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

I am a former resident of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL. I am disputing a collection account created on XX/XX/2020, for {$2900.00} on my credit report. At the time of eviction, I had XXXX, and Floridas executive order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus, XXXX, Equifax and XXXX to dispute this debt. Additionally, the collection agency for the XXXX debt XXXX XXXX XXXX multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting Equifax, XXXX and XXXX for XXXX years straight now by phone and mailing in all of my supporting documents to help them resolve this issue and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX Veteran who experienced XXXX in XXXX and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my trauma from the XXXX behind. I never deserved what the XXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from the XXXX removed from my record. Thank you. Words cant describe how much my well being means to me.
Product: Checking or savings account

I am a business owner and have been banking with Chase financial Institution for many years, all of my business and personal banking needs as well as credit cards. During the pandemic In XXXX I and my partner were in the process of selling our business to potential buyers. Before the sale was closed and escrow requirements were met, we noticed significant amount of Business Credit inquiries on our business, which were not being inquired by us. When we found out about it, we warned them that law enforcement will be involved if they do not stop and the sale never went through. After that they disappeared. In mid XXXX I found out that I became a victim of identity theft and multiple fraudulent transactions appeared on some of my accounts. Both of my personal and business accounts were compromised. I found out about the fraudulent activities when a lot of my business and personal payments started returning. My accounts started hitting negative balances which further resulted in return payments and closure of my accounts. Up until today I am still receiving emails that unknown parties are attempting to login into some of my various accounts. 
So once I found out, I called Chase and opened several claims from XXXX XXXX XXXX merchant. It went on for several months and chase had been continuously telling me that the claims were denied. At first the reasoning was completely different than later in the process. At first the claims were denied because of the 60 day rule, which is not what my phone records indicate. After explaining and persisting they reopened the claims and denied it for completely different reason. 
Throughout this time I received and opened an email from the merchant XXXX XXXX XXXX that was being disputed, which stated that {$17000.00} was charged back by my financial institution. But Chase never disclosed this to me. They kept denying the claims. Furthermore, after researching I found out that Chase collected the money and closed some negative balances that had occurred and every Claims supervisor kept telling me that the claims are being denied. Chase collected the money and did not disclose the fact to me and neglected me. So, for more than 3 months I have been ridiculed, neglected, manipulated by the very financial institution I banked with and was told that claims are denied. If the claims were denied as I was being told on multiple phone calls all this time for months, how can Chase secretly collect money from the merchant for certain transactions and deny the others in the same claim and misinform me. How can it take the executive team weeks to find out why was this fact hidden from me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 2 disputes with Equifax regarding an account with XXXX XXXX XXXX. My credit report indicates it's a " charged off '' account with a balance. This is incorrect since it was paid in full & the account was closed. I have contacted the bank repeatedly regarding the issue & was advised they notified Equifax accordingly. The account has since been re-added to my credit report with the balance. The bank also advised this account shouldn't be reflecting on my credit report since its an old account. The contacts through XXXX XXXX XXXX are XXXX XXXX & XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent letters to the CRAs about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal information.
Product: Debt collection

I wrote a validation letter to midland credit management. To provide me with the money they mention I owe, copies an proof of all paper that I had agree to pay a verification or copy of any judgement, the identity name and address of original creditors. I haven't recieve a letter or notice back from this company which is a violation of the fair credit reporting act, defamation of character and violation of the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, GA XXXX Mail Current Status - Processed For Delivery ( XX/XX/2022 XXXX PM ) Letter Mailed Date and Time - XX/XX/2022 XXXX PM Pass through - Standard Recipient Address - XXXX XXXX XXXX XXXX, GA XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was involved in a motor vehicle accident while in performance of my job and operating a city vehicle. This accident resulted in my injury and transportation to hospital. This accident was to be paid through XXXX XXXX XXXX and all information was provided to the original creditor, XXXX XXXX XXXX   XXXX XXXX. At some point this debt was transferred to its current creditor XXXX XXXX XXXX, and the debt was reported to Experian on XX/XX/XXXX. This medical debt now negatively reflects on my credit report dropping my score from XXXX to XXXX. As of XX/XX/XXXX the CFPB enacted the " Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ''. This was reported and disputed to Experian on XX/XX/XXXX. On the same day the dispute was closed and no change was made to the issue on my credit report.
Product: Student loan

I was making payments through XXXX, until suddenly, my account said it had moved to another servicer named Mohela. I tried to pay them at the beginning of the month, and they returned the payment without saying why. So I messaged them asking why my payment wasn't taken, and they haven't responded. I tried to make payments online XXXX more times, receiving confirmation emails, yet the payments never go through, and I receive no information about why or what is happening with my payments. I've asked in message and I've also talked to representatives on the phone that told me they couldn't help me and needed to send me to advanced service representatives, which led to hours of waiting on hold and my call never being answered. On top of all this, I was on an IDR payment before with XXXX and that was removed when transferred.
Product: Credit reporting or other personal consumer reports

I Recently disputed an account on my credit report, because it was reporting inaccurate information. The information was updated on the account and verified by the credit bureaus. I still believe that this account is reporting inaccurate information, and this is actively affecting my life and creditworthiness. The account listed below is reporting late payments on this account and I never been late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting of this account. Also, I was granted forgiveness of this student loans and all of the payments thru the XXXX XXXX administration program which the disbursement of the payments shows I was never late. 
Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX decided to close the 2. account listed which originality contained this late payment information which is incorrect and then place it on the first account and change the status to closed. I don't believe that I received an actual investigation rather than just take whatever information the data furnisher provided, which is a violation against my civil rights. I will provide proof of my claims in the documentation 's sections
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a consumer support notice that I had not paid a bill. In researching my credit report on XXXX XXXX I found a closed account through SYNCB/PPC under the name of XXXX XXXX for approx {$810.00}, in contacting this creditor I was told that this account was associated with my social and my address but this is not my name. They stated that the account had been opened with Paypal and that they would send me a statement that I have recently received. the statement clearly shows the account was opened under XXXXXXXX XXXX  and I have never used this name, my only names ever used are XXXX XXXX ( Maiden Name ) and XXXX XXXX ( Married name ) which can easily be seen on my credit history. 

This account was open for only 3 months and then closed in XXXX and has never had a payment made on it. I let this credit company know that this was not my account and they stated that everything but the name matched so they would not assist me. 

I have since opened several disputes with XXXX and XXXX in which they updated incorrect information such as an address associated with me in XXXX Arizona that is not an address or a state I have ever lived. They refuse to remove this account from my credit history and claim that it is mine but it is not my account. I have had a strong credit history for years now and this is damaging it and I do not want to pay money for an account that is fraudulent and was never applied by me. The fact that the last name is a name I have never used should be a telling sign that this is not my account along with the fact that I have not been late on any payments with any CC companies for years now even through the COVID shut down. 

I have since put a year-long credit fraud alert on my account but I am not sure how to remove this fraudulent charge but I do not feel that it is right that I should be hit with the damage from someone committing fraud against PayPal when they approved a card that does not match both my first and last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that XXXX XXXX was reporting to XXXX incorrect information regarding a loan for a car I do not have ( nor never had in my possession ) I called and tried speaking with XXXX I asked why were they reporting this info to XXXX   and to please provide me with proof tis belongs on my account and that I would be sending a certified letter and want a response that this is my account or remove it from my credit report asap I gave them 30 day this was sent out in XX/XX/2018 on XX/XX/XXXX XXXX XXXX signed for it and as of now I have not received anything however this is causing me to have negative remarks on my credit and it not good please help me resolve this very important issue
Product: Checking or savings account

On XX/XX/XXXX I received an email that my bank account balance fell below {$25.00}. Upon checking my account balance I saw there were unauthorized transactions. There were 4 cash withdrawals for {$100.00} and one for {$42.00}. I immediately called Bank of America and reported the fraud. The associate at Bank of America was able to spot everything without me having to explain it and put in the claim. He told me there'd be a temporary credit issued and when everything was done the temporary credit would become permanent. 

Approximately 2 months later having not received any correspondence from Bank of America they reverse the temporary credit and denied my claim. When I called to question why they did this they said they couldn't find a single transaction for the total dollar amount. Despite it being several transactions and their employee is the one who found them and put them in the system they were unable to identify the transaction. 

At that time they opened another claim and the Bank of America associate put in each individual transaction and gave me the same speech that this would be a temporary credit that wants to process with simply did it would be a permanent credit. 

On XX/XX/XXXX I was notified that they denied my second claim. When I called in to find out why they claimed the transactions were authorized by me and that my account balance never fell below {$2500.00}. I never had anywhere near {$2500.00} in that account. When I pointed that out to the associate on the phone they said they were not able to find when my account fell below {$400.00} despite me having received an email that says the balance fell below {$25.00}. 

When I explain to him that I was at work all day over an hour and a half away from where I work. So he asked me to fax in my timecard showing I was at work. I did this. I called 3 days later and there is no notes that he opened my claim for reconsideration. 

Everyone I talk to someone at the bank they say their investigators review all the information and make the determination. They say they can't pull the cameras on the ATM to prove that it wasn't me. So there's nothing I can do but have my money stolen because Bank of America denies my claim despite the fact I did not authorize these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report and are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

account : XXXX account number : XXXX Amount : {$600.00} account : XXXX account number : XXXX Amount : {$570.00} account : XXXX XXXX account number : XXXX Amount : {$600.00} account : XXXX XXXX account number : XXXX Amount : {$570.00} In addition, Delete all non-account holding inquiries 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.
Product: Mortgage

I have submitted a loss mitigation application. I have not heard back from my lender well over the 30 days allowed by Regulation X. I had to reach out and was told on several occasions that it was in progress. I still have not heard from my lender.
Product: Vehicle loan or lease

On my contact it states that I paid credit for my down payment and thats not true, its was a cash transaction of {$1500.00} made to the dealer. This happened on XX/XX/2021. When I signed I was aware that it said credit because the dealership stated to me that it was a put down a cash transaction. After looking over my whole contract everything is fraudulent. I would like the lender to be contact to resolve this issue. I still have the receipt of the transaction made for that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX not only falsely reported a chargeback to the credit bureau but as well as violated my consumer laws right chapter 15 U.S. Code 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION TO OPT OUT ( b ) of said reporting of Personel information to non affiliated third parties. 
They did not exercise part ( b ) and part ( c ) neither the option of letting the consumer make the decision of third party reporting as well as letting consumer know the options to not disclose personal information. and I XXXX XXXX opt out of said non affiliated third party reports. Never authorized to it in beginning
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I opted out of any and ALL authorization, I, the consumer, may have given, written, unwritten, verbal and non-verbal, per 15 USC 6802.

Navy Federal Credit Union has violated by non-compliance.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Please see related CFPB complaints Case number : XXXX & Case number : XXXXXXXXI got a voicemail from USAA today and I 'm extremely disturbed by their handling of this matter after I contacted them back. Please refer to the attached sound bites.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 applied for XXXX XXXX  credit was denied with a XXXX credit score and immaculate credit they sent me a letter they could not identify me XXXX XXXX XXXX tried again talked to a rep from company denied again XX/XX/2020 signed up for home depot credit card denied I call XXXX my credit union that cant help I don't know who to call for help hoping u can point me in right direction or fix my problem thank you
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 Customer 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 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: Debt collection

Several times I contacted Experian, XXXX and Equifax formally disputing a debt listed on my credit report from Convergent Outsourcing Inc. Each XXXX listed above insist that XXXX XXXX  contacted them to verify said debt as valid and Convergent continues to report said debt. 

I 've requested validation, varifiable proof, contract and signature for said debt as I do not owe this company, never had a contract with them and do not owe who they claim to be the original creditor. 
Dates and tracking numbers for my letters below : XXXX/XXXX/XXXX XXXX disputed online- Equifax XXXX XXXX/XXXX/XXXX XXXX ( Experian XXXX XXXX/XXXX/XXXX XXXX ( Equifax XXXX XXXX/XXXX/XXXX XXXX ( transUnion XXXX XXXX/XXXX/XXXX ( online dispute- Equifax XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX account # XXXX. 
XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate