23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

TODAY XX/XX/year> While speaking with the claims department the representative logged into my online banking and started to assist me with my account discovering the bank errors LACK OF PROPER VERIFICATION ADRESS ENTERED INCORRECT. 
these errors were updated but confirmed impact on dispute process in which is still open. I am requesting the relating paperwork to be re- sent to now corrected address. 


also made aware that my debit/checking cards has been mailed to incorrect address serval times- REPEATED ADDRESS ERROR AFFECTING MY DISPUTE PROCESS CAUSING XXXX  AND IMPACTING MY DISPUTE OUTCOME. despise SPEAKING WITH MULTIPLE REPRESENTIVES THAT DID NOT CATCH THIS ERRORS IS NOW CONCERNED WITH ACCOUNT EXPLOSURE.
Product: Credit reporting or other personal consumer reports

I am 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the XXXX  data breach. I have contacted XXXX, XXXX, and Experian. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.
Product: Debt collection

I attempted to despuite this information on my credit report. And was informed that is accurate. In which it is not. I never had a cellphone with this company. I have had problems with my identity being used with out my knowledge in the past. my information was stolen a few years ago. And ive been having to deal with unknown accounts on my credit report from sometime know.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ACC XXXX XXXX XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
tXXXX : XX/XX/23 Experian : XX/XX/23 XXXX : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud  on account   XXXX   and   XXXX   keeps changing the account numbers looking like there is multiple fraud cases but actually does this to keep breaking the block that was issued to my account with the police and identity theft report on file. On   XX/XX/XXXX     XXXX   in experian on a three way call to  XXXX  with myself and a women from fraud dept named  XXXX  deemed the  XXXX  and its charges fraud  XXXX .  XXXX  said  XXXX   XXXX  have your permission to permanently block this account she said yes. It was blocked and unblocked again by  XXXX  and experian refuses to keep it blocked. Now this is fraud. On   XX/XX/XXXX    XXXX  told me experian had a signed application from me opening account but did n't see it and could n't verify it and the account in question bears a totally different name with my social so how is that verified. The day on the phone  XXXX  said none of my info matched my complaint is against experian I pay go monthly identity monitoring and protection they head for hemselves the account is not in my name, but can be verified lies and experian called got confirmation from  XXXX  and told me I have no rights. Legally I thought I did! I am also on   XXXX   limited income. Also on   XX/XX/XXXX     XXXX   alerted experian that a totally different name appeared to my credit report due to   XXXX    card being unblocked and reporting fraudulent name to an account and social and warned them also and this alert locked me out of both credit bureaus because I was known as someone total else my address changed and name and I had to send proof if my identity to which I did to correct issue and experian still kept block off your kidding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to do a hard pull on my credit. I was told there would be a soft pull on my credit by a third party but I never spoke to a representative of this company myself.
Product: Checking or savings account

On XXXX XXXX, 2017 my wife and I went to the US Bank location on XXXX XXXX in XXXX XXXX, MO to move money from our checking account to a new CD. The bank representative would not do so unless we answered several questions to update our profile, including a question on income. In today 's environment of identity theft, we do not want any personal information exposed unnecessarily. I called US Bank 's XXXX XXXX number, and a banker there confirmed the bank 's position. We checked with another bank with which we have an account, and they confirmed that they do not require this information. It seems this is more for US Bank to market their products rather to be customer-focused. Had we applied for a credit product, we could understand the need for the information. However, this should not be required to move our own money.
Product: Debt collection

I do not recognized the reported NTL Recovery Agency. Debt collectors are bound by the FCRA, as well as the FDCPA ( Fair Debt Collection Practices Act ). They must be able to provide proof that I owe the debt. Collection Agency have not complied with FCRA not FDCPA practices. Their no actions had caused me to be denied personal loans and had continued to affect my credit scores. I hereby request this collection be immediately removed from my credit files.

NTL Recovery Agency must be legally allowed to collect the debt and they must be licensed to collect in your state.

They must be able to provide proof that I owe the debt. As of the date of this letter, this had not been accomplished. NTL Recovery Agency must be legally allowed to collect the debt and they must be licensed to collect in your state.

As a consumer, I have the legal right to dispute the validity of any collection inquiry, or account on my credit report. The debt collector or XXXX XXXX must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus XXXX XXXX XXXX ) are required to remove the negative items from my report thusraising my credit scores. XXXX has continued to report reference collection notices, with a total disregard to applicable laws and regulations. {$540.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX 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 XXXXXXXX XXXX XXXX # XXXX, DEPT OF EDUCATIONXXXX # XXXX has violated my rights.

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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX US DEPT OF ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX US DEPT OF ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My vehicles were insured with XXXX for many years. My spouse and I separated and eventually split and the insurance was not maintained on the cars resulting in it going to collections. I satisfied the debt in full per there request and was advised the debt was paid in full and would be deleted. It has been in excess of 6 months since the debt was paid and it reflects on the bureau that I have an outstanding debt. I have contacted the company several times pertaining to removing the debt and providing me with a letter of deletion which they have not completed. I spoke with XXXX on XX/XX/2017 and she stated the company has requested the item be deleted on many occasions and her manager XXXX has requested the item to be removed again. She stated she was not able to provide me with a letter of deletion so that I may submit the documentation to my mortgage company. I have attempted relentlessly to have this item removed and the company has failed to provide any assistance with this matter.
Product: Credit reporting or other personal consumer reports

Dates : XX/XX/2023, XX/XX/2023 and XX/XX/2023 Amount : {$3300.00} Action taken : I sent a dispute letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Open Late Dates XX/XX/XXXX, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts were finally blocked. 

A XXXX card, which was the result of that ID Theft and was BLOCKED from my credit reports is back on m credit reports. 
As a result of the ID Theft I had requested XXXX to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX did none of this and I have received zero documents as required by law. 
However, and incredibly shocking These scumbags at XXXX continue to break and ignore the rules of law. XXXX has placed this account back unto my XXXX, Equifax and XXXX credit reports, dropping my credit score over XXXX pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS. 
XXXX, EQUIFAX AND XXXX  MUST BLOCK THIS XXXX ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against XXXX, Equifax and XXXX in XXXX XXXX.
Product: Mortgage

I am trying to save my home. My husband passed away and I am just trying to assume the loan. The lender has refused to help me and I can't pay what is due until they offer a loan modification. 

I have no where to go and I am afraid that the lender is going to place a foreclosure sale date soon. I have submitted everything they needed for a proper review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able and spent several hours trying to contact Experian Credit Bureau to unfreeze my credit report using repeatedly both telephone and internet. There is no way to contact them. The other 2 credit agencies make it easy and take only a minute. There is something wrong with Experian. Date XX/XX/19
Product: Money transfer, virtual currency, or money service

CashApp Complaint On XX/XX/2023 I added {$1400.00} from my bank account to my CashApp account to pay for my rent. The payment was completed. I noticed on XX/XX/XXXX, that there was {$1400.00} in my CashApp balance so I waited another day to see if it was the rent payment that didnt clear. On XX/XX/XXXX my main bank account was negative and I was charged six fees because CashApps app had withdrew an additional {$1400.00} without my knowledge or authorization. On XX/XX/XXXX I contact the CashApp Customer Service only to be told that there was nothing that they could do and that I could send the money back instantly for a charge of {$26.00} or transfer it and wait 1 to 3 days to get to my bank. CashApp should take responsibility when their app glitches and pulls money from bank accounts without authorization. I have had to pay over {$200.00} in fees and they are not doing anything to rectify the problem or to prevent this from happening again.
Product: Debt collection

Stoneleigh Recovery Associates/The Bureau did not validate the collection placed on my account and was required by law to remove the collection from my file in XXXX 2017. 60 days later they placed the collection back in my file without providing myself or my legal representative proof of debt validation. To date, they have not provided proof of debt validation and did not notify myself or my legal representative that they would place the collection on my file again ; a collection that has been disputed, removed once and still not verified by their collection agency. I have not been contacted via telephone, email or written correspondence since the collection was first removed from my account.
Product: Checking or savings account

I am writing to formally dispute late payments reflected on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX associated with the account opened with XXXX XXXX Self Lender Account Number : XXXX, Loan Number : XXXX, CD : Number XXXX. The account in question was initiated on XX/XX/XXXX, and closed on XX/XX/XXXX. 

The late payments reported on my account were a direct consequence of the post-pandemic financial hardships that significantly impacted my ability to fulfill financial obligations during that period. I am disputing these late payments as they do not accurately reflect my financial responsibility or creditworthiness, and they were a result of extenuating circumstances beyond my control. 

Moreover, I wish to highlight that the reported late payments go against specific provisions outlined in the Gramm-Leach-Bliley Act ( 15 USC 1681 ), which protects consumer privacy and imposes restrictions on consumer reporting agencies. Specifically, 15 USC 1681 Sections 602 and 604A ( 2 ) ensure the right to privacy and prohibit the furnishing of information without explicit written instructions.

Additionally, as per 15 USCS 1666b, creditors are prohibited from treating payments on credit card accounts as late for any purpose without just cause. The inaccuracies in my consumer report have unfairly impacted my financial standing and are a breach of my rights under this statute. 

The inaccuracies in my credit report, specifically the reporting of late payments during this challenging period, have unfairly restrained my ability to access fair credit terms, constituting a restraint of trade. 

Therefore, I kindly request a thorough investigation into these discrepancies and the removal of the inaccurate late payments from my credit report in compliance with the aforementioned statutes. I seek a fair and accurate representation of my credit history in accordance with the law. 

Please provide me with written documentation of the investigation 's results and any corrective actions taken. 

I want to emphasize that I am prepared to take legal action to protect my rights in the event that these inaccuracies are not addressed satisfactorily and in compliance with the law. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have been a with BESTBUY/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.