23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX XXXX Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my XXXX account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( XXXX ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX Card account # XXXX ) to cover the payment with XXXX 3. My bank account ( XXXX Card Card ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with XXXX on my credit report ( XXXX Equifax/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( XXXX ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX Equifax/ XXXX ). 
Enclosed are copies of XXXX payment conformation/ statements, and my bank XXXX transaction history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX Enclosures : XXXX statement XXXX payment conformation XXXX dispute letter XXXX XXXX XXXX transaction history Dispute letter with Equifax Dispute letter with XXXX Dispute letter with XXXX
Product: Checking or savings account

My Advance Plus Checking account with Bank of America was penalized for charges that were made to my account at a time where there was a low balance. It was due to subscription fees that did not total over {$10.00}, which then caused me to incur 6 individual NSF fees of {$35.00} on top of the overdrafted amounts in my account from XXXX. I immediately contacted Bank of America to explain to them that I had no knowledge of why I was being charged those fees at that time since I expected them at a later date. Bank of America refused to extend any leniency to my situation and now I am out over {$200.00} due to just NSF fees alone. This is theft and should not be allowed as a standard practice for corporate financial institutions to prey on the poor.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection Act ( CFPA ). Specifically, Cash App failed to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts being reported on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed i hae fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX XXXX : XXXX To whom it may concern : On XXXX XXXX, I sent a certified letter to Barclay 's about this account.This certified letter was signed for on XXXX XXXX. This letter advised them that the account was discharged in bankruptcy and that they had illegally sold this account to a collection agency. I called Barclays on XX/XX/2020. Barclays responded by telephone that this account had been sold to a company call Unifund. I contacted XXXX, and was advised by them, that they do not own the the stated account. I have also disputed this account through XXXX   and XXXX, and it comes back as verified and correctly reporting. 

Who owns this account?
Product: Credit reporting or other personal consumer reports

XXXX XXXX account is still on my credit report and was opened in 2017 under FCRA guidelines account should be removed after 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

So Ive been trying to grow my credit score and As of about 1 month ago JEFFERSON CAPITAL SYSTEMS started reporting negative remarks. I had no idea who or what this was. Turns out someone opened up an account with XXXX XXXX  on XX/XX/2021. They say I owe {$750.00}. This wasnt me. Ive had XXXX phone lines open with XXXX XXXX for almost 2 years. My phones are almost paid off. I dont miss my payments. Why would I go to a company like XXXX XXXX  anyway. Trash service. I called JCS and the guy clearly was foreign and I couldnt understand his name but he asked for my social security number over the phone. I told him I wouldnt do that and he insisted this. I NEVER opened this account! Ive disputed this twice with my credit account and they just updated my info. This is absurd. All I have to do is prove my location compared to where this was purchased or where was the money coming from? I know it didnt come from my account for sure. I need this removed from my credit account ASAP. Stop all debt collection!
Product: Debt collection

I dispute and demand the immediate removal of fraudulent items from my credit report. This misinformation is from inaccurate, incomplete, or unverifiable reporting. 
Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was called on my cell number by Capital Accounts and they did not verify my identity, simply asked if I was by my first name and then when I said yes told me they were collecting a debt. I told them not to call me on any phone and they told me they would keep calling me until I requested a cease in writing. They then called me at my workplace and I told them to stop calling me and once again they refused and once again they failed to properly identify me before talking to me about debts. They then called me at my workplace again, which is a clear violation of my rights. I told them I disputed the debt and they refused to take the dispute verbally and also did not verify who I was before speaking of the debt yet again. They are harassing me for no reason and have violated my rights on multiple occasions.
Product: Checking or savings account

I opened a savings account with Citi Bank. I transferred {$10000.00} into the account from my XXXX checking account. The deposit was made immediately and a few days later the funds were available for use by Citi Bank. I attempted to transfer online {$5000.00} back into the XXXX account where the money originally came from and the system would not let me and told me to call Citibank. I called Citibank and was told I would need my ATM card and PIN number to transfer money. The ATM card is in the email and had not arrived yet. 

I then went back into the online system and tried to transfer {$1000.00} back into the same XXXX savings account where the money came from and the system allowed me to. So I made four more {$1000.00} dollar transfers, for a total of {$5000.00} in online transfers, all back into the same XXXX account the money came from. 

On XX/XX/2023, Citi Bank closed my savings account for fraud. I called them, spoke with a supervisor and was told there was nothing they could do for me. Told me they would mail my balance to the address on record in 60 days. I asked to speak with higher level supervisor and was told goodbye and they hung up. 

This entire thing is ridiculous. Close the account, fine but to hold my money XXXX is beyond the pale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX  is fraudulently reporting a 20 plus year old account as if it is new. 

I disputed this account with XXXX XXXX  in XXXX and it is not valid. They sent it to collection in XXXX. I have had no communication with them since XXXX. In their response to my last dispute with Experian they falsely claimed that the account was current in XXXX at which point there was a late payment. Again this is a blatant lie I have had no communication with them since XXXX. In fact this item naturally expired from my Experian report in XXXX or XXXX to the best of my recollection. 

I have made repeated calls to Experian and they refuse to correct this. They are accepting the lie told to them by XXXXXXXX XXXX and telling me that I HAVE TO PROVIDE PROOF. As I said my last communication with XXXXXXXX XXXX was more than 25 year ago! Obviously I don't have those records any longer. 

Also : In my last dispute of Experian to the CFPB ( XXXX ) Experian replied thusly : " This complaint meets the criteria of a credit repair organization ; it either has the same email address for multiple consumers, the same naming convention or similar narrative in the attachments or it has the same and/or similar narrative as 20 plus other complaints within a 45 day period. '' Here Experian is deliberately misleading the CFPB. I am not a credit repair organization. I am XXXX XXXX XXXX, an individual consumer. I am using a single email address, XXXX. This is my personal email address. As far as their claim of a similar narrative, well that seems like an admission of guilt to me. Perhaps they should start obeying the law and ignoring similar complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in 1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.
Product: Credit card

Subject : Urgent Complaint Regarding Account Closure and Negative Impact on Credit Reports Dear Capital One Customer Service, I am writing to express my deep dissatisfaction with the recent closure of my credit card accounts with Capital One, which I have held for over 20 years. As a loyal and long-standing customer, I have always valued the services provided by Capital One , but recent events have left me extremely disappointed and frustrated. 

The reason for the closure of my accounts, as I understand it, stems from a series of inadvertent errors in my payment process. On multiple occasions, payments were incorrectly made from my Capital One checking account, despite my intention to use my XXXX XXXX bank account for transactions. As soon as I became aware of these errors, I promptly rectified the situation by making payments from the correct account. 

However, to my astonishment, I received no prior notice or warning from Capital One regarding the potential consequences of these payment errors. Instead, I was informed that my credit card accounts had been summarily closed, without any opportunity to address the issue or rectify the situation. This unilateral action has had severe repercussions on my financial standing, leading to negative impacts on my credit reports and causing unnecessary distress and inconvenience. 

As a valued customer with a long history of responsible financial management, I am deeply troubled by the lack of communication and the disproportionate response from Capital One. I have always maintained a positive relationship with your institution and have never encountered such drastic measures for unintentional errors in the past. 

Therefore, I urge you to reconsider your decision and kindly request the immediate reopening of my credit card accounts. I am committed to resolving any outstanding issues and ensuring that such errors do not recur in the future. I trust that Capital One will recognize the importance of customer loyalty and extend the courtesy of reinstating my accounts without further delay. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigation my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA.

Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Money transfer, virtual currency, or money service

I was XXXX XXXX XXXX for {$700.00} XX/XX/year>. I provide them the police report and everything they still denied my request
Product: Credit reporting

Check credit report XXXX 2016 all inquiries deleted. Check credit inquiries returned score went down. Never received notice of change.
Product: Bank account or service

my bank has extended the time frame to pay my mortgage to 5 days ..it used to be 1-2 days.. i asked them to explain. they told me the mortgage bank accepts only checks. in fact they told me this twice which is a lie. a banker from my bank called the mortgage bank and clarified that no changes were made regarding my payment, with me as third party witness.. now my bank says the mortgage company sets the conditions for payments online. this month my 900.00 plus payment was taken out of my account on the XXXX to reach the mortgage bank on the XXXX.. this is a 9 day hold. and yet my other bank payments are only a 2 day hold. there is something going on that seems off. i was told to just have my mortgage company deduct the amount from my account every month. this is not acceptable and they wo n't even admit i have been lied to. i want to know why only this account is affected. what do they gain? an extra few days to float my XXXX $ to their advantage. this seems like a way to scam customers..
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Product: Debt collection

I contacted XXXX regarding a debt listed on my credit report from XXXX. XXXX gave me the phone number to contact XXXX XXXX XXXX at XXXX. I indicated I wanted validation and verification of the debt they were attempting to collect. XXXX gave me the number for Foster & Garbus to contact regarding the debt. The gentleman I spoke to not once listened to the reason for my call and was very rude. after 5 minutes he finally listened. I told him I need validation and verification before I could resolve the debt to make sure that company was legitimately accurate to speak about my personal business. He then gave me the number to speak to Compliance at XXXX. The woman on the phone said that was not the correct department to speak with to get validation. She transferred me to a gentleman who was very argumentative and refused to take my new address to send the validation response. I also notified him that If they were legitimate then I would like to settle the account. He then told me, " No settlement, and I need payment in full. I asked him if he is refusing to settle my account, he said I can not. This business has poor customer service and are very argumentized. I wanted information and a written agreement when I do settle the account accurately and they told me about no information in writing. Therefore, they are refusing to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report under the Fair Credit Reporting Act ( FCRA ), referencing 15 USC 1681 EB. Despite a previous reinvestigation, the disputed items remain unresolved. 

I request another thorough review of the items listed below : 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 XXXX XXXX XXXX I urge compliance with FCRA regulations and prompt removal or correction of any inaccuracies found. Enclosed are documents supporting my claims. 

Please acknowledge receipt of this letter and inform me of the next steps. Your swift attention to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : fcra violations XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX Resident type Single family remove it and see attachments : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Collection account. {$4600.00} past due as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have had multiple issues with Coinbase , Inc . Freezing my funds and demanding payment for transactions that have already settled. In addition, Coinbase hase made several ACH withdrawals from my bank account that do not match any of the transactions I have had with the site. 

I have submitted 3 support tickets and contacted customer service on two occasions. 

My account was settled back to {$0.00} balance after escalating and speaking with an account specialist. After logging in two weeks later the company has frozen my account and demands {$6800.00} for transactions that were previously settled. 

I have recently had fraud on other credit cards not associated with my Coinbase account. One charge on XX/XX/XXXX was for a XXXX, where someone ran a background check on myself and was able to access scores of personal information that could be used to gain access my Coinbase account. 

All of the incidents with Coinbase mentioned above happened after the XXXX fraudulent charge. 

I submitted another support ticket but never get resolution for these issues. Coinbase has been unscrupulously handling ACH withdrawals, Credit Card withdrawals and now are demanding funds that were either settled or fraudulently charged based on the facts that i have gathered. 

I am seeking immediate resolution to clear the negative balance and regain access to my account. Coinbase has been dismissive and unresponsive to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX