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

This complaint addresses the ongoing security hold on XXXX  account XXXX, where despite providing required documents and receiving escalation confirmation via XXXX, no meaningful update has been provided. As a loyal customer, the lack of a timeline and the delay, particularly for a withdrawal to a pre-approved address, is unacceptable. Immediate action is requested to resolve the hold and restore access to funds, as XXXX  has failed to provide any indication of when the issue will be resolved.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute an error on my credit report, which I recently received from your bureau. 
The inaccurate information concerns XXXXXXXX XXXX XXXXXXXX XXXX. 
Upon reviewing my credit reports from the other two major bureaus- XXXX and XXXX found that this information is not reflected on those reports. The inconsistency between the reports from your bureau and the others leads me to believe that the information being reported on my file with your bureau is incorrect. 
I respectfully request that you conduct a thorough investigation of this matter and correct the error on my credit file. Under the Fair Credit Reporting Act, you are required to investigate and resolve disputes within 30 days of receipt of this letter. Please inform me of the outcome of your investigation and send me a corrected copy of my credit report if changes are made. 
I have provided a proof of the deleted items as well as my identification. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  derogatory account claims on my  XXXX , Experian, and  XXXX  credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on  Federal and State of  Florida  Statute Of Limitations. I have reached out to all  XXXX  credit bureaus and filed dispute s and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX  k has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report I was enraged to find a number of inaccurate reportings. XXXX being a late payment that I was not efficiently warned of and is entirely inaccurate and then on top of this there are a few inquiries that I never authorized the release of my information for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX 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. 
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. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX. ( Account XXXX : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
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 items that were 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. XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$890.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.
Product: Mortgage

Approximately a year and a half ago I applied for a home equity loan through KeyBank. After several months of being put off I was informed in writing that I was approved and I needed to make a trip to Ohio to sign the necessary paperwork. I expressed my concern because of XXXX and my XXXX XXXX about traveling. I was told that my brother could use power of attorney to complete the transaction for me. My brother made two trips to Ohio from Florida to no prevail the first time the paperwork was not done the second time the paperwork had some errors. I was forced to make the trip myself I was told to come to the local branch in XXXX Ohio all the necessary paperwork was ready guarantee there will be no issues. After arriving in XXXX Ohio I contacted the bank and was informed once again the bank and made errors. I was asked to stay a few extra days at my expense. I did so then I was informed that the bank had some paperwork to fix and the loan will be done soon. Meanwhile pending this whole time I had a purchase of a house I lost because of delay delay on KeyBank side. After approximately another week I got a letter denying me my loan after being told numerous of times while loan was approved. I was in contacted by a lady name XXXX that offered me {$1500.00} for my inconvenience. I found that insulting
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of a charge off from my credit report, as it is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this charge off is in violation of section 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) of the FCRA, which require that credit reporting agencies accurately report credit information and investigate disputes. 

I am still receiving notifications of the card being charged, which further demonstrates the inaccuracy of this charge off.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}.
Product: Credit reporting or other personal consumer reports

XXXX has on my credit report an XXXX  XXXX XXXX account for {$XXXX} the original creditor is unknown and the creditor contact is unavailable. there also is an account for XXXX XXXX XXXX for {$XXXX}. original creditor is unknown and the creditor contact is unavailable. i requested that said accounts be removed from my credit profile as there is no way for me to contest the validity of said accounts absent the original creditor information. XXXX has refused to remove said accounts from my credit profile for reasons unbeknown to me. XXXX also reports an account from XXXX for {$XXXX}, XXXX. I voluntarily surrender the vehicle following a no-fault accident and at the time of surrender the vehicle was insured. I notified XXXX that the vehicle was paid off by insurance but XXXX continues to report said account on my credit report
Product: Credit card or prepaid card

I ordered an icemaker ( Order # XXXX ) on XX/XX/2023 for delivery to store # XXXX. 
I have not received the item yet. Today I called Home Depot ( XXXX ) and spoke to XXXX, who could not explain why I didn't get the item yet. 

