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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX balance. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
XXXXXXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX  {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX {$430.00} In good standing XXXX XXXX Reported : XXXX XXXXXXXX XXXX XXXX {$2500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$1300.00} In good standing XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX {$470.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$230.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX {$5500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$3600.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$510.00} In good standing XXXX Reported : XXXX XXXX XXXX XXXX {$860.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$740.00} In good standing XXXX XXXX Reported : XXXX. XXXX XXXX XXXX  {$160.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$410.00} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX.XXXX XXXX XXXX
Product: Debt collection

IC Systems reported a {$390.00} collection on my report. I contacted IC Systems and informed them the name was a mismatch and I had never been to the dental office. They requested I contact the dental office. The billing department of XXXX XXXX XXXX confirmed the debt wasn't mine and called IC Systems to make the correction. IC Sytems informed their client that I would need to dispute the accounts with each credit company. I then called IC Systems in attempt to have this corrected and was told the same steps I would need to take to resolve this. IC Systems has ample information to prove they made a mistake. I should not have to spend time disputing accounts with each credit company because they made a mistake. They have the ability to correct this themselves but refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in XX/XX/XXXX to request removal of an account that should have been removed last year in XXXX. I submitted the letter from the creditor proving that this account should be removed from my credit report along with my request. 

It is now XXXX and its still reporting on my credit report This is a violation of my FCRA rights and it needs to be removed. 

Also Ive included a copy of my XXXX Credit Report and XXXX credit report - Equifax NOT ONLY changes information that is AGAIN incorrect but disregards the letter from the creditor and doesn't remove it. Also in another violation because you can not have a payment history on a charged off account. They are reporting this account completely inaccurate.
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 protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I am a victim of identity theft, and I have reported this matter to the authorities. It is perplexing that while other credit bureaus have promptly recognized and removed these fraudulent accounts, Equifax appears to be ignoring my legitimate requests. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX-FRAUD, PLEASE DELETE!!! 
The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair reporting of their credit history. I demand an immediate and thorough investigation into these matters, with the removal of the fraudulent accounts from my credit report.
Product: Debt collection

My credit report contains accounts that I believe were added without my authorization and are inaccurate. I ask that they be blocked and removed immediately.
Product: Checking or savings account

Since XXXX XXXX I have been unemployed. Due to issues with unemployment, i did not receive payments until end of XXXX. I back then informed citibank of my unemployment issues and they reversed 2 ACH fee charges. 
XX/XX/2021, my unemployment was completed, no extension available. Unfortunately, I was sick with XXXX for 4.5 WEEKS. During this time payments to my creditors were on Auto Payment. This created an exorbanant number of charges to my checking account. CItibank has been calling me 2-3 times daily. I have explained to them I have been sick and to ill to manage my account. I am unemployed and have filed for Welfare. I was informed by the banking representative, he apologies for my troubles but i need to pay them for the return payments. 

I have a mortgage of XXXX a month, an exceeding past due and large electric bill. I have zero medical coverage. I can not afford to pay citibank for insufficient fund charges. 
The reps at citibank said there is nothing they can do this is a system issue. there is no manager i can speak with and i will just have to pay. 

I owe citibank over {$600.00} in insufficent charges, they did not cover any of the payments, these are insufficent charges. 

I have not one dollar to my name. 

No one at citibank will help me. Welfare is on a 6 week back up. Also attached is my electric bill validating i can not pay my bills at this time. I am in dire straights. 

Please help me.
Product: Credit card or prepaid card

I booked a hotel stay in XXXX XXXX Nevada through a company called XXXX, ( confirmation # XXXX ). They had a promotion/offer indicating that I could use a XXXX  credit card by the loan company Affirm, which offers installment loans or book now and pay later financial services. Because I already had Affirm I decided to utilize this XXXX  credit card option to secure my Hotel reservation for my birthday weekend, at the XXXX XXXX XXXX. The stay was from Fri, XX/XX/XXXX - Sun, XX/XX/XXXX When I arrived at the property ready to check in, the front desk agent told me that this XXXX  credit card provided by XXXX and Affirm ( credit card ended in XXXX. Exp XX/XX/XXXX ) was not a valid form of payment, because it was a XXXX  card and the property only accepted physical cards. So right there and then the front desk agent cancelled the original booking with XXXX. She then immediately rebooked my stay using my own physical debit card ending in XXXX. Exp XX/XX/XXXX and it was on that card that all charges for my stay were processed. I went on with the weekend and that was that. The full amount loaned by Affirm on the XXXX credit card was {$600.00}, which the hotel property in XXXX XXXX refunded back to XXXX as it was not a usable or valid form of payment A few months went by and I saw a charge on my Affirm profile and it's from XXXX charging me {$110.00} for the hotel stay at the XXXX, which was a wrong charge. Now at this point The Affirm XXXX  Credit Card was charging me {$130.00} with fees and has sent me to collections! Even though according to the XXXX XXXX, they had refunded the full {$600.00} back to the Affirm Card. 

I went back and forth with both XXXX and Affirm. I have tried for months to resolve this with Affirm and XXXX I have submitted proof of all sorts, even the invoice from the XXXX XXXX indicating where only my personal card was charged and not the XXXX  Credit Card from Affirm, which was never an acceptable form of payment at the property. Yet, Affirm continued with their negligence and sent me to collections. This has negatively affected my credit score. The culprit here is Affirm and XXXX, none of these financial companies are taking the responsibility for this financial exploitation. 

I believe that Affirm needs to clear my credit and remove that charge from account because it is not valid. 

Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : 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: Credit card or prepaid card

My account had a credit balance of {$58000.00} that was to be refunded to me since mid-XX/XX/2018. The credit balance was on my account as a results of merchant credits that were owed to me for a group of transactions, and ultimately as of mid-XX/XX/2018 Capitol One collected these credit for me. My account accurately reflected the credit balance on my monthly statement. Initially after I requested my credit balance refund to be mailed to me, Capitol one told me they were going to mail me the credit balance refund within 7 days, later they told me they needed to wait until mid-XXXX due to the amount. In XXXX I was finally told the request was being submitted, but instead of mailing me the refund, they simply removed the credit balance from account to nowhere. See my XXXX statement attached herewith, you can see a purchase adjustment dated XX/XX/18 for {$58000.00}, and all they explaining me by phone is that it was moved to unclaimed holding account! I have been trying to call Capitol one repeatedly to get my money, but no one can give me a straight answer. All they are saying is that its going through verification and itll take 7-10 days to get an answer. I have been waiting this 7-10 days forever, finally I was assured on XX/XX/XXXX that it was being mailed out to me on XX/XX/XXXX. After waiting for 2 weeks now, 2 days ago I was told NO check has been mailed to me, and no one can tell me why or what can be done to get my money to me. I find this illegal as per the law capitol one is required to refund my credit balance within seven business days from receipt of request. Here its not been 7 days but almost 90 days! please get this resolved for me immediately as I should have to wait one day extra. They are not even paying me interest on this!
Product: Vehicle loan or lease

I received a letter from CFPB on  XXXX   XXXX ,    2015 because I may h ave been eligible to receive a payment of at least {$300.00} from a legal settlement with Ally Financial Inc .     On  XXXX   XXXX ,    2015  I submitted the required signed Ally customer participation form and emailed a copy to  XXXX  XXXX  XXXX  and mailed the original form to  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX .     However I never received any follow-up letter nor payment from Ally Financial Inc .
Product: Checking or savings account

Three transactions that were unauthorized, the bank has not put the money back into my account, taking longer than the amount of time allowed by law. The 3 claims are Claim Number : XXXX for {$30.00}, Claim Number : XXXX for {$21.00} and Claim Number : XXXX for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

XXXX Credit Card ( with Comenity Capital Bank as actual provider ) advertises zero interest for purchases of {$190.00} or more if paid in full within six months. On XX/XX/XXXX, I applied for the credit card after being advised by XXXX of the promotional rate ( specifically because of the promotional rate ) and made a brakes purchase of {$810.00}. Instead of receiving the zero interest promotional rate, Comenity Capital Bank immediately began charging me 25.99 % interest. When I noticed these interest charges some weeks later, I immediately contacted Comenity customer care both by phone and email. The bank admits that a promotional purchase should have been available- in fact, they state that I was eligible for 12 months at zero interest. Yet they maintain these fraudulent interest charges can not be removed because the order was " processed '' wrongly at the store level. The website to apply for the card XXXX XXXX XXXX XXXX ) very clear states an unequivocal policy. In fact, they use that policy as the primary promotion for the card and it is listed in bold at the top : " ZERO INTEREST IF PAID IN FULL WITHIN 6 MONTHS '' " On purchases of {$190.00} or more made with your XXXX Credit Card. '' I have given the company numerous opportunities to resolve this matter directly and they have indicated it is not their policy to do so, even though I have advised them of the false advertising.
Product: Debt collection

I have sent Portfolio Recovery 11 validation of debt letters, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  Portfolio Recovery refuses to comply with my validation of debt requests. Instead of complying with my validation of debt requests and sending the documents that I have requested in my validation of debt letters, Portfolio Recovery sends the same computerized letters to me in the mail. Portfolio Recovery is reporting false information to the credit reporting agencies, since they refuse to send the documents that I have requested in my validation of debt letters to validate the debt claimed owed. I sent a cease of communication letter to Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery continues to send letters to me everyday, after I have asked 11 times for them to stop contacting me by mail. I have received 4-5 letters from Portfolio Recovery every day, since I sent my first cease of communication letter to Portfolio Recovery on XX/XX/XXXX. I have copies of all validation of debt letters, email and written correspondences and cease of correspondence letters sent to Portfolio Recovery, as evidence. All evidence will be sent in the mail to the Consumer Financial Protection Bureau. The continuous harassment by Portfolio Recovery has caused me emotional distress.
Product: Debt collection

I just checked my account at Fidelity Visa last 4 numbers XXXX It said that my account had been referred to collections. 
Been a customer for a few years and now with this COVID-19 virus causing so many problems I can't keep up. 
I contacted them several time asking that they help me in some way but being Elan of course they don't do anything to help a customer. The customer is scum at this company and gets no breaks even after paying them for years. 

I was trying to inform them that my social security did not come this month due to a change in bank accounts and of course they don't care anyway. 
Social Security apparently take at least 3 months to do anything. 
Additionally their payment requested was close to {$1000.00} which i couldn't possibly pay anyway. 

The vultures are going to force me into a situation that I can do nothing about. 

Things are starting to recover a bit but they don't care and i can't do anything but wait. I'm not going to go without food to pay thesse leaches that I have tried to work with over and over. 

Its funny how other financial institutions tey to help but these " people '' do not. 
They don't care. They are going to try and ruin me. 
I have tried to be reasonable but they are not listening. I guess they are too far above me. 
Being the XXXX that I am I will just have to battle with the uncaring vicious XXXX  XXXX XXXX controlled XXXX. 

I WANT TO CLOSE THE ACCOUNT AND PAY AS FAST ASS I CAN. 

THAT APPARENTLY IS NOT GOOD ENOUGH Doing all I know to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This account of XXXX XXXXXXXX was charged off on the following date : XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX  XXXX Account Number : ending on XXXX Also this account was deleted from XXXX on XXXX i have letter proof open attach.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Consumer Loan

When I negotiated terms of the loan repayment after I separated from my spouse, the creditor began calling my spouse, which is normal. My estranged spouse gave them another contact number for a friend ; at that point, the creditor began to call them repeatedly, asking for me. 

I spoke to the creditor, and asked them thrice not to contact anyone but me when dealing with this issue ; I have since made arrangements to pay the balance in full to avoid any further contact, but the creditor still called my friend twice within twenty minutes to attempt to get them to contact me. Since I had made arrangements to pay the balance in installments, I have never missed a payment ... ever.