXXX. I did not realize it was there until XX/XX/XXXX. I called the collection agency and disputed it that day and they said the would contact XXXX XXXX to verify I had no balance and then they would delete it and if they decided the debt was valid they would get back to me within 14 days. I heard nothing and received no calls or emails regarding this account and it still appeared on 2 of my 3 reports. So I called again today, XX/XX/XXXX and they said I needed to submit documentation that I had a {$0.00} balance through email, so I did and then I got a representative from XXXX XXXX to call them directly and the collections company gave them some line about the debt was valid because it was just pain in XX/XX/XXXX but it wasn't. It was paid in XX/XX/XXXX. They just submitted a dispute in XX/XX/XXXX. They are not only unlawfully selling dept but they are also claiming they don't have to remove a falsely reported debt because it was paid which means its valid. It was never valid at anytime since XX/XX/XXXX.
Product: Checking or savings account

I made a purchase with payments for a reservation made on XX/XX/XXXX using my Chase debit card as Visa Credit. There were a total of 7 payments. The business I made the  purchase payments too canceled on their behalf and have not refunded any of my money. I am not receiving the service and they are not refunding ... so some kind of fraud/stealing money is taking place. I have tried to contact the business and all phone numbers and emails have been canceled. 

Chase filed a dispute but said they would only dispute 60 days from the first payment. I used my card as Visa Credit, Visa has a 100 % fraud guarantee ... if you dont receive a service  you paid for you can dispute it and get a refund, they will look into the dispute. As of now I am only receiving about half back because of a 60 day rule. Visa does not have that rule and Chase bank should be following Visa if Im using a Visa card as Credit. 

The dates Im still disputing are : All charges from XXXX   XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$540.00}
Product: Checking or savings account

Good morning, my complaint this morning is with Wells Fargo Bank. I have recently been charge fees in an unfair way. Out of XXXX transactions I was short in funds for XXXX but to do to the way they sequenced my incoming charges, they charge me for XXXX fees. This is not the XXXX time they done this. I tried compromising with them but they say that its the way checks get presented that they process through account and that 's not true. I had XXXX transactions presented in the account throughout the noon time of that day while I had a XXXX transaction processed until later that evening ; and as this transaction was the XXXX in posting sequence, I know its not what they use as excuse. In that sense they can always say that and unless a customer like my self talks to the payees and know the way the payees bank process, then we can track down every time but Wells Fargo bank knows no one will do that and can take advantage of the system that way. Nonetheless, to my understanding, it was already in the regulations for banks to not this process as they profit more. 
Note : I 'm also aware that the process of items with banks can goin a sequence from atm to debit, to electronic checks then manual checks regardless of amount but this case was manual checks deposit.
Product: Mortgage

In XXXX, Mr. Cooper failed to pay my homeowners insurance out of my escrow account. XXXX was due XX/XX/XXXX. I received a notice 30 days after payment was due from my insurance company letting me know my policy had been cancelled. I immediately called my insurance company and put a policy in place effective XX/XX/XXXX. The policy was paid via disbursement from my escrow account. I then received a letter from Mr. Cooper stating that they would retroactively force place insurance for the 30 day period I lacked coverage, even though it was their error. I reached out to Mr. Cooper to remedy the issue and the agent offered to call my insurance company and retroactively reinstate the policy. A second disbursement was made out of my escrow account to my insurance company. I then saw another disbursement for {$110.00} on XX/XX/XXXX from my escrow account where Mr. Cooper charged me for force placed insurance, even though I had insurance for that time period. I again called to remedy the situation on XX/XX/XXXX. The agent acknowledged the error and noted that the policy for XXXX was in their files. She said I could expect a refund within 5 business days. After 10 days, there was no such refund in the account, so I called again. The agent stated that the refund would be in the escrow account within a day or 2. As of XX/XX/XXXX, my escrow account has yet to be credited for the force placed insurance amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Email : XXXX Phone number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Personal Information ( Address ) Dear Experian, I am writing to dispute certain inaccurate information in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). My credit report contains incorrect personal information that needs to be corrected. 

The inaccurate information includes : Incorrect Address : XXXX XXXX XXXX XXXX XXXX PA, XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or incomplete information in my credit report. Additionally, entities that furnish information to the credit reporting agencies are required under Section 623 ( 15 U.S.C. 1681s-2 ) to provide accurate information and correct any inaccuracies. 

