23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Cash app closed my account stating I had use my personal account for gaming and against their polices when in fact I did not and was victim of scammers trying use my account and they closed my account leading to me not being able to used account, I use cash app to send money to my children, other family members etc. Never to gamble.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account transaction from XXXX XXXX that contains inaccurate information that is damaging my credit and reputation. 

I never gave any consent or authority for Experian to obtain and sell the account transaction for profit. Using my identifying information without consent is a breach of privacy and can be considered identity theft. 

I am exercising my rights under FCRA and Gramm Leach Bliley Act to have the account transaction permanently deleted from my credit report and file.
Product: Checking or savings account

MY SQUARE ACCOUNT WAS DEACTIVATED ON XX/XX/XXXX after 8 months now they are not releasing my funds When I complaint here first time after that square deleted my account and when I call them they just tell me that they esclate the issue and the accounts services will get back to you in 2 days Now they are not giving any exact date of releasing the funds there not any ongoing disputes on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challeng anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if theres anything missing. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to rectify this situation for two-three years. This company claims I owe a company called " XXXX '' {$1600.00}. I have never had an account with XXXX. I called Midland directly I have sent verification requests. The company sends a printed copy of their records, but they have never sent a statement from the company they say I owe. I finally found out XXXX is XXXX. I called XXXX directly who states they have no record of an account owed under my name. I called Midland to inform them of this, and they continue to refuse to remove this item from my credit report. I have never received anything indicating this is my account.
Product: Credit card or prepaid card

I have two outstanding disputes with my reliance prepaid card from two months ago that are not resolved yet by reliacard one is an item that I took back from two Walmarts a computer I printed out a return label and put it into the kiosk as XXXX wanted they had never returned the money to me which is {$520.00} and some change so I called reliacard and filed a dispute gave them all the information that they required of me and still I have that yet to get that money back into my account the other is for {$130.00} for items purchased online that were never shipped out to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance XXXX XXXX {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$4200.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TXXXX XXXX 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 card or prepaid card

THIS IS NOT A THIRD PARTY ADMINISTRATOR SUBMITTING THIS CLAIM ON MY BEHALF. I AM SUBMITTING IT MYSELF.

I am submitting this as a new complaint at the recommendation of one of your phone reps this morning. 
On XX/XX/XXXX, I submitted Case # XXXX, an ongoing dispute with Citibank regarding an unauthorized charge to my account. I have attached a copy of my initial complaint below. The CFPB received a response from Citi stating that they need authorization from me to proceed with my complaint and as a result the CFPB closed the complaint. I received a response directly from Citibank dated XX/XX/XXXX via email stating that they did not receive a response from me to a letter from them dated XX/XX/XXXX and because of that they were unable to proceed. ( I have attached a copy of the letter dated XX/XX/XXXX. ) With all due respect that simply is not true. I responded to their letter via email on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Citi, requesting that I resend the information that I sent on XXXX because my letter was " damaged or separated during processing. '' It was further requested that the information be returned by XX/XX/XXXX. I resent the information on XX/XX/XXXX by email via two separate documents because the file was quite large. I also sent the file via certified mail, return receipt requested. I have verification from the Post Office that the parcel was picked up at XXXXXXXX XXXX on XX/XX/XXXX. Citibank further states in their XX/XX/XXXX letter that the merchant claims that I agreed to the their terms and conditions which is also not true. The merchant never discussed the charge with me that I am disputing. I have made numerous calls throughout this process to Citibank to try to ascertain the status of my complaint and quite frankly have just gotten the run around. Now they say it is too late for them to do anything. 
I would appreciate anything the CFPB can do to help me regarding this very frustrating issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to inform me that my data may have been compromised in a data breach that happened in XX/XX/XXXX and XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, once again, contacting the Consumer Finance Protection Bureau to resolve a complaint of in-accurate mortgage information on the Experian Credit Bureau report. This is my 7th separate contact, with Experian, in this regard. My last CFPB communication was in regard to complaint number XXXX with a response from Experian that states the information, in regard to including my mortgage payments, can not be included because their credit grantors have not provided this information. In all my communication I have included a copy of our most recent XXXX XXXX mortgage statement for their review. Experian is suggesting they can not include this accurate information unless it comes from their source of information. I welcome the opportunity to forward this same information to their sources. Please find enclosed copies from my on-line Experian credit report for My Debt Summary showing real estate debt XXXX, and my Accounts Summary XXXX as well. This is in-accurate information provided on my Experian report, and I believe I am entitled to have accurate information provided for anybody to examine. It is worthy of note, this mortgage information is on my XXXX, and XXXX XXXX credit report, but not on the Experian. I am, also, including our most recent XXXX XXXX  statement to support my claim we do have a mortgage, and have had the mortgage since XX/XX/2006. I would sincerely appreciate any assistance to persuade Experian to show accurate information in regard to our credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report, in accordance with Section 1681 of the Fair Credit Reporting Act ( FCRA ). I believe that the information listed under [ XXXX XXXX & Discover Bank ] is incorrect and does not accurately reflect my credit history. This inaccurate reporting is in violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and fairness of the information they report. 

Specifically, the dispute concerns Credit Card Fraud & Late Payments. I request that you thoroughly investigate this matter and correct any inaccuracies in accordance with the provisions of Section 1681, which includes the duty to maintain accurate records, and ensure compliance with the law.

If this information is found to be incorrect or unverifiable, I request that it be removed from my credit report. Under Section 1681o, I am entitled to hold the reporting agency and the entity that provided the incorrect information civilly liable for any damages caused by negligent failure to comply with the provisions of the FCRA.

I request that you complete your investigation within 30 days, as mandated by the FCRA, and provide me with the results. Please send me a copy of my updated credit report reflecting any corrections or removals.

Should you require any further documentation or information to complete the investigation, please contact me at XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Consumer Loan

i made acheck payable to gm financial using my personal checking acount some XXXX alter the check the check was supost to be for XXXX the made the XXXX look like a XXXX there my acount was debited XXXX dollars gm financial is stating they havent received the payment i contacted XXXX XXXX wich is my bank they saying that the check was cashed i went multiple times to the branch with no help they saying investigating but gm is charging me all kinds of late fees the last thing that XXXX XXXX did was correct the amount but a month later gm still calling me about the miss payment
Product: Debt collection

I had signed up with PayPal Smart Connect which was supposed to help keep my bank account safe when making purchases online but was to automatically deduct the amount from my account and " filter '' it through PayPal so the vendor could gain access to my bank. Somewhere along the line the Smart Connect merged with the credit, which I was unaware of. I made a {$70.00} purchase, which I had assumed came out of my account already. It was n't until the first payment was late that I received an email notifying me. So I made the first minimum payment late but they threw on a {$25.00} late fee. The second payment was apparently late as well and the fee went up to {$35.00} and just keeps hiking up. So now, where my original purchase was only {$70.00}, I now owe them {$120.00} and the minimum payment has jumped up from {$25.00} to {$90.00} after just 2 months. They are calling 4 or and 5 times a day and at XXXX on Sunday mornings.
Product: Credit card or prepaid card

On XX/XX/XXXX, I obtained a XXXX  XXXX XXXX for {$14000.00} with a monthly payment of {$270.00}. On XX/XX/XXXX, a reversal from a denied dispute was posted to my account for a total of {$5900.00} as well as a credit for {$11.00}. There was no previous balance on the account and these were the only transactions between XXXX, which is the billing period of the XX/XX/XXXX statement that showed a minimum payment of {$6300.00} due on XX/XX/XXXX ( notice this minimum is higher than the purchases made and also higher than the sum of the purchases and the Flex Loan payment ). No payment on the XXXX  XXXX was due during this period. I had XXXX interest rates in place : ( i ) Standard purchases at 15.24 %, ( ii ) XXXX  XXXX at 6.99 %, and ( iii ) cash advances at 25.24 %. No balance was subject to any of these interest rates, according to the statement. 

On XX/XX/XXXX ( XXXX days after the billing period of the XX/XX/XXXX statement closed and well before the due date ), I paid the {$6300.00} due. During the next billing period XXXX which corresponds to the XX/XX/XXXX statement, I made purchases for {$1400.00} and had a credit for {$4.00}. The first XXXX  XXXX  payment of {$270.00} also appeared in the account. The statement showed a minimum payment of {$1400.00} due on XX/XX/XXXX which I understood included the XXXX  XXXX  payment ( that is what the supervisor on the phone, XXXX, also told me when I called to inquire ). I had XXXX interest rates in place : ( i ) Standard purchases at 15.24 %, ( ii ) XXXX XXXX at 6.99 %, ( iii ) promotional rate at 1.99 %, and ( iv ) cash advances at 25.24 %. The only balance subject to these interest rates was the XXXX  XXXX, according to the statement. 

On XX/XX/XXXX ( XXXX days after the billing period of the XX/XX/XXXX statement closed and well before the due date ), I paid {$1700.00} ( corresponding to the totality of purchases of the XX/XX/XXXX statement for {$1400.00}, plus the {$270.00} of the XXXX  XXXX  monthly payment ). However, the XX/XX/XXXX statement with billing period XXXX shows that this payment was applied almost exclusively to the XXXX  XXXX  balance, and not the purchases on the previous statement. In fact, the adjusted new balance this month still shows {$1400.00} when no purchases were made during the XX/XX/XXXX statement billing period. Once again, I have the same XXXX rates in place as in the previous month, and the only one showing a balance is the XXXX XXXX. 

When I called to inquire, XXXX, the supervisor, explained to me that if I had made the minimum payment of {$1400.00} due on XX/XX/XXXX, {$270.00} would have gone to the Flex XXXX and the difference to the purchases made during the corresponding billing period. However, with the higher payment of {$1700.00} that I made, almost all went to the XXXX  XXXX and almost nothing to the purchases made. I understand that payments are required to go to the balance with the higher interest rate, but then why if I had made the minimum payment only most of it would have gone to the purchases and just {$270.00} to the Flex Loan, as XXXX explained?
Product: Debt collection

After review of alleged debt provided in response to CFPB complaint XXXX, a review of records by XXXX XXXX XXXX detected an administrative error that caused the alleged debt to be created in error. On XXXX XX/XX/year>, a signed memo was provided to ProCollect by e-mail with describes the review conducted by XXXX XXXX XXXX who is the original creditor on the case. Their review shows this alleged debt was created in error. Based upon the determination of XXXX XXXX XXXX, this alleged debt is invalid and must be retracted. 

ProCollect was contacted by email regarding this alleged debt on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. In these emails, I requested ProCollect to " direct all correspondence in writing to XXXX for my records. '' ProCollect has not performed this action. ProCollect was called on XXXX XX/XX/year> at or around XXXX.
Product: Credit card or prepaid card

Wells Fargo Bank had closed my checking account and also closed my old credit card issued by them. It was caused by WF check was stolen. They opened new checking account and new credit card per their advice. I always had both as automatic payment from my checking account. Bank rep. XXXX at the branch arranged all she told me she arranged automatically payment to the credit card just like before years. She suggested to take care one XXXX XXXX XXXX by myself. I agree it. Now after a mo. I got a new bill on XX/XX/23 and they charged me $ XXXX late fee and interest {$5.00} I called immediately and they said they will not be able to correct. I feel very unfair it was their ordered and they handled all. I kept good enough balance in my new account $ XXXX They don't agree to refund of these fees.
Product: Debt collection

To Rushhmore Loan Management Services we dont owed any mortgage payment. They bought the loan mortgage from XXXX XXXX XXXX and XXXX XXXX XXXX  said there is outstanding balance of {$5500.00}. 

XXXX XXXX XXXX claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XXXX XXXX. FYI and record too 4 times said documents were faxed via fedex fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/2020. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from XXXX XXXX XXXX. 

Please see my previous complaint and reference number are XXXX XXXX XXXX and for Rushhmore Loan Management Services XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different  supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed Experian for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED TRANSUNION AND XXXX  AND XXXX  XXXX XXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX  OR TO XXXX XXXX