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

I have had Macy 's department credit card for several years. In the XXXX and XXXX timeframes, Macy 's dept. store credit card transferred to an XXXX XXXX Credit Card, without consumer 's knowledge that they were changed the Card Accounts entirely. Meaning, I was paying a dept. store credit card for a few months, but the transfer to the XXXX card was not getting paid. However, I had no ability, notice, or information that MACY 's company new XXXX wasn't being paid. 

First, consumer did not ask for an Macy 's XXXX card. 

Second, I was paying the dept. store credit card as I had been paying in the past months. 

Third, approximately XXXX/XXXX XXXX, I contacted Macy 's realizing this situation of payment confusion from dept. store credit card to XXXX card and vehemently asked the Macy 's rep to ensure that my payment and any late payments be fixed. Since the Rep pointed out the problem that Macy 's transferring billing from store CC to XXXX card, it is not a consumer issue of payments. He credited account at that time and I paid remaining balance in full. 

Today, the credit bureau is showing " one '' late payment which was not a late payment due to Macy 's negligence/lack of duty regarding new XXXX CC 's. I disputed this issue with both Macy 's and XXXX  without resolution or a fix to Macy 's negligent duties. 

Please assist me is this matter.
Product: Money transfer, virtual currency, or money service

CashApp has been holding funds in my account from a hotel stay since XX/XX/year>. After contacting the hotel for a final folio, and providing that information to CashApp, I was told by a representative, who refused to provide his name, that the hotel did not finalize their transaction. This is false and misleading information provided to CashApp cardholders. They claim it takes up to 30 days to finalize pending transaction. I believe CashApp is using fraudulent practices to hold funds on account holders accounts.

In addition, I signed up for CashApps direct deposit and they are holding funds released a government agency to my account, claiming that the government agency has not yet released funds, which is false. 

I have attached documentation to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to job loss, my husband and I were unable to pay our credit card minimum balances. My husband was recently hired for new job and we were able to get current on our cards. We asked that the late payments be removed and that the credit card be updated to " Paid As Agreed '' on our credit reports. They declined to help us due to the Fair Credit Reporting Act. However, only five years ago, we went through similar hardship, made a similar request, and it was granted. We want the late payments removed from his credit report as well as the accounts to be updated to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX is showing different ratings on the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

After Hurricane IAN devastated XXXX, my mortgage company Cross Country Mortgage Inc. offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by Cross Country Loss Mitigation that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my XXXX score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given. 

I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet. 

This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me. 

Kind Regards
Product: Debt collection

ENHANCED RECOVERY COMPANY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

Yes I opened a us Bank account for my small business. I had heard someone to keep track of business funding so I added them to the account well they set up direct deposit through XXXX  on their own and then when I asked them to provide proof of hours work they still made sure that deposit went through of over XXXX  bucks. I contacted the bank US Bank and was pretty much told it doesn't matter they couldn't help me. I feel like due to this they unjustly shut my account down which now I owe them money. I don't see how this is a fair practice for a bank to close your account after you report to them that the direct deposit was fraudulently made. As you can see with this attachment I contacted US Bank on this matter and this is their response
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX  ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX  XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.
Product: Checking or savings account

Please refer my previous complaint # XXXX. 
It was : -- -- -- -- - I had opened a Checking account with BB & T last month. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. 
-- -- -- -- -- -- I am not satisfied with the response of BB & T after CFPB intervention. 
My access is blocked. 
I tried calling them but it's a long wait and confusing menu. 
Ideally they should have provided the direct number to reach out to them. 
With my full time job, preexisting conditions during pandemic - I can not think of going to their branch and risk my life. 

So i would l like my account to be closed and all the money being sent to me by check or money order. 
I just don't want to deal with this bank anymore.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. XXXX, XXXX, and transunion must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.
Product: Credit card or prepaid card

I contacted Capital One on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.

I also informed Capital One that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is/was found, including but not limited to late payments, on any of my credit reports by their company, I will not hesitate in bringing legal action against them for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent.

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ). I have over 60 exhibits with 5 ( + ) violations on them a piece. They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance for XXXX XXXX
Product: Debt collection

On or about XX/XX/2023 I received written notice from The CBE Group , Inc. informing me that I have a debt of {$43.00}. The reported debt originated from the Department of Veterrans Affairs. On XX/XX/2023, I contacted The CBE Group , Inc. to dispute this debt. I do not believe this organization will accept my dispute by telephone. 

This debt is not mine, possibly my deceased father 's who has a similar name, but the debt is not mine. I have dealt with debt collectors in the past who have tried to pass off my father 's debts to me. 

I am a veteran and do owe the Veterans Affairs but I have been making payments in the amount of {$10.00} per month on a debt of {$260.00} +/- with no difficulty or The VA seeking other arrangments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains many errors. 
I request your investigation of the following " personal information ''. 
Please see the attached photo copy of my drivers license for your reference. 
For the record : 1. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

As of XXXX  XX/XX/XXXX, Capital One is not honoring any direct deposit or access to scheduled paychecks. No direct deposits are being allowed with NO explanation. As of XX/XX/XXXX still no paycheck and now not giving ANY time frame. Can not pay my bills, have no access to my paycheck issues by my job. No information provided by bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 Onemain Financial, by XXXX on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and Experian is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to Experian is $ XXXX.You XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
Product: Debt collection

Dear XXXX XXXX XXXX, XXXX I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter. 

I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, Synchronic Bank. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation. 

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have. 

Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved. 

Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of Synchronic Bank. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt. 

Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place. 

I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA. 

Thank you for your understanding and cooperation.
Product: Debt collection

There was an spotloan account opened underr my personal identification. I have never intitiated an account with spotloan and XXXX keeps trying to force me to pay on an account that was opened in my name but it isn't mine. I don't have a XXXX account. Nor have i had one and got a spotloan account. I never requested a loan from spotloan. XXXX bought a account from spotloan. XXXX can contact XXXX   if they want but i never opened a account and requested a spotloan. This needs to be removed immediately. XXXX will not tall ro me about a non existent account. Feel free to contact XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$330.00}