23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an unverified account from DIVERSIFIED CONSULTANTS. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

This arbitration arises due to Experian 's continued inaccurate reporting of a closed account on my credit report. Despite multiple attempts to resolve this issue directly with Experian through dispute channels, the inaccurate reporting persists, causing harm to my credit profile and financial standing. 

The specific account in question is as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Account Status : Incorrectly reported as CLOSED when Ive never opened the account, information has been exposed through dark web. 
The account was closed on XX/XX/year>, and its correct status should reflect ( SHOULD NOT BE REPORTING ON CREDIT FILE ) I provided all relevant supporting documentation to Experian during the dispute process, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX STATE OF OHIO Date Updated : XX/XX/2021 XXXX Date Updated : XX/XX/2021
Product: Credit card or prepaid card

I have been unfairly charged finance charges and a late payment fee by the credit card issuer. My first payment was delivered on time on XX/XX/2020 in the amount of {$1300.00}. However, the credit card statement was not clear where the payment should be sent, as it listed two addresses. I sent the payment to the " Customer Service '' address at the bottom of the statement, which was listed more prominently on the statement. I later found out that the payments should have been sent to the other ( less prominent ) address, which did not disclose that it should be used for payments. This caused my payment to be misdirected to the wrong department, and ultimately processed several days late on XX/XX/2020, incurring a finance charge of {$19.00}. The same issue repeated on my next bill, and I incurred a late payment fee of {$39.00}, in addition to an {$8.00} finance charge. When I called to complain over lack of disclosure regarding which address to use on the statement, I was told that only the {$39.00} and {$19.00} charges could be refunded ( due to a policy of one waiver per customer per year ). I am requesting a refund of the {$8.00} charge, which was directly caused by the credit card company not disclosing which address should be used for payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX/XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score disappeared on both XXXX and Equifax and I have zero negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.
Product: Mortgage

I've called before and no one follows through. Our mortgage is with Dollar Bank servicing center in XXXX, OH. We are in year 5 of a XXXX XXXX Bankruptcy. We made a partial payment of {$900.00}. XXXX XX/XX/2023 and on XX/XX/2023 paid {$440.00}. This was supposed to be added together to make XXXX XXXX payment. I spoke with someone at XXXX XXXX branch and someone at customer service over a month ago. Still no one has applied the payment. I made another payment on XX/XX/2023 for {$1300.00}. That was for XXXX 's payment. on XX/XX/XXXX, another payment was made for {$1300.00}. for XXXX 's payment. These last 4 payments are sitting in 'unapplied funds ' and not credited to my account. They are saying, 'It 's a sensitive issue and we need to proceed slowly '!! I am stressed out over this. It seems when I did the partial payments in XXXX, it threw off the whole account. They have my money, but not distributing funds. I have receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already had a loan with this company I had a XXXX XXXX on XX/XX/XXXX and this company pulled my credit on XX/XX/XXXX. I had XXXX on XX/XX/XXXX so who gave them permission to pull my credit. This is an unauthorize inquiry that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a balance of {$390.00} with XXXX XXXX XXXX. However, I have a XXXX  balance. They are not reporting my payment of {$98.00} that I made with my debit card on XX/XX/20 that has already posted to my account. They are not reporting my payment of {$300.00} that I made with my debit card on XX/XX/20, that has already posted to my account.
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 violates the consumer financial protection act
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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, credit repair services, or other personal consumer reports

I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX XXXX XXXX to the message the representative XXXX XXXX XXXX on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State Zip : XXXX, Il XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Crodit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the charge-off account associated with [ XXXX ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. Additionally, under Virgina state law, I am requesting proper validation of this debt. To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 2. Authenticated Evidence Based on Virgina State Law : In addition to the accounting records, I require authenticated evidence, in compliance with Virginia debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus. Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws. 3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and Virgina state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud. The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. Please respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted.
Product: Money transfer, virtual currency, or money service

My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. 
I will explain. On XX/XX/2023 I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/223 at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/2023. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX XXXX in the account and that I need to calm down. How can the XXXX XXXX I had in the account yesterday XX/XX/2023 just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX XXXX on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?
Product: Credit card

I have an account with chase that has been at 29.99 % since they took over my account in 2007. Every Time I call they just tell me that 29.99 % is the best rate they have to offer. I do n't understand how that can be true if 29.99 % is their default rate. I been trying to work with them they say they will review my accounts in 6 months. six months passes and its the same thing, I get no results and just the run around from them. I need some one to do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor is reporting a charg-off which inaccurate information to my consumer report. The creditor has cancelled the debt and a tax write off. The IRS defines a charge off as Gross or ordinary income. Income is not reported on your consumer report. 

The attachments were sent via mail certified return receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed with my credit report and noticed an account that was not reported accurately I had XXXX late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on this date XX/XX/year>. I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a credit freeze with Experian. 

In spite of entering all valid information to unfreeze my account, I was prompted to mail in my request with copies of my driver license, social security card and a utility bill. 

I mailed all requested information and my credit was unfrozen for the requested time frame ( confirmed via e-mail on XX/XX/XXXX at XXXX ET On XX/XX/XXXX at XXXX ET I needed to have my credit unfrozen and again I was prompted to provide all the information. Experian said ... " WE WERE UNABLE TO HONOR YOUR REQUEST TO TEMPORARILY REMOVE YOUR SECURITY FREEZE BASED ON THE INFORMATION YOU ENTERED '' I mailed all the required documentation again. I have not heard back from Experian since ( that's 20 days ) Will Experian explain why am I being harassed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax Breach. Equifax refuses to remove inquiries that were not mine. This affects my credit score. They continued to tell me I needed to contact each company. I refuse since they allowed my information to be accessed. I have received 2 years of harrassing call
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I saw the inaccurate public record information on my credit report. I check my report regularly, and this is the first time I've encountered such discrepancies. I refreshed my browser several times, hoping it was just a mistake, but the inaccuracies persisted. Because of this, I urgently need the documents I've sent to be reviewed thoroughly to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian a collection account thats listed on my credit report. XXXX XXXX, XXXX shows an account in collections with them from a previous charged off XXXX XXXX XXXX  account that was opened with them in XXXX. I have no knowledge of ever having an account with XXXX XXXX XXXX  at that time and never heard of XXXX XXXX XXXX  until I opened an account with them in XXXX  XXXX. I first found out about this when reviewing a credit report as I am trying to purchase a house. On XX/XX/XXXX, I spoke with an XXXX at XXXX XXXX XXXX  and was advised that she saw no accounts in their system under my SSN other than the one opened in XXXX. I disputed this in XX/XX/XXXX with all 3 bureaus providing the same information I am submitting here. XXXX XXXX and XXXX  have removed this information within days of submitting that dispute. Experian refuses to remove this unfair, incorrect information from my report and is preventing me from qualifying for a mortgage. There reason for keeping it on is due to them saying the debt/account is validated. The only documents they can provide is statement copies. No signed contract or cardholder agreement.
Product: Checking or savings account

I opened an accelerated savings account with Citibank on XX/XX/XXXX via their website which since I already had a credit card with Citi was very easy and efficient. I transferred funds in through my previously set up linked checking account ( XXXX XXXX ). Over the next two months as I had fund availability I transferred additional funds into the account always through this same means of logging onto their website and initiating the transfer from the linked bank account at XXXX XXXX. These transfers occurred on XXXX and XX/XX/XXXX. Additionally I deposited two checks via their mobile application and transferred a rewards certificate from my Citi visa to the account. As of XX/XX/XXXX I had approximately {$100000.00} deposited into the account. On XX/XX/XXXX I noticed I could not log onto my account which I thought was odd but was given a message referring to " try again later '' so I didn't think it was too odd. So I telephoned the customer service that day and was told my account was locked for fraudulent activity. When I verified my identity and the the 3 most recent transactions, I was told I would get a letter in the mail explaining why it was locked in 7 to 10 days. The letter stated the account was closed by Citi and funds would be dispersed in an additional 30 to 60 days. So essentially they are holding my funds without paying interest for almost 90 days and I have no access to them.