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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for a collection account XXXX. ) # XXXX, {$1200.00}, account XXXX. ) # XXXX, {$1200.00} account XXXX. ) # XXXX, {$2100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by lawand they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have called 4 times to have my account updated and I have gotten poor customer service by the associates. I submitted a {$1700.00} payment to my escrow account to be applied for escrow shortage. 

My required monthly payment for XX/XX/2021 is incorrect and it should be updated. I also think that the monthly escrow account is way too high considering that I already paid half of the shortage.
Product: Credit card or prepaid card

I recently applied for a government-sponsored travel charge card with US Bank XXXX I received correspondence from US Bank concerning the new account that displayed my full social security number on the visible portion of the envelope. My SSN was printed in full under my name and was visible while in transit.
Product: Debt collection

I received a credit reporting alert that a company Debt Recovery Solutions is reporting to credit bureaus ( XXXX, XXXX, XXXX ) a collections/delinquent account for non-payment. This is a fraudulent attempt to collect a debt I NEVER owed. This has negatively impacted my credit score. Please take action against this company. I have already contacted XXXX, XXXX and XXXX to report this fraudulent activity. I have also escalated this matter to my legal team and State 's Attorney. Please instruct this company to delete this fraudulent account from my credit file ASAP.
Product: Debt collection

I requested that this company provide me with an itemized list of charges that I supposedly owe. They have placed this as a collection on my credit reports. They have ignored my request and I have not received the documents I requested to verify that I owe this debt. I have attached a copy of the letter I sent,
Product: Debt collection

Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from XXXX your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number? 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried TWIC -- once in XX/XX/XXXX and once in XX/XX/XXXX -- to get my free credit reports from Equifax and XXXX. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly Equifax, XXXX just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XX/XX/XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months
Product: Debt collection

Subject : Complaint Against XXXX XXXX and Aldous & Associates In XXXX, I visited a friend in XXXX, XXXX, and signed up for a membership at XXXX XXXX, intending to use it for two weeks. Due to an emergency, I had to return to XXXX  earlier than planned. I only attended the gym for two or three days.

Once in XXXX, I called the gym to cancel my membership, but I was told I could only cancel in person in Florida. I explained that I lived in XXXX  and could not return to XXXX, but they said this was not their problem. 

After my first attempt failed, I called again because I noticed I was charged for another month. This time, I was told I could cancel by mailing a letter and a copy of my ID. I followed their instructions and sent a letter explaining that I was in XXXX, could not return to Florida, and only signed up for one month. 

Two weeks later, I called the gym again to confirm my membership was canceled, but they claimed they had never received my letter. After this, I got busy with school and other personal matters and forgot about the issue.

Later, I started receiving emails from Aldous & Associates. At first, I thought they were spam because I get a lot of spam emails. Unfortunately, I didnt realize the emails were related to my membership until I saw my credit report. I noticed that my credit score dropped by nearly XXXX points due to a collection from Aldous & Associates for {$160.00}. 

This situation is very concerning for me because Im working on building my credit, I have made all my payments on time, and my credit record is 100 % positive until this incident. I am very committed to protecting my credit score, which is why I want this issue resolved. 

I am willing to pay the {$160.00} if necessary, but I believe this situation is unfair. I tried to cancel the membership in good faith and followed the gyms instructions, but they did not confirm my cancellation. It is unreasonable for my credit to be damaged over an issue caused by the gyms restrictive and inflexible cancellation policies.
Product: Credit card or prepaid card

this bank really needs to stop playing with me ok you guys know XXXX has no Chips in these prepaid cards cuz its not in the one I have now I didnt authorize any withdrawals from my account and you guys know my card was stolen so fix my account please my claim for XXXX XXXX my claim for XXXX I do not have time for this company to be trying to come up with any and every excuse for delaying or not trying to give me what Im entitled to they are stealing they keep approving XXXX claim and denying the other then approving them again just stop and give me my money XXXX it!!!!
Product: Checking or savings account

For 2 months in row they was over {$7000.00} deposit into my checking act leaving me with {$57.00} they no way this possible that is {$15000.00} this been happening & something not adding up or right at all
Product: Credit card or prepaid card

Hello. I am experiencing an issue with the company Square that facilitates credit card payments. I am the owner of a car repair shop, and I also sell wheels and tires. I received a call fromt a customer wanting to purchase a set of four ( 4 ) tires. The payment was made through the phone, the customer sent his driver 's license with a picture and adress, and then we proceeded to the payment using Square 's app. The customer provided a credit card number, expiration date and the 3 security digits in the back of the card. The payment was accepted by Square and went through. I ordered the tires, and as soon as I received them I called the customer to come pick them up. He picked up the set of four ( 4 ) brand new tires and went away. About a month later, I received a message from Square that this charge on the credit card was disputed by the cardholder. Square withdrew the money from my bank account, until the cardholder 's bank resolved the issue. 90 days later, I got a response from Square that the bank is calling the decision in their customer 's favor. I contacted Square, demanding an explanation how the bank took this decision, but they are not willing to provide me any details on the bank 's decision, nor which bank it is or what so ever. So how can I be sure that the bank really did take that decision? To me this looks very sketchy, and it looks like Square are not willing to provide any details because they are keeping the money for them, even if the bank made a decision to pay back the money. I am thinking that since Square are not willing to provide any details, the bank might have gave them back the money since it's their cusomer that did not protect his credit card information and Square are just stealing the money. Which is pretty much a theft. I would need your help to resolve this issue, since I have no idea who else to ask for help. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the claimed balance of {$1100.00} on my account, as per complaint number XXXX, and to address the unlawful reporting of these disputed charges to credit bureaus, which I believe violates my consumer rights under federal and state law. 

XXXX of Apartment and Unaddressed Maintenance Issues : As previously stated, my apartment suffered from severe infestations and mold, making it uninhabitable. Despite numerous requests, these critical issues were not resolved, breaching the implied warranty of habitability as guaranteed under [ Your XXXX ] XXXX XXXX ( specifically, [ cite relevant statute ] ). 

Improper Use of Security Deposit : The security deposit should cover any claims for damages due to conditions that were beyond my control and responsibility. The request for additional payments is unjust, especially when considered against the backdrop of your failure to maintain the property as legally required. 

Illegal Credit Reporting : Furthermore, the action taken by XXXX XXXX XXXX to furnish this disputed debt to credit reporting agencies prior to the resolution of this dispute may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and fully verified information to credit bureaus. Under the FCRA, I have the right to dispute inaccurate information, and creditors are obliged to refrain from reporting disputed amounts until such disputes are resolved. Additionally, [ Your XXXX ] XXXX XXXX XXXX ( [ cite specific statute ] ) also provides protections against unfair billing and credit practices. 

Request for Immediate Correction and Account Review : I request an immediate retraction of the debt reported to the credit bureaus until our dispute is formally resolved, in accordance with the FCRA and state law. I also insist on a thorough review and adjustment of my account, considering my detailed objections to the charges and the propertys failure to meet legal habitability standards. 

I urge XXXX XXXX XXXX to address these concerns promptly and in compliance with all relevant laws to correct any inaccuracies in my credit report and resolve this financial dispute fairly. 

Thank you for your attention to these serious matters. I anticipate your cooperative resolution and await your detailed response. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following inquiries, I believe are or may be part of FRAUD : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 separate inquiries ) XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX via XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX ( 3 separate inquiries )
Product: Credit reporting or other personal consumer reports

My address is incorrect on my XXXX and Equifax credit report, it should read : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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 I seek appropriate redress for these violations.
Product: Debt collection

I am filing a formal complaint regarding inaccurate information on my credit report and the credit reporting agency 's failure to resolve my dispute properly. specifically, an account that does not belong to me. Despite my attempts to address this matter directly with the credit reporting agency and/or the data furnisher, the issue remains unresolved. credit report agency : XXXX, XXXX, XXXX incorrect incorrectly reported I previously submitted a credit dispute to XXXX, XXXX, XXXX with no response. this issue remains unresolved.
Product: Checking or savings account

I am a member of capital one bank with a checkings account enrolled in their early direct deposit program. On thursday XX/XX/year>, i was meant to receive my early deposit however i had not received it all day. I could not get into communication through customer service for a while until i received an email around XXXX that same day in regards to the issue. They issued a statement stating that there was an issue with their lender that caused in outage in their systems that wont allow them to release mine and millions of other customers early direct deposits. The email stated that the issue would be resolved by the same day, XX/XX/XXXX, or the next day XX/XX/XXXX. It is now XX/XX/year> at XXXX and I still not have received my direct deposit which typically, without enrollment in early pay, comes on fridays. The week coming begins with a bank holiday meaning that If i do not receive my deposit by today i will not be receiving it until tuesday XX/XX/year>. This puts me at an inconvenience as I have bills and other affairs to attend to regarding my deposit.
Product: Credit reporting

There was not really a category for my problem. I am trying to setup a connect.experian.com account so i can check the credit of prospective renters. I tried to setup an account and they told me some of the information on file was no matching and that I should request a free credit report then submit the credit file number to setup an account. After doing all that and receiving my credit report they are now telling me that I ca n't set up an account because " I do n't have any credit ''. I have replied to the XXXXXXXXXXXX email and told them I do n't want to share my credit but want to be able to have others submit their credit to me for the purpose of renting. Some lazy CS rep is just cutting and pasting the top XXXX replies into my email without bothering to address my question. Its the classic case of " Question Deflection '', I send them a question and they cut/paste something out of their list.
Product: Debt collection

I mailed a request for validation to Portfolio Acceptance, LLC on XX/XX/XXXX. In my XX/XX/XXXX letter I specifically asked that Portfolio provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Portfolio responded by way of letter dated XX/XX/XXXX by simply providing a copy of an XXXX statement for the period of XX/XX/XXXX to XX/XX/XXXX showing an alleged balance of {$1400.00}. Portfolio again responded on XX/XX/XXXX by providing a summary of their electronic file stating an alleged balance of {$1800.00}, refusing to respond to my dispute due to their alleged prior response and requesting that I provide them with additional information. To date, I have not received ( i ) a calculation of how they arrived at the balance of this alleged debt, ( ii ) an explanation of how their claimed amount in excess of the alleged original balance is authorized by the agreement creating this debt or is permitted by law, ( iii ) nor have I received any documentation containing my signature that show I agreed to pay this amount. It is my belief that Portfolio has not conducted a reasonable investigation of my dispute.
Product: Credit card or prepaid card

I have a BofA " Premium Rewards '' credit card that includes a {$100.00} statement credit towards airline incidentals. The terms of are here https : //www.bankofamerica.com/credit-cards/terms-and-conditions/? XXXX & productoffercode=YE & locale=en_US **** XXXX XXXX XXXX XXXX. You are eligible for a statement credit of up to {$100.00} each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards credit card to pay all airline incidental fee transactions. 

... 

Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include : preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code ( XXXX ), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit : XXXX XXXX, XXXX XXXX, and XX/XX/XXXXXXXX XXXX. 

**** On XXXX XX/XX/2022, I charged {$30.00} x 2 for baggage on a flight from XXXX Nevada to XXXX California on " XXXX XXXX XXXX XXXX GA '', but was not re-imbursed for the charge. I contacted Bank of America, and they sent a letter that " XXXX XXXX '' was not on their approved list of airlines. However, there is no " approved '' list of airlines on the terms ; only a list of non-approved airlines " Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit : XXXX XXXX, XXXX XXXX, andXX/XX/XXXX XXXX XXXX. '' I have spent 4 hours on 6 calls explaining the terms, the agents can only open tickets with the back office, but without successful resolution.
Product: Credit card or prepaid card

I paid the TJX Credit Card in full. Synchrony Bank closed my account even though the balance was paid in full and refused to let me make additional purchases after I paid. This let me in a bad position can could of used the money for other obligations.