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

XX/XX/XXXX Subject : Demand for Deletion of Inaccurate Account Information Pursuant to FCRA To Whom It May Concern, I am submitting a complaint following the response from Experian dated XX/XX/XXXX, concerning my dispute filed on XX/XX/XXXX, regarding the continued inaccurate reporting of my account information associated with account number XXXX by XXXX XXXX XXXX. Despite my multiple disputes and attempts to rectify this information, including the most recent dispute, the necessary modifications have not been made, leading me to invoke the deletion clause of the Fair Credit Reporting Act ( FCRA ). 

The specific issues that necessitate the enforcement of the FCRA deletion clause are as follows : 1. Servicing Transfer Date vs. Credit Report Updates : The servicing of my account ( XXXX ) was transferred to XXXX XXXX XXXX on XX/XX/XXXX, according to XXXX XXXX XXXX XXXX documentation. However, my Experian credit report erroneously shows updates from XXXX XXXX XXXX post-transfer date, which should not occur after the sale of the account. 

2. Charge-off Date and Amount Inconsistency : XXXX XXXX  XXXX XXXX letter specifies a charge-off date of XX/XX/XXXX, with a balance of {$3900.00} for the account XXXX. This does not align with the charge-off information presented on my Experian credit report. 

3. Post-Transfer Payment History Accuracy : Any payment history reported by XXXX XXXX XXXX after the sale date of XX/XX/XXXX, for the account XXXX is in dispute, as it should not be reported by the original creditor after the transfer of servicing rights. 

In accordance with Section 611 ( 5 ) ( A ) of the FCRA, I am requesting the prompt deletion of this account from my credit report. This section of the FCRA requires that any information found to be inaccurate or unverifiable after a dispute must be removed by the credit reporting agencies. 

The presence of these errors has caused significant harm to my credit rating and could impact my financial prospects. Therefore, I seek the CFPB 's assistance in ensuring the removal of this inaccurate information. 

I expect an investigation to be initiated promptly and to be provided with a resolution within the 30-day response period mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Correspondence from XXXX XXXX XXXX regarding account XXXX - Highlighted sections of my Experian Credit Report showing the inaccuracies
Product: Debt collection

XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX for {$520.00} by XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX from Columbia debt recovery llc/ XXXX for {$1500.00} by XXXX . I wasn't given the verification documents I sent by certified mail to collection companies involved or credit bureaus, which violated the Fair credit reporting act. I asked that these accounts be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, XXXX XXXXT XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish your act without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, {$1000.00} was taken out of my Chase savings account ( transaction number XXXX ) and {$500.00} from my checking account ( transaction number XXXX ) at the Chase branch ATM at XXXX XXXX XXXX in XXXX. I immediately noticed this the morning of XX/XX/XXXX and called Chase to report that I did NOT take out any monies from those accounts at that ATM. For more than 20 years, I have never taken more than {$400.00} out at one time. 

The monies were put back in my account but were reversed out days later ( claim reversals XXXX and XXXX ). When I called Chase, the representative said that my physical card and number were entered and I was responsible. A phone text was sent to confirm when the monies but I received no text message and I did NOT withdraw the monies, I have gone to the branch to request reviewing the ATM video to prove that it was not me withdrawing the money. The branch manager ( and then the claims department ) refused to look at the tape. How else can I prove I did not withdraw the money. 

To Chase, the {$1500.00} is an insignificant amount of money -- but not to me. 

The claim number is XXXX. I am afraid to put in monies in these accounts because this may happen again. I don't think I have EVER withdrawn money from that Chase ATM branch. The Fraud Compliance number for Chase is XXXX. 

Your help in this matter is greatly appreciated. 

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

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.

Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} CXXXX 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
Product: Checking or savings account

Deposited {$5000.00} into new checking account approx 2 years ago. No activity with the account until XX/XX/22 when I contacted customer service to make sure the check I was writing would not bounce because of the inactivity. They told me my account was restricted. I was on the phone on XX/XX/22 for 1 hour and 20 minutes trying to get the account unrestricted to no avail. On XX/XX/22 I made and received 4 calls for a total of 58 minutes when I was finally told the account was unrestricted and I also sent by XXXX an additional {$3000.00} to this account so I didn't go below the minimum to avoid fees. The check I wrote was for {$2000.00} as earnest money for a real estate transaction and I was informed that the check bounced. On XX/XX/22 I spent another 40 minutes trying to find out why they bounced the check and again no real answer but I was finally told the account was unrestricted. However, on XX/XX/22 I tried to send money through XXXX and the transaction was rejected by Citibank for no reason. There are no physical branches in Michigan where I can try to get help. Each time I call the customer service they just say they are checking, sorry for the wait, please hold for a few more minutes, and they they come back and repeat this same sequence. I am pretty sure I am not talking to anyone in the U.S. and I wonder if any of this is legitimate. I want my money NOW and want my account closed because I will never do business with Citibank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602A 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 consent.
Product: Checking or savings account

This happen on XXXX XXXX when I called chime concerning something else and the transaction was brought to my attention which was unauthorized before the call was started I let that representative know that the car was being recorded but the problem where it starts is that that representative did not put down the amount of charges that was set over the phone when they submitted that claim that claim only had 53 transactions and they told me 72 transactions over the phone the transactions was made with the same payment method.BUT TO fast forward the story XX/XX/21 they granted that IS WAS AN error THAT been made AND THAT dispute # XXXX {$230.00} and {$9.00} but THEY denied the the other claims WHAT HAS the same payment method as the ones they found error which is odd.disputes BELOW ARE still waiting to hear # XXXX = {$93.00} # XXXX = {$190.00} # XXXX = {$780.00} TOTAL AMOUNT = {$1000.00} IS WHAT IM STILL WAITING FOR TO BE GIVING BACK AFTERNOON IT BEEN TAKEN WITHOUT ME KNOWING. 

MY CLAIM WHAT'S PURPOSELY SABOTAGE AND WASN'T SET UP THE CORRECT WAY AS WE UNDERSTOOD IT WAS ON THE FIRST CALL SETTING THE FIRST CLAIM UP WHEN I WENT TO GO CHECK THAT CLAIM THAT WAS SET UP WITH US OVER THE PHONE IT DIDN'T MATCH WHAT WAS SAID THAT YOU MADE SURE TO NOT MAKE A MISTAKE ON BUT MADE IT ANYWAY SO I COULDN'T USE NO CHARGES FOR A NEW CLAIM .... BUT THAT THREE OTHER DISPUTES CLAIMS THEY MAKING ME WAIT 45 DAYS BEHIND THE ACTIONS UP AND REPRESENTATIVE WHO WASN'T TRUTHFUL OR HONEST ABOUT WHAT HE OR SHE WAS PUTTING DOWN ON PAPER TO SUBMIT TO THE DISPUTE TEAM WHICH I'M NOW SUFFERING BEHIND THAT ACTIONS OF THAT REPRESENTATIVE WHICH IS NOT FAIR I'M LATE ON BILLS BEHIND THIS ACTIONS OF THAT EMPLOYEE
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Equifax : XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as Per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. & 1681N ] Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a XXXX loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years in prison for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.
Product: Credit reporting or other personal consumer reports

I am writing to make a final demand for the deletion of the inaccurate and invalid collection account from my credit report. Despite my multiple previous disputes, this collection account remains on my report, which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Credit Card Was paid in settlement to XXXX  XXXX XXXX XXXX XXXX but still the Credit reporting agency Experience is not correcting the profile showing as STATUS : '' closed {$620.00} written off " spoke to XXXX they transferred XXXX to XXXX @ XXXX XXXX XXXX XXXX, they transferred me to XXXX XXXX @ XXXX XXXX XXXX XXXX, they transferred me to XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX who informed me that the account is paid off to XXXX @ XXXX XXXX XXXX XXXX. 

after speaking to Experience telling them the said account is paid off and informing them of all various agency contacted still nothing is being done by them to correct my profile.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. LVNV Funding  Acct # XXXX LVNV Funding  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX XXXX XXXX illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LVNV Funding and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX. I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
Product: Money transfer, virtual currency, or money service

This occurred on XXXX XXXX We received an email from Paypal about some suspicious charges on our Paypal credit account. We immediately called them to find out what happened. They informed us that a company call XXXX XXXX XXXX had charged us almost {$2000.00} and the recipient was XXXX. The Paypal representative told us to file a claim with the Paypal Resolution Center. We went online and filed the claim but received an email the next day stating that it had been denied. We once again called Paypal to get an explanation but were told that there was nothing they could do. We questioned the reasoning, since we were charged 10 times for the same amount, after midnight on the 12th. Paypal once again told us they could not do anything for us. If you go on PayPal 's web site, their motto is " Trust the way you Pay ''. What a joke!!! We tried to reach out to XXXX and XXXX but could not find any contact information for either of them. My wife and I are senior citizens and losing {$2000.00} is huge for us. I am hoping that you can help us get a refund. Thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer care 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 l. 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 was never contacted or mailed any fees of the debt owed. I have tried calling and leaving messages with Alco Collections Inc since it was reported on my credit since XXXX of XXXX still no avail as of XX/XX/XXXX. Ive called the company that initiated the debt XX/XX/XXXX and was told theyll contact Alco Collections Inc. and never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor by the NAME OF XXXX  XXXX bank is STILL violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, I also received a letter in the mail FROM ANOTHER REPORTING COMPANY stating that they are representing XXXX  XXXX bank USING THE SAME ACCOUNT AS THEM and the balance is {$240.00} and XXXX  XXXX bank is reporting that I own {$770.00}, i demand proof from XXXX  XXXX bank that I owe that amounT OF {$770.00} I also demand a copy of the contract with my written consent In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX  XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from JH Portfolio Debt Equities which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries not recognized by me, more than 30 inquiries which I did not authorize and is reflected in my credit report
Product: Debt collection

This debt has already damaged my credit report and public record. I deny owing XXXX {$910.00}. The original credit limit was approximately $ XXXX {$300.00}. 

The reason for non-paymen was I lost my job and could not collect unemployment benefits which I did file for, but were denied. I am now on fixed benefits with no other income. With the raging pandemic and struggling to make ends meet, I just can not afford any payments.
Product: Mortgage

XXXX is missing from escrow account # XXXX. Mr. Cooper claims this money was disbursed for tax ON XX/XX/XXXX, however it was never received by the county. 
In other words, on XX/XX/XXXX {$11000.00} was deducted from my escrow account ( Account # XXXX ) by Mr. Cooper with the reference number XXXX. This was marked as a disbursement for the XXXX County Tax. ( Note that this transaction took place right before my mortgage was transferred to a different company-XXXX XXXX ). This disbursement/payment, that Mr. Cooper claims was made, never reached the XXXX county tax department as of today ( XX/XX/XXXX ). I contacted Mr.Cooper several times and they ca n't locate where the funds are and it could take an indefinite amount of time before they can proceed with a resolution. My current mortgage company has already made another payment to the county ( in addition to the funds that were lost and deducted by Mr. Cooper ). This resulted in a negative escrow in my current mortgage account. The lack of clarity from Mr. Cooper regarding a resolution on the missing amount is not acceptable. 

To summarize : the funds that Mr. Cooper disbursed from my escrow account ( labeled as taxes ) have not been located as of today. The XXXX county tax office never received this tax disbursement and Mr. Cooper does not provide credible information regarding where these funds are. Mr. Cooper 's wait & see approach for locating these funds are not acceptable as the funds are missing/not received for well over 1 month now ( i.e. dating back to XX/XX/XXXX as per the attached loan history statement ). XXXX County tax department has no record of these funds coming in from Mr. Cooper and this is also confirmed by the county tax department. I would like a formal response from Mr. Cooper on this matter and a refund ASAP. I have tried several times contacting Mr. Cooper but no resolution has been provided until today.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit report contains incorrect personal information, possibly due to a clerical error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Capital One Credit Card has been overcharging ridiculous fee after I have automatic payments set up with them for 10 years. They just told me that they don't have a " grace period ''. They reported me to the credit bureau for non payment. You can see I made automatic payment for {$25.00} each week for the past 10 years. 

I feel they are unethical to their customers. Please investigate them. This isn't fair for a loyal customers like myself. I'm not trying to get over but I think their trying to scam their customers. That's not right.