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

I am writing to formally dispute the inaccurate and inconsistent information being reported regarding XXXX on my credit report. Specifically, I am referring to the payment history for the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> The payment history is incorrect and inconsistent across the months in question. My credit report shows the following : XX/XX/year> : Reported as charged off XX/XX/year> : Reported as charged off XXXX through XX/XX/year> : Reported as Paid XX/XX/year> : Reported as charged off XX/XX/year> : Account charged off again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This reporting is inconsistent and fails to align with my actual payment history for those months. The errors in reporting have had a direct and negative impact on my XXXX XXXX, and I am demanding that this inaccurate information be investigated and corrected. 
Furthermore, I am aware of ongoing legal action against Experian for its failure to properly investigate and address disputes. As you are aware, under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate any dispute promptly and accurately. Experian has failed to fulfill its duties in past investigations. 
In light of this, I demand that you immediately remove this account from my credit report due to the inaccurate and inconsistent reporting. Under the FCRA, you are obligated to ensure that all information on my credit report is accurate, and you are not allowed to report misleading or erroneous data. If this matter is not resolved satisfactorily, I will not hesitate to take further action, including seeking legal remedies for the violation of my rights under the FCRA. 
Please confirm in writing that this account has been deleted I look forward to your prompt attention to this matter. Thank you for your cooperation in ensuring that my credit report accurately reflects my payment history.
Product: Credit card or prepaid card

Someone unknown to me opened a Sears/Citicard account in my name on XX/XX/XXXX and had the statements sent to an address not mine. In XX/XX/XXXX I began receiving aggressive collection phone calls at my home phone involving relentless ( and unsuccessful ) attempts to extract my social security number from me. After requesting documentation and providing my actual mailing address, I received a cover letter from Citicorp along with months of Sears statements. I phoned Citibank to report the fraud and was met with further insistent and suspect demands for my SSN. The phone call was fruitless. I mailed a letter to Citibank ( at the address on their cover letter ) and to Sears detailing the fraud and the unsettling phone calls, with a copy of Citi 's cover letter and the Sears statements. The letter to Citicorp. was returned to me " return to sender, not deliverable as addressed, unable to forward ''. There has been no reply from Sears. I now have received a new current statement from Sears, and an offer from Citicards to settle the {$860.00} account balance for {$210.00}. I have filed a dispute with XXXX, and am mailing them a fraud alert request today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate charge off reporting associated with this account at Kia Motors Finance America . The erroneous charge off status on my consumer report has had a detrimental impact on my creditworthiness and financial opportunities. 

I request an immediate investigation into this matter to rectify the inaccuracies. Kindly undertake the following actions : 1. Conduct a thorough review of this account to verify the accuracy of the charge off status as reported on my consumer report. 
2. Correct the inaccurate charge off entry by providing written notice to XXXX, XXXX, and XXXX, requesting the removal or correction from my credit report. 
3. Provide written confirmation of the correction or removal within XXXX  days from the receipt of this notice, in accordance with the Fair Credit Reporting Act. 
4. Cease any further reporting of inaccurate or misleading information related to the charge off on my consumer report. 

I have enclosed relevant documents for your review and investigation. Please acknowledge receipt of this notice within XXXX days. 

Failure to address this dispute in a timely and appropriate manner may result in legal action and the filing of a complaint with the Consumer Financial Protection Bureau. 

I trust that Kia Motors Finance America will prioritize the resolution of this matter promptly. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello CFPB, Thank you so much for taking care of helpless customers who need to deal with some poor regulated bank. 

I am writing to complain Netspend ( XXXX XXXX ). My name is XXXX XXXX. My card number is XXXX. XXXX last year 2016 I opened both checking and savings account. At that time I chose the account plan - " Pay as you go '', which charges me a fee when I use the card but does not charge me any monthly fee. 

However, recently I found out that my account was locked ( not sure when did this happen ) and I did n't get any notice during this whole year. They actually had my email address and my phone number on file. They locked my account and banned me from accessing my money without ANY notice, nor did they verify my identity before doing this. 

I just got access to my account these days and was surprised to find that I was charged monthly fee of {$5.00} for more than 1.5 years. Their representative could do nothing but kept asking many questions, and totally wasted my time. Every time I asked them to transfer me to their supervisor, the music is going on for around 1 hour, and another similar representative picked the call. Those people are just stonewalling and wasting customer 's time. 

Right now I strongly suspect they lock customer 's account in purpose and then charge fees on their account. 

Thanks. Thank you so much!
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX  account id number is XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance in XXXX ga. Is reporting a chapter XXXX bankruptcy on top of a charge off that states closed. I have disputed 3 times in the last 5 months. They go in take the comments off then the following month add them back on. They have my credit looking like I've just filed bankrupt in the past month and it will be 7 years in XX/XX/2019 that I've filed. They are causing my score to drop by 26 points at a time by adding one comment about the bankrupt. I understand I filed bankrupt on them 7 years ago but they are doing more damage to my credit report today than actually filing the bankrupt. It has been an ongoing battle for 5 months with them adding and removing comments. I call XXXX and do a dispute they remove the comments then the following month they are back on there, How can I build my credit when every other month this same company is knocking it down by at least 26 points. I have called XXXX and done disputes, filed several disputes on line and I can not seem to get it corrected.
Product: Mortgage

1 ) Please provide the name ( s ) of guarantor ( s  ) for loan #  XXXX .      2 ) Provide the name ( s ) of ind ividuals whom applied for credit for loan #  XXXX .     Thank you -  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 resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 45 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from Unifin collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.
Product: Debt collection

Medicredit INC has reported debt on my credit report without prior notification. 
I have sent two request by United States Postal Service to request proof this debt belongs to me and also prove Medicredit is authorized to collect on this supposed debt. 
I have received no response. I am not aware of the amount of {$1900.00} being owed by me until my credit report notification of collections account nor have anyone sent me a bill to formally prove this is my debt.
Product: Checking or savings account

On XXXX XXXX I spoke with XXXX XXXX via chat to report fraudulent charges after my wallet was stolen. Those unauthorized charges were reversed and I heard nothing else until on XX/XX/XXXX, a letter sent to me stating that my dispute case was investigated thoroughly and found to not be fraudulent and that those charges would be reversed back. I called on XX/XX/XXXX, spoke to a representative, and asked her what was investigated for USAA to claim these charges were mine when they are not, I was told it was because XXXX. My debit card was not missing, and XXXX. A pin number was used with no failed attempts. I explained to her that is inaccurate, that my wallet was stolen with my card inside it and it was reported to USAA over a month previous, so that card ending in XXXX most definitely is NOT in my possession. The rep said she would add notes to that case, that in fact I do NOT have said debit card in my possession and again these are not my charges. The very next day on XX/XX/XXXX, another letter sent to me, this time they removed that the debit card was still in my possession, but claim a pin number was used with no failed attempts so that charges are not fraudulent and on XX/XX/XXXX reversed all the charges that were reported. 
Now, I am getting my own documentation together to reach out to you to let you know about these unauthorized charges, also provide you with documentation to prove that I contacted USAA and did everything correct on my part, and ask you to look over this dispute again, and replace the funds to my account. Also, upon looking thru the chat record of my initial dispute on XX/XX/22, XXXX XXXX made several errors, and when I pointed them out to her she told me she was amending the report, and also initiating an Enterprise Fraud Case Report since my whole wallet was stolen. Now, I am seeing, it looks like she never amended the report that she made the errors on, and I feel this is why the investigation was not able to be completed accurately. 
XXXX also including the XXXX letters dated XX/XX/XXXX, and XX/XX/XXXX stating that the charges were thoroughly investigated. Reasons were that a pin number was used for said transactions and no failed attempts made on them. I, personally have contacted the fraudulent charge vendors asking about how debit card payments are taken, etc and I was able to find out that out of XXXX listed fraud charges, only XXXX of them were possibly to be used with a PIN number ( not surprising of no failed attempts, due to a brain injury and memory problems my pin is in small numbers on my card ) as XXXX of the charges are with companies that do not allow the customer the option to use a pin number it is always ran as credit purchase. 

All transactions are dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Closed on a refi with USAA on the XXXX. Was told the payoff and small cash out would be wired Monday the XXXX. That day comes and goes, same with the XXXX, and with the XXXX. Each time they tell me, " it will be there in the afternoon, '' each afternoon, nothing. I assume if I call them again today I will get the same answer and same result. 

I was dissatisfied with USAA from the beginning, the Loan Officer took my info and handed me off to processing and have not heard from him once since. About a week or so after talking to him I get an email saying USAA will stop the process if I do not submit documents right away, there apparently was a deadline I was unaware of and that deadline was a hard and fast XXXX. I should have just stopped then and there. 

Today Thursday XXXX they tell us the funds have been released. If it is going to take 10 days then tell me that, do n't tell me 3 business days and then drag it out. 
USAA is not the place to get a mortgage.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ANSWERING A FINAL JUDGMENT ON A MOTION FOR WAGE GARNISHMENT ON XX/XX/ I SENT THE CHEK # XXXX FROM XXXX ON THE AMOUNT OF XXXX. THIS CHECK WAS SENT BY CERTIFY MAIL TO PORTFOLIO RECOVERY ASSOCIATES AND RECEIVED BY THEM AS I CAN SHOW COPIES OF IT. 

UNDERSTANDING THE WAY THINGS WORK, THE GARNISHEE WITHDRAWN FROM MY PAYMENT IN TWO PAYCHEKS THE AMOUNT OF XXXX. UNTILL, WE ASKED TO STOP SINCE WE SATISFY THE PLAINTIFF IN THE TOTAL AMOUNT OWE. 

AFTER SEVERAL PHONE CALL WE WERE PROMISED THE RETURN OF THE AMOUNT PAID IS EXCESS. ON XX/XX/ WE SENT A CERTIFY LETTER ASKING FOR THE RETURN OF THE AMOUNT THAT NOW OWE US. SINCE THAT DATE NO COMUNICATION, INFORMATION OR ANYTHING HAVE BEEN RECEIVED. 

ON XXXX XXXX WE SENT A CERTIFY LETTER TO THE OFFICE OF THE ATTORNEY GENERAL OF THE STATE OF FLORIDA ASKING FOR HELP IN THIS MATTER. 

AN EMAIL FROM XXXX XXXX FROM THE XXXX XXXX XXXX XXXX FROM THE ATTORNET GENERAL OFFICE RECOMEND TO CONTACT THE VIRGINIA ATTORNEY GENERAL SINCE THE COMPANY IS LOCATE IN THIS STATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and XXXX Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.
Product: Debt collection

Diversified Consultant Account Settled For Less Than The Full Amount This Company Promised To Report And Remove It From All Credit Files But Its Still Showing Up On My XXXX Credit File
Product: Credit card

I called commerce bank back in XX/XX/year> to report charges on my card and that I didn't buy any games from XXXX they advised to close that card and and dispute I did and waited to be surprised the my account been charged again so I called them and spoke with XXXX of their Rep!! who didn't know what to do so he asked his boss to speak with me her name was XXXX, she asked me to contact XXXX to get my money back and I did called XXXX regarding that but after my call with her they sent me letter ( commence bank ) stating that I withdrawal my fraud claim which I didn't and they kept taking money from my new card after replacing it because of the fraud I called again requesting the recording and when did I withdrawal my fraud claim. beside that I called XXXX and they said that they refunded more that XXXX dollars still not able to see it in my account!!!!!
Product: Debt collection

I never received any communication that this was my verified debt, and I owed this debt to anyone. I have never done any business or received any services from the company, Central Portfolio Control, that is reporting this as a negative debt on my credit reports.
Product: Debt collection

On XX/XX/XXXX I received a call from a debt collector who was stating they were trying to collect a debt from an old banking account from when I was XXXX. I am now XXXX XXXX XXXX. They told me if I did not settle outside of court they would file against me and I would be charged with a felony. They refused to work with me and wanted me to pay XXXX a month for 6 months. Which would be impossible for me. I can not find this company online or with the better business bureau. I do not believe this is a real debt collector. I checked the local courts around me and confirmed nothing has ever been filed against me for this matter. I called Huntington bank, where the debt was originally from, and they advised that they also do not believe this is a real debt collector and also advised they dont even have a record of me in their systems anymore. The company that called me said they were called XXXX. And their address is a virtual address. Not an actual address. The name on the contract they sent me and want me to sign is XXXX XXXX. When I asked them why I could not locate them online they said it is because Huntington bank is their customer so only they can look them up. I had to cancel my bank card as they had that information. I called legal aid and they advised me not to sign anything and to report as they also believe this to be a scam. Since telling them I will not sign anything and I want all information of the debt mailed to my home they will no longer answer or return my calls. The phone number given to me to call is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations wrong addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX accounts : not mine XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX   Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment {$590.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2300.00} Term Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Creditor Name XXXX XXXX XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$700.00} Term -- XXXX XXXX XXXX  Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date -- Limit {$400.00} Term -- Monthly Payment -- XX/XX/XXXX Creditor Name XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Accoun XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX TX Status Open Opened Date XX/XX/XXXX Closed Date
Product: Debt collection

XX/XX/2020 @ XXXX XXXX I got a call from XXXX with Full Circle. The number for the company is XXXX ext XXXX. I advised XXXX that he was calling my employer and I was not able to take personal phones calls at this number. He then asked me for a different number which I told him I would not provide to him. He then says that he will keep calling my employer to contact me about a so called debt I owed. I have never taken a service with this company before. I went to XXXX and looked up Full Circle and I can't find a website or address for this company. I think its a scam and I want them to stop calling my employer 's number.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I authorized Enerbank to pull a copy of my credit report ( a " hard '' pull ). Due to incompetent staff, they had to re-create XXXX additional applications in their internal systems for my loan due to their own error on each application. Each time, I was assured on a recorded phone line that they would not do another " hard '' pull of my credit, but on XX/XX/2022, my credit was pulled again while they created yet another application. I now have XXXX inquiries for the same loan, which is hurting my credit score.
Product: Bank account or service

Scam Victim, I applied for loan threw XXXX XXXX XXXX. 
All they told me I had to was that XXXX XXXX would deposit money into my acct. to pay for my processing Fee .. So I was instructed to go to XXXX XXXX send to this person for my loan fees. 
So .. I did that. Next thing he tells me that I have n't paid my Taxes. 
He would cut me a deal. I owe XXXX I would only owe XXXXXXXXI knew right then this was a scam. I said no so XXXX the loan manager start to threaten me. 
Then I get all these XXXX from my bank Wells Fargo over XXXXXXXXHe made the claim. Stolen identity. And XXXX will not give me my money backThis is wrong .. Help. PLEASEXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act CB Indigo act # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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