23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent a dispute letter about 7 accounts from the same creditor ( XXXX XXXX ). I took out a consolidation and settled every delinquent account. The bank its self sent the checks to each creditor. The bank gave me a letter as confirmation and detailed what was done. I mailed my letter and copy of the bank 's letter with cleared checks to show proof that the debts were paid. 
On XX/XX/XXXX All three credit bureaus deleted the debts, but they all appeared again XX/XX/XXXX. 

The cycle continues to this day. Every time I dispute with proof that the debt is not mine or incorrect, they either ignore or delete and add it again the following year. 
It has kept my scores at XXXX for 10 years. There is no reason my score should remain under XXXX with steady payment history. 
I was denied a mortgage 13 times. This is also documented. I was finally granted a mortgage through a large down payment and proving to the lender that my credit should be higher. 
I have a large packet that I have kept with dates and responses from each bureau. I have been treated unfairly by each bureau, including XXXX.
Product: Checking or savings account

BOA failed to investigate fraud complaints of XXXXXXXX XXXX Claims were XXXX  and had not been investigated to this date. I had all BOA alerts and safeguards in place. I informed bank that I WITHDRAW my fraud claimed and please set a closure date for them to return to me my XXXX XXXX XXXX No one at BOA will talk to me and I have no idea of my funds since they also closed access to my accounts. I have a XXXX} BOA credit card due and since I have no access to my money or my account info, this bill can not be paid. I have visited bank and was escorted out by police. A quoteleave now because I do not care how old you are, I will take you to jail. Bad words for a bank holding ransom my money
Product: Credit card

Submitted ACH payment through Capital One as always, on XX/XX/XXXX to cover minimum payment that was due. 
Reviewed my statement and submitted second ACH payment on XX/XX/XXXX to cover the whole balance due. 
XX/XX/XXXX, Capital One states bank rejected ACH on XX/XX/XXXX due to account being closed, charged me late fees plus interest. The ACH payment on XX/XX/XXXX was accepted and paid. 

My bank has no record of the request made on XX/XX/XXXX, and does not reject ACH payments. If they would have rejected the payment, they would have charged me a fee, which they did not. 

Capital One refuses to accept responsibility for the error and has blocked me from making payments from that bank account. They tell me to take it up with the bank, which the bank ahs no record of any request therefore they can not do anything. 

I asked Capital One for records showing the transactions and information received from my bank, and they say they can not provide me with that information. 

So now I am out interest and late fees with no way to get them returned, because Capital One claims there is nothing they can do to. 

How is this allowed to happen?? I did a search and I have found that Capital One has done this to multiple people within the last year and there are many others like me who have lost money. If you add up all those people I wonder if it is millions? 

Please investigate and protect us consumers from predators like them, because we have no protection.
Product: Credit reporting

I disputed a inaccurate public record with Equifax they failed to respond. I have been disputing this for almost a year. Each time they just ignore me
Product: Credit card

Dear CFPB, I have made attempts to call your office at the number listed online, ( XXXX ) XXXX ) and this is not a reachable phone number!! It sounds like it is disconnected. 

Therefore, I attempted to send you an update on my case ( complaint # XXXX ), but you had closed the case before I have received a resolution! 

The letter I received by email from CITI Executive Response Team ( Citi # XXXX ), advised they did not service the Sears Warranty and " deflected '' the problem by providing a phone number to me to call XXXX ( XXXX ) XXXX. I might add, a phone number I have already called repeatedly! They did not provide any assistance to me!
Product: Checking or savings account

I had a checking account with navy federal credit union my account was in negative they charged me overdraft fees which resolute in my account being closed without my knowledge. I called to make arrange and was my debt was sold to a collections agency without giving me the opportunity to clear the debt. I would have direct deposit coming into the account they would hold the funds for XXXX hours before releasing the funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of an attempt to collect on the alleged debt referenced below are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXXXXXX XXXX AND XXXX XXXX XXXX XXXXXXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that these companies have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my request are as follows : Promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address they have on file. 

Account : LVNV Funding LLC c/o Resurgent Capital Services
Product: Debt collection

Good morning, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX I am making a complaint against IQuantified Mg. Services and the creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WA My XXXX, through XXXX in XXXX XXXX WA was XX/XX/XXXX XXXX is my primary insurance. XXXX sent me 2 bills, saying that I owed them extra monies. I in fact set up a payment plan for the XXXX and XXXX amounts. The insurance to cover the rest. 

Then on XX/XX/ I received a Collection letter from IQuantified Mge. Services in XXXX, CO to collect for XXXX XXXX XXXX. for XXXX I called XXXX to please contact them, as I was not able to get them XXXX through phone or email. They said they would and that XXXX would get back to me in 5 days.No phone call, no text, etc. 

I in fact never received a written bill from XXXX. It looks like they just decided to send the bill directly to collections. I feel like I am being railroaded. I have an extremely high credit score and don't wish to have a blemish on my score. I always follow the rules, though some arbitrary, but I do. So I feel like I have been scammed by XXXX. 
Please, please help me with this problem. And did they even submit my XXXX XXXX??. Thank you for your time and consideration. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Name of the company causing me stress is Equifax. I notice on my credit report " date account opened '' " date of last activity '' and " payment status '' were all conflicting, misleading, and wrong. I requested the consumer credit application with my signature and they failed to provide it. I disputed the accuracy of those accounts and they continued to report its inaccuracies which are causing me financial injury.
Product: Credit reporting or other personal consumer reports

I filed a dispute on my credit profile. I asked them take it off because it was not mine. 
A debt collector is in violation of my rights. Equifax claimed they verified the debt ; they did not. To verify a debt, the collection agency is supposed to provide these things ; they did not. I don't even know them and have never gone into contract with them. Eqifax claimed to have verified the debt, they could not have because I never went into contract with alleged debt company.

1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please show your authorization to do business in my state.

5 ) Please provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to prove balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

Debt Collector violation Pursuant to 18 USC 8, I owe no debt. This company is violating my right to privacy Pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my information pursuant to 15 USC 1681 4.
Product: Debt collection

XX/XX/XXXX I reviewed my credit report and this company Consumer adjustment reporting that I opened an account with them. I didnt sign or authorize anything on XX/XX/XXXX. I would like to receive a copy of my signature on a document specifically from Consumer Adjustment Co. dated XX/XX/XXXX. I would like to see an original document with their letter head or logo that shows my signature and dates on XX/XX/XXXX. If they cant submit a document thats dated XX/XX/XXXXXXXX  and my signature on the document dates XX/XX/XXXX. If they cant provide this information I request it be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with XXXX  XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my credit score to drop XXXX points with TransUnion and XXXX points with XXXX. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. TransUnion allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the XXXX Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was XXXX XXXX of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a TD Bank Credit Card account in2018 to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my TD Bank account. The payment was posted. 
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. 
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? 
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. 
I didn't realize the payments had not been made until my account was overdue, and TD took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. 
I have repeatedly asked TD for an explanation, but after two letters and an E-Mail contact, I have not received one! They seem to be ignoring me.

My position is that TD Bank made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! 
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. 
Their refusal to provide any explanation or to make it right is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person hands.
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently. I have made previous attempts to fix this issue directly with them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year>2021 and XX/XX/XXXX opened on XX/XX/scrub>/2021. I do not recognize the aforementioned accounts, collections, or charged off accounts. The aforementioned accounts, collections, and charge off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge off are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 ( 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, 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, 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 an 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 or 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 collection

I have been trying to get Allied Interstate/XXXX to communicate with my credit counselor regarding my debt. Despite receiving verbal and written authorization to do so, they still refuse to communicate with him. 

I have also agreed to a settlement amount of {$1500.00}, but the last time I spoke with Allied they told me that they could only mail the settlement letter and that they would n't date it for further than 10 days from the day I spoke with them - which would not give me enough time to send the settlement payment.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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.

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

I requested a credit report from Experian n realized there's a different last name with an opened account that is not mine the account is under XXXX XXXX, nevr went by this name, nevr seen it bfor, my credit went way down... says I also own a house I nebr lived in