23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear Equifax, After reviewing my consumer report, I have some concerns about the validity of your reporting.

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX has with Equifax, and advise how XXXX XXXX XXXX and Equifax gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX inaccurate information on my consumer report. The alleged collection account is not mine. 

Inaccurate information : Collections ONLINE INFORMATION S Opened XXXX {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries that were not made by me to XXXX and those were, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I have disputed inquiries that were not made by me to Experian and that one was, XXXX XXXX XXXX XXXX  and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXXXXXX XXXX XXXX XXXXXXXX accounts with XXXX and one account with Experian and XXXX XXXX XXXXXXXX XXXX XXXX  account with XXXX XXXX XXXX account with experian
Product: Checking or savings account

On XX/XX/18 I had a transaction post on my chase account for {$33.00} immediately after I was hit with an overdraft fee charge of {$34.00}. The next day I went to the atm to withdraw money and rectify the negative account. While checking my chase account online I noticed that a number of overdraft fee had hit my account. The last time I checked the account was nearly - {$110.00} negative. Now, one business day later the account was negative for nearly - {$330.00}. There was 6 charges for {$34.00} in just overdraft fees. I called chase on XXXX, to ask them to remove all 6 overdraft fees and I would pay for the amount that I actually owed. Instead XXXX told me the could only refund me {$52.00}. that leaves me to pay nearly {$280.00}. That means I was forced to pay {$160.00} in overdraft fees. This is unfair, the reason to why the could refund the full amount in overdraft fees is ridiculous.
Product: Credit reporting

Experian have my wrong name on it report.. my name is XXXX XXXX.. 
on Experian report are XXXX XXXX that is wrong last name. need to be fix now
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of ( multiple late payments/late payment ) by the creditors/this creditor to ( insert bureau name here ) . According to their records, several payments/a payment are/is falsely reported as late. These/This alleged late payment/s were/was made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.
Product: Credit card

US Bank decided to close my credit cards in retaliation for filing a complaint against them. 
They are now stealing money as they havent credited payments to my accounts. 
They assigned new account numbers and am trying to make payments. 
They have stolen over XXXX and it needs to be credited to my accounts. 
THIS IS THEFT.
Product: Checking or savings account

I am experiencing a lot of fraudulent activity on my USAA checking account. It all started back in XX/XX/year> after I received a {$17000.00} insurance check from USAA. Every week I would catch 5-100 transactions that were not authorized. Eventually someone had hacked my account and deposited a fake check of {$500.00} which cleared immediately. I caught the activity and notified the fraud department. Now my account is negative {$2800.00}!
Product: Checking or savings account

On XX/XX/2021 I deposited my paycheck into my XXXX banking account when I signed up I signed up for brokerage Plus mobile checking my brokerage account is open but I can not get a checking account to open up there for all of my money is stuck in my brokerage account now and I am unable to withdraw my money I tried getting a hold of XXXX to get this problem fixed they tell me that I need my identity verified I tried calling identify my identity they tell me that I don't need to do anything and that my account should be working soon here it is a few days later I still can not access my money and XXXX still will not do anything about it
Product: Mortgage

Mortgage payments have always been prior to their due date and never behind schedule. We received a tax bill from our Township stating that the taxes had not be paid. Upon reaching out to Bank of America, they informed us that the taxes had not been paid. They had an incorrect due date of XX/XX/2022. The correct due date for my taxes is XX/XX/2022 with a delinquent date of XX/XX/2022. Once a discussion was had with the Bank, they also informed me of the correct amount of taxes being paid by about {$800.00}. The best that they could promise was that the taxes would be paid " sometime before the delinquent date '', which again was in XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( 5 yrs autopay ) Thank you
Product: Credit card or prepaid card

I have XXXX credit cards from different companies -- XXXX, Capital One, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Product: Credit card or prepaid card

I had {$1100.00} in unauthrized transfers on my card occur and had three denied claims that were submitted in time with signature and had my account closed and the balance of {$1600.00} sent to me in three bad checks that were insufficient funds and were bounced and returned to me by Netpsend bank Western Union. 

Western union owes me {$2700.00} for denied claims submitted in timeframe signed and for closing my account without authorization and sending me a bad check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX {$1000.00} violation To Whom it may concern : I, XXXX XXXX, consumer XXXX and natural person, am aware of all the rights that I have, and which are protected by The Congress of The Fair Credit Reporting Act ( FCRA ) .Im contacting you because Equifax, has violated my federally protected consumer rights to privacy and confidentiality and that you claimed to have completed a reasonable investigation with the furnisher of information and verified account listed below as 100 % accurate, However this account is still inaccurate and your company still continue to report errors on my credit profile and its been damaging my credit since XXXX XXXX XXXX. All three credit bureaus have inaccuracies. The account they have listed for XXXX isnt mine, inaccurate account numbers, inaccurate date opened, inaccurate balance, inaccurate last reported date, inaccurate last date active, and inaccurate date of last payment.I disputed this XXXX account several times and you failed to correct the errors each time. Now I want this XXXX  account DELETED IMMEDIATELY! Equifax, illegally obtained person and private information under The Privacy Act of 1974 and 15 USC 1681 Sec 604a sec2 also states a consumer reporting agency can not furnish an account without my written instructions. I did not grant Equifax or XXXX permissible purpose to obtain the information then report, nor did the debtor. I havent been notified that my information is being provided to the highest bidders. I also request for XXXX account to be deleted as well for violations and unlaw acts according to the Family Educational Rights and Privacy Act -for students loans 16 CFR 6805 b- The will for non-compliance, As a consumer, and natural person I am invoking specified remedy and make the following demands : -Cease and Desist reporting of the account name filings to all consumer and reporting agencies -Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what I requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} XXXX off federal protected consumer, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Product: Credit reporting or other personal consumer reports

I am formally disputing these inaccurate accounts and inquiries that are currently listed on my consumer report. This information is harming chances of a healthy financial well-being. I am well aware of my rights under the Fair Credit Reporting Act. I request an investigation to cure these inaccuracies as required by federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime - Stride
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX Account # XXXX, I do not have a contract and never signed a contract with this company and I have filed with the FTC AND IT IS ATTAHCED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attaching the following bank accounts for your review my iinformation was exposed in a XXXX XXXXXXXX data breach in XXXX  and I today when I verified my credit report I have this accounts.I have these credit accounts that I did not acquire. This greatly affects my credit report and I need your help to have this removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to express my extreme frustration and concern regarding an issue I have been experiencing with Cash App today. 

Today, at approximately XXXX XXXX, I initiated a transaction to load money into my Cash App account. Typically, this process is instant, and the funds are available for use right away. However, it is now XXXX XXXX, and the funds have still not appeared in my account. This delay has caused me significant inconvenience and distress. 

In my attempt to resolve this issue, I have taken the following steps : 1. I reached out to XXXX customer support, and they confirmed that the issue lies with Cash App. 
2. I contacted XXXX XXXX XXXX, and they also verified that the problem is related to Cash App. 
3. Upon searching for information about Cash App today, I discovered that there have been reports of Cash App being down. 

My frustration is compounded by the fact that I tried to contact Cash App customer support, but the phone number provided on the back of the card directed me to use the app for support. Unfortunately, due to the server being down, I can not access the app or get the help I desperately need. 

I understand that technical issues can arise, but the lack of communication and transparency in resolving this matter is deeply concerning. I rely on Cash App for various financial transactions, and this unexpected delay has disrupted my financial plans. 

I kindly request that you investigate this matter urgently and provide me with a resolution as soon as possible. It is essential that the funds I loaded are credited to my account without further delay. 

I appreciate your prompt attention to this matter and hope for a swift resolution. Please reach out to me to provide updates or request any additional information you may need. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX  account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Marnier Finance, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia
Product: Credit reporting or other personal consumer reports

I have made multiple attempts and have physical documentation of my paper trail disputes with Transunion, XXXX and XXXX dating back and starting in XXXX of XXXX  and certified mail every 35-45 days until now. All 3 of the credit bureaus ignore my dispute requests and continue to publish inaccuracies on my credit report and fail to notate that the account is even in dispute. 

XXXX - This account is inaccurate and has been re-aged since the date of delinquency/date of last payment do not match across the 3 credit bureaus. 

XXXX XXXX - This account is in violation for failure of notating this account is and has been in dispute for months. 

XXXX XXXX - This account is inaccurate in the payment status and history. One credit bureau reads as current and the other shows late. 

XXXX - This account is inaccurate showing late 60 days on a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I Have a XXXX XXXX XXXX card and one of my payment went late because i lost my debit card and i blocked that. Due to that credit card payment didnt went through. As soon as i realize that i pay them straight away but they put missed payment and negative impact on my credit
Product: Checking or savings account

On XX/XX/XXXX, I received an email that my account had been restricted due to unusual activity. I immediately called Capital One and they stated that a decision was made to close my account, and was unable to provide clarification in regard to exact reason. 95 % of the transactions Ive made with this particular were XXXX made to myself ( another bank account ) or others. I have over {$2000.00} in the account currently that theyre not allowing me to access and can not provide a timeline on when the funds would be released. Its the middle of the month now and I have a number of bills Ill need to take care of in the coming days including rent and Im hesitant to believe that Ill have access to my funds prior to then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my XXXX credit report. They said I need to contact the Fedral Trade Commission and get a report. When I tried that I was sent to XXXX website. XXXX also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX XXXX on XXXX XXXX ( XXXX ) XXXX the other is American Express on XXXX XXXX ( XXXX ) XXXX.