The invoice number is : XXXX
Product: Debt collection

I have received repeated calls from a debts collector named Midland Credit. They said I owe numerous credit card debts and I need to settle it now. I owe over {$4000.00} and I need to settle it now, they are going to take it to an attorney if I do not settle it now. They have called me more than 8 times a day on either my house phone or cell phone. They have even called after XXXX at night. They answer the phone just saying hello and the guy even laughed when I was asking questions. I have NEVER received any type of notice or anything stating anything the man said. I believe they are harassers and just want my money. We are in a Pandemic and he was demanding money. They are using scare tactics.
Product: Payday loan, title loan, or personal loan

I made what I thought and confirmed with operators assistance my last payment of {$470.00} confirmation # XXXX XXXX! Then they sent me another bill XXXX for additional payment of {$440.00} and I immediately called and asked what is this is for when I have paid them my payoff amount? And she says you owed this more amount and I asked why and they couldn't give no descent answer. I talked to XXXX people with no descent answer my records show that I did meet my obligations, that I hope to show you with process! I did pay the remainder amount because I didn't want to mess up my credit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personal information was breached and I have requested these inquires to be removed from my credit file but Experian refuses to remove them. PLEASE DELETE THESE INQUIRIES I HAVE NO IDEA HOW THEY GOT ON MY CREDIT PROFILE. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Money transfer, virtual currency, or money service

I have tried multiple times to withdraw funds from my coinbase wallet but transactions keep getting stuck in pending. 

XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX ZRX but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX XXXX but transaction is stuck in pending I have contacted Coinbase support through multiple channels including telephone, several e-mail addresses and XXXX but have received no adequate response or any assistance what so ever with my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been unable to access all XXXX credit reports online.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Removal of Inaccurate Late Payment/Charge Offs on my Credit Report To Whom It May Concern, Upon reviewing my credit report with [ Experian, XXXX, XXXX XXXX ], I identified multiple inaccurately reported late payments/charge offs for the following accounts : XXXX XXXX XXXX XXXX  XXXX Your actions are in direct violation of 15 USC 1681b and 15 USC 1681, which explicitly dictate that consumer information can only be furnished with direct consumer consent and that certain transaction information should not be included in consumer reports. Specifically : Transaction data solely between myself and your reporting agency should be excluded unless specifically authorized. 
Approval or denials related to credit extensions, and certain third-party communications, are also not permissible for consumer reports. 
Additionally, when a debt is charged off, it is considered canceled debt, allowing the creditor to write it off as a loss for tax purposes. You should provide me with a Form 1099-C reporting the amount of this canceled debt, which I must include as income on my tax return. Also, income can not be reported as debt ; income refers to money earned, while debt represents money owed. However, canceled debt can result in taxable income, which I must report when filing my taxes.

Furthermore, under 15 USC 1681i, consumers have the right to dispute inaccurate information on their credit report, requiring credit reporting agencies to conduct a reasonable investigation. I have not received any 1099-C from either company, but you are reporting a charge-off on my report for multiple months which is also inaccurate information, and the role of the reporting agency is accuracy.

This report violates the permissible purpose requirement under FCRA. I expect these erroneous late payments/charge offs to be removed immediately to prevent further legal escalation. Failure to comply will result in additional action based on 15 USC 1681n pertaining to the civil liability of credit reporting agencies and users of consumer reports for noncompliance with the Fair Credit Reporting Act ( FCRA ) Thank you for your prompt attention to this matter. I expect written confirmation of these removals within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.
Product: Checking or savings account

i called XXXX XXXX XXXX XXXX on XXXX and did not allow me to close my account. 

i also do a chat on the website and they did not close my account on XXXX. 

they will not allow me to close me account until i travel 2000 miles to a location branch in texas to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, XXXX & Experian. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from CDIA - Consumer Data Industry Association which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the XXXX above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( Experian ) 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 ' & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( 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. 

To date I have not received this information and again they are stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, Experian & XXXX. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
Product: Money transfer, virtual currency, or money service

I am filing a complaint because Cash App ( Block , inc ) due to inadequate customer services and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to protect my account effectively to address and prevent fraud on their platform, leaving my account unprotected. Furthermore, their dispute process was deceptive and completely unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have caused significant financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Specifically online bill payments of {$1900.00}. on XXXX and {$2000.00}. on XXXX both to XXXX XXXX. The management office denies receiving the payments. 
Two management agencies are involved, XXXX XXXX for the XX/XX/2019 payment and XXXX XXXX XXXX for XX/XX/2019 payment. On multiple occasions I spoke with CitiBank online services. On two occasions I received written documentation that XXXX XXXX  did not receive payment. XXXX XXXX no longer manages XXXX XXXX. I called XXXX XXXX  to inquire about the payment and the accounts manager informed me that they did not receive any payment. XXXX XXXX also denies receipt of either payment for dates referenced and Citibank has not credited my checking account for the total {$3900.00}. dollars. 

Please sort this problem so that my checking account is correctly credited. 

Thank you Citibank Response reference numbers XXXX, /Trace # XXXX for XXXX. XXXX XXXX # XXXX for XXXX. Acct ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A settlement was made to HUNTER WARFIELD for XXXX   XXXX apartment account ... the account was paid off on XX/XX/2019. It is still showing as open and needing attention.. I need the company to report the account as a settlement and paid off or closed due to settlement paid in full.