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

formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX Specifically , I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no national bank shall make a loan or discount on the security of the shares of its own capital stock. 

Under 12 U.S.C. 83, financial institutions are prohibited from securing loans or discounts using their own capital stock as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported. 

I request that the Consumer Reporting Agency take the following steps to resolve this dispute : 1.Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83.

2. Removal of Inaccurate Information : If the financial institution is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported.

3. Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83. 

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements. 

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal law.
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 specific 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, credit repair services, or other personal consumer reports

Equifax my account - subscription monthly Navigating to cancel shows an error, on website. not links or cancelation navigation options, no phone number or contact page. in the account page. 
even the error message does not have a number to call. have tried multiple devices, and browsers, and networks, and still have this issue I am sure I am not the only one and this is unacceptable for a credit reporting agency to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSTANT COMMUNICATION WITH XXXX XXXX XXXX XXXX HAS AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, EXPERIAN HAS YET TO REMOVE THIS ACCOUNT. XXXX XXXX AND XXXX HAVE BOTH REMOVED THIS ACCOUNT BUT EXPERIAN HAS NOT. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous Navient Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through SALLIE MAE which switched to Navient. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board.

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while XXXX  & XXXX  has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that XXXX  AND XXXX  FOLLOW SUIT AND DELETE ANY CLOSED NAVIENT ACCOUNT FROM MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX XXXX Balance of {$8000.00}.
Product: Mortgage

XX/XX/XXXX Mortgage Regular Monthly Payment misapplied to late fees ( from 10yrs ago ) ... but payment was exactly recognizable as the mortgage term Regular Monthly Payment. 
XX/XX/XXXX upon recognizing Flagstar Bank 's error, I contacted them by phone and requested rep escalate to Management Leadership Team to submit for a refund, or reapply as next due mortgage payment. Case submitted. 
XX/XX/XXXX called Flagstar bank for status of case number, status shows " closed '', reason is per over 90-days since payment, as reviewed by " Cash Operations Dept '' ... my response, Regardless of time that has passed, the payment was misapplied to other category, though exactly submitted as matching " Regular Monthly Payment ''. 
Flagstar representative quoted CFPB Part 6500 Section 1005.33 which states " incorrect '' amounts of currency received can be applied to category of their choice, However this was NOT an 'Incorrect '' amount, and was exactly " regular monthly payment '' of principal and interest and escrow total. 
XX/XX/XXXX spoke with management team 2nd request again to reapply correctly as identifiable regular payment, but request was denied as previously stated over 90-days. Perhaps the issue lies in that the Cash Processing system may not electronically be able to reverse the payment or reapply to other category per over 90-days, but rather than needs to escalate the error correction as a manual refund to sender instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX  credit report and is hurting my credit score and  report. I have not spoken with this collection company nor have they attempted to contact me in any way.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I tried to pre-order the XXXX XXXX XXXX XXXX from XXXX. This was advertised as part of a monthly installment payment plan of {$34.00}. The credit was offered through Citizen 's One. However, when I went to submit my order the request timed out and I was then told the product was OUT OF STOCK. 

I contacted XXXX to see if they could resolve the problem and was given a condescending reply from their customer service rep who offered no assistance and told me it wasn't his problem to fix. 

I then contacted Citizen 's Bank automated line. They told me I had a line of credit of {$2500.00} available to me for a purchase that never completed successfully. I waited on hold for 45 minutes before giving up - I have a job I need to tend to and don't have time for this. 

So my credit was pulled for a product/service that I never received and now I have an erroneous line of credit of {$2500.00} in my name.
Product: Vehicle loan or lease

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Product: Checking or savings account

Compass Bank offers 2nd chance checking everywhere!!! When I tried to open an account. I deposited {$500.00} in a checking & {$500.00} in a savings. They approved me, then turned around and denied me!!! They reimbursed my {$1000.00}. But it took them some time. I cant open a checking account!! I am working with XXXX firm to straighten out my credit. I have 2 credit cards, and cant open a checking acct. to set up bank pay with my cc companies!
Product: Mortgage

I already filed complaint XXXX. While the company responded, it did not resolve the problem at hand. Please review below and/or the feedback I provided on the original complaint. 


We received a letter in the mail shortly after this response. However, when we took out the original loan the agreed upon LTV in our contract with XXXX was 80 %. I can provide this original contract with XXXX if you need it ( please see attached ). Please advise where to send a copy of this original contract agreement. Additionally, per our original contract, we can request to have PMI removed if the value of the home increases and the LTV is 80 % based on a new appraisal. This will be the case in our situation, as our home value has increased significantly. Based on this, I expect the contract to be upheld and the required LTV to be 80 %, not 65 % as explained in this response and the letter. Once I receive confirmation that our original home loan contract is being upheld, I would be happy to send the BPO fee and necessary paperwork in response to proceed with the process. Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my bank sent an official check to payoff my entire credit card balance. The check was mailed attached to my credit card statement. On XX/XX/XXXX, I noticed the payment still had not posted. I discovered from my bank that Citi Cards had received the check and credit card statement as the official check was negotiated by Citi Cards on XX/XX/XXXX. I  called Citi Cards and filed an investigation for the missing payment on XX/XX/XXXX. They communicated to me that a conditional credit would be applied within 2-3 business days while its being investigated. On XX/XX/XXXX, I contacted Citi again as my payment nor the conditional credit had been applied to my account. After 30 minutes was finally connected with a supervisor named XXXX XXXX. He told me that even though my credit card statement was with the check, if the check didn't have the account number on it, they wouldn't know where to place the payment. Further, I would have the conditional credit the next day as it takes 2-3 business days, that he located the lost check/payment and that it had been deposited into Citi Cards general account, and he would call me the next day to update me if the payment had been posted. XXXX called me on XX/XX/XXXX, and informed me that the payment still had not been posted, that the conditional credit had also not been posted as they're delayed. Further that I needed to make the minimum payment due to avoid late charge. I refused to make the minimum payment, because I provided them an entire payoff that they're refusing to process, nor were they able to process the conditional credit as promised while its being reviewed. I asked if I could speak with someone on the payment processing team, or if he could reach out to someone to get the payment processed and he said no, they have no way to contact them, and that my payment may not post until Tuesday, XX/XX/XXXX and reluctantly agreed to call me back on that date to confirm. As of XX/XX/XXXX Citi Cards still have not processed my credit card payoff and they have had the funds deposited into their internal fund management account since XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I received a pre-approved letter from Best_Egg with an offer code. The letter has not date but has a  Respond  by  XXXX   XXXX ,  2017  date.. The letter reads You 're pre-approved for up to {$50000.00}. I applied online for {$40000.00} with the offer code and was denied based on various factors.     How can companies such as Best Egg be allowed to mail pre-approved letters, accumulate consumer information through the application process, and then deny them? It would seem to me that they are building an information database.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts, be verified or removed immediately : Please investigate and remove completely from my credit report, Please investigate and delete from my credit report. 

XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX & XXXX : ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX ( ACCOUNT NUMBER XXXX ) In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX SS # : XXXX
Product: Credit card

I have Synchrony Bank PayPal Credit card. The card does not show in my Paypal wallet when I attempt to buy something online using " pay with paypal ''.

I have spent close to 20 hours on the phone with Synchrony ( and another 20 with Paypal ) and an extensive history of making cases on the phone trying to get this problem resolved. All cases I make with you are silently closed as resolved with no response from you. You continue to say its not your problem and say contact Paypal. Paypal has been saying the same thing about you.

Paypal has been repeatedly saying Synchrony Bank has failed to correctly communicate and link the card information to Paypal as Synchrony Bank is the card issuer, and that this is why its not showing in my Paypal wallet.

Your customer service agents have become hostile to me, particularly : " XXXX '' who refuses to even pretend to try and help me. 

I once again am requesting you have someone at Synchrony who has the authority to investigate this problem to find a solution. In my previous case with CFPB sent to you ( XXXX ) you tried to shift blame to Paypal, but then responded with a lengthy boilerplate response which can be basically summarized to : " Maybe theres a security issue, idk '' ) without any attempt to provide me with a solution.

The most Synchrony has done was attempt to " disable and reenable '' my card, repeatedly tell me to clear cookies/ change browser, suggest I am using the wrong account ( im not, XXXX is the correct email ) and the most common : saying its Paypals fault call them. I had to think outside the box and even ordered a replacement card in attempt to see if this would solve the problem ( it didnt ).

Due to my inability to use this card properly I have done lengthy research and have found many other card users who have the same problem, and the absolute XXXX they are going through to and get Synchrony bank to acknowledge or resolve the problem. 

I will continue to contact Synchrony bank until someone with authority will be able to acknowledge this problem exists and respond to me in a human fashion to help me resolve. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX Comenity Bank. I have been illegally Discriminated against with these ruthless tactics by XXXXComenity Bank who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX Comenity and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX Comenity Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by Comenity and Bank and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.
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 in 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, credit repair services, or other personal consumer reports

I have noticed there are some late payments on my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from Flagship credit acceptance. This is a violation of my right per 15 U.S. Code 1666b which states in section A -Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any letter by mail before my due date and by law my payments cant be reported as late. With this information I have provided you, I ask that you delete all late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - This is a heads up of XXXX selling an account that has been proven NOT mine and removed from my credit report a year ago. 
Today XXXX advised me in the attached screen shot that they have sold an account that is NOT mine to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Take notice it is a Fraudulent account and ALREADY proven. I am attaching the screen shot of email sent by XXXX that they sold it proving I owe NOTHING to XXXX I am also attaching the Fraudulent XXXX  account that was on my credit report last year XXXX and again was ALREADY removed for being Fraudulent. 
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B REMOVE THIS FRAUDULENT ACCOUNT XXXX ENDING IN XXXX was sold to XXXX XXXX, XXXX on or about XX/XX/2023 with a balance of {$2100.00} IF AND WHEN IT COMES IN TO MY PROFILE .... PLEASE REMOVE!
Product: Debt collection

XXXX reported a balance owed to Diversified Adjustment, and they reported it to the credit bureaus without even notifying me of the alleged debt first. When I noticed the collection on my credit report, I called and told Diversified Adjustment that I disputed the balance, but they would not open an investigation. In the meantime, the presence of this collection account was/is affecting my credit score. I called Diversified Adjustment back and agreed to pay them without proceeding with the dispute ( since they weren't complying with my request, anyway ) so long as they removed the account from my credit report. They agreed to this, and I paid the bill, but the account has not been removed. I then filed a dispute with the 3 credit bureaus, but they affirmed the debt, and it remains on my credit report. THIS ACCOUNT IS PAID IN FULL AND I DISPUTE THAT I EVER OWED A BALANCE TO BEGIN WITH.
Product: Credit reporting or other personal consumer reports

Dispute XXXX, XXXX, and XXXX  on XXXXXXXX XXXX XXXX XXXX  Per FCRA 15 U.s.c & 1681