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

On XX/XX/2021. I sent a letter, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they 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 Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

New credit inquiry on XX/XX/year>XXXX  from CB INDIGO that I did not initiate and have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} ) showing on my credit report.
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 an 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 see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ran my credit report on Sunday XXXX XXXX and there were 2 items on it that was incorrect. Two credit cards that have a XXXX balance they reported it with a balance. The first is XXXX/XXXX  they have it at a balance of {$280.00} On XXXX XXXX I paid the balance in full. Second XXXX  XXXX/XXXX XXXX they have a balance of {$89.00}, the balance was paid in full on XXXX XXXX. 
I called them today and the women I spoke with continued to repeat herself and said she could not verify me based on the the information I gave her and everything I gave her was correct.
Product: Credit card or prepaid card

I made a purchase at the XXXX store on XX/XX/2022. I never received a statement. I did receive an email XX/XX/XXXX saying a payment was due soon. I paid through my XXXX XXXX  online bill pay, check # XXXX. I called on XX/XX/XXXX because they had not yet received the check. They asked for a phone payment which I declined as their call center is in the XXXX and we had just had fraudulent charges on our XXXX XXXX XXXXXXXX XXXX bill. I was unwilling to give them access to our checking account. They waived late fees and interest charges. XXXX XXXX  issued check # XXXX on XX/XX/XXXX which should have arrived before XXXX XXXX it is XXXX weeks later and they have still not credited the payment to my account. They continue to add late fees and finance charges and even a returned check fee when I told them I was stopping payment to XXXX because I assumed it had been lost. 

I might have believed them the first time when this happened in XXXX of 2022, but now I suspect fraudulent practices to gain late fees and interest. As soon as this matter is resolved, I will shred this credit card.
Product: Credit card

I opened 3 credit cards with capital one. Never had any issues. Always making my payments on time. Somehow my account was flagged for possible fraud. Im not exaggerating when I said almost 13 different people from the XXXX called me asking to sent copies of my driver license, social security card and bank statements for verification. They wanted me to show my personal bank information on it. Lets start by that is dangerous to be giving your information to other people, specially overseas. I did it anyway. Somehow they started they couldnt verified my information and closed all of my accounts. I have tried to call so many times to request to speak with someone in the United States and I get nothing by ride people. Nobody is able to help me or able to provide further information. They continue to report this accounts to my credit file as negative hurting my credit. I need someone to call me and fix this issue. Someone from the United States. You are ruining my credit.
Product: Credit card or prepaid card

I made a watch purchase that I never received. Item was returned to sender and sender ( XXXX ) issued a refund. Refund was not issued by the credit card company Apple Card ( Goldman Sachs ). They keep charging me for a refund they received on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am composing this letter regarding the account number XXXX that your company is presently reporting to both XXXX and XXXX XXXX my name. The account carries a derogatory rating, which deeply concerns me. I am extremely worried about the impact this negative rating could have on my credit standing, particularly since I was recently denied a loan and my existing credit accounts have experienced an increase in interest rates. I want to emphasize that this unfavorable rating has caused significant financial distress for me, and I anticipate that it will continue to inflict both financial and emotional hardship until a resolution is reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Bank account or service

On XXXX XXXX, 2015 at about XXXX XXXX, I entered WELLS FARGO BANK to withdraw {$3000.00}. I provide both my license and bank debit card. I was asked not to swipe my card instead for me to file out a withdraw slip for the transaction. After doing so, the teller took all XXXX ID credential in a scrutinizing manner for verification with my withdrawal. The teller took an unusual 30 minutes before responding to me that my signature does not match. I then exited the window to seek assistance from the Manager. at the presence of the manager, I filled out another withdrawal form. The manager went to the window computer and spent an additional 30 minutes scrutinizing my account. When I asked her what is going on, The manager came to the window and replied, " Your signature is not matching, and that it is unusual for a XXXX person to come into this branch to withdraw a large amount of money ''. 
Seeing that I was being discriminated against, I called the local police department for assistance. During my hour wait for the police, I was excluded from doing any transaction. When the officers arrived, I was lock inside the bank and waiting. XXXX officers investigated the matter by reviewing my ID, bank card, other identifications I gave to the bank, including my withdraw slip. They spoke to the Teller and Manager and notice their discrimative behavior, and ordered them to re open the bank computers and give me my requested money. 
The purpose of that withdrawal was to secure a plane flight back to XXXX Ma to attend a family member funeral, and to conduct XXXX on my XXXX. I miss my flight and resort to driving XXXX miles back to Massachusetts. I miss the funeral, and my doctor could not preform XXXX because I 'd placed to much stress on XXXX from driving.
Product: Credit reporting or other personal consumer reports

This is my personal statement that the two listed accounts are not mine and I do not know where they came from. The FCRA states that pursuant to 15 USC 1681c-2 these accounts must be deleted due to identity theft. Please delete the following two fraudulent accounts from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to report accurate information to the credit bureau. By law, they are suppose to. My positive payment history has not been reported in months. I have made close to {$3000.00} in payments since XXXX and my balance on all my credit reports has not reflected this. I have no payments due until XXXX  because of my very positive payment history of making large payments to pay off balance and interest. Ive contacted them and they told me they have reported my most recent balance in XXXX, but my credit report does not reflect this and have not provided any proof of this. My balance has not been correct since XXXX on all my credit reports. I have had to dispute it on XXXX, but have not had a resolution as of today. I have all the proof in my most up to date balance and payment history. Because of this, Ive not seen improvements with my FICO. In fact, it is affecting me negatively. They need to taken action by law.
Product: Credit reporting or other personal consumer reports

Chase Card is reporting an account on my file that is not mine. It is showing I am an authorized user on an account I do not recognize. I have never given anyone permission to put me as an authorized user on a chase card. This needs to be removed immediately as I never signed anything with Chase for this account and it is not mine.
Product: Debt collection

Account fully terminated in XX/XX/XXXX, however Nissan is still reporting "FULL TERMINATION/BALANCE OWING" on my credit report, causing my mortgage lender to decline my homeloan.Nissan showing account active as of XX/XX/XXXX with a balance due of $XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company sent my debt to collection agency XXXX XXXX XXXX representing XXXX XXXX. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to XXXX XXXX. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for XXXX XXXX ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; XXXX XXXX refuses to report debt settled and as XXXX balance. XXXX XXXX stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state XXXX XXXX reports the debt as accurate.
Product: Debt collection

I had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with XXXX response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Comenity with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had XXXX help from the CRAs with having this line removed from their reports.
Product: Credit reporting or other personal consumer reports

Dispute Timeline : XX/XX/2023 Explanation of Dispute : In XX/XX/2023, I was wrongly labeled as late on my credit report for a supposed missed payment. However, I have proof that I made the payment on time. I had made the payment with a bank account that I've used many times in the past with Pennymac. 

I received a confirmation that my loan was paid and I went on my merry way. Come to find out I was marked late and I had no idea why. 

I tried to resolve this by contacting their customer service on both XX/XX/XXXX and XX/XX/XXXX, but I didn't receive any help or solution. Unfortunately, I wasn't able to speak to a manager. 

In addition, when I did speak to them on a recorded line the customer service representative acknowledged that the payment was received and being processed. They admitted that there was an error on their end, but unfortunately, they couldn't fix it. 

Normally, I use my XXXX  XXXX XXXX account, but this time I used my XXXX XXXX account. Again, I've used this XXXX XXXX XXXX  account before without any issues. After I provided the payment information, the system did again confirm that the payment went through. I didn't receive any notifications about processing problems.. 

I kindly request that you correct this mistake. I take pride in paying my bills on time and would appreciate your prompt attention to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed late payment on my credit report. This dispute was submitted to Experian on XX/XX/XXXX, and was marked as verified on XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation Disputed account : Account : XXXX Account number XXXX XXXX 
Below are the details of the affected payment once again : *Date of reported late payment* : XXXX OF XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

The non-compliance with 15 U.S. Code 1666b by the creditor, who failed to send periodic statements with the required information at least 21 days before the payment due date, has resulted in the appearance of late payments on my credit report. This situation has adversely affected my credit score and is a violation of my rights under the FCRA. 

Furthermore, under the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72, debt collectors are prohibited from using deceptive, oppressive, or abusive practices, including incorrectly reporting late payments. Additionally, Fla. Stat. 559.77 allows consumers to file civil suits against debt collectors who violate the FCCPA and recover actual and punitive damages, as well as costs and attorney 's fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I transfer {$2900.00} through Western Union to the XXXX XXXX, from my bank account online. They withrawed the money from my bank and said the money was available. When my sister in law went to pick the money up they refused to give her the money. They did a change on their system on which my receiver last name appears as a middle name and middle name as last name. They stopped the transfer and they would not fix the problem or let me fixe it on my end. They cancelled my transfer and it's going to take 7 days for my money to be deposited back to my bank account. It's a very sad situation in which this company is playing with my hard earned money. I believe there are many customers with the same problem.
Product: Checking or savings account

From XXXX I have been charged for overdraft fees after Navy Federal Credit Union ( NFCU ) has waited to post all of my pending transactions all at once, days after the purchase had been made, causing my account to overdraft. This incurs a fee that I would not have to pay if NFCU posted my transactions sooner or actually showed what is in my bank account for me to use. My account rarely accurately reflects what I am able to use.
Product: Money transfer, virtual currency, or money service

I have been a Coinbase customer since XXXX of 2020 and had no issues with them. All of the sudden Sunday XX/XX/2020 i received an email from Coinbase telling me that they had to close my account, they did not offer me any reasons or explanation. In that email they tell me that i have to transfer my funds out of Coinbase. Here is where the problems start, when i try to transfer my funds it says " You are not allowed to withdraw any funds at this time. Contact Coinbase support '' and then another message that says " You are closing too many accounts, please try again later ''. But it will not let me do anything with my funds. The funds are as follow, i bought XXXX BTC at an exchange rate of $ XXXX/BTC plus a Coinbase fee of XXXX for a total of {$14000.00}. This transaction was made on XX/XX/2020 using my checking account. The reference code they send me for this transaction is XXXX. On XX/XX/2020 i made another purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$73.00} for a total of {$5000.00}. This was also made with a checking account and the reference code from Coinbase is XXXX. The following day, XX/XX/2020 with the same checking account as the previous one i made a purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$2000.00}, the reference code for this one is XXXX. This all adds up to XXXX BTC, and {$21000.00}. Of this amount i withdrew XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I have still XXXX BTC which Today XX/XX/XXXX is trading at $ XXXX/BTC or {$21000.00}. As of today i can not access my account or do anything with my funds. They said they had to close my account but yet they are holding my funds. I am not asking for anything more than i am owed. As you can see i have everything on record and will take any action necessary until my funds are given to me. I want my XXXX BTC and the longer they keep it the more at risk i am of losing it because the price can crash and i could loose my money and they have been holding these funds since XX/XX/XXXX and have made no attempts to reach out to me. This is the first step i am taking based on legal advise that i received, the next steps will be to take legal action and to report this to the FBI. Also whatever loses i obtain because of a price drop and me not being able to withdraw my funds because they would not let me when the price was stable and i had the chance to get my money, i will also file for damages and hold them accountable for any loses. My trading price will not be lower than it was on XX/XX/2020 when they closed my account and failed to let me transfer my funds.