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

I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 about my credit report and I have not heard anything back. I don't understand how the bureaus can break law and do anything they want. It has been over 40 days and still have no response from them. They have 30 days to respond. This outrageous. Doesn't make any sense.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and XXXX  have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to COMENITYBANK/VICTORIA XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITY BANK 's customer service representative.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Credit reporting or other personal consumer reports

XXXX reported a personal loan that was not representative of the contract I signed. The vendor never addressed the issues I had with not honoring the contract. XXXX allowed me to to dispute the charges. I not only disputed the charges but also the contract because it was not honored and I constantly had to use personal, physical credit cards in person for various transactions. Certain vendors required physical credit cards and refused to charge the XXXX associated credit card. The vendor was very resistant to removing charges. Experian was resistant to even investigating my concerns which I proved. Once I received a letter from XXXX canceling the debt, Experian continued to report the account negatively and as open even with a letter from the company. Experian even wrongfully added interest to an account that XXXX canceled.
Product: Mortgage

I am filing a complaint against National Bank of Arizona and Loan Originator XXXX XXXX ( NMLS # XXXX ) regarding a fraudulent loan denial letter issued on XX/XX/year> in connection with the sale of my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Parties : XXXX XXXX ( Sellers Realtor agent ) ( XXXX ) XXXX XXXX XXXX XXXX ( Loan XXXX at National Bank of Arizona XXXX lender ) ( XXXX ) XXXX XXXX XXXX XXXX ( Buyers Realtor agent ) ( XXXX ) XXXX - XXXX XXXX XXXX ( Branch XXXX at XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX at XXXX Title ) ( XXXX ) XXXX - XXXX Key Facts : On XX/XX/year>, both XXXX XXXX and XXXX XXXX were informed by the buyers that they would withdraw from the contract if National Bank of Arizona could not complete their loan approval by end-of-day. 
The buyer terminated the contract on XX/XX/year>, XXXX days before the lender issued the loan denial letter. 
Upon cancellation of the contract, XXXX XXXX verbally told XXXX XXXX that he had requested a loan denial form. 
Throughout the transaction, XXXX XXXX and XXXX XXXX repeatedly stated the buyers were highly qualified. 
The loan denial form was issued on XX/XX/year>, XXXX days after the buyers had already withdrawn from the contract. 
The loan denial letter was not signed by any authorized representative, further calling its validity into question. Instead, it was issued by XXXX XXXX ( XXXX XXXX ), rather than underwriting or a loan processor. 
The loan denial form was not sent to anybody except XXXX XXXX and/or XXXX XXXX. XXXX XXXX never received the loan denial after multiple asks to XXXX. 
After issuing the Loan Denial form, XXXX XXXX stopped responding to XXXX XXXX in their originally established means of communication such as text, phone, and email. 
The title company has described the situation and supporting documents as highly questionable. 
The lender has refused to provide documentation explaining why the loan denial was issued after contract termination or confirming that standard underwriting procedures were followed.
Product: Credit card

They closed my credit card without any previous notice, So my card have XXXX points they even doesnt let me get this points they told me you should have at least XXXX points, all I need my points back because you the one who closed my account without any permission, the points never expired but you badly closed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to obtain funding for a real estate need, I was turned down because of information shared by XXXX with the potential Creditor. I obtained a copy of my Credit Report and discovered that XXXX is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's XXXX XXXX is incomplete, incorrect, unauthorized, it must be deleted upon the request of the XXXX. 

The errors ranged from : XXXX incorrect SS # XXXX XXXX XXXX XXXX  ). mine is XXXX. 
XXXX incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called XXXX about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have XXXX show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. XXXX collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as NOT MINE and as Identity Theft from my consumer report.
Product: Prepaid card

I have been having issues regarding my prepaid card that came from XXXX. 
When I was originally given this as a gift ( the receipt was thrown away ) from a relative on XX/XX/2017, I have never had this problem when it comes to accessing the website. 
I went to XXXX ( where the card is from ) and signed up and registered my card as followed their instructions. Since then, however, I can not access the website at all ( logging in or making a new account ). 
You log in to check your card information on the website by using the 16 digit card number on the front and then confirm the security code on the back in order to successfully log in. 
When I tried this again after registering, however, I got the error : " We are unable to process this request. Please call the phone number on the back of your card for additional assistance. '' So I have called them ( three times ), and each time no success. According to the customer service, I still have money in my balance ( {$50.00} ) and I am registered, but can not login whatsoever and they did not understand why. My recent call told me that they could not do anything to fix my situation unless I requested to " escalate the situation '' with their " offline team '' ( which they did not give me their contact information because they said they can not due to regulations ). 
This is a huge problem because I can not use my card whatsoever or the funds for purchasing. Even though it is registered, I can not use my card for anything because of what I believed was a " login '' issue but it could be fraud/scam or possibly something of that nature. 
I have had this problem for over two weeks and multiple calls to no avail. I wanted to file this complaint because of this issue that prevents the usage of my card that may be a much more serious issue but I do not know because I am getting little to no information from them that could help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXXXXXX XXXXx XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/ SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : THESE NAMES DO NOT BELONG TO ME Names Select as many as apply XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX Addresses THESE ADDRES DO NOT BELONG TO ME PLEASE REMOVE XXXX XXXX XXXXXXXX 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XX/XX/ SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 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 or other personal consumer reports

I cancelled several credit cards over the past XXXX years because they changed the rewards programs. Now whenever I apply for a new card they exclude me from all new account promotions. This is XXXX, XXXX and American Express. This has been going on for XXXX years and includes cards that I have never owned. My credit rating is over XXXX for over XXXX straight years. It appears that I have been blackball across the entire industry. This can not be legal. For instance, I had an American express XXXX 's card for 40 years which I closed several months ago because they were purchased by XXXX and the changed the terms of the rewards making it virtually impossible to use their points. I never owned a Hilton credit card and applied for one today and they excluded me from their promotional offer and did not offer me an explanation. I would like a credit card with hotel rewards and have never done business with Hilton although It is sponsored by American Express and I did cancel their XXXX card 3 months ago after 40 years and never missing a payment. They have no appropriate reason to exclude me from a publicly advertised promotion. The same issue came up with XXXX XXXX 9 months ago where they switched my XXXX XXXX to a Thank you card and now exclude me from all promotions even thought both companies emailed me invitations to apply for their cards with new account promotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not given me any of the supporting docs they said they would. And have not properly investigated the matter at hand. It has been over 90 days and still no proof.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt or credit management

I needed to dispute a collection so I went to their website, but I kept getting errors. So I called their call center and I realized that they hired a company and they have no access to fix any problem. They are there to just answer the phone. They can't talk to anyone who fixes the website or investigates a dispute. 
A collection agency that held my account said, they updated my information on the XXXX of XXXX, 2024, but when I called Transunion, an agent from TransUnion said, my collection agency didn't update my information. I don't know who is lying and who is telling the truth. 
Also, I don't understand the system and why millions of us rely on them for investigation and decisions. If people pay off their debt, it should be all over without any hassle. But because there are credit bureaus, people have to wait for a second opinion for no reason. 

I feel like I get treated no better than those who don't pay their debt at all. My credit is going to be still bad for a long time no matter whether I paid or not just because the credit bureaus dont allow me to upload my document and they will go through their own investigation. 

When what kind of investigation takes XXXX days? They are not investigating something extreme cases. They just call the collection agency and ask if the balance has been paid or not. 

I wanted to talk with a supervisor or XXXX. The agent said, the supervisor will call me back so I waited all day doing nothing. There was no call. 

I feel like there is no way to dispute my collection after I paid {$4800.00}. They say I can mail my letter from my collection agency but what if it gets lost? And we live in 2024 and everyone has a phone. If I sent an email to them, it's almost instant. For some reason, they won't let me email my letter. 

All I want is for them to take off the collection, that has been paid and closed, from my history.
Product: Credit reporting or other personal consumer reports

Credit collections is trying to collect a debt that I do not know about, and have no knowledge of.They have been harassing me and I do not owe this debt. 
According to 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all calls. I am NOT RESPONSIBLE for the following debts that I have been getting harassed about. I have absolutely ZERO knowledge of this. It was opened without my consent or knowledge. 

XXXX XXXX Account Number XXXX Opened XX/XX/year> Amount owed {$110.00}
Product: Checking or savings account

On XX/XX/2021, I received an email from a Merchant ( Remitly ) that there is a transaction in my account with them. My ( XXXX XXXX XXXX ) debit card was stored in there that is why i opened my online banking right away and noticed 3 transaction pending. I called my bank right away to notify them of the event and they were able to cancel 3 transaction which i did not authorize. I have attached here proof that i called them on that same time transaction happened. I also called the merchant ( Remitly ) and they were aware. Remitly costumer service or XXXX from their costumer protection team confirmed that the transaction was an unauthorized transaction by me.He told me that bank will return my money and that bank will charge Remitly fort he refund, so it is going to be between them. On XX/XX/2021 i received an email from XXXX  XXXX XXXX that they are unable to pay my claim coz of the reasons they have. I will also attached the note received from them. I called their costumer service on that same day, they re open the case and escalated the case. I asked them if they can update me as soon as possible and costumer service from XXXX  XXXX XXXX call again in 3 days. On XX/XX/2021, I called costumer service of Remitly ( XXXX ) and 3 way conversation with agent in XXXX  XXXX XXXX ( XXXX ). We had a very long conversation including remitly providing their email address so that the bank can contact them for anything they need for the case and XXXX verbally mentioned to XXXX that the Transaction was not authorized by me and that bank should initiate a conversation coz bank can not provide any email or update that they contacted the bank before denying my claim.XXXX  also mentioned that if possible Bank can CC me on anyemail but I have'nt received any email. On XX/XX/2021 I received an email from XXXX XXXX XXXX that they were still unable to pay. Called costumer service of XXXX on XX/XX/2021 and ask them if they were able to send any message to remitly but they can not give me information. and that they will re open the case again. I believed my case was not properly address. I have a proof that I contacted them same time i noticed the hacking and reported to them. I also visited the XXXX XXXX XXXX branch for help but instead they told me that " Thats why you do not use such remittances '' and that they can not help me bacause their research team can only be contacted trough phone call. Bank response to my claim says also that they did not receive the information they requested from me or it was incomplete but they never contacted me or initiate any communication with me. Please help me with my case. Thank you
Product: Debt collection

Sent a validation letter to this company to resolve this matter as this attempt to collect a fraudulent debt is inaccurate and false, i also sent an oppurtunity to cure letter with a invoice for violation of 15USC 1692b ( 5 ) and 15 USC 1692c.