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

I recently removed my credit report and noticed an account that was reporting inaccurately. On my XXXXXXXX XXXX XXXX account XXXX, I have 1, 30 day late payment on this account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. The date in question is XX/XX/year> I am now requesting you investigate this account and update the payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to contest the presence of hard inquiries listed on my credit report, as detailed below. These inquiries were conducted without my knowledge or consent, and I am formally requesting their immediate removal from my credit file.
Product: Debt collection

I received a text message from XXXXXXXX XXXX  with a link to download a statement from them. When I clicked on the statement it said I owed another debt collection agency {$530.00}. I called the company informing them that I had already paid the debt back in XXXX of 2019. 

I was previously laid off and had amassed some credit card debt and paid it all off with some inheritance in XXXX of 2019. I expressely remember paying this debt because I had to do it on my lunch break because they close at XXXX pst. 

The debt collector threatened me and said the burden of proof was on me to verify that I paid. They've refused to contact the former debt holder and are now harassing me.
Product: Payday loan, title loan, or personal loan

I made a payment to TD Bank on XX/XX/2020 over the phone for my Mor Furniture account. I used my XXXX XXXX account information that I have been using for 7 years without any problems. A couple of weeks later I get a letter saying my payment was returned so I call to find out why. Over the phone on XX/XX/2020 I was told my account information was wrong or my bank may have refused the payment which made no since to me because it has been the same for 7 years. They told me to call XXXX XXXX to find out why. That day I paid the remaining balance off using my XXXX XXXX account because I didnt want to be past due again and I had the money to pay it off. On XX/XX/2020 I called back because my credit report was saying my account was delinquent and it dropped my credit to XXXX when it was just XXXX I asked them to fix this because I gave them the correct information on XX/XX/2020 I asked them to look into it also because I talked to my bank XXXX XXXX to make sure I gave them the correct information and that they didnt refuse or reject any payments on or around that date, XXXX XXXX said they hadnt. TD Bank said they looked into it and I must have given them the wrong information or something because they did everything correct and payment was returned due incorrect account information. I asked them to verify what information I gave them and checked my bank account with XXXX XXXX, the account information matched so I asked them to continue to look into it and I would do the same. On XX/XX/2020 I asked them for all payment information including a trace or confirmation number they got from using their ACH payment system that XXXX XXXX told me and XXXX representatives told me to ask for because if I had that information, that TD Bank should have, then XXXX XXXX could check the ACH system to see why the payment didnt go through. TD Bank told me they dont have any kind of trace or confirmation number for that payment excerpt an internal company one, so I asked for that they told me they couldnt find it. They also told me they dont have any papers they can send me to make sure the representative on the phone didnt make a mistake. I offered to give them my band statement and a letter from XXXX XXXX proving the information I gave was correct they said theres nothing they can do and it wouldnt change anything. I also asked them to pull the call from that day to make sure the representative or I didnt make a mistake or to check their system to see if something was wrong with it that day or something wrong with the way the information was put in but their telling me they cant even access that information they just have a return notice saying my account information is wrong. But my bank XXXX XXXX is telling me its not and its probably something they did on their end and I would really like to get to the bottom of this so I can fix my credit and make sure it never happens again. I have never had a late payment or delinquent account and would like it removed from my credit report immediately especially since they cant even give me proof they submitted my payment correctly.
Product: Checking or savings account

XX/XX/year>, I visited XXXX XXXX XXXX XXXX XXXX XXXX and spent {$39.00} using my debit card with the PIN. The clerk was very inappropriate and as a woman alone, I was very uncomfortable and left quickly. This charge showed up on my account, and a second charge of {$320.00} showed up on my account dated XX/XX/year>. I noticed this on XX/XX/year> and immediately called Huntington Bank to dispute the charge, stop my debit card and order a new one. I also called the XXXX XXXX XXXX  and filed a police report for theft ( case ID XXXX ). I paid extra to receive my debit card sooner, as this was on a holiday weekend and I would otherwise wait over 7 days for my new card. On XX/XX/year>, the dispute was denied and the provisional credit issued was reversed from my checking acct. i called and requested documentation from their research dept about how they determined this, and requested that the dispute be reopened. On XX/XX/year>, i received a letter stating the dispute was again denied. I called again and requested documentation and requested that the dispute be reopened. At this time they requested the police report case # and i provided that. On XX/XX/year> i called to ask the status of the case and was told it was denied again. I told them they had not sent requested documentation yet and that i wanted to know the next steps to get my money back. They stated they could reopen the dispute and put another request for documentation but that it would probably be denied again and that i would receive a letter that states exactly what Ive been told.
Product: Bank account or service

