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

I am sending to formally dispute an entry on my credit report related to an account with a {$0.00} balance. The account in question is currently labeled as a charge-off, despite having been paid in full with no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

The specifics of the disputed account are as follows : 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 XXXXXXXX I have observed that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is negatively impacting my credit score and financial well-being. This misinformation is not only misleading but also has the potential to impede my access to credit and financial services when needed.

Efforts have been made on my part to rectify this situation by ensuring the account is fully paid, with no remaining balance. Consequently, reporting this account as a charge-off is unjust and misleading. I am fully compliant with my financial obligations and am entitled to an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request a prompt investigation into the accuracy and completeness of this entry. Additionally, I ask for the results of this investigation within the stipulated timeframe outlined by the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from my credit report.
Product: Bank account or service

Several months ago I opened a bank account via the mail. I have never received signature cards or account information advising of my minimum balance requirements.I have voiced my concerns via email, letters to the bank manager with no response. I am now being told I cant close my accounts without incurring more fees.
Product: Checking or savings account

My identity has been stolen, and multiple attempts to open accounts in my name
Product: Credit card or prepaid card

Hi, I signed up for the US Bank XXXX XXXX credit card. One of the features of the card is that it earns 2 extra points per dollar on mobile wallet purchases, such as XXXX XXXX, XXXX XXXX, or XXXX XXXX.
My account was closed because I " abused '' the 2 extra points per dollar use by purchasing gift cards via XXXX XXXX. I spent about 400-600 dollars per month on gift cards on XXXX XXXX, and about 100-200 dollars per month on other purchases using XXXX XXXX  totaling about 1,000-1,600 extra points per month. This equates to roughly $ 10- {$16.00} per month. For a credit card with a {$400.00} annual fee, I believe that this is not a significant amount, similar in spending that I do with other credit cards that give extra bonus points for gas or restaurant spending.
Furthermore, the use of XXXX XXXX to purchase store gift cards is not explicitly disallowed in the terms and conditions. The terms and conditions ( XXXX XXXX XXXX ) state that " Qualifying purchases do not include Convenience Checks, Advances ( including, but not limited to, wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Balance Transfers, Interest Charges and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. '' I believe that US Bank thought that my gift cards were cash convertible items. However, they were gift cards on sale that I purchased to obtain a discount on future purchases that I would already make or give to others as a gift ( pay {$20.00} for {$25.00} XXXX XXXX gift card, for example ).
My online account is closed off to me so I can not attach any documents or statements at the time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has had my account suppressed by transunion. XXXX XXXX XXXX XXXXXXXX has inaccurately verified my account to be fraudulent causing it to be suppressed and not appear on my credit file. I have spoken to transunion and I was told the XXXXXXXX XXXX XXXX services has to submit a reinsertion procedure to have it reappear on my credit file. After speaking with XXXX XXXX XXXX XXXX XXXX services they are unaware of this procedure and told me that transunion is giving me the run around. I have had the account open over 2 years in good standing. I have spent months trying to get this situation rectified. Every credit reporting agency is reporting this account besides transunion. I was told that XXXX XXXX XXXX XXXX XXXX marketing team could start the reinsertion process to have this account put back into my credit file. I havent had any luck with this and Im hoping something can be done without legal action. This is unfair and inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

remove fraud accounts becUASE they are not mine.
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 and XXXX. financial loss, and I seek appropriate redress for these violations
Product: Mortgage

Original request to cancel PMI was in XXXX, XXXX via account website. My principal balance reached 80 % of the original value of the property for cancellation, my loan was current, payments were all in good standing and no liens on the property. I asked if there were any additional steps necessary to fulfill this request. 

Letter received from Newrez on XX/XX/XXXX saying my request was denied and listed XXXX possible reasons why without explanation of which XXXX or further steps to take, as we had met all requirements they listed. I called customer service, on phone for an hour ( spoke to XXXX ), was told a supervisor would email the information I requested ( the supervisor was too busy and not able to speak to me ), and I never received the email nor any follow up information. 

I sent a correspondence on XX/XX/XXXX requesting a broker price opinion to get the current market property value to cancel PMI based on that and what steps were necessary to follow my request. I have yet to receive a valid response. The responses I have received : Letter received on XX/XX/XXXX stating who the owner of my loan is, on both XX/XX/XXXX and XX/XX/XXXX letters received stating due to the complex nature of my request, Newrez requests additional time to respond. 

So for an additional XXXX months following my second request utilizing a XXXX, it is now so complex that Newrez continues to need additional time? My brand new construction home was purchased in XX/XX/XXXX. My original loan amount was {$340000.00}. My principal balance as of XX/XX/XXXX statement is {$260000.00}. What is so complex about that? 

In the meantime, Newrez continues to collect my PMI every month as they continue with generic letter responses that they need more time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to each major credit reporting agency ( Equifax, XXXX, XXXX  ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I have applied for modification for my home several time in last 1 year. My leader had largely ignored my request. This time ( after sitting on my application for 2 months ) they finally responded to my request by asking me for some more paperwork. Which i provided to them on time and they acknowledged that they received it. Then, to my surprise they posted a notice of sale on my door. I called and remained them that they are in violation of the California Homeowners bill of right which clearly states that lenders are not allowed to double track foreclosure and a review for a modification. They said they will look into it. Next day I called to check on the status and they told me that I need XXXX more form. They emailed me the hardship affidavit form to fill out. I immediately completed the form and returned it to them. ( must remind you that this form was a very old 2009 hardship affidavit from which is not required any longer since the new RMA includes it. But, nevertheless, in sprit of cooperating and not wasting time to fight with them, I did as I asked to do ). Next day again, I called to check the status and they told me that they have closed the file and are moving to foreclose on my home. I again reminded them that I have done as they have asked and why did they close the file without review. They told me that they do n't want to work with me or help me and are going to foreclose. 
How could they do that? I thought we lived in a country with laws. I feel that they are discriminating against me because I am XXXX and do not understating many financial matters and do not have financial ability to fight back. I fear that by filing this complaint thru you, they will further retaliate by pushing forward and foreclosing on my home making my children and I homeless. Please help me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer off report and noticed there are inquires that I never authorized. Consumer reporting agencies have assumed a vital role and have a duty to report consumer information with MAXIMUM accuracy. I have been a victim of identity theft and would like an investigation on who gave permission to authorize the following inquires XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2022 Please investigate and provide the proof that I gave permissible purpose aka hand writing consent to authorize these inquiries.
Product: Debt collection

I am filing this complaint against Hunter Warfield , Inc. for failing to comply with federal debt collection laws under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

On XXXX XXXX, 2025, I sent a formal written request via [ certified mail/email ] to Hunter Warfield , Inc. , requesting validation of the alleged debt they are attempting to collect from me. Under the FDCPA, they are legally required to provide the requested validation before continuing any collection efforts. 

Hunter Warfield , Inc. failed to respond within the legally required XXXX period. Instead, I received debt validation documents dated XXXX XXXX, 2025, well beyond the deadline. Their failure to provide timely validation means they were legally prohibited from continuing collection efforts, yet they continued to report the debt to credit bureaus and possibly engaged in other collection actions. 

This delay is a clear violation of federal law, and their actions have negatively impacted my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I literally have no knowledge of none of the negative things on my credit score
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I directed my bank in XXXX, XXXX XXXX, to wire transfer the amount of {$29000.00} to my wifes account at Chase bank in XXXX XXXX, and indicated both the account number and customer name on the XXXX account that was to receive the funds. However, I soon learned that the funds had been sent to the wrong account, even though the beneficiary name and account number did not match. In a XXXX message to the Sending Bank, XXXX acknowledged that it had wired the funds to the wrong account, even though there was a mismatch between the beneficiary name and account number. I have complained to both my bank in XXXX and to Chase, demanding that the funds be returned or otherwise credited to me or my wifes account, but to date neither I nor my wife have received any portion of these funds. Attached is the last response I received from XXXX dated XX/XX/2023, which references my complaint XXXX XXXX. XXXX. Also attached is a screenshot of the XXXX message from Chase to the sending bank, acknowledging the mismatch between beneficiary name and account number. I request that Chase immediately refund or otherwise credit to me or my wifes account the amount of {$29000.00} plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$40000.00} - I wrote the creditor and they said that I was never late, so how can it be that you're reporting me as late? That makes no sense at all. 

XXXX XXXX XXXXBalance : {$66000.00} - If you can't prove that you had proof, you need to remove this late payment. 

XXXX XXXX XXXX Balance : {$520.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance : {$920.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$370.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX XXXX XXXX XXXXXXXX - I've submitted proof that this is not my signature on the petition - you need to remove this immediately.
Product: Debt collection

We made on time installment payments on a line of credit for the term of the loan. After the last coupon in the book, Mariner Finance advised to call and receive the amount of the last payment. We called and left a message. We never received any correspondence or a return call to confirm if there was any outstanding amount owed. This past week we received a letter threatening us that a lawyer will be filing paperwork within 5 days if we do n't pay the past due amount which was not even listed on the letter. The letter was not certified and arrived as regular mail. We would have paid the amount due if we were aware of how much was owed but we received no final bill or correspondence in any way. We also tried to consolidate outstanding debt with a new loan by Mariner Finance and during that process was never told there was an outstanding balance due and that in order to get the loan we needed a co-signer but no mention whatsoever by the rep or by the letter received referring to the loan decision. We would like Mariner Finance to send us and the credit bureau a letter satisfying our debt paid and to acknowledge the discrepancy was caused by their inability to communicate in writing and voicemail that an outstanding balance was due that was not included in the coupon book and our credit should be restored showing no delinquency of payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the
Product: Credit reporting or other personal consumer reports

I found some inquiries on my credit report that don't belong to me
Product: Credit reporting or other personal consumer reports

Account # : XXXX XXXX This is not my account. This is fraudulent information.
Product: Debt collection

This letter is a formal request for validation of an alleged debt you claim I owe, account number [ NCB  File # XXXX ]. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227.

I dispute the validity of this debt. I have no knowledge of a contract or agreement with your company. Therefore, I am requesting the following documentation to verify your claim : * Proof of your authority to collect this debt : Provide evidence that you are legally authorized to collect this debt, including a copy of the assignment or transfer document showing you have the right to collect on behalf of the original creditor. This should clearly show the transfer of ownership of the debt to your company. 
* Your state license number : Include your companys state license number for debt collection. 
Furthermore, I am requesting that you cease all communication with me, including phone calls, until you have provided the requested validation. This is in accordance with my rights under the FDCPA. 
Under the FDCPA, you are required to provide this validation within 30 days of receiving this request. Failure to provide this information will result in my disputing the debt with credit reporting agencies and may result in legal action.

Please note that if you continue to contact me using automated dialing systems or prerecorded messages without my express written consent, you will be in violation of the TCPA.

I expect your prompt attention to this matter. 
Sincerely,