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

In XX/XX/2020 CONNS reported tree late payments ( XXXX, XXXX and XX/XX/2020 ) then my credit score decreased by 27 ponts. On XX/XX/XXXX I got an e-mail statig that the problem was corrected, which was true. On XX/XX/XXXX I got a credit credit issue alert through a XXXX  credit monitoring services about late reporting from one of my creditors, when I checked it, I found that CONNS has re reported late again the previously corrected issue.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report that I did not authorize. This information breaches 15 USC 1681c-2, and I request their removal to prevent further harm to my credit.
Product: Credit card

refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy ADA options for someone who is XXXX, struggling with XXXX XXXX XXXX XXXX and who also fall under protected class. Each of the business expects a person with bad health to spend countless hours with each of them and I barely have the ability to live, barely can move some days and yet when I am able to call I am verbally attacked. I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my car since I was denied many loans or if my credit card does work is when I have access to wifi. it would be great if some company allowed me to live and focus on my health. you can stop sending mail as I can barely move and going to a mailbox isn't top priority my life is. thanks similar letter was mailed to social security, illinois, VA, and 3 credit bureaus also this company refused to allow me to update my data when it was clear that my someone was trying to steal my identity. my only options to prevent further fraud was to just close the account as they are a hassle and my health can not take dealing with non life threatening task.
Product: Debt collection

I am writing to notify you the reporting and compliance on this account ( s ) that is being reported on my credit report contains incorrect/inaccurate info. I am exercising my right under section 623 of the FCRA made available under FACTA 312 to have this inaccurate reporting investigated, not just send me a statement, but a true investigation of my concerns. To date, you are out of compliance and the accuracy and integrity of the information you are reporting highly inaccurate. As you already know the FCRA/FACTA 312 requires certain type of data audits and testing techniques to stay compliant and according to my records your is not since the data being reported is not 100 % accurate. As of this moment I am demanding that all collection activity, which includes reporting, to the cease immediately or you will be violating my rights per Section 623 ( a ) ( 3 ). Any update, other than REMOVAL, after this formal certified and dated notice of your inaccurate reporting/updates to my credit file will be considered deformation and fraud punishable by law under the FCRA and FCBA.

[ As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and proof of accuracy ] To date, I have notified your company and the credit bureaus of this and plan to hold both of you liable for ignoring my notifications as this item is still showing after I have demanded immediate removal since this inaccurately false information has been brought to your attention in my dispute to the CRA which you verified!! 
Your improper procedures are highly damaging to my credit score as I am sure you are aware of and can not be handled until you stop ignoring my request for proof of fairness, 100 % accuracy, timely, and compliance according the all consumer protection laws. 

My attorney and I will be awaiting your response within 15 days. If sufficient verification and proof of a full investigation of the accuracy of this alleged debt as listed above is not provided my next letter to you will be my intent to sue if it is still listed on my report after my notice.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Money transfer, virtual currency, or money service

My employer was sending a wire to me in the XXXX XXXX XXXX {$15000.00}. He was using his business account with Chase Bank. The money was taken out of the account but was never recieved here in the XXXX XXXX. I got all of the wiring details and the recieving bank here could see that the wire was never completed, they didnt recieve any money. All Chase is saying is that they sent the money but have no evidence that it was sent at all. I had 2 different bank managers from different banks look up the information chase gave me and they both said that the money has not been delivered to the XXXX XXXX. Chase of course is saying that they did their job and to basically leave them alone.
Product: Credit reporting or other personal consumer reports

late payment is incorrectly reported, in accordance with 15 U.S.C. 1681s2 I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : XXXX XXXX : XXXX
Product: Debt collection

- Received a collection notice from Advanced Recovery Systems ( ARS ) on XX/XX/year>. 
- Contacted by phone on XX/XX/year>. Agent did not identify herself as a debt collector. 
- Received another letter from ARS on XX/XX/year>, stating proof of debt owed. A blank signature form was attached as evidence. 
- My brother was contacted by phone on XX/XX/year>. Again, the agent did not identify herself as a debt collector. 
- On XX/XX/year>, I sent a letter to ARS by certified mail requesting that they cease contact with myself and family members. 
- On XX/XX/year>, received a letter from ARS stating that they had not heard from me and that they will act accordingly.
Product: Checking or savings account

I sent a wire from my account at XXXX XXXX XXXX XXXX to my Chase account for {$2000.00} and Chase rejected the wire and instead of sending it back to the original account at XXXX XXXX XXXX XXXX, Chase chose to re create the transaction generating a new reference number that placed the money in limbo. After 3 to 6 hour wait times and multiple dropped calls and poor phone quality Chase continued to ignore this very disturbing issue and kept repeating that they " sent the money back '' which XXXX XXXX XXXX XXXX has yet to see. They actually told XXXX XXXX XXXX XXXX this also. This type of matter is considered reckless for a financial institution this large to make these kind of mistakes. I just want this resolved or escalated to someone that has a bit more understanding of how scary this would be to any customer trusting Chase to handle money digitally.
Product: Debt collection

XXXXXXXX XXXX XXXX -no action taken XXXX XXXX XXXX XXXX  handed collection over to Law Office of Brett M Borland , P.C . located in XXXX, Georgia and I am being sued in a state where I have never lived and I did not sign for this debt in the state of Georgia!
Product: Money transfer, virtual currency, or money service

From CashApp-XXXX XXXX, Were reaching out to help us gain a better understanding of some recent activity on your account. 
On XX/XX/XXXX, you sent a payment for the amount of {$12.00}, with " XXXX '' in the subject line. 

Please reply to this email with information detailing the purpose of the payment, including an explanation of what was being paid for with this transaction and your relationship to the recipient. Once we have received the requested information, you will hear back from us within 1-2 business days.

Cash App has a policy to comply with U.S. laws regarding economic sanctions. Engaging in transactions that involve jurisdictions sanctioned by the United States, or engaging in any other activity that violates U.S. sanctions is prohibited under Cash App 's General Terms of Service. 

Please note that failure to respond to this email in XXXX days will result in adverse action being taken against your account. 

Thank you in advance for your response. 
Regards, XXXX Cash App XXXX ref :! XXXX. ! XXXX : ref From Me : XXXX XXXX Fri, XX/XX/XXXX, XXXX ( XXXX days ago ) I did send {$12.00} to XXXX XXXX XXXX I DID NOT RECEIVE AND EMAIL FROM YOU UNTIL TODAY. THIS EMAIL IS THE ONLY ONE YOU HAVE SENT TO ME. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX ( XXXX days ago ) to Cash From CashApp : Cash App Support XX/XX/XXXX, XXXX ( XXXX  days ago ) to me Hello XXXX, Thank you for providing information regarding your recent transaction. As a reminder, Cash App has a policy to comply with U.S. laws regarding economic sanctions. Engaging in prohibited transactions on our platform that involve jurisdictions sanctioned by the United States or engaging in other activities that violate U.S. sanctions are prohibited under Squares General Terms of Service.

In order for us to conclude our investigation, we need more clarity regarding your payment on XX/XX/XXXX for {$12.00}. Please provide us with additional information on the purpose of using XXXX in the subject line. 

Please note that failure to respond to this email in XXXX days will result in adverse action being taken against your account. 

Thank you, From Me : XXXX stands for XXXX XXXX XXXX Her brother passed away and we all chipped in {$12.00} each to buy her a sympathy gift.
Product: Debt collection

Dear Portfolio Recovery. 

I trust this correspondence finds you in good health. My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute certain information on my credit report. 

In light of my earnest preparations to embark on the significant milestone of homeownership, I conducted a thorough review of my credit report. Unfortunately, the examination revealed inaccuracies in the reporting of the following account # XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

I am a victim of check fraud amounting to {$10000.00} being stolen from my checking account. I submitted a claim to US Bank and they denied it stating that I failed to secure my checks. This claim is false and based on zero evidence of such neglect on my part. I resubmitted the claim to appeal their decision, stating that these checks were destroyed back in 2017. This second claim was also denied. 

Checks were created and cashed with XXXX in the memo, and a signature that does not resemble my signature whatsoever. 11 checks in total were forged, and completely depleted my checking account. 

Checks with dates and amounts are as follows : XXXX {$250.00} | XXXX {$49.00} | XXXX XXXX XXXX XXXX {$49.00} | XXXX {$250.00} | XXXX {$4000.00} | XXXX {$49.00} | XXXX {$250.00} | XXXX {$5000.00} | XXXX {$5000.00} ( This check bounced ) | XXXX {$49.00}.
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 an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Student loan

I spoke with a representative on XXXX XXXX, 2016 about canceling a payment that had been previously set up as the funds were not available. She advised me to put the payment on a credit card and I told her I was unwilling to do that, she the proceeded to tell me what credit card options I had available to me. I never authorized for my credit to be pulled or looked at by the representative. 

While I owe over XXXX in student loans, ( over XXXX in interest and fees ) I have attempted to reach out to the company about trying to make some sort of payment, and while they have offered reduced payments to me they are still over {$650.00} a month which is unaffordable to me. The agent I spoke with informed me that since I had credit card availability and would not use it I did have the means available to me to pay and I simply refused to pay. The was berating and abusive.
Product: Debt collection

This company below has been constantly threating and calling me as well as sending me 2 day XXXX envelopes for the past 6 months stating that they will sue me for an old credit card debt. 
They harass me every single day From XXXX-XXXX leaving messages on my phone, work and relatives numbers and even though I have spoken to them on several occasions telling them I can not make any payments on this old debt. Especially now with covid-19 and money. They still continue to harass me. 
I went online to check out what other people have been reviewing and it is horrible. 
I would like for someone to please contact them and tell them to please stop harassing! 

Company Name : Midland Credit Management Website :  www.midlandcreditonline.com
Product: Mortgage

I paid off my mortgage on XX/XX/2020. Dovenmuehle issued an escrow check to me for an overpayment of {$2800.00}. I never received the check. I have called repeatedly asking for them to reissue my check and they have taken no action. I have called a dozen times seeking to get a resolution and no one is available to help. It's been a miserable experience. I need someone to help me. This is totally unfair. They have my money and I can't seem to get them to send it to me despite calling every day.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  & XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a  ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX  & XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hard unauthorized inquiries on my report that needs to be deleted from Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX Trans Union XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I talked to someone from Customer Service and they didn't want to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this account and inquires experian tells me it came back verified and haven't seen any proof of validation just there word and a computer response i have called XXXX XXXX  and they told me to talk to Original creditor XXXX XXXX XXXX i did call them and they have nothing showing i owe anything this needs to be removed ASAP experian did remove it once then sent me a letter like 60 days after they removed it saying it was getting put back on Account name XXXX XXXX Account number XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report as they were not done by me and affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Checked my credit like I always and looked and seen that there was inquiries on my credit that I didn't authorize so I emailed the company and they said I gave the permission through a phone conversation that I never had with them I have fraud alert on my consumers report for reason like this because I know somebody used my identity and it wasn't me
Product: Prepaid card

On XX/XX/year> I tried to use gift cards with the XXXX website in order to make a purchase. Before the purchase I did e-mail the company and they responded that they would be more than happy to take XXXX gift card in order to split the order. However when I called them the next day, the customer representative told me they would not take my American Express gift cards. 

I have also tried to spend my XXXX gift cards on XXXX by trying to " reload '' a digital gift card, however XXXX will not take these gift cards as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. LVNV TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY XXXX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive submitted several police reports due to being a victim of identity theft since 2019 ive submitted ftc reports ive also recently gone to the attorney general all in regard to expressing my federally protected consumer rights in which transunion has refused to honor there are several fraudulent inquiries on my credit report in which all information reported must be accurate per fcra section 609 this violates 15usc 1681 and 1692g as of immidiate im pursuing legal compensation from the credit reporting agency for these violations and this will serve as record of my several attempts to rectify this matter
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX