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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA Dear Experian, I am writing to formally dispute an inaccurate account appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$4700.00} Date Opened : XX/XX/XXXX Upon reviewing my credit report, I found this collection account to be inaccurately reported. I am disputing this information based on the following FCRA violations : 1. Failure to Verify Accuracy ( 15 U.S.C 1681e ( b ) ) Credit reporting agencies are required to ensure maximum possible accuracy. I request documentation verifying the validity of this debt, including original account agreements and payment history. If this can not be verified, it must be removed immediately. 
2. Failure to Conduct a Reasonable Investigation ( 15 U.S.C 1681i ( a ) ) Under the FCRA, upon receipt of a dispute, the credit bureau must investigate and provide verification within 30 days. If the data furnisher can not substantiate this account with documented proof, the entry must be deleted from my report. 
XXXX. Inaccurate Reporting of Balance ( 15 U.S.C 1681s-2 ( a ) ) The balance and past due amounts appear inconsistent. If the account is paid or settled, it should reflect a XXXX balance. Reporting inaccurate information violates the FCRA, and I demand immediate correction or removal. 
4. Potential Re-aging of Debt ( 15 U.S.C 1681c ) If the reported date does not align with the original delinquency date, this could be a case of unlawful re-aging, which extends the reporting period unfairly. Please provide proof of the original delinquency date. 

Under the FCRA, you are required to : Conduct a thorough investigation within 30 days. 
Provide written proof supporting the accuracy of the account. 
Delete the account if verification is not completed within the given timeframe. 

Please update my credit file accordingly and send me a written response confirming the results of your investigation. If Experian fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by federal law. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Hello, I recently opened a TD US account via phone. I was given an account number, routing number at the end of the phone call. I provided my address in the US and also my XXXX Address for them to send my " welcome '' packet. When I got home I transferred XXXX usd to that account via external transfers. This was XX/XX/XXXX. The money left my XXXX account and has been in limbo since. I also transferred another XXXX on the XXXX. Neither of these transfers ever hit the account, or were credited as the account was never " activated '' because I did not fill out the signature card as it was sent to my US address. 
I 've had numerous bank representatives call the TD us account, I 've called at least 4 times, we 've had TD north sent my signature card to them. I 've been told something different every time I 've called. I even had a bank manager call a supervisor and was assured that she could fax the signature card and the account would be activated and the XXXX would be credited. I placed another call today to TD and taked with a XXXX employee number XXXX in XXXX , Maine , and he now stated that TD US could not accept a Signature card from a XXXX TD b/c I was an American citizen. This is the first time I 've heard that after dealing with this for almost XXXX weeks. 

So basically I have XXXX dollars in no mans land, TD wo n't accept it, but wo n't send it back to my XXXX XXXX account. I called XXXX and they 're stating that it could be another 10 days until I receive my funds back. This is XXXX not acceptable. 

I need my USD back in my XXXX account ASAP/today. Simply put, not one bank rep knew what they were talking about, and I 'm the one that has to pay the price. 

PS this XXXX rep from TD was probably the worst customer service experience I have ever had in my life. I spoke to him at XXXX XXXX/XXXX/2016
Product: Checking or savings account

Chase bank opened My personal check account early. Chase bank had to wait seven years. Chase bank did not wait seven years.
Product: Debt collection

I have requested Debt Validation on multiple occasions after receiving a case filing against me in XXXX. To date, I have not received full documentation and the debt has not been validated. Specifically, I have not received files prior toXX/XX/XXXX to account for over {$11000.00} in Brock and Scott/XXXX XXXX collection efforts. Their collection efforts have continued through credit reporting and by mail, however they have not validated the debt after repeated attempts over the last six months.
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 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

A XXXX account was open in my name without my knowledge or consent. My personal information has been involved in multiple breaches. I have explained this to XXXX multiple times and they send me the same repsonse, that they did notdetermine any unauthorized use. The entire account being open was unauthorized by me.
Product: Debt collection

XXXX was the discharged amount ; this was discharged in XXXX Cavalry sold it to XXXX and XXXX which they filed a petition in XXXX XXXX XXXX on XX/XX/XXXX. I was not notified until XX/XX/XXXX and they did not give me accurate enough time to answer. This charge was charged off my credit a while back. They guy who brought the papers to my doorstep portrayed XXXX  as someone else and then gave the paperwork to my husband. This particular person I have seen before in my neighborhood did not know who he was until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$83000.00} ; XXXX XXXX XXXX Balance : {$1.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$83.00} 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 XXXXXXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid financial hardship and loss of income these are suppose to be taken off of my credit report please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report
Product: Checking or savings account

I was withdrawing money from an atm but the atm never dispensed the money. I filed a dispute with my bank but it was denied within a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian Boost Account and have been trying to get them to resolve a loan market feature on their application. It will not allow the application to complete, it requests the last 4 of an SSN. But will not open a field to accept this. I noted today that my score had dropped by XXXX points without explanation and I wonder if hard inquiries were submitted against my credit report without my knowledge or authorization. 
Experian has failed to address or respond to my requests for information and to resolve this issue. 
I want these issues corrected immediately and my score updated prior to the change without my consent for any inquiries at all. Also, they even advertise if the application could be completed it would not affect a score. It should be a redundant statement as again the feature can not be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all three credit bureaus XXXX XXXX and Trans Union Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.
Product: Checking or savings account

Hi- I wanted to close an account I had at Bank of America. I had a low balance {$150.00} in a small business account. My business closed. I was slow to close my account because I was under the impress the money would just sit there until I called and closed it. 

BofA proceeded to charge me a NUMBER of fees ( approximately {$30.00} a month ) until the balance was down to ~ {$50.00}. I called BofA multiple times asking them to PLEASE close my accounts. They made the process INCREDIBLY difficult. I was transferred a million times, I was put on hold then hung up on, I was told I had to transfer out the money to close it. I told them, " KEEP MY MONEY. I DONT CARE. JUST CLOSE THE ACCOUNT. IM SICK OF THIS. '' They mailed me a check for the balance in the account, but didn't close my accounts for months. I chatted with them today and the person on the chat told me I OWED THEM MONEY. SPECIFICALLY {$4.00}. AND THEY COULDN'T CLOSE THE ACCOUNT until it's in good standing. Her name was XXXX XXXX. Then I pointed out I had a {$8.00} balance still so they can ( 1 ) refund me for all the charges they've been charging me and that should provide a balance more than ample enough to cover the {$4.00} or ( 2 ) use the already existing {$8.00} balance. 

The person on chat kept saying " confirm you want me to close the account '' and I'd say " yes! '' and they'd ask again " are you there '' and " can you confirm ''. I'd say yes a million times! Then I'd point out, " I have an {$8.00} balance '' and they'd said " you do and this is collections ''. I had to ask like five times if it was a bot because they were being so nonsensical. 

I just want to close my account and never EVER bank with them again. I don't care about getting all my fees back or my remaining balance. I just want my accounts closed. 

But BofA deserves a class action and fine for this because I can't even imagine how many people this happens to in a less fortunate situation than me who are being robbed, fined, and treated like this by BofA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found incorrect information and a fraudulent account furnished by a credit reporting agency. I have called/emailed and mailed out information to all credit reporting agencies with the correct information for update. After waiting months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer and therefore mark grounds for deletion. All information reported must be accurate according to the FCRA. 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. States a consumer reporting agency can not furnish any account without my written instructions. This has caused great damage to my credit report and needs immediate attention. XXXX XXXX # XXXX is the fraudulent account that needs attention please.
Product: Mortgage

Guaranteed Rate Mortgage Company has blocked my request for application to remove PMI from my mortgage loan. They have also not made payment from escrow to pay for my property flood insurance. I have included a dated paper trail of my request. I emailed on XXXX requesting PMI removal from my loan due to its increased value above the 75 % LTV thresh hold. I included both a pre and post renovation and improvement appraisal showing the home was worth XXXX and is now valued at XXXX. The mortgage note was 3 % down on a purchase price of XXXX. My current note payoff is approx XXXX. My calculations put my current LTV at XXXX = 64 %. Guaranteed rate responded twice with the only option of requesting an appraisal at cost, and paying off the original note at current cost and pay them XXXX dollars. I then completed a final request on XXXX which stated that my request to remove PMI should be based on current LTV, and that I requested the 2 year seasoning waiver which is allowed per HUD rules for significant property renovation or improvement. I have heard no response from Guaranteed rate and I would like to report them for deceptive banking and blocking my request for PMI removal. 

The second issue I am having with the bank is that they have not paid my flood insurance out of my escrow account. I received a letter on XXXX from GR stating that they had no proof I had flood insurance, and that they were obtaining insurance at my cost on their behalf. THEY PAY MY INSURANCE THRU ESCROW!!!!. I contacted my insurance agent promptly and had her verify that GR was named on the policy. She has requested by fax, and phone, payment for this flood policy. It is now XXXX and they have still not made payment. This is absolutely unacceptable behavior. My insurance payments should be made promptly by my mortgage holder who is responsible for escrow payments. 

I do n't know if the XXXX issues are related, but I request that this Mortgage company be investigated for these issues.
Product: Credit reporting or other personal consumer reports

XXXX # XXXXSubject : Request for Debt Validation Account Number XXXX Dear XXXX XXXX Disputes Department, I am writing to formally dispute the debt associated with my account, account number XXXX. I request that XXXX provides full validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following : Verification of Debt : A detailed breakdown of the charges associated with the account, including the nature of each charge and any interest or fees applied. 
Proof of Ownership and Authorization : Documentation proving that I authorized this account and consented to the services/products listed. I request a signed contract or terms of service documentation. 
Details of Equipment and Services Provided : Confirmation of all products and services associated with the account, including devices, service dates, and transaction history. 
Transfer of Account Details to XXXX, XXXX : Documentation confirming the transfer of this account to XXXX XXXX XXXX, along with any correspondence indicating this change. 
Proof of Payment History : A full payment history, showing payment dates, amounts, and any fees applied, to verify the balance stated. 
Compliance with FCRA and FDCPA : Confirmation that XXXX adhered to FCRA and FDCPA guidelines regarding the reporting, transfer, and collection of this debt. 
Additional Information Please be advised that I do not acknowledge the validity of this debt without proper verification. If XXXX is unable to provide sufficient validation, I request that the account be removed from my credit report and that all collection activity cease. 

If this account has been reported incorrectly, I expect that XXXX will rectify this with all credit bureaus and provide confirmation of the correction. 

Thank you for your attention to this matter. I look forward to receiving a response within 30 days. Please send all correspondence to the address above.
Product: Debt collection

I was contacted in XX/XX/2017 by a Collections agency Procollect Inc ( XXXX XXXX XXXX, XXXX, TX, XXXX XXXX ) for a debt of {$5800.00}. 

Per the Collection Agency, I was owed rent and other charges while I stayed in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX ). I was told I was the second applicant in the rent application ( along with someone else ). The community failed to provide me any more details when I contacted them by phone. 

I have never lived in the said community. I own my house and live with my wife and XXXX XXXX. We have been married for 6 years. I have never even been to or seen the community. 

I had communicated the same to XXXX XXXX over the phone and sent them a notice on XX/XX/2017. I had also sent the notice to ProCollect Inc. I had also shared my Mortgage receipts, my address proofs for my owned house. 

XXXX XXXX never responded to my communication. They have now ( XX/XX/2017 ) placed this debt on my credit report which has now caused my credit score to drop considerably. 

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

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit profile. These inquiries have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I only received response from credit reporting companies that the account was verified as mine
Product: Mortgage

Freedom Mortgage is the servicer of three of my mortgages. They frequently send mail solicitations via USPS promoting refinancing and pther loan products. Often these solicitation include details of my personal finances including my existing loan balance and cash out availability. Due to concerns for my privacy should the mail be misdirected not to mention the pure nusance of so many comminucations, on XX/XX/2018 I  contacted Freedom Mortgage via email to request that they discontinue sending mail solicitations and any other correspondence other than that which is necessary and required to service my existing mortgage loan. I received a mail correspondence from Freedom on XX/XX/XXXX acknowledging my requesting and indicatng that my privacy settings had been changed on al three accounts. However, these unsolicited and private financial information continues to be sent to my home ( letters were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ). I have communicated with a Ms. XXXX XXXX, a representative of Freedom Mortgage with the assistance of the New Jersey XXXX. However, Ms XXXX has been unsuccessful in addressing my concern and insists that that they not coming from Freedom Mortgage. The attached photos from a soclitation postmarked XX/XX/2018 proves that indeed the letters are coming from Freedom Mortgage and financial  information regarding my loan is clearly visible through the address window of the envelope.
Product: Checking or savings account

On Thursday, XX/XX/year>, while attempting to log on to my USAA mobile app, the automated system could not verify my identity or information. Neither my PIN nor my social security number was recognized. Shortly after that, I contacted USAA to inquire about why this was happening. The agent then informed me that USAA was severing ties with me and would no longer provide me with banking services as per their depository agreement. She also informed me that the process would be completed in 60 days. I believe this is in retaliation for the complaints that I previously filed against USAA for not adequately addressing my fraud claims. Another thing is that the majority of my money is with USAA and the agent told me that they would issue me a check within the 60 days. I can not, by any means, afford to wait an extended period to receive my deposit funds. I am a XXXX veteran and, as previously stated, the majority of the money that I have is with USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accessed annual free credit report on about XX/XX/2019. 
Problems : 1. ) Report listed closed account as open.

2. ) Most of the data is out of date, including that none of my recent credit issues ( such as active credit cards and active mortgage ) are listed.

3. ) I submitted Dispute. Received Dispute completed # XXXX. Attempted to access online. 
4. ) Online access to Dispute not available.

5. ) telephoned Equifax for information. Was told I had to be " verified ''. The answers to the questions I was asked were relying on Equifax 's erroneous data and therefore I was denied access to the Dispute information. I spoke with first XXXX, who first of all was very difficult to understand, and then her supervisor, XXXX ID : XXXX. 
Neither were at all helpful, including refusing to take steps to update my Credit Report information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX automatically change it to XXXX XXXX XXXX.The Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX  does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
* indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXXXXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, 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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XX/XX/2021