I have enclosed copies of documents that confirm my identity. Please investigate these matters and correct the inaccurate information as soon as possible. 

Enclosures : Driver 's license with the correct address Copy of a utility bill, bank statement and auto insurance Please confirm in writing that these corrections have been made and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been trying for two days to resolve the issue of my " bank '' refusing to deposit my {$600.00} stimulus payment into my account. I know several people who use the same " bank '' who have already received their payments and yet I have received a big XXXX nothing. What's worse than the hoarding of the money that is due to me, when I confront them about it, they continually bold faced lie and tell me that they " haven't received it '' when I know full well that this is a lie and they are covering for the fact that they were caught holding my money. I gave them a XXXX XXXX deadline to give me my money and this deadline has now passed and Chime continues to lie and refuse to release the money I know full well that they have. Therefore I have initiated a complaint to force them to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on Equifax, XXXX, and XXXX. 

My only XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX, OH XXXX There may be individuals that have the same information as mine. Creditors may have entered my name name and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not be on my report.
Product: Debt collection

I have asked Caine and Weiner repeatedly to stop contacting me. I do not owe them any of my money. The original debt came from XXXX XXXX which I have spoken with directly. I am on a payment plan with them and making active payments. So I would like Caine and Weiner to stop contacting me because I was told I am not doing business with them. Also they are reporting on my credit report and they shouldnt be!!!! I am sick of this company.
Product: Debt collection

I have written into CBS Collections on XX/XX/2022 ( document attached ) concerning this illegal debt. I have no contractual business obligation with CBS Collections, therefore CBS Collections should NOT be reporting a delinquent account to my XXXX, XXXX XXXX XXXX credit bureaus stating that I owe, {$300.00}. Nevertheless, CBS Collections is NOT licensed in the state of Louisiana to " collect '' delinquent debts on behalf of anyone ( document attached ).
Product: Money transfer, virtual currency, or money service

This is what happened leading to this ordeal. I tried to send money to my mother in-law, XXXX XXXX using Xoom.com in the XXXX for {$1500.00} on Saturday, XX/XX/XXXX. I initially sent {$1000.00} using my XXXX XXXX Checking Account but realizing that my mother in-law needed {$1500.00} I sent another {$500.00} minutes later using the same XXXX XXXX account. The first remittance went well without a glitch. But by the following Monday, XX/XX/XXXX I realized that I have an email from Xoom.com that the {$500.00} remittance was pending approval upon review. I called Xooms customer service and verified all the needed information regarding the last remittance. While during my phone call to Xoom I have found out that my account was temporarily put on hold pending verification, so I was not able to log-in into my Xoom account immediately. After the phone call, I went to check my Xoom account online and was prompted to the quick send page of the account and made the mistake of sending another batch of {$500.00} again to my mother in-law. Realizing this blunder, I called Xooms customer service minutes later to plead to them to cancel the last remittance but to no avail. They have said that they cant cancel the last transaction as it was already being processed. I have spoken to at least 2 more customer service reps to plead my case to no avail. I have told them that there will not have enough money available to cover for the extra {$500.00} I mistakenly sent for. Frustrated by not having the results I wanted I emailed Xoom hoping for a better outcome. But same results, Xoom will not budge. So as a direct result of this, by Tuesday, XX/XX/XXXX, I was charged {$70.00} by XXXX XXXX XXXX for overdraft fees. I called Xoom again yesterday, Wednesday, XX/XX/XXXX regarding my case and have found out that they have tried to cover their tracks by saying that I made my phone call to cancel over the 30-minute window. I made a printout of email correspondence from Xoom as proof of the cancelation request with time and date ( the email from Xoom acknowledging my request to cancel is dated XX/XX/XXXX at  XXXX ). And so, prior to the email cancelation request I have called Xooms customer service and according to Xoom they have records of my phone call so it would show that I was with in the 30-minute window.
Product: Debt collection

So I received a call on my work phone from number ( XXXX ) XXXX - XXXX at XXXX XXXX  on XX/XX/2017 claiming to be XXXX XXXX explaining that I had a {$1500.00} debt from XXXX. In the past when they called my girlfriends phone I have asked to send me something in the mail that would verify the debt is valid. I have NEVER received anything in the mail. On the XX/XX/XXXX they called me at WORK on my WORK phone, I asked how they obtained the number and they stated it was from a backlog? I am pretty sure they obtained the number illegally and ignored my request to send valid documentation in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX ( showing duplicate on my credit report ), XXXX ( Original Creditor XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXXL ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account ( s ) below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX, XXXX, has violated my rights under 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 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, 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 ) states : 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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

I would like for Experian to obey the law and block these fraudulent accounts and stop being negligent so I can obtain credit for future endeavors. I 've attempted to clear this matter twice before and if this is n't resolved I will see them in court and SUE. Please block and remove this items per section 605B of the Fair Credit Reporting Act by blocking fraudulent information resulting from identity theft. I filed an affidavit and identity theft report and these items still remain. These are the accounts below : Account Name : XXXX Account Name : XXXX Account Name : XXXX Thanks for your help in this matter.
Product: Debt collection

State Farm Bank still refusing to remove this account which is not mine from my XXXX credit report. I never received any correspondence from this account on how to file a dispute or complaint.
Product: Checking or savings account

I opened a US Bank checking account in XX/XX/2023 with a promotional code XXXX. I found this code and link directly on the US Bank public website and then I proceeded to click on the link which took me to the account opening instructions and also pre-populated the promotional code for me. I carefully read the requirements needed in order to qualify for the {$400.00} account opening bonus ( direct deposits totaling XXXX or more within 90 days of account opening ). I met these requirements in XX/XX/2023. The bonus was never paid. 

I followed up with US Bank several times and was told by several different representatives that I had met the requirements. Ultimately my query was forwarded to the US Bank promotions department who explained that the code which I had found using a public link was a targeted code that was sent out via mailer and only recipients of this mailer qualified for this new account opening bonus. I re-iterated that I had found the code on US Bank 's public website and that nowhere during the application process was there any obvious warning or disclaimer that customers were targeted and therefore could be denied the bonus.
Product: Debt collection

This company LVNV Funding LLC is reporting Fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me and LVNV Funding LLC has not provided the purchase agreement. LVNV Funding LLC continues to falsely report to my consumer report since XX/XX/year> that I owe them a debt. The LVNV Funding LLC shows as a I have written proof that LVNV Funding LLC is refusing to remove the inaccurate information or stop trying to collect the alleged debt as they state they have proof I owe anything to LVNV Funding LLC. I also have requested LVNV Funding LLC contract directly with XXXX XXXX XXXX XXXX as I know that the company purchased that debt that had already been written off and was attempting to collect it from me illegitimately. I have not now, nor have I ever done business with LVNV Funding LLC. For them to park this inaccuracy and lie about investigating and refusing to remove it is willfully noncompliance with the FCRA laws. I already reached an agreement with the XXXX XXXX XXXX XXXX for the role in allowing them to furnish this information without my written consent against my continued efforts to remove the account. 
I am giving the company one opportunity to cure this situation, or we shall have a federal judge look at all these deceptive forms that have been mailed to over the past year in support of their wrongdoing. It all stems from the false misrepresentation of LVNV Funding LLC on my consumer report. I have dealt with this harassment for long enough. For far to long my character has been defamed and comments left by LVNV Funding LLC on my report against my efforts to resolve the situation outside of XXXX court. 

I went on XXXX XXXX XXXX XXXXXXXX and LVNV Funding LLC XXXX not have a license number to collect debt in the state of XXXX 
Please reinvestigate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against TRANSUNION for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, TRANSUNION has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against TRANSUNION for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for TRANSUNION 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX EFS Account Number : Date of Charge Off : XX/XX/year> Amount : {$1200.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have currently been paying on my mortgage since XXXX XXXX XXXX. I have not missed any payments and have paid additional principal amounts. My loan is now being transferred from XXXX XXXX and the new mortgage company, Mr. Cooper is saying my mortgage payment is due XX/XX/XXXX as of XX/XX/XXXX. This amount is incorrect and I see where XXXX XXXX has not credited some of my payments on their account activity made fro XX/XX/XXXX to XXXX XXXX. This is very concerning that a mortgage company can ignore payments that have been made and how often does this kind of thing happen to people because of crooked mortgage companies. This is utterly disgusting. I would like someone to investigate this matter further. I have currently reached out to Mr. Cooper and I will be mailing something out to XXXX XXXX since they only have dispute information via Mail.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX