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

I have direct deposit with cash app of my weekly payroll checks I also have short term loans with cash app, I have my payment removed once my check is deposited I noticed other $ removed by them 2 times that I have found the removed XXXX % of a check for {$660.00} in the amount of {$54.00} and then another one for {$35.00} which was XXXX %. I also submitted a picture of a normal payment and all that says on there is for cash borrowed theres no percentage taken out of my check. They literally tax a percentage off of different checks and called them payments, but they never showed up on any of my transactions and theyve also got percentages of other payments but their actual payments why would they tax my whole check? I have repeatedly sent them request for information on this and they tell me that basically none of my business that they cant give me any more information on it. I just wan na know whats going on with the money they removing from my account in the meantime I still owe them money, but I told them I wasnt gon na pay them till I got answers so they have continued to charge me interest on money thats owed Without giving me answers to my questions which as far as Im concerned, its just another way of ripping me off answer my questions I would pay them what I owe them, but I want a complete accounting of the money I borrowed and the money that I paid them and they will not give that to me they keep telling me there is no further information that can be given on this account I have had my checks from work deposited into them for months and months and Im really concerned about them having control of my money for this long and me finding these kind of discrepancies I have attached a copy of my complete communication with them back-and-forth. Thank you for your help. I put my phone # wrong & could not correct it XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  XXXX  Transunion XXXX XXXX XXXX  XXXX Thank you for your help!!!
Product: Debt collection

XXXX XXXX  was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to Mitchell Rubenstein and Associates as it pertains to this account. I did contact Mitchell Rubenstein and Associates on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both XXXX and XXXX telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.
Product: Checking or savings account

Bank of America tried to open account and said that they could certify my identity .I sent them my driver license and social number and still wouldnt open checking account
Product: Debt collection

I received a call regarding a debt which is not valid. The debt collector stated, and repeated, then confirmed that if I did not pay this debt I do not owe, or provide information from my insurance company, they would file a complaint with Washington State Department of Licensing to have my license suspended.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? Again, this situation is making me sick! Experian is not removing or blocking an account per FCRA regulations when I submitted an FTC and Police Report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 9 accounts reporting to Experian which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the banks and they agreed to not report the accounts on my file. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. 

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, 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, 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

Five years after the account was charged off which was XX/XX/XXXX Wells Fargo started reporting a charge off and will leave it on till XXXX that's unfair. She just suddenly hit me with negative credit information I have to live off of my credit. They should've done that five years ago and that's not my fault. Please help me.
Product: Mortgage

M & T mortgage required me to send my Fire and Casualty claim check to be held in escrow for home repairs. My damages were XXXX XXXX and they hold my money even though i have been displaced. I am not going to have a place to live due to the amount of time it has taken to get started on my home repairs. They have my check for {$44000.00} and are in no hurry to help me.
Product: Debt collection

I was in a car accident on XX/XX/2017 and XXXX XXXX paid all my medical bills. Medical center of XXXX submitted medical claims 2 years after my accident and XXXX said they dont pay claims after 2 years after XX/XX/2017. XXXX XXXX turn the medical debt of XXXX over to Waterfall Revenue Group. I sent an email and chatted to XXXX XXXX about this issue and said XXXX doesnt pay medical claims after 2 years of an accident. I checked my credit report and I now have a collection debt for the medical claim for my XX/XX/2017 accident from Waterfall revenue Group. This medical debt is less than XXXX but it was reported on all XXXX credit reporting agencies.
Product: Checking or savings account

