23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Credit Report Entry Due to Fraudulent Activity on American Express Account Dear Sir/Madam, I am writing to formally dispute an erroneous credit report entry concerning an American Express account that I never received or authorized. My personal information is as follows : Full Name : XXXX XXXX Social Security Number : Date of Birth : On XX/XX/scrub>XXXX XXXX XXXX I contacted American Express to report that I had not received my replacement card. During this call, the customer service representative informed me that the card had been activated and used fraudulently. The representative assured me that the card would be canceled and that any fraudulent charges would be reversed. 

Despite these assurances, my credit report now shows an outstanding balance on this account, which is incorrect because I never received the card and did not make any purchases with it. 

I have attached the relevant documentation, including : A copy of my credit report showing the incorrect balance. 
A summary of my phone call with American Express on XX/XX/year>, detailing the fraudulent activity and subsequent account cancellation. 
Any correspondence from American Express confirming the cancellation and fraud reversal. 
I request that the CFPB assist in resolving this issue by : Ensuring that American Express corrects my credit report to reflect a XXXX balance or completely removes the account from my credit history. 
Confirming that the account will not adversely affect my credit score or financial standing. 
Please contact me if you require any further information or documentation. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I saw this collection on my credit report and requested a validation of the debt from Portfolio Recovery Associates , LLC, the collection agency on XX/XX/2023. As you can see from the attached documentation, the request was received on XX/XX/2023, but I have not received any of the requested documentation within the required 30-day time frame. Therefore I would like to request that Portfolio Recovery Associates, LLCstop reporting this collection to the three credit bureaus. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

sunrise debt collection contacted me by phone at my job about XX/XX/XXXX years ago regarding an unpaid bill, but never was aware of the call they said they sent me a letter about 3 years ago, today they hit my credit report with 40 late payments. their answer was I spoke to them in XXXX when I asked the date they said XX/XX/XXXX which is today the day I called them regarding the situation. they say they have been calling me, however I have not one message from them in years. this is unfair debt collecting. I have 100 percent payment history and no derogatory marks until today. Had I been reminded in the last few years I would have resolved it before it came to this again no calls or messages or letters have been sent to me in years no judgements either.
Product: Prepaid card

I have disputed this company and it's party of identity theft they have given me no debt verification letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.
Product: Debt collection

My husband and I moved out of an apartment in XXXX XXXX XXXX, Utah, in early XX/XX/XXXX. At that time we were told in writing by the management that we would be liable to pay rent only until the unit was re-rented. We left the apartment in move-in condition by having it professionally cleaned, and there was no damage of any kind when we left it. The apartment was indeed re-rented within the same month. 
In XX/XX/XXXX we were contacted by the apartment 's owner with an indication that the balance of the rent was owing. I responded with their XXXX 's email confirming that we were liable only for the period of time the apartment was unoccupied. That's the last I heard on the matter until recently. 
In XX/XX/XXXX I was contacted by Columbia Debt Recovery LLC, dba Genesis. I followed the response instructions in their email, again forwarding all of the information that supported my claim that not only do I not owe them anything, but they owe me for funds not properly returned. There was no response. 
I received another contact from Genesis on XX/XX/XXXX notifying me of the same debt. I replied yet again in the same manner as before. There was no response. 
I recently received a notice from XXXX XXXX that Genesis has reported this debt to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, Experian, XXXX. I am in the process of buying a home and I need access to my files asap.
Product: Checking or savings account

I tried to withdraw my full bank account balance to my external bank account at Marcus by Goldman Sachs to my brokerage account on originally in early XXXX, XXXX. They blocked the withdrawal without letting me know the reason. They also froze my account, so I am not able to withdraw my money. I was previously able to pull out whatever amount of money from the account in smaller amounts which I had done so multiple times. 

Over the past three weeks, I called them many times to resolve this issue. At the first and second call they said that the reason for this was quick money movement and could not do anything over the phone and to try again the next day to see if the hold had been removed from my account. At the second or third call, they said I couldn't withdraw to the account I had made the smaller withdrawals from because it was not the account I had originally deposited with. At this point, I had decided I was done with their services and requested a closure of my account and demanded a full withdrawal. I was then told that the account I had originally deposited with had been removed from their records and the only account that remained was the account I was told I could not withdraw my balance to because of " quick money movement '' ( even though I had already made withdrawals to this account previously. Once connected to a supervisor, I was told the only way to receive my money would be to reconnect the account they removed by recording the trial deposits they promised they would send, in the next 5 business days and even then, I would only be allowed to withdraw a portion of my balance ( not the entire amount ). After asking why this was, they told me I had to have it in their account for 90 days I had opened. Having this experience doesn't make me want to continue having an account with their service and after I do reconnect the account, they promised me that I could withdraw from, I don't trust that they will allow me to withdraw my balance.

I think Marcus is just purposely preventing me to withdraw my own money there, in the name of security and authentication. It has almost been a month of calling. They did absolutely nothing concrete apart from saying vague words " creating a case '', " making a note to expedite this '', " we are in the process of XXXX ''. 

Looking around the internet, I realized that Marcus is notorious for holding up their client 's money using similar excuses.
Product: Checking or savings account

Im a 30 year plus customer of Bank of America who lives in XXXX XXXX XXXX XXXXXX/XX/XXXX at two of Bank of America 's branch locations in NJ, XXXX miles away from each other, were robbed for two transactions of {$8600.00}. The robberies happened within 30 minutes of each and their tellers gave them cash from two of my accounts, totaling {$17000.00}. 

I noticed this right away and reported it at XXXX XXXX  Friday XX/XX/XXXX and still do not have the funds back in my account. Whats frustrating is on Friday when I was talking to regular customer service at XXXX XXXX trying to figure out what was going on and after all accounts had been locked down, I get a text asking Yes/No if it was me trying to take out another {$1000.00} from an ATM in XXXX, XXXX XXXX miles from the first XXXXXXXX XXXX  locations. 

Ive been with Bank of America for 30 years and not one time have I ever taken anywhere near that amount in cash out, much less ten States away from where I live.

I was promised they would place my money back in my account yesterday and have heard nothing.

If you can please help me get my funds back I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : 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  *Account # 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
Product: Student loan

In accordance with the fair credit reporting act this creditor MOHELA/DEPT OF ED ACCOUNT # XXXX has violated my rights under 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 under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Update the account to Paid on time and never late Or Delete The Late Payments. 
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : MOHELA/ DEPT OF ED ... ... ... ACCOUNT # XXXX Your company is in clear violation of the law. Under XXXX5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
XXXX XXXX | XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX TX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian, XXXX, and XXXX  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Debt collection

Company called me first week of XXXX, stated I owed a debt. I requested them send me written verification of debt. They stated that they have but, to a different address. I updated my address with them and I have n't recieved any letter verifying debt. They called me today XXXX/XXXX/2016 asking me to payou, I stated I have n't recieved any mail in reference to the debt. I then provided my email to speed up the process, I havent recieved an email from the company to verify the debt. I called the number that called me and was told by a gentleman that he was not handling the case and I needed to call back in 30 minutes.
Product: Student loan

I withdrew from school XXXX University online division, and every time I go online to see if my account has been fixed to see what I may owe the school or loans the numbers are different one day I dont have a balance the next day the the numbers are changed and I have a balance, the last time this happen they delayed my stipend for 4 months, I trir6talking to a supervisor and got no where I ended up going to the corporate office and it was resolved but now they are doing it again.i have pictures of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this item to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this item corrected or have anyone from Equifax contact me about the status of my concern. Here is the item that I am trying to dispute : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2021 ( Late 30 days - XX/XX/2021 ) / ( Late 60 days - XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with TransUnion and XXXX, who will not update the status either.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App for inadequate customer service. In XXXX I had cash app, and used it often. A incident occurred where a scammer came into possession of {$500.00} of mine. Taken in 2 separate transactions at {$250.00} a piece. I attempted to contact cash app to resolve this issue and receive my funds back. After speaking with my bank, and reading on the cash app official website there was nothing I could do. No refund, no cancellation of money transfer etc. Cash apps lack of customer service and proper team monitoring caused me to never get my {$500.00} back. They deleted my account associated with my phone number ( also without consent ) and removed my ability to log into and use the app. I never once heard from anybody on cash apps side of things, my bank was also unable to contact cash app regarding this issue. Cash app still owes me {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Debt collection

I am writing this letter due to the actions that XXXX XXXX, XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX, XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian keeps showing XXXX and XXXX as delinquent payment history as well as not properly investigating my dispute. 

XXXX XXXX has finally updated their information to show a positive payment history as being paid as agreed and closed. Yet, Experian displays information from XXXX and XXXX as still delinquent payment history. 

Where are they getting this information? I have checked XXXX and XXXX and see nothing out of place or no longer delinquent. Other than XXXX hasn't updated their website yet. Experian also keeps showing my Fico scores keep dropping drastically but can't explain why. There is nothing negative with my credit history or current.
Product: Credit card

I Had A Credit Of XXXX $ On My Account Before This Fiasco Started. I Was A Victim of A Scam XXXX XXXX  on XXXX. I purchased Some Items Total of XXXX $ Due To Some XXXX Issues I Was Having I Inadvertently Purchased A Duplicate Order In The Amount Of XXXX $ I Tried To Contact The Merchant To Cancel One Of The Orders. No Response. I Get My Credit Card Company citi.XXXX Involved. I Guess Their Computer Algorithm Is Programmed To Throw Their Customers To The Wolves. In Order To Protect My Credit Score I Ended up Paying For Both The Fraudulent Orders. I Never Received any Of The Items I Ordered From Both Orders I Feel So Unappreciated As A Customer I Close my Account