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

I disputed this reporting on my credit reports. It was deleted and does not appear on XXXX and XXXX. However, it appears on my XXXX report. I still dispute the validity of this debt. I have no correspondence from Simmons Agency and will litigate this in court at this point.
Product: Student loan

I spoke with Nelnet about requesting a refund. I have not received any information from them in 5 weeks regarding what the status is or when I should be getting a refund for payments I made that I requested to be refunded.
Product: Debt collection

Harassing phone calls told them to send bill do not know what it is for. Will not stop calling at all hours. I have voicemails of threatening legal charges. Threatening arrest. Yelling at me. 
XXXX XXXX And XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to EarlyWarningSolutions contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca XXXX.
Product: Credit card

regarding macys new credit account. I opened up the account and never used it, but I received the bills that I do not owe, so this got ta be fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed several inaccurate items. After researching how to dispute these inaccurate items I learned a lot from the FCRA. In keeping with the law I submitted a dispute letter over 60 days ago and still have not heard any response. I feel like Im being ignored and being taken advantage of. These items are injurious to my credit report.
Product: Debt collection

XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention ongoing issues regarding my XXXX XXXX account ( Account Number : XXXX ) that I have disputed multiple times with Experian. Despite my repeated attempts to rectify the situation, each time the account comes back as verified and updated ; however, the information being reported does not align with the payment records I have obtained directly from XXXX XXXX. 

Specifically, I have documented evidence showing that I made payments on XX/XX/XXXX and XX/XX/XXXX. According to Experian I was marked as 60 days late for both of these payments. Furthermore, in XX/XX/XXXX, XXXX XXXX is reporting that I am 90 days late ; however, the payment record for this period is missing. This inconsistency raises serious concerns about the accuracy of the information being reported to the credit bureaus. 

Additionally, I want to inform you that I disputed the same account with XXXX, and due to the inaccuracies in the payment history, they have deleted the account from my credit report. This further highlights the discrepancies between what Experian is reporting and the actual payment history. 

I believe it is crucial for consumers to have accurate and transparent information on their credit reports. I respectfully request your assistance in investigating this matter to ensure compliance with the Fair Credit Reporting Act and to help rectify this situation. I also filed FTC report against Experian. 

Thank you for your attention to this matter. I look forward to your response and support in resolving this issue. 
I have attached the letter of Experian saying the account never updates was verified. I also attached the payment records from XXXX XXXX and credit report as my proof. I also attached the my ID and social security card as proof of Identity
Product: Checking or savings account

Well on XX/XX/2020 i had sent the Bankofamerica XXXX $ Now On XX/XX/2020 I Had went To the Atm And check My Blance now then It Said My Blance was XXXX Now On XX/XX/2020 I Checked My Blance i See that Its XXXX. $ now some one Has Stolen My XXXX $ Now Could you find Out Who And Why you Have Stolen Money Out Of My Saveings Account I Need To Save All That I Can Save And Just For some unknow person that Knows how to Steal from Induviduals Like Myself i Dont think Its Fair thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX  SSN : XXXX IQ Data International Report Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. I reached out and requested proof of original ownership, my signature, and a license to collect in my state. I also contacted the original debt collector who stated everything was destroyed XXXX years ago and they are not obligated to keep anything past XXXX years. The following alleged collection account is listed as having a PAST DUE BALANCE of {$1300.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. 
According to Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

Additionally, their dispute resolution process was unfair and deceptive, as it failed to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused me considerable inconvenience and financial loss. I am seeking appropriate remedies to address these issues.
Product: Credit card or prepaid card

My name is XXXX XXXX. Bank of America made the fraud on my earning from " cash reward credit card ''. 
BoA sent me a " Cash Reward Credit Card promotion letter " on XXXX. XXXX that promised 3 % cash back on traveling purchase and others... ETC. so i applied this cash reward credit card soon. But after i used the new card to purchase the airline tickets on XXXX XXXX and XXXX XXXX which's total {$1100.00}. There are no any cash back earning on my account. Showing " XXXX '' on cash back earning. I have called the BoA consumer service XXXX. They refused to issued any reward earning to me. The reason they claimed was '' I didn't pick up the purchase choice on traveling category before made the purchase. '' When i did activate the new credit card through the phone of BoA. The AI message just said " You can use your cash rewards card to make a purchase Right NOW '' without mentioning anything else like " you must make your purchase choice on " traveling category " on your account online before you make that type purchase. It doesn't make any sense for credit card holders in normal. 
The BoA is definitely fraud on unacknowledged to customers in advance then refused to redeem their promised rewards.
Product: Debt collection

I thus request that you confirm that I owe this debt in accordance with any applicable state and federal regulations. Please contact the creditor for verification. 
Furthermore, under the requirements of the state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and associated consumer regulations, I am directing you to halt collection of the debt while efforts are made to seek proof. Until you have resolved this error with the creditor, you should not contact me or anyone else regarding this collection.
Product: Debt collection

at the end of 2018 i statrt receiving a calls from collecting agency called pro collect in regards to lease apartment  at XXXX XXXX XXXX  XXXX  in Texas, so i thought it was a scams calls because i never lived in Texas i live in XXXX XXXX Nevada, then they sent me a mail with all the information, i went to XXXX XXXX police Department and i filled a Fraud complaint, i send i to the collection agency, the said this is not enough they still beieve it's me, and the XXXX XXXX Police department were not able to run invistigation Due to Jurisdiction matter, i report a theft identity and also send it to them a long with my ID and the lease for where i live in XXXX XXXX so to confirm that i was living in the different place for the same time, Also i filled online police report In texas but never get any reply from them, finally i filled a complaint with Texas attorney General and the refere me to report it here please this is on my credit report for the last two years and it's effecting me a lot and all the dates and details it's in the attachments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score.
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate my previous dispute regarding inaccurate and unverifiable information that is currently being reported on my credit file. I previously submitted multiple disputes, but I have received a response stating that the items in question were " verified. '' Upon review, I must inform you that this verification is insufficient and does not meet the standards required by the Fair Credit Reporting Act ( FCRA ). As such, I demand a more thorough investigation and immediate removal of the following items : XXXX  XXXX ( Late {$73.00} ) XXXX  XXXX ( {$360.00} ) XXXX XXXX XXXX ( {$3000.00} ) XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX  ( Late ) XXXX XXXX XXXX {$200.00} ) Under the FCRA, you are legally obligated to report only accurate and verifiable information. The items listed above have not been substantiated with sufficient evidence or documentation to prove their accuracy. Simply marking these items as " verified '' without providing supporting documents such as original account records, payment history, and other pertinent details is not sufficient to satisfy the legal requirements for credit reporting. 

I hereby demand the following actions : Immediate removal of the above-mentioned items from my credit report, as they can not be verified as accurate or substantiated with proper documentation. 
If you claim that any of the information is accurate, I request that you provide me with the following evidence for each item : A copy of the original contract or agreement associated with each account. 
A detailed payment history for each account. 
Documentation showing the dates of account charge-off, late payments, and any payment arrangements. 
I expect a detailed response outlining the steps taken to verify this information, including the specific documentation that was reviewed. 
If the information can not be verified within 30 days of your receipt of this letter, I demand the immediate deletion of these items from my credit report in accordance with the FCRA. 

Please be advised that if this matter is not resolved promptly, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore the option of pursuing legal action to address the violations of my rights under the FCRA. 

Failure to comply with this request in a timely manner will leave me no choice but to escalate this matter further, as I will not allow inaccurate information to continue damaging my credit profile. 

Please confirm receipt of this dispute and provide a written response within 30 days. 

And stop sending stall letters to prolong this issue!
Product: Money transfer, virtual currency, or money service

On XXXX I initiated an international wire transfer to XXXX XXXX in XXXX, XXXX for {$3700.00} to pay for my daughters wedding. For some reason, the transfer was never received by the beneficiary at an account at XXXXXXXX XXXX. I called Wells Fargo and after an investigation they sent me a letter stating " the funds were not delivered to the beneficiary. '' They have done 2 investigations and told me XXXX 's is " holding '' the funds and they have asked for a return of the funds to my account. To date, this has not happened. I spoke with them again today and I got the same answer, a waiting game. They told me that they have to send an electronic request to pull back the funds. I suggested that a Wells Fargo banker call a banker at XXXX and resolve the issue. Why can't they call... it could be resolved in 5 minutes. This issue has been ongoing for months with no resolution. The Wells Fargo representatives keep giving me the same answer and not taking any action. In addition, I always have to call to get an update. They don't call... Very frustrating as this is not a {$20.00} exchange... Please help in any way you can... I would like to retrieve my funds that have not been delivered... it only seems fair.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my right 15 U.S.C 1681 section 602 A States I Have the right to privacy 15 U.S.C 1681 section 604A Section 2 It also states a consumer reporting angency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I used my XXXX XXXX XXXX XX/XX/XXXX for an online purchase, and believed I had updated my address at that time. I forgot I made this purchase with this card ( I rarely use it ) and never received a bill. I got a collection call at my primary phone number on XX/XX/XXXX. I was informed they don't abide by mail forward so my statements were returned to them with no attempt to communicate with me, despite them having a valid cell number. I was told on XX/XX/XXXX I would receive a bill in the mail at the correct address. I never did, and when I called back to inquire in XX/XX/XXXX, I was told I have a valid complaint and to fax a letter disputing the interest fees and late charges. I did so. I never received a statement and called to pay the XXXX due on both XX/XX/XXXX and XX/XX/XXXX and was told they couldn't accept payment because the account was in dispute status. I was told I would receive a statement. Never received anything, no statement, no response to my fax letter of dispute. Called XX/XX/XXXX and the balance now has additional late fees and interest charges. My status is " account revoked ''. I want the fees and interest removed - this was XXXX XXXX fault for not forwarding mail, and I want my credit restored and XXXX XXXX to acknowledge their numerous errors..
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my Transunion file.
Product: Mortgage

I recently applied for a modification with CHASE and I was given multiple different reasons for denial and was never given an exact reason. I was even told by a manager that they used a specific amount of income and then was told otherwise by XXXX different people. when I started this program I was only 1 payment past due. I am currently 3 payments past due on my mortgage and all I want is to continue making payments on my mortgage but I do not have enough to make up the past due amount. My complaint overall is that is nearly impossible to understand this process and not to mention CHASE never called me to advise of the decision on the loan they just pushed it back to collections and I had to call and check on why it was taking so long for a decision. I found out that the loan was removed from modification review days before my call. MY Representative promised me a call to advise me of a decision I never received one call from her. I am now 3 payments past due and having to reapply again, I live in Texas so I know after missing 4 payments my property is going to be in active foreclosure or probably already is. I am wanting to keep my property I just can not pay the past due amount. I am having to reapply since I was n't told the accurate reason for denial I finally received the paperwork ( almost a month later ) and I now understand why I was denied and I have to reapply this delay in a process that I believe CHASE should already be on top of should not be happening. I am falling more and more past due and I CHASE will not let me make a payment while file is in review.
Product: Credit card or prepaid card

I paid for a hotel room through an app for XXXX via my phone using my Bank of America XXXX XXXX credit card. I also paid the added cost of insuring the room 's availability. When I got to the hotel, the clerk told me the room was given to someone else and no other rooms were available. I could not find another room in a safe hotel in the area and my family and I had to sleep in our van. The price I paid was {$330.00}. I initiated a dispute through my credit card company. The dispute failed and I incurred the cost on my credit card. The Bank of America XXXX XXXX representative told me the letter from XXXX stated that the hotel tried to make accommodations but because of the circumstances, couldn't accommodate me nor refund the money. That explanation did not make sense to me and I feel my credit card company should have done more to protect their consumer. I have since cancelled my card over this problem.
Product: Debt collection

During banking fraud on my XXXX XXXX checking account I discussed with XXXX XXXX XXXX customer representative that after my last payment I was no longer going to need service for the internet on XX/XX/XXXX they sent an email to discuss why I wanted to terminate my service with a survey. They agreed I was all paid in full and please send me a letter and what I need to do with the equipment. I never received the letter but my service was disconnected so I never used the system again. In XX/XX/2019 I received a letter from Joseph , Mann & Creed, a Collection Agency requesting {$78.00}. Without proper billing how do I know that is what I owe and how did XXXX XXXX XXXX arrived to that amount? I have been a customer for over 10 years and always received an email or statement.