On or about XX/XX/2023 I wrote a check from my business account to pay my landlord for the lease. I personally dropped the check in a XXXX mail box at the XXXX location in XXXX, California. The check was stolen and cashed by some individual over at XXXX XXXX XXXX on or about XX/XX/2023. I found out because I received a call from the fraud department from XXXX XXXX XXXXXXXX. I told them the check was not supposed to have been cashed by anyone other then the intended payee, a business with the name of XXXX XXXX, XXXX who does not bank at XXXX XXXX XXXXXXXX. The fraud department at XXXX XXXX XXXXXXXX told me to file a report with my banking institution XXXX XXXX Bank XXXX ), they also denied any more information as to how, why, when and who cashed the check. I immediately file a claim in person at the local Union Bank MUFG branch located at XXXX XXXX in XXXX California. I was given a few affidavits for both me and my landlord to fill out, have notorized and return to them. XXXX XXXX, the branch manager at Union Bank, handled my claim personally and he gave me and also took back the completed affidavits from both my landlord and my self. I was told to wait 30-60 days for a refund. 60 days passed and there was no refund, no formal communication ( mail or email ) of any kind or news on my claim. I then went back once again to the Union Bank branch to get an update on my case and was told that apparently Union bank had already done everything on their end and was now just waiting to hear back from XXXX XXXX XXXXXXXX, who apparently had another 60 days to resolve the claim and finish their investigation. During those 60 days US Bank acquired Union Bank MUFG. I believe the 60 days were already up this last XX/XX/2023. Up until this day I have not received a refund nor any kind of status or update on my claim. Every time I call to inquiere about my claim Im always given excuses and cant get any update or resolution to my claim. I believe Im entitled to at least a temporary credit of my stolen funds {$2800.00} since I was a victim of fraud and have done everything in my power to facilitate the banking institutions investigations. XXXX XXXX XXXX should not have accepted a check that was clearly written out with a payee that is a business banking somewhere else, a check that was not addressed to one of their customers and Union Bank shouldnt have release my funds to anyone else other than the intended payee who was clearly written on the check. Both banking institutions, XXXX XXXX XXXXXXXX and Union Bank needed to do their due diligence on checking the identity of the person cashing the check in order to prevent fraud as a normal business practice.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for their failure to provide any proof of validity or factual record in response to my inquiries regarding my credit report, and for their treatment of inaccurate or unverifiable information. I have made multiple requests for this information, but have yet to receive a satisfactory response. As a consumer, I have a right to access and review my credit report, and to dispute any inaccuracies or errors that may appear on it. However, without proper validation and factual documentation, I am unable to verify the accuracy of the information on my credit report. In accordance with the Consumer Financial Protection Bureau regulations, if after investigation, an item of information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency is required to promptly delete that item of information from the file of the consumer. I am requesting that Equifax immediately provide the necessary proof of validity and factual record in response to my inquiries, and that any inaccuracies or errors on my credit report be promptly corrected and deleted as per the above regulation ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Furthermore, I am requesting that the Credit Bureau investigates and takes appropriate action against Equifax for their failure to comply with the regulations as described by the Consumer Financial Protection Bureau. Thank you for your attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this XXXX Santander consumer usa has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, opened an account with Chase credit journey. And today XX/XX/2024. I received an email from them. 
The email stated, that there has been an inquiry to my credit. From none other than chase credit cards. Seems a little weird, because i did not apply for a credit card with Chase Bank. I called them, and they said they would get back to me. I have read lately, anout customers having problems with Chase Bank i am not surprised after what happened to me today. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into with my purse and my kids information in it. And I was checking my credit score to try to purchase something and to find out I have all kind of false information on my report that I have no knowledge of.
Product: Payday loan, title loan, personal loan, or advance loan

I realized I was being charged over 700 % APR and according to the state of Florida usury laws, any loan over 25 % interest is unlawful and considered criminal. This company is a scam and is hounding to be relayed with that interest.
Product: Credit reporting or other personal consumer reports

I submitted XXXX previous complaints stating that the payment history on this account ( XXXX XXXX : XXXX ) was illegally being reported inaccurately. The information came back as verified, however the inaccurate late payments remain on my credit report. I attached the results of the investigation done by XXXX, who correctly confirmed that the account was in-fact paid on time and never late. This company is violating my rights by continuing to report these late payments and credit reporting agencies have been sued in the past for reporting inaccurate information. See below for the court lawsuits : Clark vs Transunion LLC, Civil Action No. 3:15-cv-00391 Tamara S. Frazier v Equifax Information Services LLC , Civil Action No. 1:2020cv06725 Please immediately correct all late payments and update this account to PAID ON TIME/NEVER LATE, or I will be forced to take legal action. Thank you
Product: Mortgage

Unified Lending Inc. located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX UT XXXX, sent an advertisement to me which was intentionally designed to look like it came from my mortgage lender. The flyer references my lender and my account number in bold type, which is confusing to consumers and deceptive. This type of advertising is specifically prohibited by Regulation N 1014.3 ( o ) " The source of any commercial communication, including but not limited to misrepresentations that a commercial communication is made by or on behalf of the consumer 's current mortgage lender or servicer ; ''. The advertisement also violates UDAAP. I have attached the advertisement and strongly suggest that this type of marketing by Unified Lending Inc. immediately cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX ( XXXX ) XXXX Made an accounting error XXXX XXXX on my car loan. This was a payroll deduction from XXXX XXXX, XXXX PA that was applied to my savings account instead of servicing the car loan. The accounting error showed my payment over 30 days late. I was unaware if this until 2 weeks ago and my credit score dropped 112 points. I called XXXX XXXX XXXX and they removed the derogatory past 30 days from my account. I had also paid of my car loan early on XX/XX/2020. I had reported this problem to Experian that the credit report was wrong and I was disputing the derogatory on a late payment. Experian in mails said they would investigate. I received an email yesterday saying the investigation was complete and the derogatory was accurate. This morning I called XXXX and they assured me they had removed the derogatory last week and admitted they made the mistake. Had Experian really done an investigation they would have seen this was an error and was corrected by XXXX in XXXX, PA. My next step will be to file a formal Complaint with the PA State Attorney Generals Office and Consumer Protection Agency and the Federal Trade Commission against Experian and any other credit agencies showing a derogatory on my XXXX account. Thus has done harm to my credit in good standing and put me in a precarious spot if I need a loan in the future.
Product: Credit card or prepaid card

Macy 's XXXX XXXX XXXX has a fraudulent charge of XXXX}. I tried reaching out for last 3 months. Macy 's XXXX XXXX XXXX can not solve it. On top of it. They charged me late fees and charges. 

I finally had to pay XXXX} for the charges that I had not even purchased. Macy 's fraud detection lines are mostly unreachable. I also tried through social media and no luck.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that my information was incorrect
Product: Credit reporting or other personal consumer reports

1 ) I have unauthorized credit inquiries XXXX XXXX on XX/XX/ i did not authorized 2 ) .XXXX  on XX/XX/ was not authorized 3 ) XXXXXXXX XXXX was not authorized
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint about Equifax through the CFPB here is the number associated with the dispute that is still open XXXX. Equifax continues to not follow procedures according to the FCRA and continues to provide stall tactics to prevent my disputes from being heard and my report being rectified. They are in violation of sections 607, 609, and 611 of the FCRA. I recently received mail indicating that they need more identification in order to open my dispute when my drivers license and proof of address documentation was given in the complaint listed above. I am requesting the CFPB step in in order to rectify what Equifax is doing. I am attaching the letter I received when my identification has clearly already been provided I've requested an investigation and here is exactly the request according to the open dispute XXXX : The account reporting is in violation under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy. XXXX XXXX XXXX  Account Number : XXXX. Not only that but the account was never properly investigated through Equifax. I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. FCRA Section 623 states the responsibilities of furnishers of information to credit reporting agencies. FCRA Section 624 has information concerning the responsibilities of credit reporting agencies upon receiving notice of disputes. I am demanding to see verifiable proof of what is on file for the accounts listed in my dispute. Failure to provide this proof has adversely impacted my ability to obtain credit. Removal of Unverified Accounts : As per the FCRA, states that when information on a consumers report can not be positively verified must be removed from my credit report. If you are unable to furnish a copy of verifiable proof, you are obligated to remove the accounts listed in my dispute or update it using the facts given to you by the consumer. This account listed is a clear violation of FCRA Section 609 ( a ) ( 1 ) ( A ) : This section explicitly requires the verification of original signed consumer contracts for all accounts posted on a credit report and I should have been given a proper investigation. My report is still misrepresented and none of the information reports the same on any of my consumer reports. It is evident that my dispute must be adhered to and I am requesting the CFPB to step in to ensure it is rightfully executed. Please refer to my attachments for my complaint in order to adhere to my request and please send an updated copy of my credit report as well. Another violation that has happened which is a violation of 1681g ( a ) ( 1 ) which requires a consumer reporting agency to provide consumer reports upon requests which did not happen.
Product: Debt collection

Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX XXXX XXXX i had account # XXXX been paying for 2 years plus, which was for my debt with XXXX credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of XXXX and below says for XXXX XXXX  XXXX XXXX.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the XXXX. XXXX XXXX XXXX put those checks in. It should be applied for this account XXXX. And basically that is the complain to XXXX. Thank you so much.
Product: Debt collection

Initially was not given a written notice to dispute debt. After I received it via email, I responded in writing to dispute the debt. I did not receive any response, and was then contacted months later stating they had reported the debt to the credit bureau. I had requested documents to forward to my lawyer, but they stated they could only provide verification and documentation to the lawyer and would not provide any verification of the debt. After speaking with my lawyer, he advised that it would not be financially beneficial to retain him for the amount of the debt and advised me to file a complaint for the company 's lack of compliance of debt collection policies and procedures.