I made a commitment to pay off a closed credit card debt of around {$25000.00} with Wells Fargo bank. I was paying the {$800.00} a month as agreed. On XXXX XXXX, XXXX I had a XXXX XXXX and went into the hospital for three weeks for XXXX. While in the hospital I called Wells Fargo and told them I could not physically get out of the hospital to get to my computer to make the payment. In the meantime I received several payments form clients which were already committed to pay subcontractors. When I returned home on XXXX XXXX and as XXXX as I was I wrote out a check and a letter of Introduction for my grandson XXXX who was my XXXX and asked him to go make the payment. He had a lot of errands and did n't get to the bank in time. On XXXX XXXX, XXXX I went online to Wells Fargo and was stunned to see that they had STOLEN {$24000.00} from my account ( which was committed to paying my subs ) and applied it to my credit card without a warning, a notice or permission. This is outrageous. We put money in the bank for safety so robbers wo n't get it -- little did I know that Wells Fargo were the robbers.
Product: Credit card or prepaid card

The JP Morgan Chase Bank Credit Card Account XXXX in XXXX is non-compliant to the adjustment the CARES ACT made to the FCRA laws surrounding reporting : Please refer to the CARES ACT information affecting this inaccurate late payment. It was pulled from the XXXX website, entitled : XXXX XXXX and Scores Under the CARESACT. '' The article is located at this web address XXXX XXXX XXXX XXXX  # XXXX This alleged late payment falls under the CARES ACT : The Card issuer was contacted in early XXXX, and they agreed to provide me a fee reversal due to COVID-19 Hardship. I learned on, XX/XX/XXXX, The reversal was not posted to my account as they agreed. I contacted the card issuer again on XX/XX/XXXX, and they stated that the fee reversal would again be provided to me. The fee reversal represents an accommodation as defined by the CARES ACT. It falls under the stipulation that the creditor provided me with relief due to COVID-19 hardship. Thus must delete the LATE status reported in XX/XX/XXXX.
Product: Consumer Loan

My creditor matured my car title loan 8 months before true maturity of my loan and had no choice but to refinance my loan i was told to send paper work back as soon as possible so they could help me. According to them I still owe them most of my original loan amount. I truly believe that something is very wrong and I would like some help
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting false and inaccurate information
Product: Mortgage

Had a XXXX lien on my XXXX home XX/XX/XXXX, been removed mo. ago, In XX/XX/XXXX Chase started taking monies I guess from my escrow acct totaling to date $ XXXX litagation fees. XX/XX/XXXX was told after {$540.00} taken NO more would be taken. Local bank again on XX/XX/XXXX made a call was told they would get back in 3 days, Nothing yet as of XX/XX/XXXX. Never received any notification, what charges would be, where they were getting , what happened w/case, my mort went up {$100.00} a mo, so they could take more $ from me w/no explanation. Plus do n't they already have lawyers on staff..
Product: Bank account or service

I went into Bank of America to transfer my IRA from XXXX XXXX to Merrill Lynch. 
Silly me. 
The account was opened using my Social Security Number but in the wrong name, " XXXX ''. VERY SCARY. How do they ( XXXX ) get away with this level of incompetence? 
See the attached letter from Merrill Edge. 
For the record, my name is " XXXX ''!!! 
I have talked to Bank of America, Merrill Lynch and Merrill Edge 9 or 10 times so far, to stop sending me correspondence in the WRONG NAME. Each customer service person is very nice and their claim, " I can fix this for you! ". LIARS The computer still sends out notices in the wrong name despite my many calls to them to STOP sending mail in the wrong name! 
HOW CAN WE GET MERRILL TO STOP, FIX OR ELIMINATE THIS SITUATION THAT THEIR INCOMPETANCE CREATED?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX XXXX  ( XXXX  ) XXXX  over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX XXXX ( XXXX  ) XXXX  that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX  ( XXXX  ) XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX  XXXX XXXX  ( XXXX  ) XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX XXXX XXXX ( XXXX  ) XXXX  failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency.

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2020 Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX , MO XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX EQUIFAX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau Name : Trans, Union XXXX XXXX XXXX XXXX XXXX : XXXX XXXX I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The office of Bursey & Associates , P.C . in XXXX Arizona while contacting my about a debt in collections for XXXX XXXX XXXX sent me information ( Full name, Address and act numbers and Original creditor statement ) belonging to someone else. And only sent a cover letter with my name on it. If I received someone elses acct information then someone else received mine. This is not acceptable.
Product: Money transfer, virtual currency, or money service

Cash App has accepted several bitcoins purchases but they have been unauthorized. My account is deliquent and these transactions keep showing. 
There are several XXXX  purchases.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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

On or about XX/XX/2019 I was contacted on my home phone by someone claiming to be from Nissan, an auto lease that I had while on XXXX XXXX. This car was repossessed and given to creditor willingly. Payments we not made due to severe automotive accident with XXXX. Personally was not aware of my responsibilities. I explained this to the company at that time. On the above date I was called by the company being told if I dont pay them the total amount due in a lump sum they will sue me. I am a non working XXXX veteran. This was explained to the creditor they told me the didnt care I had to pay them in full that day or they would sue me. They also stated the would take my income until the debt was paid. Upon hanging up on the called I called the credit back. They claimed that they could do what they want to get their money. So what if you are a XXXX veteran. 
The tactics of this debt collection is extremely rude.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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.

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Product: Debt collection

Midwest Recovery Systems has placed a debt of {$430.00} on my credit report claiming it comes from a company called XXXX XXXX XXXX which is false and I do not owe this debt. Midwest recovery Systems has never once sent me anything in writing to give me the opportunity to dispute it, but they never did that which is illegal and they went ahead and placed it on my credit report. I filed a complaint on here against XXXX XXXX ( case # XXXX ) and it came back that the Insight could not respond and they believe I am a victim of fraud.. How can Midwest Recovery Systems just place something on my credit report with never verifying the debt. also, there are many complaints against insight capital who tries to fraudulently collect on payday loans, which are illegal in the state of ny, illegal to give in any way shape or form and also illegal to collect on.
Product: Checking or savings account

In XX/XX/2018 I reported fraudulent activity on my checking account. Someone charged over 1500 dollars using my debit card. Bank of America had even flagged my account for fraud, yet they are now claiming I authorized those purchases and want to take back the amount credited to my account. The card was not stolen and yet my PIN was used, according to the bank and they did not alert me.
Product: Credit reporting

Since XX/XX/XXXX I have been trying to get the credit reporting agencies to remove this account : XXXX. This collection agency faxed the credit reporting agencies to remove their account from my credit file because they were not supposed to report this small debt. We made an agreement to settle the account in XXXX payments for the exchange of not reporting. The manager made a mistake and reported and after it was brought up to their attention, they faxed the info over to the XXXX major credit reporting agencies to remove. XXXX and XXXX have removed but not Equifax. After disputing with Equifax directly they keep telling me is verified, is mine and they will not remove. The collection agancy says they ca n't do anything about it because they have already tols Equifax to remove this.
Product: Payday loan, title loan, or personal loan

I applied for a {$75.00} " Extra Cash Advance from Dave Inc via their app on XX/XX/XXXX, which I received on the XX/XX/XXXX. I pay a $ XXXX service fee to Dave to be eligible, along with submission of application of proof of my income source and pay schedule ( which is SSDI XXXX ). 

There is an additional charge for the loan, and I signed off on a settlement amount of {$83.00}, and a settlement date of XX/XX/XXXX. ( I didn't realize the settlement period was markedly shorter than past loans ) Unfortunately, my account is currently in the negative and when they started submitting auto-debits to my account on the XXXX, I submitted a written revocation of authorization to auto-debit my account and Informed them I would settle manually via their app on pay day, in the coming week. They not only ignored this request, they have sent over 14 autodebits to my account over the last 3 days, despite my repeated requests to stop accessing my account. They have gone as far to respond and tell me it is in their right to continue to debit my account unlimited time per day, until they successfully recoup the {$83.00}. I believe this is a harrassing way to recover a debt, particularly since they were made fully aware of my pay schedule prior to the advance. Additionally, as I intend to pay them manually, I don't believe they have the right to ignore or deny my written revocation of account authorization. I have supplied documentation to my bank, asking them to dispute all further debits and I have not been charged any fees. For {$83.00}, Dave has shown predatory behavior and have caused tremendous stress.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX XXXX recently placed a collection on my account. I contacted them to find out what the debt was and why it was on my credit report. I had never heard of this company and had never received any form of communication from them. I was told by this company that they did not have to send me any information and that its a courtesy and they had legal rights to place the information on my credit report even if I was not aware of it. This company has not provided me with any information concerning any debt.
Product: Mortgage

On XX/XX/2020 I corresponded to XXXX who is a representative of Flagstar Bank concerning the overcharging on my escrow account, I asked for Flagstar to refigure my escrow due to a large overage in the future, XXXX refused to refigure.