23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking 2.5hrs of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take XXXX days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.
Product: Vehicle loan or lease

My car pyt was paid on due date of XX/XX/XXXX and cleared my bank. The Hyundai Motor Finance online shows my XXXX pyt as late and I have called them twice to complain. They say it is a computer klitch and they cant fix it. I said I dont want my credit report affected by this and they said they couldnt control that. I have never been late with any payments and I dont want my credit affected by this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to address discrepancies I have identified on my credit report. As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate report. Please investigate the following accounts and provide supporting documentation : - XXXX  ( XXXX XXXX XXXX ) - XXXX  ( XXXX XXXX XXXX  ) If the information can not be verified within 30 days, I request that these accounts be removed from my credit report. 

Please send the results of your investigation to me via email. For verification purposes, I have included a copy of my passport. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Someone used my information to fraudulently open account or obtain services under my name. I filed a police report over this matter. XXXX XXXX is now reporting one of these accounts to my Equifax Credit Report.
Product: Credit reporting or other personal consumer reports

I attempted to login to my XXXX  account and the dual factor authentication that was supposed to send a text to my phone never came through. By using a link from the identitytheft.gov website to the XXXX website, I was able to gain access to my account and see that phone numbers and addresses had been added to the account that were not mine. In addition, a fraudulent " Consumer statement '' was added that said that any attempts to apply for credit were fraudulent and gave a phone number ( which was also added to the account ) to call. I had the EXACT same information added to my XXXX account, but was able to reach customer support and have the account deleted so I could create a new one and dispute the inaccurate information. I have had no such luck trying to get through to anyone in customer support in XXXX despite spending over 8 hours attempting to do so. The XXXX account fraudster changed the password and added the following email and phone number to the account. Because of the change in password, I am unable to delete this information. email is XXXX and the phone number is XXXX. In addition, the Consumer statement referenced a number of XXXX
Product: Consumer Loan

I bought an auto from XXXX XXXX in XXXX within the 45 day return period the transmission went on the vehicle. I was able to negotiate with XXXX & purchase a different vehicle, which was paid off in XXXX. I received a judgement letter from Palisades Collection ( dated XXXX/XXXX/XXXX ) in XXXX XXXX & an " executive notice '' from the county sheriff 's department from palisades just this past month ( XXXX ). I have sent palisades a request for more info. I recently received the same letter from XXXX XXXX XXXX XXXX.. I guess they are representing PC. I responded to them with the same request. I never received any type of court orders prior to these notices. They are 2nd & 3rd party collectors, trying to collect a debt that I do not even owe, that is more than the statue of limitation in NC. They have threatened to take my personal possessions. I have requested them to cease these actions, however they have continued to harrass.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX Equifax - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my XXXX, Equifax, and XXXX   reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.
Product: Credit card

I have two credit cards with capitol one. A Walmart Capital One Card and BJs Capital One credit card. I had a problem with my checking account and made a payment to these accounts. Unaware I used the account that had and issue ( card lost ) the payment did not go through. I immediately I made another payment with my debit card and the payment went through for the BJs credit card. The Walmart credit card payment somehow went to the incorrect account again, which I was told by Capital One Walmart customer service that it was because they do not accept debit card payments. Once I realized the Walmart payment was not made I finally got the payment to go through my debit card which was successful. When I contact capital one the supervisor names XXXX said that they do not accept debit card payments so this why it did not go through. I noticed that the payments tried to go through an account that I was not using. All of these payments have since gone through my debit card and have been paid. Capitol One decided that this was a violation of their terms, which I was never aware of. I did not know trying to make payments would be a violation, I do understand that these payments were unsuccessful until I finally got them to go through the right debit card account. So now my credit is being ruined by Capitol One closing these accounts. I am not sure why they closed the BJs credit card, I am told because the Walmart credit card terms were violated they closed all accounts. I am trying to understand how they can terminate my cards without any notice, without regard to the damage it creates on my credit reports, and why they would cancel an account that was not even involved, I was just trying to pay my credit cards. Capital One states that they can close these at any time and I have no right to appeal the decision, if I am trying to build my credit how can I if I can not control or fix a problem that is ruining my credit. I am trying to understand what recourse I may have and what I can do.

Thank you for your time and help.
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. 
Account DEPTOF ED/XXXX  : # XXXX, Account XXXX  XXXX XXXX XXXX XXXX XXXX, Account XXXX  : # XXXX, Account 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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage company, XXXX XXXX through servicer Select Portfolio Servicing, has refused to give me an accounting of my payment history, yet monthly tells me that I am in arrears on my mortgage. They filed a Motion for Relief from Stay in my XXXX XXXX case, and I paid those arrears. Since XXXX of 2022, they have refused to provide an accounting of my payments or my payoff amount so that I may refinance my mortgage with another entity. 

The refusal to provide an accounting has caused numerous fees to accrue to my mortgage and is harming my bankruptcy case. It also prevented me from refinancing my mortgage with another lender.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed. 

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 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both XXXX and Early Warning Services that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and Early Warning Services. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
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. 

Account name : XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account number XXXX Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX & XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name : XXXX  XXXX  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 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 ) 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: Debt collection

From XX/XX/XXXX to XX/XX/XXXX, I was under the care of the State of Texas through the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, TX for XXXX XXXX XXXX XXXX. My Dr. at XXXX was XXXX XXXX XXXX and she made several referrals to the local Dr. 's to address health concerns they were unable to manage. Transportation to the referred doctor 's were handled by a contracted company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was transported by this service several times, all to Dr. 's within a 17 mile radius of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was the only transportation available and required by XXXX XXXX for patient transport. The State of Texas/XXXX routinely billed my XXXX XXXX Health Insurance, XXXX XXXX, for services and would be reimbursed by XXXX  and the State of Texas then picked up any additional charges that XXXX  would not pay, as per the State of Texas contracts with XXXX providers. XXXX XXXX XXXX began billing me for services that were exaggerated in mileage, incorrect dates, and for charges exceeding {$2000.00} that I was not resonsible for. I reached out to XXXX XXXX XXXX to dispute the bills I was recieving. I reached out to XXXX XXXX XXXX at XXXX XXXX  numerous times to address this billing problem. XXXX XXXX XXXX then sold this fradulent debt to Wakefield and Associates who then placed three collection accounts on my credit report, all three credit bureaus. My credit score of XXXX has dropped to the XXXX XXXX because there are three fradulent charges that are not my bills. I have disputed with all three credit companies and I am not responsible for any of the charges listed on my credit report. These are fradulent and should have been paid by the State of Texas. I have also reached out to my Texas House Representative, XXXX XXXX, to no avail to address this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud INQUIRIES on my credit report. The Equifax bureau seems to ignore the trend and let these fraudulent INQUIRIES affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the INQUIRIES claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the INQUIRIES immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting a collection with a past due balance on my credit report. I have disputed this inaccurate collection with them previously but they continue to report it on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  that Amerihome Mortgage was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX Mortgage that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX Mortgage has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, Amerihome Mortgage also signed off agreeing to everything I just typed. We feel the attorneys representing Amerihome Mortgage is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at Ameirhome they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified XXXX  of the error in reporting our mortgage status and within 1 hour I was notified by XXXX  that they deleted the trade line from our credit bureau. Now it appears that if you ran our XXXX  Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.
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 procest 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 3,990 have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

Genesis credit has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking Genesis credit to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I am trying to help my mom transfer money she has in XXXX to the USA. It is currently in her Deutsche Bank account. I can not get a wire transfer to the US to work. However a transfer of some funds within XXXX is no problem. So moving it to the US is the problem. I have spoken to the banks on both ends of the transaction and they say they try but it will not go through. this leads me to believe that the US treasury or?? is blocking this. Mom is XXXX and may not have declared the origin of the money ( sale of a property she got from her deceased husband ). How can I fix this so we can invest that money to help cover her expenses?
Product: Credit card or prepaid card

I have an American Express XXXX XXXX that had a {$1200.00} balance prior to XX/XX/2022. I went to use the card on XX/XX/2022 and found out it had been depleted with false charges not made by me. I was told by customer service I had to contact each merchant and try to recover the funds. The card was placed on hold during this process. I did this and was able to recover {$860.00} of the amount and the merchants returned that to the card. I have been calling and requesting a replacement card for 2 months and do not receive it. The customer service tells me there is not a way for them to provide proof the card is being sent or to send it with a tracking number. They claim to have sent 3 replacement cards that never arrive. I am told a different version of the process, timeline and story every time I call. I am asked for additional information that was never asked before and told that is why I have not received it, while also being told the cards have been sent. The wait times for customer service are lengthy, over 45 minutes typically and often the call is disconnected mid conversation and no one returns the call. I can not believe American Express would have their name on XXXX XXXX card that has this horrible level of customer service and all out fraudulent behavior. The fax and email address point to XXXX which has tons of similar complaints and news stories detailing this fraudulent and evasive behavior.
Product: Checking or savings account

Last year ( 2022 ) between XXXX and XXXX Wells Fargo bank charged me XXXX $ of overdraft fees. Some of those fees have been posted 3 times on the same day for XXXX different transactions, XXXX $ each. The same charges have happened many times over the period of 6 months. the total overdraft fee I paid in XXXX was XXXX. 
I called them trying to waive some of the overdraft fees ( since all transactions happened on the same day ) but they refuse to refund me some of the fees. 

The question : is it legal for the bank to charge an overdraft fee 3 times in XXXX day? In my opinion, they should not process the second and third payments if the account is already has charged for overdraft. 

Note : Bank statements ( XXXX and XXXX ) are attached. 

Respectfully.