23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally demand that you immediately cease and desist from reporting inaccurate, unfair, or outdated information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer credit laws.

I have recently reviewed my credit report and identified the following issues that I believe are in direct violation of my rights as a consumer : These inaccuracies are harming my credit score and adversely affecting my ability to obtain credit, housing, and other financial services. I have made reasonable efforts to dispute these entries through [ insert method, such as " the dispute process, '' " your online portal, '' etc. ], but they have not been addressed adequately or in compliance with the FCRA.

Under the FCRA, I am entitled to a fair and accurate credit report. Your failure to correct these errors violates my rights as a consumer. I am also concerned that these inaccuracies may be the result of negligence, miscommunication, or intentional disregard of my rights. 

This letter serves as a formal demand that you : Cease and desist from reporting any further inaccurate, outdated, or unfair information about my credit. 

Correct or delete the inaccuracies in question within 30 days as required by the FCRA. 

Provide written confirmation that these issues have been resolved and that my credit report has been updated accordingly. 

Please note that if this issue is not resolved within 30 days of the receipt of this letter, I will be forced to take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal action for damages caused by this violation. 

I expect to receive your response and confirmation of the corrections made no later than [ insert specific date, which should be 14 days from the letter date ]. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2023, someone got into my Cash App and sent money to an unknown account. I contacted authorities immediately and started an investigation. Cash App told me that there was no way to recover those unauthorized charges and that there was no way for me to get any help. Since Cash app did this I went directly to my bank for assistance, now no one wants to help me with my situation. It is XX/XX/2023, and I have contacted Cash App multiple times to reopen their investigation because I have stated very clearly that these transactions on the account where unauthorized. They continously tell me that the XXXX shown on for the charges came from my account, but I've told them countless times that I DID NOT AUTHORIZE THEM! Even when I try to ask to speak to a manager, they can only send me one-way emails and continue to enforce that there is no way to reverse their decision. I am seeking help because now my Bank is attempting to charge me for the money that was credited to me during the investigation. Cash app had told me the only things I could do was : 1. ) Request that the person who received the money refund back to me. 2. ) Contact Law Enforcement. I have done both of those things and am getting nowhere. I need help because my account is now in the negative and I feel that I am being treated unjustly.
Product: Checking or savings account

Set up a new Chase account so I could have direct deposit for my first job. 
Opened the account without issues, submitted the direct deposit forms thru my job and received the first deposit for a XX/XX/XXXX pay date in the amount of {$340.00}. Which hit my account as expect, automatic rules moved {$100.00} to my linked Chase savings account leaving {$240.00} in my checking, then transferred {$20.00} to another linked Chase checking account, leaving me with {$220.00} that I left for later use. On XX/XX/XXXX there was another direct deposit for {$280.00} that hit my account but I could not verify the funds as my Chase online app was not working. I visited my local Chase branch and they stated that the checking account was being closed for the reason " We chose to end out relationship '' and a letter as well as the funds in the Checking account were being mailed to my address. The savings account was still open, at which time I withdrew the {$100.00} and closed my savings account. I then watched my mail over the next 3 weeks, now putting us into XXXX. Still noting in the mail. I contacted the XXXX number on the back of the debit card and was told that the checks are in the mail and to wait until the week of XX/XX/XXXX and if I still have not received the check to call back for them to be reissued. On XX/XX/XXXX I contacted Chase via XXXX number and was transferred several times before I reached their 'back-office ' department at which time they told me that the funds from both the XX/XX/XXXX ( {$340.00} ) and the XX/XX/XXXX ( {$280.00} ) direct deposits " could not be verified '' so there are NO funds owed on this account. I stated that this doesn't make sense as I had funds and actually withdrew funds from the Savings account. The representative stated again that those funds could not be verified and nothing is owed to me. 

Next I contacted my employers payroll department " XXXX '' who verified that the XX/XX/XXXX paycheck was indeed direct deposited and not returned but the XX/XX/XXXX paycheck was submitted to Chase for direct deposit and returned. ( This makes sense as the Chase checking account was closed on XX/XX/XXXX ) At this point I'm at a loss on where to go and who to talk to as Chase owes me {$220.00} balance from checking and {$280.00} direct deposit from XX/XX/XXXX paycheck. I feel that I have contacted Chase and dealt with several departments and two visits to a bank branch with no luck. {$500.00} to a teenager is a great deal of money. 

Additionally I have had several poor customer service interactions with Chase and will never deal with them again for the rest of my life. Very poor people skills and lack of urgency when it comes to my money. Blind transfers every time and the statement " funds count not be verified '' and " there are no funds owed '' is very surprising.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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

It has been over 30 days since I've contacted Experian regarding a dispute that included two accounts reporting on credit file that were established without my knowledge or consent. These accounts today are still reflecting on my Experian Credit Report. I have sent supporting documentation including a identity theft report which was very detailed. Experian has and continues to violate the Fair Credit Reporting Act Sections 605b, 609, 611. In addition Experian placed an account in dispute that was never initiated on my behalf ( XXXX XXXX ). I called Experian and after speaking with a Representative I was told it was nothing that could be done about which is unacceptable. So Experian has 1. Failed to provide accurate or 100 % verification within 30 days or proof obligating me to the fraudulent accounts in question. 
2. Has failed to provide a block within 4 days after being notified with a supporting documentation including a Identity theft report from the FTC 3. Has removed an account in error and admitted to doing so but is unwilling to cancel this dispute they initiated. 
4. Experian has caused a financial strain on my current financial situation in regards to credit score not being accurate due to their negligence.
Product: Payday loan, title loan, personal loan, or advance loan

US BANK LOAN COMPLAINT I was approved for a small personal load of {$5500.00} and have about {$35000.00} in cd and a credit card at their bank. The problem I am having with them is in order to receive the loan I need I had to provide a 6 digit code ( see photo ) sent to my cell phone to get it. The code had never appeared in my text messages and it is also slander claiming that it is not me and have to prove it. I spent 2 hours on the phone with this banks locations and no one will fix the problem since they will only accept the code. My phone works perfect as it was tested. I will not get my loan now because of this stupid code and no other way to verify it even being I provided many people with their requested information. Not getting this loan is going to cost me a great deal on money.
Product: Debt collection

On XXXX/XXXX/2016 I was reviewing my credit reports and noticed that a collection company by the name of Commonwealth Financial System was reporting a medical account for {$1000.00} as of XXXX/XXXX/2016. I immediately called them with my financial advisor and spoke to a supervisor by the name of XXXX XXXX extension # XXXX. We explained to her that the account was not mine and questioned her how can they send wrong information to the credit bureaus without making sure that they are sending the correct information? She stated that all they do is send a letter informing the person that the debt stands but other than that that 's all they do. I stated to her that that 's wrong because the FCRA states that they have to verify all information that 's true and correct before reporting to the credit bureaus. She stated that they sent a letter to XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I stated to her that I have never lived there. She really did n't have an answer for this. I requested that they stop collections attempts and to have this account removed from my credit reports. This account has affected my credit scores by more that XXXX pts. and I have a business that depends on my credit score and now it 's deeply affecting my business. I was instructed to send a letter of dispute and to contact all three credit bureaus. The account number is : XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My info was bought and sold illegally, because i was a victim of the Equifax data breach. I would like to have these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim if this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I opened a dispute with Equifax. XXXX reported that Equifax has not updated my XXXX XXXX balance since XX/XX/year>. On XX/XX/year> XXXX XXXX corrected this information. I just received an alert today from XXXX that states Equifax has reported information that my creditor has not reported to them. A few things, XXXX XXXX is closed today, They only report once a month, and last but certainly not least they just received a payment for the total amount that Equifax has reported. I just paid them they have no reason to report that. Equifax is fishing for information and has reported info that was not provided by my creditor. By doing this they have impacted my credit score unnecessarily and destroyed my lending opportunities. When I went to check my credit report it was no longer posted on their website. I have attached supporting documentation.
Product: Debt collection

