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

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * Account Name : XXXX XXXX * Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within four business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
3. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

Someone was buying a XXXX from me for {$270.00}. The person who wanted to buy the item sent a check in the mail for an allotted amount of {$1900.00}. The person said his assistant accidentally wrote wrong $ amount on check. I didn't think anything of it, people make mistakes. I deposited the check into my US bank account ATM on XX/XX/21, waited till it got cleared three days later on XX/XX/21. The check went through, it got cleared, the full amount of {$1900.00} was in my account. I took {$270.00} out of the ATM which was my fee for the XXXX & sent the remaining {$1600.00} through my banks application XXXX back to the person who wanted to buy the XXXX because I'm not going to keep someone's money. Three days later on the XXXX I received a letter from my bank with a returned check statement saying the reason the check was returned was because it was forged/forgery. The bank took the {$1900.00} from my account an added {$90.00} overdraft fees to make my account go negative $ XXXX. I reported it to the US bank fraud liaison department as well as made a police report case # XXXX with the XXXX XXXX police department. The fraud agency said they'll look into it an get back to me regarding the investigation. Today, on XX/XX/21 I received a letter from my bank saying they can't help me for a claim because the transaction of {$1600.00} went through. Im the victim and the bank is trying to get me to pay the full {$2000.00} or else it'll go to collections. How am I supposed to know the check was forged? Even after my bank cleared it ; the money was there so it was legit to me. The person who received the money through XXXX  information is XXXX His name is XXXX XXXX. 
Please help! I just got XXXX, I have no job. I can not nor am I able to pay the full allotted amount that my account is negative of {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs has failed to cease reporting of my UTILIZATION to all three credit reporting agencies. They are illegally reporting this information & are failing to comply with the LAW. I will be seeking damages due to willful non compliance. If they close this complaint without properly resolving my case THE FTC, THE XXXX, & The Attorney General will be informed.
Product: Credit card or prepaid card

I had a cash management account with Robinhood. However I requested an ACAT transfer to another institution which they later denied. But ever since now I cant use my debit card and all my EFT payments using account and routing numbers have been declined. As well as deposits, withdraws and day to day transactions. Ive ask many times for a fix but no response as of yet and its been a few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. On XXXX, XXXX 2020. I received a notification from the credit report saying my account with Chrysler Capital was delinquent. I called them the next following day, they confirmed the account was passed due and they could not contacted me due to the call volume they have been receiving as consequence of ( Covid-19 ). I explained, first of all, I was never notified about the issue and even though the account was under my name the vehicle belongs to my ex-husband and he is the one in charge of making the payments. 
I contacted him immediately and he hasnt been able to make the payment due to financial strangles because of ( Covid-19 ). He made half of the payment due but the delinquency is still showing on my credit report. 
I can stress enough how hard this situation has been for the whole world and it is even worth when the decision of someone is affecting the wrong person. I am a single mom with a XXXX year old daughter and I have been working really hard to support my little family and a good credit is going to help me to provide a home for my baby to live in. It was not my fault Chrysler Capital did not have enough personal to cover the volume of calls and for that reason they decided not to call any of their customers. It is not fair under the situation we are all currently living to make this drastic decisions like this. We do not know if we will survive or if we will be able to keep our jobs. This type of delinquency states in the credit report for years that means it will affect me for years. This company needs to be more sensitive to the situation and give their clients a break to focus on our families and our health. 
Please review this complaint and I implore you to help me to remove the delinquency from my credit report. As I stated before, I am in the process to purchase a house, with this I will be able to provide a better quality of life for my daughter.
Product: Credit reporting or other personal consumer reports

I financed equipment thru XXXX XXXX ( now XXXX ) and before my equipment was shipped and before my first payment was due I canceled my order. XXXX sent me confirmation that the account was closed and that I was a finance customer so no further action was needed. 
However, the finance company they use has been contacting me repeatedly attempting to collect payments. I have repeatedly informed them that I canceled the order and do not have the equipment. I have sent multiple emails to both companies and at one point even called XXXX on 3 way and listened as account & invoice numbers were given. XXXX claims to have received no correspondence from XXXX, XXXX says they've made attempts to contact XXXX. XXXX calls me all the time now and every time the person calling has no knowledge of any of the history, claims there's no notes on the account. Sometimes they'll let me speak to a supervisor but they usually will not. One supervisor assured me they would push back my payment due date to XX/XX/XXXX to give the appropriate parties time to sort this out and it would not affect my credit. It was never done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ITEMS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

XXXX XXXX XXXX purchased a debt from Comenity Bank. They allege that this debt belongs to me. 
I never had an account with Comenity Bank. 
Any accounts with Comenity Bank were the result of fraud. 
The debt that was purchased was the result of fraud. 
I only discovered that this account existed when I went to buy a new car and my credit score was low. 
Upon ordering my credit reports, I discovered this account and filed a dispute with all XXXX credit bureaus. 
XXXX XXXX XXXX informed the credit bureaus that the debt was mine. 
Once I received that information, I called XXXX XXXX XXXX. 
I informed them that this was not me. 
They claimed that this was under investigation. I asked them who was investigating this, so I could speak with them. 
XXXX stated that they could not tell me or give me the fraud investigator 's contact information as the investigation was not complete, and that could take up to 90 days. They did give me the number of their legal department but said it would not be helpful with the fraud investigation.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit freeze on my account and a extended credit alert on my credit report and XXXX still allowed access to my credit report.
Product: Bank account or service

I applied for citi gold checking account with XXXX promotion offer ( with offer code : XXXX ) in XXXX XXXX. I met all the requirements as per terms in XXXX, XXXX. I got confirmation both before and after application ( before : via phone in XXXX, after : via online chat ) that after I met all requirements and XXXX would post in 90 days ( in XXXX XXXX XXXX. However, the XXXX bonus XXXX did n't post after 90 days, and citi refused to honor the promotional offer when I contacted them back in XXXX XXXX. Worse still, the service fees that incurred during the 3-month waiting time was {$90.00} before I contacted them to downgrade my account. Citi, a bank that I once trusted and liked, not only failed to keep their promises, but also tricked me for the {$90.00} loss. I would like to have this issue resolved, or I would reconsider my business with this bank and let my friends and colleagues aware of this unpleasant and intolerable experience. PS : I did n't record the phone call, nor screenshot the online chat because I never thought this would be a problem. But I do believe that Citi can check out both the phone records and the online chat history on their discretion if neccessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report..Remove the late payments on XXXX XXXX XXXX
Product: Checking or savings account

I use my bank 's bill payment feature very infrequently -- in fact I have only used it twice. On both occasions, the amount was debited to my account within 2 days and shown as " deposited. '' In the first instance, about 2 years ago, the payee called me weeks later to complain that they had never been paid. Based on the bank 's description of the check as " deposited '' I would never have known had the vendor not complained and I might have incurred a penalty to my credit score for late payment, or pursuit by a collection agency. I stopped using this feature as a result of this bank defect. 

Recently, I decided to use the feature again and experienced exactly the same problem, only this time it involved a check sent to my son. Aa a result of my previous experience, I initiated communication with him about whether he had, in fact, received the check. He had not and to this date, still has not. 

I consider the bank 's use of the word " deposited '' in the bank 's online accounting summary of transactions to be a form of fraud and open to abuse, particularly in instances when payment is made to an individual who is not expecting a check and would not be on the lookout for it. 

I leave this to your judgement and possible follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named Convergent Outsourcing inc. Is attempting to collect a debt that i do not believe is mine for a company named XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 US 1681a Section 3 ( e ), I have the right to request a proper consumer investigation which should include interviews of neighbors, friends, and associates who may have creditable knowledge of this assumed debt by the creditor. I sent a letter out by certified mail to the company requestion the proper investigation my tracking number is, XXXX. I request a full copy of the report which should include name, addresses, numbers what was asked what responses were and what the conclusion of the investigation was. If the investigation is unconclusive i request that both companies cease all efforts to collect and they remove any information that has been reported to the credit agencies.
Product: Debt collection

Portfolio Recovery Associates has failed to validate debt and has continued to harass me over the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, I disputed this account with Experian for a charged off account showing activity after the closed date in payment history. they came back verified but did not enter the required comments Disputed by Consumer now they need to remove this account for violations attached a screenshot of report to show the missing required disputed by consumer
Product: Checking or savings account

I'm a victim of a fraudulent scam. My entire savings over {$170000.00} was wiped out from my Capital One bank account. I filed a report on XX/XX/year> and was told to have an update within XXXX days. It's almost a month and there's no updates other then we requested the funds to be returned from the the other bank that the wire was send to. 
I was promised a call back a few times and I did not receive even one correspondence via phone, email, or mail. 
The longer we wait the harder it will be to retrieve the money. 
We need Capital One to prioritize this ASAP.
Product: Mortgage

On XX/XX/XXXX I called Shellpoint Mortgage Servicing in order to get my tax lines adjusted based on the most recent tax assessment by the county. I have 2 parcels that are escrowed as part of my mortgage. The tax status on the parcels changed from Residential to Ag resulting in a lower tax assessment this year from previous years so I sent the tax assessment documentation to them via email as requested. However, my servicer has failed to update my tax lines and run another escrow analysis which would lower the escrow portion of my monthly payment. I have reached out multiple times since XX/XX/XXXX and now will be paying a higher mortgage payment because of a failure on their part to get the information updated in their system. 1 month is plenty of time to perform those tasks and I am really disappointed in how the situation has been handled and their lack of action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take a 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: Vehicle loan or lease

On XX/XX/2022 I sent a notice to cease and desist all communication through all mediums with any third - party and to only communicate with me XXXX XXXX XXXX, the consumer / natural person shall be in writing only no email.It has come to my attention that i have been violated by " Wells Fargo Auto ; '' " XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ; the purchase of a vehicle, Pursuant to 12 CFR 1026 Truth in Lending and regulation, Z and 15 USC 1692- FAIR DEBT COLLECTION ACT. It has also come to my attention during this consumer transaction that I who is a natural living being, I have had information withheld from me to ensure completion of this sale. Upon reviewing my contract obligations and right as natural person operating in commerce, I noticed that there are several violations presented which nullified the contract pursuant to 15 USC 1601. As a result of many more violations, I refuse to pay this alleged debt, and hereby notified the parties involved of my denial of responsibility for any interest finance charge or fee associated with this contract. Pursuant to 15 USC 1611 '' PXXXX XXXX XXXX are criminally liable for willfully and knowingly violating my rights as a consumer in this transaction. It is clear they are not trustworthy, and have predatory conducted business in commerce. It is appropriate for me to assume that XXXX XXXX at " XXXX XXXX XXXX, '' intentionally did not inform me that my insurance was included within the finance charges and it was all i needed to complete the deal. Pursuant to 15 USC 1605 I also was not provided the opportunity or provided with my documentation that includes my right to exercise my " Right of rescission, '' of this sale contract. Pursuant to 15 USC 1635 this information was withheld and not disclosed to me in doing this consumer transaction, for the purpose of benefiting all parties involved. Pursuant to 15 USC 1692c ( 2 ) .They have hereby been notified of my denial of responsibility for any security interest finance charge fees associated with this contract. Pursuant to 15 USC 1692 ( c ) As a result of these violations, I refuse to pay this alleged debt, and They are hereby been notified of my denial of responsibility for any security interest finance charge or fee associated with this contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, the following accounts have violated my rights 15 USC 1681 section 602 A states that I have a right to privacy 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction EQUIFAX REPORT XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  Accounts # XXXX # XXXX # XXXX # XXXX XXXX REPORT XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX REPORT 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 Bum. 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 XXXX 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 XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.