23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a XXXX XXXX XXXX Credit card account on my personal credit report. This account was strictly a business account associated with my now-dissolved business, XXXX XXXX XXXX XXXX XXXX and as such should not be reflected on my personal credit file. 

I am filing this complaint against a Consumer Reporting Agency ( CRA ) for failing to address my formal dispute regarding inaccurate items on my credit report. The inaccuracies I disputed were potentially caused by mishandled personal data during known data breaches. 

FCRA Law 1681s-2 ( a ) the account is a business account and not personal therefore, it should not appear on my personal credit report FCRA Law 1681s-2 ( a ) ( 2 ) - They have the duty to correct inaccurate information, since the business account is being incorrectly reported on your personal credit report, they have the duty to investigate and correct this error which they have failed to do so after being notified of the inaccuracy
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam : This is my third time stating that I am a victim of XXXX trafficking. I provided all the information but i received a letter saying the my information wasn't accepted, i am disappointed and outraged. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to XXXX. XXXX XXXX. It is now XX/XX/2020 and I have not received a response of any kind from XXXX. XX/XX/XXXX in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with Experian XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that XXXX. XX/XX/XXXX has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to XXXX XXXX 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from XXXX XXXX attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against Experian for not properly investigating and deleting this and against XXXX. XX/XX/XXXX for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that XXXX. XXXX is fraudulent and Experian as well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.
Product: Money transfer, virtual currency, or money service

Hi, I signed up to use cash app to receive payments about a month ago and when i went to withdraw soe moey last night it read that i could withdraw XXXX. When i asked their support, which is only through chat on the app, they were less than helpful and advised as i'd reached my limit of withdrawing and sending of XXXX a month i couldn't withdraw. I know this is untrue as I've withdrawn XXXX and XXXX over the past two weeks and i've only ever sent two payments since i opened the account of 1 each so i know this isn't correct. When asked about this they just ignore your question and say we cant help. The app allows XXXX a week to be deposited and they're now saying i cna only withdraw XXXX a month, this has to be illegal and goes against what it says on the app the limits are. They're witholding over XXXX of mine and wont allow me to withdraw. I know this is a scam. I'm based in the XXXX but cash app is based in XXXX XXXX. I need help to get my money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Product: Debt collection

I was called three times today ( XX/XX/2018 ) by XXXX XXXX XXXX for a debt that is not mine. Our number has been on the do not call list for three years and I'm sick of these people constantly calling me. At this point, I can't even remember how many times they have called in the three years we've had this phone number.
Product: Vehicle loan or lease

I have made almost XXXX in payments and my loan has only come down {$600.00} I didnt notice this once I did I called and the company told me that this was because I have made a few late payments I was not aware that my payments were being put strictly to interest. I called back and asked for a completete payment summary that included paydays and due dates as well as fees and interest daily and was sent a sheet that makes no sense.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against XXXX XXXX XXXX for Violating Consumer Rights Dear CFPB, I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX their collection practices related to a debt owed to XXXX XXXX XXXX XXXX I believe that my consumer rights have been violated in the handling of this debt. 

XXXX XXXX. Creditor Information : ** - Creditor Name : XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX - Account Number : XXXX XXXX. Description of the Issue : ** I have received communication from Halsted financial services regarding a debt that is reportedly owed to XXXX XXXX XXXX. However, I have not been properly informed about this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated the following provisions of the FDCPA : 3a. I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt associated with my account.

I believe that this debt is not valid for the following Inaccuracies across the two credit Bureaus which I will include the proof in an attached document. Date opened on XXXX XXXX and XXXX are completely different. How can this be accurate if the two bureaus are reporting different dates.

- **Section 809 ( a ) ** : The agency failed to provide me with written notice of the debt within five days of their initial communication, which should include the amount of the debt, the name of the creditor, and my rights to dispute the debt.

- **Section 804** XXXX XXXX XXXX has engaged in communication practices that could be considered harassment, such as repeated calls, emails, calls at inappropriate times, etc. 

15 usc 1681 b. I did not Authorize Despite my attempts to resolve this issue such as contacting XXXX XXXX XXXX, I have not received satisfactory communication or resolution. 

**4. Request for Resolution : ** I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their violations of consumer rights. Additionally, I would appreciate guidance on how to further address this issue and ensure that my rights are protected. 

Enclosed are copies of relevant documents. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 XXXX my fiance deposited a check in his name for {$1000.00}. into my account at Chase bank ATM. The ATM receipt informs us of a 10 day hold that has been placed on the check as well as my account. This has NEVER happened before. I call immediately. The representative lied, said this was standard practice. I called back in the morning as I already had a feeling this was not right. Then began the process of many phone calls and failed attempts to fix the situation. Chase says they needed to verify my finances identity to release the funds. Every which way we could do this was somehow not an option for us. Pre pandemic, I had a Chase account for at least a decade, with many transactions proving my history with Chase and proof of transactions just like this one. That account closed while I was in the hospital so I had to open a new one. Chase then said my old account transactions are too old to use as proof. They also changed their policy, where we could no longer go into the bank in person with XXXX forms of ID as proof of identity. Implemented only XXXX weeks prior ( what we we're told ) without any knowledge to us. A notarized letter was not acceptable either. They said the only way to verify his identity would be to call him on a phone number verfied by them. Although Chase had several numbers for my fiance some of them were old and no longer in service. The numbers he has available to call they said could not be verified by their system. I even had our cell provider make sure my finances phone number is public record as his own, which we pay for. Chase still cant verify it. They say that his phone number comes up in their system but with someone elses name. I'm just at a loss at this point. If you XXXX banks that accept XXXX party checks, Chase is listed as one of them. Only that, if not endorsed properly, you can incurre fee. Even the utilities at my address, that chase has on file, are in his name. They said I violated my customer agreement, put a XXXX business day hold, where i couldn't use my account at all, and then closed my account and kept the check, when the matter couldn't be resolve in time. I was told that the check amount is now held in suspense for up to 2 years unless this can be resolved. They couldn't even tell me how a phone number is verified to try and aquire one. Further more, Chase said they did this to protect me from fraud. If they thought the check was fraudulent, why would they let it clear?, in the first place. I've noticed other stories similar to mine have to do with checks of greater amounts. All in the thousands range. Seems like a sleazy way for Chase to steal people 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called comenity bank about my Zales balance still showing {$1700.00} balance when I paid it off in XX/XX/XXXX. They said that they had computer issues and have not been able to update accounts, but were in the process of fixing the issue. That was XX/XX/XXXX. I tried talking to them again today and they didnt seem to understand my issue and gave me the number for XXXX XXXX but I couldnt get anything except a report from that company, which I do not need to buy. I have been trying to clean my report off completely and that was the last debt aside from my mortgage that I needed off to get the score that I need. Thank you for your time.
Product: Checking or savings account

Someone called stating I had felony committed under my social security number and name. Took XXXX out of my checking account to " secure my assets ". Stating from police department.
Product: Mortgage

My home is scheduled for Foreclosure Sale XXXX XXXX. I have been paying since XXXX. As of XXXX I had paid XXXX on a loan that was XXXX. My loan was transferred several times and incorrect information about how much I owe has been and Issue. Ocwen is saying still owe XXXX. I have asked for proof but they will not provide it. The loan is under the XXXX and it is not correct. They also send different amounts on the statement. I am in XXXX XXXX and XXXX XXXX. Once I reported Ocwen for Harrassing Calls they scheduled the Sale. Their is no documentation in the Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed disputes with the XXXX, XXXX and Equifax. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting around XX/XX/XXXX I entered into a loan modification with XXXX XXXX. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, XXXX continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. XXXX accepted a nominal loan amount from HUD for the amount XXXX indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with XXXX for over 2 years to correct the reporting to my credit. XXXX informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with Equifax. The result of that dispute is that XXXX reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to XXXX around XX/XX/XXXX. I indicated that since XXXX can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then XXXX must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from XXXX 's XXXX XXXX Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called XXXX 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from XXXX , still in the loan modification trial period. I have additional documentation if needed.
Product: Credit reporting or other personal consumer reports

I understand that accurate and complete credit information is crucial, and I believe there are closed accounts on my credit report that should no longer be affecting my consumer credit score. According to the FCRA ( Fair Credit Reporting Act ), it is the responsibility of credit reporting agencies to provide fair and accurate credit reports to consumers. Section 15 U.S.C. 1681 ( A ) emphasizes the necessity of accurate information and states that consumers have the right to dispute any inaccuracies or fraudulent information they find in their consumer credit reports. 

I have reviewed my credit report and identified the following closed accounts that I believe should be removed : 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: 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 and 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: Credit reporting or other personal consumer reports

Shellpoint is stating that we are 3 months behind and that our payments were returned, I have proof that the money was withdrawn from our bk account, they reported to our credit reports the we are currently 3 months behind, I was behind in XXXX and had made payment arrangements and was told that it would not impact our credit but the did
Product: Credit reporting or other personal consumer reports

Company reporting bankruptcy in error. I have contacted XXXX  a company they typically used and all information hss been deleted. Please remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019 and XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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: Credit reporting or other personal consumer reports

I decided to look and see if my personal information has been exposed. To my surprise My information has been compromised with the Equifax and XXXX XXXX XXXX. This is type of discovery terrified me. There are accounts on my consumer report that I know has been questionably. I have decided to file a FTC report, screenshot of the exposure of my personal information. My personal financial and other private information has been exposed to the dark web. There fore I am requesting for a block on all accounts listed within the FTC immediately. I am not requesting for a regular dispute but for 4 days dispute according to Section 605B. See Attachments Below Account Name XXXX XXXX- account Number XXXX XXXX XXXX Account XXXX XXXX XXXXaccount number-XXXX
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX.