23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Cash app kept taking different amounts of money from me without my permission and money has goes missing off my account Cashapp account
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, Experian, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, Experian, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )
Product: Mortgage

Shellpont sent agents to my home. The disclosed to my neighbor that i had not paid the mortgage in over a month. Continue to visit in person a few times a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Equifax via Affidavit dated XXXX XXXX 2021 in regards to a credit report from Equifax that revealed There is an item listed as pertaining to me, in the amount of XXXX that I do not recognize, which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the alleged debt is XXXX XXXX I advised Equifax that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I was never given notification by XXXX XXXX  of the alleged debt prior to it showing up on my credit report I was never given the opportunity by XXXX XXXX to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by XXXX XXXX before it could be assumed as pertaining to me. 

I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 

XXXX XXXX has engaged in clear violation of the Fair Debt Collection Practices Act : Section 809. Equifax at the point of this complaint still has not responded, I gave them a follow up phone call on XXXX XXXX to check the status and they stated that they could not locate the Affidavit. Unfortunately for me the damage and stress continues with each passing day. I have reached out to XXXX XXXX  and advised them of their violations and requested that they stop the erroneous reporting but they will not. I am now hoping to resolve this issue through Equifax if they are not immune to the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union refuses to accept the fact that my wife closed her account with them 40 years ago. This is despite the fact that there is no account balance either debit or credit, and there has been NO ACTIVITY on the account for +/- 40  years. When my wife recently responded to one their advertisements and tried to create an account, they insisted on using the 40 year old account, and would not use her current legal name. It seems that NFCU refuses to understand that a woman may get married and change her last name. Because of this refusal to use current information that my wife cancelled the account creation process, and has tried several times to get them to quit reporting that She/We have non-existent accounts with them. I never opened any account with them, and they keep reporting that I do have a a credit card account with them. They refuse to talk to me and keep insisting that they can only speak to my wife because the 40 year old totally inactive closed account was in her name, despite being told by her that they can talk to me and THEY ARE REPORTING THAT I HAVE A CREDIT CARD ACCOUNT. If I " have an account with them, I should be able to talk to them about their reporting to the credit bureaus in a manner that affects my credit reports.
Product: Debt collection

I moved out from thats place XX/XX/year>, received the letter owed {$4300.00}. XX/XX/year>.
Product: Mortgage

I was offered a mortgage reinstatement opportunity with J.P. Morgan Chase. I fulfilled the reinstatement requirements within their required time frame. I faxed copies of the wire transfer confirmation to 2 different Chase numbers per there direction, for normal business practices and escalation purposes. My bank has recorded the wire transaction as complete on XX/XX/XXXX. I have emailed the wire transfer confirmation on XX/XX/XXXX to the attorneys representing J.P. Morgan Chase XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Michigan XXXX, obtaining a confirmation of receipt, and a corresponding followup from the attorneys stating they are waiting on their clients response to hold off the court sale.Chase says they need 5 to 7 days to process the reinstatement. The sale date is tomorrow, XX/XX/XXXX. The reinstatement execution is good through close of business XX/XX/XXXX. Why would they schedule a sale date less than 7 days out from the agreement date if they need processing time. I have met their offer of reinstatement within the time frame, they seem to be badging me and threatening a sale beyond what the reinstatement offer. I find their practices immoral and very unhealthy, and am looking into the legality of them.
Product: Debt collection

On XX/XX/19 I received a letter identified as from XXXX XXXX  c/o XXXX, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a XXXX account, so this seemed odd. I have since contacted XXXX XXXX  and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for XXXX in my name at my address or any application associated with my social security number and no XXXX account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from MRS BPO , LLC dated XX/XX/19 stating the current creditor was XXXX, XXXX with a MRS BPO , LLC account number, last four digets of a XXXX account number, that I have now confirmed with XXXX is invalid, and MRS BPO LLC claims I owe a balance of {$800.00} for XXXX chargebacks. 
I sent MRS BPO , LLC collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX  and the fraud department at this bank, as well, and there are no XXXX accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet MRS BPO , LLC somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX  XXXX or that I have any kind of existing XXXX XXXX account. I have explained to MRS BPO , LLC in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and MRS BBO, LLC is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for MRS BPO , LLC, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from MRS BPO , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX XXXX card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax file by XXXX XXXX XXXX XXXX  on XX/XX/2019. Please remove immediately. XXXX  - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear Discover Bank, I am writing to formally request validation of the debt referenced in your recent communication, as provided under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following information regarding the alleged debt : The amount of the debt. 
The name of the original creditor. 
Evidence that you are authorized to collect this debt on behalf of the original creditor. 
Detailed statements or documents showing the nature of the debt. 
Any judgments or court orders related to this debt. 
Until I receive this information, please cease all collection efforts and do not report this debt to any credit reporting agency. I am entitled to receive this validation under the law. 

Please respond to this request within 30 days from the date you receive this letter. Failure to provide the requested information will result in my consideration of this matter closed, and I may seek legal recourse if necessary. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX Account Designator Code XXXX  Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

The charge off account from XXXXXXXX XXXX  opened XX/XX/XXXX with a reported balance of {$1600.00} is reporting inaccurate information to my credit report. This is causing significant damage to my credit score and ability to obtain new credit. The account payment status reports the account as a charge off but doesnt have a date when the charge off occurred. The account has been repeatedly reporting missed payments since XX/XX/XXXX. A charged off account shouldnt show active payment history. This inaccurate information falsely manipulates the statue of limitations to investigate this account properly. 
According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX  XXXX {$100.00} XXXX  XXXX {$310.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card

I am filing a complaint regarding misleading and deceptive financing terms for a furniture purchase I made. Note that I have requested the original purchase agreement, but I can't even see my old statements to know the total amount I paid, so I will have some generalizations on prices in this complaint. The company will have the exact details on record. 

In 2021, I purchased furniture from Ashley Furniture under what I was told was a 60-month 0 % interest financing plan, which is common for Ashley. Both my wife and I were clearly informed by the salesperson that the entire purchase would be interest-free for 60 months. Based on this representation, we proceeded with the purchase, setting up the autopay for the minimum payments we were told were needed to complete the purchase with zero interest. I have been paying via autopay ever since. 

Only recently, I reviewed my financing statement more closely and discovered that the financing was split into two parts : one portion of the balance was subject to the 60-month 0 % interest plan as stated, but another portion of approximately {$4000.00} was only interest-free for 12 months. After those 12 months expired, I began incurring interest at an exorbitant rate of 30 %, resulting in thousands of dollars of additional interest charges, which I was unaware of at the time of purchase. 

The contract does mention the 12-month interest-free portion, but this critical detail was never explained to me by the salesperson. Both my wife and I relied on the salespersons clear verbal assurances that the financing would be 0 % interest for 60 months on the entire purchase. At no point were we told that a portion of the sale would only be interest-free for 12 months, nor were we provided with specific information about how much needed to be paid during those 12 months to avoid high interest charges. Had we been told this, we would have made adjustments to how much we paid to ensure we didn't pay interest, or walked away from the purchase altogether. 

As mentioned, based on the salespersons representations, I made minimum payments, believing that doing so would cover the balance and complete the purchase within the 60-month 0 % interest period. I was never informed that the 12-month portion would need to be paid off in full within that period to avoid high interest charges. This lack of disclosure significantly misled me, as I had no reason to believe there was any urgency in paying off a portion of the balance sooner. 

The salesperson who assisted us is no longer employed by the company, but this misrepresentation has caused significant financial harm. I believe this constitutes misleading and deceptive business practices. The purposeful failure to disclose the full terms of the financing arrangement is unfair and has resulted in substantial, unexpected costs for my family. 

I request that this issue be investigated and that the excessive interest charges be refunded or credited to my balance, and that the remaining balance be set to zero interest on the initial promise of 60 month payoff.
Product: Credit reporting or other personal consumer reports

I a

m listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff- XXXX 694061***Date Opened : XX/XX/XXXX Balance : {$610000.00} Late/Open- XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff-
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed discrepancies in the reporting of several accounts, particularly with balances exceeding original credit limits, and I request a reinvestigation. Below are the details : Accounts in Dispute 1. XXXX XXXX ( XXXX XXXX XXXX ) Date Opened : XXXX Balance : {$5900.00} Original Credit Limit : {$5000.00} Status : Account charged off. {$5900.00} past due as of XXXX XXXX 
Reason for Dispute : The reported balance exceeds the original credit limit by {$920.00}. This discrepancy raises concerns about the accuracy of the charges. I request verification and a detailed breakdown of how the balance was calculated, including any fees, penalties, or interest applied after the account defaulted. 

2. XXXX XXXX ( XXXX XXXX XXXX ) Date Opened : XXXX Balance : {$1300.00} Original Credit Limit : {$1000.00} Status : Account charged off. {$1300.00} past due as of XX/XX/XXXX. 
Reason for Dispute : This account shows a balance exceeding the original credit limit by {$330.00}. I request verification and clarification of how these charges were incurred and calculated. 

3. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Date Opened : XXXXXX/XX/XXXX Balance : {$21000.00} Original Credit Limit : {$20000.00} Status : Account charged off. {$21000.00} written off. {$21000.00} past due as of XXXX XXXX 
Reason for Dispute : The balance exceeds the original credit limit by {$1900.00}. I request a detailed explanation of how this amount was calculated, including a breakdown of all fees, penalties, and interest applied.

4. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Date Opened : XXXX Balance : {$16000.00} Original Credit Limit : {$16000.00} Status : Account charged off. {$16000.00} written off. {$16000.00} past due as of XXXX XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$360.00}. I request documentation supporting this amount, including any fees or charges applied. 

Summary of Dispute The balances and statuses reported for these accounts do not align with the original credit limits, creating potential inaccuracies. If the discrepancies are due to added fees, penalties, or interest, I request validation and documentation of these charges. 

Under the FCRA, credit reporting agencies and creditors are required to report accurate and verifiable information. If the balances or account statuses can not be verified, I request their immediate correction or removal. 

Requested Actions 1. Conduct a full reinvestigation of the accounts listed above. 
2. Provide written validation and documentation supporting the reported balances and statuses. 
3. Correct or remove any unverifiable or inaccurate information from my credit report.