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

Titan Receivables is reporting a debt on my credit file that needs to be removed. I have previously disputed this account and since then I have not been able to communicate with anyone at Titan Receivables. I never got a response regarding validation of the debt which should've removed it in the first place, but now I can't get in touch with anyone. I have tried calling multiple times to speak to a rep and no one can seem to help me try to get this solved. Despite me wanting to pay it to get it over with, they still can't seem to help me with that. This debt is past the statute of limitations in CA and they can't even collect on this debt anymore but beyond that they have no interest in collecting payment either! This just needs to be removed from my credit file, you continue to report invalidated debt which can be considered fraud under both federal and state laws. If this is not removed I will have no alternative but to exercise whatever rights and remedies I have under the law to enforce this removal, not excluding legal suite against Titan Receivables.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX XXXX account in my name, with my documents, and for years I've submitted an identity theft report to ALL of the major credit bureaus AND the creditor. 

Each company fails to remove the account from my credit report and fails to acknowledge the identity theft, even though I've submitted a police report and a report from identitytheft.gov
Product: Money transfer, virtual currency, or money service

This is the second time I report the same problem as I had no answer from the bank. 
I like to transfer US dollars from my account in Bank of America in XXXX  to my account ( in US dollars ) in XXXX Bank XXXX XXXXXXXX. I like to do the transfer in US dollars, The bank don't allowed me to do it, only in Euros and the rate of change they offer me is much higher that the one I get here in XXXX.
Product: Credit card

My name is XXXX XXXX XXXX and I have a credit card with American Express. Last year of XX/XX/XXXX there was a check # XXXX in the amount of {$3000.00} was mailed to American Express. 

This check was mailed out on or around XX/XX/XXXX and after 30 days of no activiity it was believed that this check may have been lost in the mail. Check # XXXX that was written on my behalf by XXXX XXXX XXXX XXXX and sent to American Express now had a " stop payment '' placed on it. 

A new check was created by XXXX XXXX XXXX XXXX in the amount of " {$3000.00} '' and mailed to American Express. The number on this check was # XXXX and it is dated XX/XX/XXXX. The check was " cashed '' on XX/XX/XXXX and my American Express account recieved the credit of {$3000.00}. I have obtained a photostatic copy of the cleared check # XXXX. It is worth mentioning that my XX/XX/XXXX statement from American Express now shows that I have a balance of {$82.00}. 

The month of XXXX would reflect that everything is fine and that there were no problems. However, in early XX/XX/XXXX it would appear that someone at American Express had found the lost check # XXXX and attempted to cash check # XXXX. When this failed on XX/XX/XXXX AmEx had erronesously REVERSED the credit to my account from XX/XX/XXXX. Now my account is showing a balance of {$3300.00}. 

Over the past 11 months I have made several phone calls and I have explained this situation many times. I have provided proof in the of a copy of the cleared check # XXXX in the amount of {$3000.00} and I have enlisted the help of XXXX XXXX XXXX XXXX employee XXXX XXXX. None of this has help and not I am requesting your help with this matter as well. 

Thank you for your time. 

XXXX XXXX, XXXX.
Product: Debt collection

I reached out to equifax to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Equifax that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Equifax. I also received a copy of my XXXX  XXXX credit report showing proof that it doesnt exist and Equifax us not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.
Product: Payday loan, title loan, personal loan, or advance loan

A line of credit for {$500.00} appeared on my credit reports in XX/XX/year>, I contacted the company via phone and email to notify them that this was identity theft. They refused to provide any information that was given to them to obtain this credit. After notifying them I would be contacting a lawyer and CFPB about them the credit showed closed & paid off within 2 days. I still have never received anything from this company in writing or via email with regard into how this online credit was done.
Product: Payday loan, title loan, personal loan, or advance loan

I have been receiving emails on XX/XX/24 From Title Max XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : Title Max {$3900.00} Contact : XXXX Docket # XXXX I have been a victim of Identity Theft, I have had bank accounts opened in my name, I have gone through all my bank statements, I never applied for a loan from these people, I never accepted a loan from these people, Some how they have all my information, and are trying to scam me.

I refuse to pay for something I didn't do, I will get a lawyer and fight this to the full extent of the law, All I asked for was proof from them, that I received money from them, all they showed me was my information,
Product: Credit reporting or other personal consumer reports

Acct Name : XXXX XXXX XXXX Co XXXX : {$3500.00} Acct Number XXXX According to FCRA XXXX ( b ) ( XXXX ) ( D ), which mandates that if the results of a dispute leads to the determination that information is inaccurate, then the furnisher must report the correction or deletion to all CRAs to which the information has also been reported. Update or deletion with only the CRA that is handling the dispute is not adequate. 

XXXX has deleted this item from my report based on the information received from the creditor, Attached is the official XXXX report showing it as deleted.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAVE VIOLATED MY FAIR CREDIT REPORTING ACT. I BEEN CONTACTING AND SEND DOCUMENTS IN TO THEM FOR 6 MONTHS AND NOTHING HAVE GOT SOLVED
Product: Prepaid card

My card was closed by Blackhawk and they are taking their time getting the funds back to me. I have submitted all the docs that they need, yet it is taking them a long time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself insert name last four Social Security number is XXXX XXXX XXXX XXXXXX/XX/year>. Please delete the following accounts. 


XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I ordered a wire to be sent on XX/XX/XXXX  through XXXX XXXX. The Wire was sent early XX/XX/ to a Wells Fargo Account. We kept checking in with the recipient to see if they had received the payment and even after a week, they could not see the wire in their account. 

I checked with my bank, XXXX and they reported that the money had been sent. Called Wells Fargo with the recipient on the phone and they did not see the wire and referred us back to XXXX, the sending bank. 

After not getting anywhere by calling and emailing the banks, I ordered XXXX to do a wire recall on XX/XX/XXXX XXXX 

Today is now XX/XX/2023 and so far my bank XXXX has not heard back from Wells Fargo related to this wire. 

We have confirmed that the account and routing numbers were correct. And if XXXX is correct in saying that the money is somewhere in Wells Fargo, then Wells Fargo just needs to look for it and send it back. 

XXXX has provided an IMAD number to look for the wire and Wells Fargo won't even try to look at where it went. 

This is a domestic wire, between business accounts, we have never had a problem with XXXX, I haven't had a problem wiring to XXXX XXXX XXXX XXXX XXXX, so I'm surprised that not only did we have a problem with Wells Fargo, but that they are so reluctant to look into this issue.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by XXXX XXXX. I was notified of this transgression specifically XXXX XXXX XXXX The Truth in Lending Act by XXXX  XXXX ( XXXXXXXX  ) on XX/XX/2021 on their website after completing my pre approved online application. I as a natural person was harmed by XXXX XXXX adverse action taken against me denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are up to ( XXXX XXXX XXXX is now civily liable to pay me for the damages.
Product: Student loan

My loans with XXXX XXXX was transferred to Navient, since they came on with this company been a calling asking for some type of financial assistance, whether its forbearance, deferment, or income base payments, everyone gives you a different response and now my loans is 4 months late effecting my credit while other lenders have been of assistance. The representatives are rude, they continue to transfer to XXXX rep to another rep to another with no one who can give you consistent answer, its overwhelming and unfair to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX consistently & fraudulently puts them on and off of my report as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX Balance : {$3600.00}
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXX ASSOCIATED WITH XXXX XXXX AND XXXX XXXX ( XXXX ) XXXX AND ( XXXX ) XXXX ATTACH WITH TEXT MESSAGES SENT MOBLE CHECKS IN MY BANK WITH ME AND MY BANK PERMISSION MOBILE CHECKS WERE PENDING AND CLEARD WITHIN XXXX FUNDS WENT AVAILABLE FOR USE I FOLLOWED THE IN STRUCTIONS OF DEPOSITOR ON TRANSFERRING THE FUNDS ON XXXX  GIFT CARD {$3000.00} WAS ABOUT THE TOTAL FUNDS THAT CITIBANK ALLOWED IN MY CHECKING ACCOUNT YES CITIBANK HEADQUARTERS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CITI BANK PUT MY ACCOUNT IN - {$3000.00} AND TOOK MY XXXX MONTLY DEPOSIT WERE AS I HAVE SCHEDULED PAYMENTS EACH MONTH NOW I CANT PROCESS LOANS OR PAYMENTS CITIBANK SAID MY WAS OVERDRAWN AND FUNDS WAS NOT COLLECTED FROM THE MOBILE CHECK DEPOSITORS WHICH TOOK MY XXXX MONTHLY DIRECT DEPOSIT FROM XXXX XXXX XXXXXX/XX/year> THERE WAS NOT OVER DRAFT FUNDS SPENT AND THE BANK CLEAR FOR FUNDS TO BE SPENT FROM DEPOSITORS. I HAVE PROVIDED INFORMATION CONCERNING BY BANK AND DEPOSITORS CITIBANK CLOSED MY ACCOUNT WITHOUT MY PERMISSION IN THE ATTACHMENT SECTION
Product: Credit card or prepaid card

XX/XX/XXXX the following two charges were taken from my pre-paid Net Spend debit card. 

XX/XX/XXXX XXXX XXXX XXXX CA {$19.00} - {$13.00} XX/XX/XXXX XXXX XXXX XXXX CA {$19.00} {$6.00} I have never heard of this company nor had I purchased anything that would fit those amounts. I have had some computer issues so I did not see these until several days after they were posted. I was upset because the second charge resulted in an overdraft situation in my account. When I saw them I called the number listed with the charge. I spoke to the man who answered the phone. He did say the name of the company ( not XXXX ) so I asked him if XXXX was part of that company. He said that XXXX had gone out of business in XXXX and that he had no idea who was using that name to make charges. He said that he would give me the number of someone who might be able to help me. I called that number and spoke with a woman who, as soon as I mentioned XXXX and why I was calling, answered with her voice shaking. She repeated several times that she did n't know anything about what happened to XXXX or how I could contact them. I called the original number back and just got a recording, with no mention of XXXX. I then contacted the Net Spend Customer Service and spoke to one of the agents. I explained why I was calling and said I wanted to have these charges removed, as they were fraudulent. He took the information to start a claim. Having said that, I have been dealing with Net Spend for more than three years. I have had more than one claim started with their customer service department and, when I call to check the status a week or two later, there was no claim started. I have a list of incidents where I am totally amazed that they can stay in business. I have records of all of those and, if necessary, would be happy to send them to you. There is actually one that I will be filing another complaint to you for more than {$200.00}. On XX/XX/XXXX there was another payment of {$19.00} taken for XXXX and again on XX/XX/XXXX. This time I initiated a claim online on XX/XX/XXXX. Net Spend usually takes at least a month to investigate any claim and I have waited longer than that. To my surprise, I received a notification on XX/XX/XXXX that the investigation did not find any error in the transaction so the company would be keeping my money. I did ask if the fact that I never heard of the company and have nothing that I could have gotten from the company since I do not know what they sell was taken into consideration. I have not gotten an answer to that question. I also requested the paperwork of the investigation which I was informed today would take about ten days. That is four days longer than it took for them to decide I was not getting my money back. I am XXXX years old and on a very limited income so the amount close to {$80.00} will cause a burden to me. I have told Net Spend this more than once but it makes no difference. The vendor is always right ... not their client.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX  days before the payment due date. XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and 1 seek appropriate redress these violations.
Product: Credit reporting or other personal consumer reports

Someone had used my information to apply for a JPMorgan chase credit card on XXXX XXXX.A hard enquiry was made on my accounts.i want it removed.i reported to transunion and I put freeze on my account.
Product: Mortgage

I have a XXXX from XX/XX/XXXX I just received corrected XXXX dated XX/XX/XXXX Previous complaint regarding a duplicate deferral that was added to my account was supposedly removed in XXXX yet my interest On my XXXX Did XX/XX/XXXX, is more than it was on the original XX/XX/XXXX interest!!! I received this document via online with no description or definition of why the changes occurred!!! 

You back out my entire accounting for the last year going back to XXXX to find that you are the ones that made the error reposted everything and not posted correctly. I ended up owing more than I did before. I filed the complaint which is impossible if youve removed the deferral.! I do not need a XXXX ton of documents. Ive already received from you. I need a letter describing why these things are in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Checking or savings account

I opened an account with {$10000.00} on XX/XX/XXXX and deposited at HSBC Bank. I left the amount in there for the terms requirement and longer to received the {$350.00} bonus but never received it. I messaged the company after 120 days but was told to wait the full 8 weeks from the 90 days point. I was told at the time, I fulfilled the requirement and would get the bonus. I waited the full 8 weeks and chat with them again, just to be told the marketing team will be going in to it on XX/XX/XXXX. The message, I received is that the marketing team will investigate and get back to me within 3-5 business days. I waited until XX/XX/XXXX and still have not received a response. Here is the terms of the of the account. 

Advance checking {$350.00} bonus requirements Open new HSBC Advance checking account by XX/XX/XXXX Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX pts and that isnt correct. My credit was XXXX and now reporting XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 a man from Kentucky accessed my online bank profile and account at Chase bank and removed the secondary joint holder and put a new, his name on the account and changed the address of the account then transferred {$60000.00} without either of the original primary or secondary account holders convent. Filed with Chase and made police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX ( Original Creditor : 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  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 instruction.
Product: Credit reporting or other personal consumer reports

There are several acct on Transunion report that need to be removed if not updated. Several accts have been paid as agreed and removed from XXXX or XXXX.