23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems Inc is reporting inaccurate information my XXXX & XXXX credit report after several attempts to address the inaccuracy. 

I asked the National Credit Systems if they reviewed the documents that were sent to me about the debt and they said they understood the discrepancy but they are not required to verify information, they just send the information to the Credit Bureaus to satisfy the request. 

National Credit Systems told me to contact initial creditor for inaccuracies, the original creditor sent my requests back to collection agency. 

XXXX representative refused to enforce my legal rights of reporting incorrect information to my credit profile and agreed with the illegal practices of National Credit Systems.
Product: Credit card or prepaid card

When I first got the XXXX XXXX credit card the XXXX  XXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX  they accused me of XXXX late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXXt XXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 45 days, and I have not received a response yet. I feel like my disputes are being ignored and/or not being taken seriously. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been well over 45 days and these items should be deleted immediately or I will file for litigation due to the extreme trouble I have gone through because of these errors. I was also informed that my information was leaked during the Equifax data breach and I believe it is being misused for wrong purposes, such as this.
Product: Mortgage

I had to declare bankruptcy over five years ago. When I filed I told the attorneys to leave my house out because I was n't behind on mortgage payments. Much later I found out my house was included in the bankruptcy, even though I was n't behind on payments. Someone was awarded XXXX. I called XXXX XXXX XXXX, Green Tree and, ditech, they all denied receiving the money. The firm handling my bankruptcy would n't help me unless I paid them more money. When the bankruptcy was up I was one month ahead on payments, ditech sent my loan to collection. I refinanced my loan through XXXX. ditech sent them a payoff amount, it was payed, two months later I received a bill from ditech stating I still owed them over XXXX. Ditech mortgage is robbing people. I want to know where the XXXX awarded in the bankruptcy ended up and, how to get it back. My heart goes out to ditech customers. REFINANCE before it happens to you!!
Product: Money transfer, virtual currency, or money service

I received a message saying my card was taken off cashapp and a new card added then the new card removed. I called my bank immediately and they said for me to call cashapp. So I called cashapp and filled a dispute and waited to hear from them. They eventually declined my refund. I called cashapp again and was told the 1st rep had not filled the proper dispute and asked if I had anything to submit for them to review. So I gave them the messages I had regarding the cards but again was told I would not get my money back.
Product: Credit card or prepaid card

I have a quicksilver credit card that ends with XXXX with capital one that has been open for 6 years. I got behind on payments so I was placed on a payment plan 2 weeks ago and was told if I make a payment for XXXX on XX/XX/20 day that I called which I did and make a payment in XXXX that I will be all caught up. I found out today that my account was charged off. I would like this charge-off reversed and I would like to continue my payment plan. Capital One XXXX. Please help me resolve this situation my credit is very important to me. I really need to get this resolved. Thank you!
Product: Debt collection

I requested a debt validation letter over a year ago and have not yet received. The woman I spoke to said that it would be provided.
Product: Checking or savings account

My chime card was charged {$240.00} on XX/XX/2022 to XXXX XXXXXXXX XXXX that was not authorized by me. I filed a dispute and chime closed my dispute out and told me I couldnt get my money back. After further research Ive read that they have done several people that do business with them like this. I was told by an agent that I would need to XXXX the business that the transaction was made with and try to contact the merchant myself. As I explained to said agent I cant show proof for a purchase I did not make. Not only that said agent stated that they dont have to refund my money and that I would just have to be out of {$240.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and several creditor companies. Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : XXXX. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within XXXX  days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. XXXX. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. XXXX. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX INQUIRES : XXXX XX/XX/XXXX XXXX ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX EMPLOYERS : XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Credit card or prepaid card

On XX/XX/22 my check for {$11000.00} cleared my bank and the funds were withdrawn from my account. On XX/XX/22 my Capitol One Silver account was credited for {$11000.00}. However I was told that I would not have access to those funds until XX/XX/22 because they were afraid I may reverse it or something along those lines. I normally pay between {$2000.00} and {$2500.00} per month, but it's the end of the year and I wanted to get caught up. 

I asked they to show me in my agreement where it covered the holding of my funds and they couldn't. They just say they do that when they think the payment is out of the " ordinary ''. 

I doubt whether they are putting the funds into an escroll account, so it would be interesting to see what they are doing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo collections was paid off, and they keep reporting this as charged off even though everything was paid!!
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4. Months Bye law these shouldn't be on my credit report I did not authorize these companies to use my credit
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express a concern regarding a recent transaction involving a gift card purchased through XXXX on XX/XX/XXXX. Despite successfully redeeming the gift card after encountering several errors, I faced an unexpected obstacle when prompted to fill out a verification form by Google in order to utilize the credited balance. 

Compliant with the instructions provided, I submitted the required form and awaited further instructions. Regrettably, on XX/XX/XXXX, I received a notification from Google indicating that due to identified inconsistencies between my account and the provided information, assistance in redeeming the gift card would not be feasible. The communication concluded without offering any avenue for appeal or resolution, effectively barring access to the funds I had legitimately allocated for use. 

The essence of my concern lies not just in the inability to utilize the redeemed balance, but in the broader implications of being deprived of a service for which I have already paid. This situation is particularly distressing given the absence of a clear recourse or mechanism for addressing what appears to be a misunderstanding or administrative error. 

In light of these circumstances, I am reaching out to request your immediate intervention to review this matter. It is my hope that together, we can identify a satisfactory resolution that respects the value and intent of my initial purchase. The inability to access funds rightfully mine, without a transparent and fair process to address such issues, raises significant concerns. 

I am more than willing to provide any additional information or documentation required to facilitate a review of this case. Your prompt attention and assistance in rectifying this issue would be greatly appreciated, as it not only affects my current situation but also impacts my confidence in future transactions.
Product: Mortgage

Re : Mortgage XXXX I paid my insurance by credit card and I asked US Bank to either remove the insurance part from escrow or reimburse my recently-paid insurance premium through check. 
I already contacted US Bank about this ( and last year too ) and I was told that it's possible for me to pay insurance directly and US Bank will issue a check to reimburse me ( even though the mortgage will still include insurance as part of escrow ). 
But even after telling me that US Bank can reimburse me through check ( and I also contacted US Bank several times regarding this issue ), it still send payment to the insurance company even though it's already paid off. 
I'm not asking a mortgage reduction and I never miss a mortgage payment. I just simply asked to pay the insurance by my own and US Bank to reimburse me by sending the check to me ( instead of sending it to the insurance company ). 
This reflects that US Bank doesn't really care about its customers at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Told credit bureau companies to remove additional names on credit report. In addition to addresses and employment.
Product: Money transfer, virtual currency, or money service

I'm 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 inconveniece and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have disputed these inquiries several times, requesting documentation that validates my authorization or that I initiated these inquiries. Its persistence on my credit report is a violation of 15 USC 1681n, 15 USC 1681i ( 5 ), and 15 USC 604a section 2. I request that it be removed from my credit report. 
I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.
Product: Debt collection

This is a collections agency thats the only people who have ever called i have no idea i dont live at the address they gave me over the phone and i darn sure dont know what their talking about however it is in my credit report.
Product: Checking or savings account

Bank of America had a class action suit for overcharging customers overdraft fees that were deemed excessive. As a member of the suit I was awarded the fees they charged the account. During the time period of the suit BOA charged me over {$3000.00} in fees. They initially credited my account {$40.00}. When i questioned this amount and asked how they arrived at it they never gave an explanation. After I filed a complaint they credited my account again the amount of {$140.00}. They then sent a check in the amount of {$20.00} which I have not cashed.This amount was still below the fees they charged. Ive seen the class action agreement and it says the bank is supposed to repay the amount of money they took from the customer. I want the excess fees refunded to me and explanation or formula used ti determine customers refund.
Product: Debt collection

I had a credit card Supposedly opened for XXXX XXXX 5 years ago when I was just a XXXX in college on XXXX vacation. I was not aware that it was an actual credit card, the cashier made it seem like just a promotion that the store had going on at that time. I only spent {$25.00} on a pair of shoes that I was originally paying in cash. All of a sudden late payments kept getting piled up, and that 's how I have an unpaid balance of {$160.00}, which I was unaware of, now on my credit report. I never even activated the card!! I was tricked into thinking I was getting a deal on a pair of shoes! The credit card is delinquent and showing up as bad credit and highly affecting my score before I had the chance to discover and build good credit on my own.
Product: Credit card or prepaid card

I am a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 
XXXX- opened XXXX XXXX XXXX XXXX- {$390.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX- $ $ {$06.00} XXXX XXXX  Account No. XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). 
The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
I received A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 

Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were consolidated in XXXX with XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act.  therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I also looked at the amount from each report and how much the loans have increased per month. It does not add up. Look at the account history on the Experian  page and you will see that between XX/XX/XXXX to XX/XX/XXXX, it increases from {$22000.00} to {$22000.00}. As you can see the other months, the amounts do not add up to the claimed percentage based on XXXX rate. I have been disputing with XXXX, XXXX, and Experian since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.