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

XXXX XXXX & Experian after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXXn You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX & XXXX DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX cred . their is no modification inaccurate information. 
XXXX & Experian Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 Experian is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing
Product: Credit reporting, credit repair services, or other personal consumer reports

Original creditorXXXX XXXX XXXX XXXXXXXXOpenedXXXX XXXX, 2016. XXXX XXXX XXXXAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> PRO COLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS Subject : Dispute of Collection Account XXXX Dear PRO COLLECT INC I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within XXXX  days of receiving this letter. If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Student loan

I made my XXXX student loan payments early and on time, under the SAVE program. I made the payment for the balance that was due. I checked my balance for my student loans and noticed the balances due increased. I emailed Aidvantage due to the fact that under SAVE program the balance shouldnt increase as long as I pay full balance due. When you try to call the hold time is long and calls hang up. I have received no response to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section XXXXand XXXX that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. Factual Data XX/XX/XXXX. 
2.XXXX XXXX XXXX XX/XX/XXXX. 
3.XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Can't/ tires XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand XXXX the way we do. They are taught to break the law. They also just hang phone up on you.
Product: Student loan

Back in 2010 when the Income Based Repayment plan was drafted and approved by the government, I went through a transition in my life ( moving from XXXX  to XXXX  ) and was out of an income in general. My Federal Student Loans granted me the option of IBR based on my situation. After going through the same process with ( formerly Sallie Mae ) I was denied IBR at that time and was told the only option available was forbearance. After seeing the lawsuit taking place against the company in California, it has come to my attention that this is very similar to my situation 10 years ago.
Product: Debt collection

On Monday XXXX XXXX 2015 at XXXX EST I returned a phone call from a debt collection company called Nationwide Debt Management Solutions . An employee from the company answered the phone who identified himself as XXXX. XXXX began to give me information regarding my debt and the reason for the phone call. XXXX asked me to provide him my personal financial information and where I worked. I declined to provide this information as I felt unsafe to do so without receiving written notice. 

Abruptly another male employee jumped on the phone identifying himself as XXXX XXXX, Collections Manager, and demanded I provide the information XXXX requested or they would n't be able " help me '' with making payments. He threatened me that he would tell his staff not to provide me payments if I did n't give him my personal information. XXXX went on to use abusive and aggressive language by demeaning me by in a hostile tone, " you know your financial situation. '' " If you do n't tell us the information we need to know then we wo n't be able to setup payments. '' The harassment continued on with his bullying tactics and trying to scare me while the other employee XXXX did nothing. 

This company has XXXX complaints filed with the XXXX. Someone needs to take serious corrective action against this man and his company. It is not the Wild West and if I am held accountable to a low credit score due to my personal financial situation then unprofessional and harassing collections agents need to be held accountable for their unprofessionalism and abuse.
Product: Checking or savings account

On XX/XX/XXXX of 2022 a fraudulent charge appeared on my Wells Fargo checking account. On the same day XX/XX/22 I reported the fraud to Wells Fargo and asked that they close the account ( attempt XXXX ) they informed me the pending fraud MUST be addressed prior to the account being closed, which would take XXXX days. I waited the XXXX days, when Wells Fargo notified me that the fraud was not posted, so they finished their investigation. At this time I called the bank to close the account ( attempt XXXX ) and I was told there was a pending charge, and they referenced the prior fraud charge, which I told them had been addressed. I got XXXX different responses ; XXXX ) The is the SAME fraud as before, and it should not have been closed. XXXX ) It was fraud again on the same account, same amount, XXXX days later. I don't know what statement is true, but I was unable to close the account again. I waited for the fraud to be investigated again, and then on XX/XX/22 I made an appointment with XXXX XXXX at Wells Fargo to close the account ( attempt XXXX ). I let him know about the fraud and the issue, and he assured me he would be able to provide me the available balance of my account, and close the account same day. He told me the account would be closed, XXXX days later I received an overdraft notice, and understand the account was NOT closed out, and now additional fraud charges and fees are adding up on the account. Wells Fargo has not address the issue at all, and this is becoming unnecessarily difficult to close an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


CAPITAL ONE BANK XXXX  N # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several things with the bureaus and they have not responded to my request. It has been several months and I need to know where I stand with the information I disputed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proce 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: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated challenges I have faced in correcting inaccuracies on my credit report. Despite numerous attempts to address this issue, late open accounts persist, and I have encountered difficulties in removing late closed and charged-off accounts. These inaccuracies are causing substantial harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports highlighting the specific late open accounts, late closed accounts, and charged-off accounts, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress. I am well aware of the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly correct the late open accounts and remove the late closed and charged-off accounts from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to resolve the inaccuracies.

If my concerns are not addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open account and removal of late close and charge off in my credit file : 1. XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX  XXXX XXXX Balance : {$240.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3. XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
4. XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
5. XXXX XXXX XXXX Balance : {$430.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
6. XXXX XXXX XXXX XXXX Balance : {$790.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

MRS BPO has contacted XXXX and negativley affected my credit report ( which was OUTSTANDING ) that they represent a debt for collection. They will not tell me who they represent. MRS BPO is listed as a collection agency representing their client ( unamed ) on my credit report as some entity who claims I owe money. I have no idea who MRS BPO represents and have never received a bill from them OR their client. 

I need them to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with their client including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 

Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 

By copy of this letter, I am notifying XXXX, XXXX and XXXX that I am filing a formal dispute of this account. 

I am also notifying the XXXX, Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the FDCPA and the FCRA by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. 

You may mail your response to me at the address on the account. 

cc : XXXX, XXXX XXXX, XXXX and CFPB, Attorney General Consumer Protection Division, XXXX, New Jersey
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 Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit card

On XXXX  XX/XX/XXXX I tried to use my checking account and debit card with Square to send payment of {$300.00} to XXXX of my suppliers via XXXX which is advertised as a capability of the Square system directly on their website. The transaction was repeatedly declined despite funds and no limits ( it was the start of the month and first transaction ) having been reached yet. Customer service was not available until XXXX  the XXXX. At XXXX XXXX time I called their customer service line and was told that the information on their website was not true or factual and that there is a {$0.00} limit to XXXX ( and cash app ). I explained that this was not the terms disclosed on the website which informed our decision to use square as our processor and being told that option was in fact not available instead. The customer service representative did not give a reason or resolution despite numerous attempts to get clarification as to why they had a hidden policy change and did not disclose this as the terms of their policy. After continued efforts trying to get a direct answer, I asked to speak with a supervisor who could better explain or find resolution for my business to use our funds in the manner which was advertised, but the agent refused and ultimately hung up on me after saying the call was no longer productive. We still don't have a resolution or capability to send our funds to suppliers or vendors that use XXXX to receive money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverifiedinformation without providing any proof within the period allowed by law. The followingaccount need to investigate and correct for erroneous reporting in my file and are listed onmy credit report : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; USDEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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: Debt collection

On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact XXXX and XXXX, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact XXXX and XXXX multiples time and have never received a call back.
Product: Checking or savings account

Bank of America ate my deposits, my merchant money and my XXXX transfers. They charged unusual fees and because of these issues my checks bounced and made me look irresponsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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 card

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX  and serviced by Concerto Card Company, was closed due to the XXXX XXXX program being discontinued. However, the rewards page is gone from the account, and I was not given any compensation or notice to redeem any remaining points before discontinuation of the program. 

The value of my points would have been XXXX XXXX of merchandise, but since this is a program-wide cancellation, it seems like many other consumers are affected. This card was primarily a rewards card with the promise of team merchandise, so the practice of drawing consumers in and then cutting off rewards was incredibly deceptive.
Product: Debt collection

Credence is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have called repeatedly to resolve this matter and have the account removed from my credit file. I never had any past service with XXXX XXXX XXXX. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account for XXXX XXXX  AND VYSTAR CU, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K
Product: Money transfer, virtual currency, or money service

XX/XX/2022 fraudulent XXXX transaction of {$1500.00}. Every time I call the customer service number there is an enormous wait time, most recently 45 minutes. I get disconnected and when the service offers to call me back, I get the call however there is no agent present and the phone disconnects. I would like to get my money back if possible.
Product: Checking or savings account

Good afternoon, Complaint # XXXX summary : In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from XXXX that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 

Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). 

So I would like to have your help again please to fix the same error. 

Regards XXXX XXXX