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

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$710.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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5 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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XXXX I was notified of fraud on my card. Contacted Capital One and they closed account and issued new card. 

XXXX I filed a fraud complaint with FTC for the credit card and additional fraud on my taxes. Same time I placed a security alert with all the credit bureaus. 

XXXX XXXX  reported fraud to Capital One based on my security alert and the FTC report they needed. Someone failed to read the entire report since the fraud was already resolved by Capital One. Capital One closed my account and will not reopen. 

XXXX I submitted explanation letter to Capital One to have account restored. Have never heard from Capital One regarding this matter beyond my numerous calls and conversations with fraud supervisors. They have informed me that we have submitted all the paperwork needed and it was just a matter of time. 

Multiple other dates of calls to Capital One. Last one being today XXXX. 

I must get this resolved since a vendor returned {$940.00} to my Capital One card. I have no access to these funds per Capital One since account is closed. In addition, the account being closed I have also lost access to approximately {$420.00} worth of store points at Cabelas. 

I am simply asking Capitol One to restore my credit card which should allow me access back to my points and allow me to receive a refund of returned funds. 

I've paid all my balances on the card which they were able to mail me an invoice after account has been closed. But in the meantime they have never reached out to me to resolve this issue since I have no access to account. 

I look forward to your response.
Product: Credit reporting or other personal consumer reports

I identified several inaccuracies on my credit report maintained by Equifax, and I formally demanded an investigation and correction of these errors in accordance with XXXX laws. Here 's a summary of the issues I raised : Account Status Discrepancies : XXXX ( 15 U.S.C. 1666c ) : This account is inaccurately reported as having late payments. I requested it to be updated to " Never Late '' under the statute ensuring prompt and fair crediting of payments. 
XXXX ( 15 U.S.C. 1666c ) : Similarly, I demanded this account to be updated to reflect " Never Late. '' Inaccurate Account Reporting : XXXX ( 15 U.S.C. 1681o ) : This account remains on my report despite the original creditor agreeing to delete it once it was paid. I requested its deletion, citing negligent noncompliance. 
XXXX ( 15 U.S.C. 1692g ) : This debt lacks proper validation. I demanded its immediate removal per the debt validation requirements. 
Incorrect Personal Information : Two addresses listed on my credit XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX incorrect. I requested their removal under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies maintain accurate and complete information. 
I reminded Equifax of their obligations under federal law to conduct a thorough investigation within 30 days and to correct or delete any information found to be inaccurate or unverifiable. I also referenced case law, including XXXX XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX, emphasizing their duty to conduct a diligent and reasonable investigation. 

Failure to address these issues could result in liability for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I also requested a detailed explanation of the procedures used during their investigation and an updated copy of my corrected credit report. 

This letter reflects my commitment to ensuring that my credit report accurately represents my financial history and complies with federal law.
Product: Credit card or prepaid card

Capital One. XXXX XXXX an account was opened. That account ended in XXXX. 
After a XXXX XXXX payment was recorded as late the card was paid to {$0.00} and then not used. 

In XXXX XXXX or XXXX XXXX Capital One marked the account as closed. 

In XXXX an unsolicited offer of credit was made with an account number ending in XXXX. 

Capital One is now claiming the XXXX account is the same as the closed XXXX account. 

Capital One and its XXXX alleged XXXX attorneys refuse to provide the contracts used to create the XXXX account.
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 violates 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided Experian with emails that were from XXXX XXXX XXXX company and the finance company used for XXXX XXXX XXXXXXXX XXXX XXXX that clearly stated I had never received XXXX XXXX XXXX and they were working on having it removed from my credit. XXXX XXXX XXXX company took the money from XXXX XXXX for a trailer I ordered but they sold to someone else. XXXX XXXXXXXX has put in writing that this money has not been returned by XXXX XXXX XXXX XXXX but they have cancelled the loan and will have my credit report updated. I never received the money or the product. I was told by my lender who I am working with to purchase a home to provide these records and proof to dispute with credit bureaus and I did. Not only is the proof in the email I also provided contact info to both companies to the people who were working on resolving this inaccuracy. They updated my report as the balance being valid within 24 hours. No way they did any investigating and I have confirmed with XXXX from XXXX XXXX nobody ever contacted him or he would have advised them of the fact I do not owe anything for a product I never received. Both XXXX & XXXX XXXX XXXX have stopped responding and I am unable to get an update from them.
Product: Credit card

On XXXX XXXX I made an overpayment on my credit card, the amount was {$11000.00}, and immediately, Capital One restricted my account because of that payment. They requested I send them a picture of my id card and a utility bill, which I immediately provided. I was then told I would have to wait 1-10 business days so they could review it and they would call me. Two full weeks later, I called them back and was told they had not reviewed my documents and that they would call. No one ever called and amazingly, card was operational and the payment applied to my account.. used my card and on the same day I noticed a fraudulent charge online from Ikea was made on XXXX XXXX. I immediately locked the card and reported the fraudulent charge. On XX/XX/XXXX, another payment was mistakenly sent into my account for the same amount, I have since corrected this error so no further automatic payments will be made to Capital One. I again contacted customer service because my account is restricted again since that date, they removed the payment from XXXX, tentatively credited the XXXX payment but the statement says that I have over XXXX on the card over my credit limit, but also I owe them a payment of {$430.00} on XX/XX/XXXX and because I didnt make the payment, I now owe an additional {$30.00} late payment fee. I have made numerous calls to Capital One over this issue but now going into 3 months now and they have been sitting on my money and will not refund it or credit my account, all while using my money interest free. I have been with Capital One for over 20 years and up until now have never had a problem with them.
Product: Debt collection

The debt owed is {$600.00}. I made a payment of {$50.00} two weeks ago and they keep calling my husband 2-3 times a day stating they are going to take legal action. I called today to try to make a payment arrangement for the renaming {$550.00} balance. I wanted to pay {$100.00} a month for the next 6 months to pay off the balance. They informed me I could only do 3 payments and state so I could only do {$100.00} due to our current financial situation. The company representative was very rude and stated fine call back when you want to pay the amount in full. I then asked to speak to her supervisor. The supervisor informed me they do not do payment arrangements and stated I had to pay the full amount. I said I could not afford their payment and she said well you should of figured that out with the XXXX center. I ended the call there.
Product: Credit card

This is in regards to a CitiBank XXXX XXXX AAdvantage credit card that I currently hold. 

Unauthorized charges appeared on the account XX/XX/XXXX from XXXX XXXX for {$1400.00} each. I had reported the activity immediately to CitiBank immediately and they sent me a new card and directed me to their customer service team to make a dispute. The last call I had made to the Citi Bank customer service team ( XXXX ) in the middle of XX/XX/XXXX, someone named XXXX from their team assured me that the XXXX unauthorized charges and interest charges would be credited by XX/XX/XXXX, after the closing of the previous billing cycle, however the charges have not been credited to my account as of XX/XX/XXXX, which is two billing cycles after the unauthorized charges occurred. 

I have made several phone calls and spent several hours speaking with their customer service and fraud teams and have yet to see resolution to the matter. 

Summary of the unauthorized/disputed charges : # XXXX : XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX {$1400.00} # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} Intertest charges incurred as XXXX result that the customer service team ( XXXX ) assured me would be credited back to my account : # XXXX : XX/XX/XXXX : {$61.00} # XXXX : XX/XX/XXXX : {$120.00}
Product: Mortgage

My payments for my mortgage are sent electronically directly to NewRez from my account. Payment was sent and received successfully since the inception of the loan. 
The XXXX payment was sent and RECEIVED by NewRez on XX/XX/2021. But, they did not credit my account and are charging me a fee. I have called 3 times, each time the representative has told me something different. In only one of the calls was the representative even polite and she did attempt to help resolve the issue, but to no avail. My bank has sent proof of payment to the NewRez fax number, and still they are not crediting the account, but instead they are threatening to report the loan in default. Please help! What else can I do? They already have my money!
Product: Debt collection

XXXX at tower loan in XXXX la, is constantly calling my phone and job phone more than once a day. I was threatened today XX/XX/19 at XXXX XXXX with a lawsuit by he and supervisor XXXX.
Product: Credit card or prepaid card

Have been always current with Capital one. 

Did carry a balance but it was at a promotional rate. 

Have made absolutely no new purchases or transactions for over 6 months. 

Without any notice or proper disclosure raised my minimum payment. 

Since it's on autopay ... 
resulted in late fees and loss of lower interest offer. 

In the past they changed my due date which caused me to be unintentionally late which Gives them the " right '' to charge more late fees and revoke low interest offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need these taken off my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan call XXXX instead of my score going up, TransUnion brought it down 9 points. Please help me with this. When I spoke to them they didn't care about fixing it. They asked me to talk to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Late Payment Entries on Credit Report To who it may concern, I am writing to address a significant issue concerning my credit report, which indicates late payment on my account with your company. This reported late payment is negatively impacting my credit score and affecting my ability to obtain new credit. 

The credit report reflects late payments on XX/XX/2024. 
XXXX XXXX XXXXXXXX XXXX I believe there may be inaccuracies in these records. It is crucial that your company complies with legal requirements to ensure the accuracy of reported information. This includes correctly sending statements and bills to my current address, processing address changes promptly, and recording payments accurately and on time.
Product: Debt collection

I spoke with a representative XX/XX/2019 at XXXX XXXX and agreed to a payment plan they called my work number and I told them to remove that number immediately, after making the payment arrangement the day prior they called me yet again at XX/XX/2019 at XXXX XXXX I was so upset there is no reason they need to call me when the first payment isn't due until XX/XX/2019 and why they feel they need to call my phone at XXXX in the morning, I attached two screenshots of the incoming call from their XXXX number calling at XXXX the company is Middland Credit Management
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes.

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since XXXX I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.
Product: Credit reporting or other personal consumer reports

I am in the process of buying a property for my and my family. The only issue I have holding me back is my XXXX XXXX / XXXX account. I have paid off my account in XX/XX/year> & since then the account has never updated properly. It shows my credit line is suspended & it continues reporting a maxed out balance. This is severely hurting my utilization which in turn its preventing me from qualifying for a mortgage. I have called numerous times as well as communicated via email with XXXX. Every response verbal or via email has been re-assuring that the issue will be corrected but after 4 months nothing has been updated properly.
Product: Checking or savings account

I opened a checking account with BBVA Compass on XX/XX/2018 with the offer Get {$200.00} when you open a new qualifying checking account and receive a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. I have regular direct deposit of {$500.00} and the first direct deposit was within 60 days of account opening. However, the bonus was never posted. For the past month, I called them twice. Both times the agent told me I was qualified and promised the bonus should be posted soon and will have their manager call me back within 24-48 hours. But the bonus was never posted and I never receive any call from them. I never met such bad customer service with any other bank. Every call wasted me more than half an hour waiting to be connected and then waiting the agent to verify. They gave promise which they never fulfill!
Product: Debt collection

I was contacted by the collection company XXXX XXXX in early XX/XX/XXXX. This same company contacted my daughter 's phone and left a voice message as well as my husband 's phone and left a voice message. In returning the call to XXXX XXXX  they advised they were working on behalf of the payday company Speedy Cash to collect a debt. During this call I was threatened with court proceedings if I did not pay the total of {$2000.00}. Since the collection company knew about the Speedy Cash charge off and had the account number I went forward with providing payment arrangements. I spoke with XXXX XXXX and authorized for a payment arrangement for {$100.00} a month for the months of ( XXXX, XXXX, XXXX of XXXX ) {$150.00} for the months of ( XXXX - XX/XX/XXXX ) and the balance of {$1000.00} I could call back in XXXX to set up more arrangements for payment since the system only could go as far as XXXX on smaller payments. XX/XX/XXXX I called XXXX  to advise I was laid off and needed to skip the month of XXXX and pay in XXXX as I was laid off. I was again threatened with court proceedings and the representative hung up on me. I emailed the company stating I will not work with them by phone or email if they are unreasonable with me. I called back a few days letter and was able to set the arrangements up as I requested. This is when I began to not understand why this company was so harsh with me. I emailed and requested the company 's physical address and did not receive a response. I then called the company and asked for the physical address and was questioned as to why I needed their address. The representative placed me on hold and several minutes later came back and gave me a XXXX XXXX XXXX. I asked the representative to please mail me a letter of the debt on a letter head and he explained they do not mail correspondence letters and they only communicate by email and phone. He provided me the mailing address of po box XXXX, XXXX Florida XXXX. I searched this address and did not come back with this being the address of XXXX XXXX. With the information I have gathered I am reporting this company as they are not following the laws mandated by FDCPA section 805 with regards to collection of a debt.
Product: Debt collection

Hello I have sent PayPal all conversations and a video conversation that the person I sold my XXXX account to did receive the product, however PayPal favored in his side and now charging me the {$770.00} and wont give me the banking info or any other info to me I have all the records showing this person ended me a fraud and a scammer and I do not owe the money to Paypal