In the early part of this past summer we were having trouble with our local mail delivery so my wife called XXXX XXXX XXXX ( XXXX XXXX ) to ask what I owed since I did n't receive a bill. She was first advised that she was only an authorized user on our card and they would n't give her the amount owed. She explained phone call after phone call that all she wanted was the amount owed so we could do the right thing and pay for the items we purchased and finally, on XX/XX/XXXX, someone was willing to give her the information needed. She asked then very specifically and clearly for the total amount owed to XXXX XXXX on XX/XX/XXXX, was advised {$140.00}, and paid them over the phone with our checking account that full amount due. The company went out of business and the card was closed so it is not like they can say we owed more after that because of subsequent charges. Yet they instead sent yet another bill with more finance charges and late fees based on fees they claim they had n't billed us for. My wife called them last month and was advised this would be resolved and was promised a phonecall back but of course that did n't happen and we are once again receiving bills for late fees/finance charges they just keep piling on month after month for no reason. My wife called them today and was first advised that these bills would just continue as they did n't agree with my " dispute '' and when she called back to speak to them again they have reverted back to " we ca n't speak to you because you 're not the primary cardholder '' ( same XXXX. that started this whole mess back in XX/XX/XXXX when she called over and over again just to find out how much was owed so I could PAY them. ) I did the right thing pursuing paying a bill the USPS never delivered, gave the respect to XXXX XXXX it did not deserve by paying what I owed for purchases made by myself and my wife as advised by them ( XXXX ) and have had nothing but aggravation and unfair treatment from them. I am struggling to keep my head above water and do not need or deserve to have bogus charges/fees count against me on my credit history because of unfair credit card practices.
Product: Debt collection

Company states i owe this debt but i never used their product at all and the debt is not valid
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form XXXX was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA.

Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

I 'm being called by ( XXXX ) XXXX. He wont tell me his name, what company hes calling from and is asking for XXXX XXXX, and " you must know her tell me where she is. '' He keeps calling and will not let me talk to a supervisor because he says he is the supervisor. Very rude on the phone
Product: Credit card or prepaid card

My membership rewards account is currently " under review, '' and points redemption is currently frozen. I called several times to inquire and was told the following information : - The beginning of the review period was listed as XXXX/XXXX/2019. 
- I was initially told the review process takes AT MOST 6-8 weeks.

- I called after 8 weeks, and was told by a supervisor that the 6-8 week number was incorrect, but it is actually 6-10 weeks.

- I called after 10 weeks, and I was told by a supervisor that they can not provide me any information at this time.

It has now been more than 11 weeks since the review was  initiated on my account. I have been given no information as to when the review will be complete. I have earned more rewards points since the beginning of the review period that I can not access, in addition to the rewards I already had when the review began. This is an extremely unnecessarily long review period, and the fact that there is no end date provided is ridiculous.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX or New Owner Please send me a copy of my credit report and also advise me of how my information was obtained and placed a security freeze on my account so that its not shared with any third-party. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off the card I no longer owe them and they are reporting negative information on my credit report which is damaging my credit rating
Product: Debt collection

A collection agency is trying to collect on a debt that has already been paid. The original creditor ( XXXX XXXX XXXX ) was paid by the XXXX XXXX XXXX. The XXXX also committed XXXX fraud by billing XXXX after they had been paid by the XXXX XXXX XXXX. I am being harassed because I am a senior citizen living on a fixed income. I was an inmate in the XXXX XXXX XXXX. I am not responsible for a {$110.00} medical bill. The city of XXXX, Virginia is responsible for this bill. I never received any medical care from the XXXX XXXX XXXX. I am a victim of harassment by The Credit Control Corporation. The Credit Control Corporation is conspiring to defraud and extort money from me for services that were not rendered.. The Credit Control Corporation is also guilty of conspiring with the XXXX XXXX XXXX XXXX to defraud XXXX out of money that was not owed. XXXX paid a claim for services that were already paid by the XXXX XXXX XXXX for services that were not rendered. This is fraud in its most quintessential form. The Credit Control Corporation is violating my civil rights by putting false, inaccurate information on my credit report. There is no record that I ever received any medical care. I never signed any forms or papers requesting services. My signature does n't appear on anything. I was never there.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with Milestone in late XXXX of 2024, and they reported the account to the credit bureaus with an incorrect date of birth. Despite contacting them multiple times, they claim that the issue may have occurred due to a possible typo on my part during the application process. However, I believe it is their responsibility to verify the information before reporting it to the credit bureaus. Because of this, I have been unable to access my account or manage it properly through their website. This has led to payments being made under false pretenses for an account that I could not fully verify or activate due to the incorrect DOB. The company has refused to refund the payments, and I am disputing this with the credit bureaus as well. This has resulted in an inaccurate report being filed under my name, affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also XXXX and Transunion are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.