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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I have had an account with Capital One for over 2 years and never had an issue. In XX/XX/XXXX the company updated their system inadvertently changing my payment due date from the XXXX of every month to the XXXX of the month. I received a statement in XX/XX/XXXX stating that my payment was due XX/XX/XXXX then in XX/XX/XXXX I received a statement stating that my payment wasn't due until XX/XX/XXXX. Due to this system update, through no fault of my own, Capital One will not report any data to the credit bureaus for the month of XX/XX/XXXX. I have first contacted Capital One on XX/XX/XXXX and they instructed me to file a dispute with the credit bureaus. I filed the dispute and nothing changed. There is still a report of No Data for the month of XX/XX/XXXX on my credit reports. I contacted Capital One on XX/XX/XXXX again and this time they said that there is nothing they can do and that I have to contact the credit bureaus to see if they can pull a different report. I don't even know what that means. I am completely frustrated because this is negatively impacting me when I apply for additional credit and all they need to do is report data for the month of XX/XX/XXXX. Capital One said that they can not report anything because no payment was due, but that is not my fault. I made several payments before my payment was originally due XX/XX/XXXX. The fact that they will not report any positive data or paid on time data to the credit bureau is unacceptable to me as a consumer and I would appreciate help getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband passed away on XX/XX/XXXX leaving behind a Discover account that was for his business use. I provided Discover with a death certificate and they switched his account to my name, although I had not opened nor signed for the account. I have spent 16 months trying to work with them and eventually turned it over to my attorney, at an additional expense to my family, when the correspondence and phone calls became harassing. Discover has been unable to prove it is my account because it is not. Other creditors offered their condolences and immediately resolved the matter once they were informed of XXXX ' passing. I have spent countless hours with Discover while grieving and attempting to help our children. I am respectfully requesting that Discover remove my name from XXXX account and remove the account from my credit report. My attorney has requested numerous times that documentation be provided that it is my account and Discover is unable to do so. It has been 16 months and the matter needs to be resolved as quickly as possible please. The most recent correspondence from Discover is date XX/XX/XXXX and says that another investigation is happening.
Product: Debt collection

On XX/XX/2022, National Enterprise Systems -- XXXX XXXX XXXX, XXXX, Ohio, XXXX, XXXX, XXXX XXXX XXXX accessed my XXXX Credit Report purportedly under the guise of " servicing my account. '' I have no account with National Enterprise Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and unauthorized use of my name they I have informed Equifax about
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited a check from the Treasury department regarding my Tax refund, initially in the Capital One App it stated that the fund were going to be available in XXXX week then I received an email from XXXX stating that they will hold my check for 2 months, till XX/XX/XXXX I tried working with them so they can verify the check by suggesting that I go to the nearest Capital One branch and have them verify the check but they wouldnt even consider it. I am still in possession of the Treasury Check kept safe in case they wanted to confirm it. 
Ive also followed the instructions to email the Treasury Department to see if they can verify the check but no luck there.
Product: Checking or savings account

Yes I filed claim with Capital One Bank ( Claim Number XXXX ) regarding getting a charge back due to fact contractor was paid for services and did not do job he was paid for. I filed claim and submitted all information and capital One kept saying they did not receive documents supporting my claim. Each time they reopened and twice I sent via email the XXXX time I submitted via fax which went through because I got confirmation. I called the next day to see if they had received the documents and representative stated that claim had been denied. Representative could not verify my documents were received, I started this claim on XX/XX/year> on XX/XX/year> they denied stating no paperwork was received. On XX/XX/year> Rebuttal was started I was told to send paperwork which I did again denied stating I did not submit paperwork which I sent via email. Third time calling and this time I faxed all paperwork called and they stated no paperwork was received, Again rebuttal submitted. Capital One is not communicating well with me and I am sending all paperwork that I have given them. I need them to look into this matter and follow-up and communicate. what they need because I'm getting different information from each person I speak to. I can not get in contact with the contractor I have written letters, ( none returned ) sent certified mail, contacted Consumer Affairs who also no response from contractor, I have written letter requesting refund. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX reports my middle initial as XX/XX/XXXXwhich is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, XXXX Account Number XXXX, XXXX account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX Dnf associate llc account # XXXX, XXXX funding account # XXXX, are not complete and accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, balance is different on on all XXXX credit bureau this account is not accurate XXXX network account # XXXX This account information is not accurate. 

Portfolio recovery associate account # XXXX this account information is not accurate open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
XXXX XXXX XXXX account # XXXX, this account is not accurate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the accounts being reported to the credit bureaus by your institutions and request documentation to support the legitimacy of these debts under XXXX XXXX. XXXX, which prohibits financial institutions from securing loans or discounts on the security of their own capital stock. As such, I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a copy of the original instrument of indebtedness associated with the account in question, confirming that the loan or credit line was not issued in violation of XXXX U.S.C. 

Request for Proof of Original Instrument Indebtedness : I request that you provide valid and legally enforceable documentation, including a copy of the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of XXXX XXXX. XXXX. This document should establish the authenticity of the debt being reported and prove compliance with this legal requirement.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unable to provide sufficient enforceable proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. It is your obligation under the FCRA to ensure the accuracy and fairness of the information reported, and without proof of the original Instrument of Indebtness, the reporting of this account is both inaccurate and incomplete. 

I request copies of all supporting documentation used to verify the accuracy of the account information. This includes any loan agreements, contracts, or financial instruments of indebtness that prove compliance with XXXX XXXX. XXXX the original debt instrument, the account is unenforceable.
Product: Checking or savings account

Synchrony Financial has a non-customer-friendly habit of letting its customers know about CD renewals too early ( about 6 weeks prior to maturity ) and then letting them know much too late that it's renewed ( about 15 calendar days after its renewed ).
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the XXXX. Specifically Cash App failed to take timely and effective 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 EFTA and Regulation E. These actions have caused significant inconvenience and financial loss and i seek redress for these violations.
Product: Credit reporting or other personal consumer reports

in accordance with the fair Credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of late payments and collections on my credit report that shouldn't be there. Please see attached dispute letter. Remove all previous names. My only name is XXXX XXXX XXXX. I have no idea what those others names are.
Product: Checking or savings account

I recently had a very unfavorable and sour experience with Chase Bank 's Services. 

Here 's the story : 1. I wrote a check to a merchant from my Account # 1 2.  While the check was still in transit, I called Chase and asked to make a stop payment on XX/XX/XXXX 3. I realized the Customer Care Agent made a mistake and put a stop payment on Account # 2 because the amount got debited from the Account # 1 4. I moved to California and I reached out to the Chase Branch location in XXXX and found out that the Customer Care Agent made the stop payment on the wrong account 5. I asked the case to be escalated. After a few days, I was told the case had been sent to Branch Escalations 6. Branch Escalations called and said they're trying to find call record of my conversation with the Customer Care Agent 7. Chase wasnt able to find that information, neither can they find the Agent that placed the Stop Payment on the wrong account 8. My Wife gets a call from Branch Escalations and they tell her that unfortunately they can not credit me the amount 9. I repeatedly try to call Branch Escalations and try to get hold of our case manager XXXX, who never responded to 10 voicemails I left for him over 7 days 10. I finally called Branch Escalations and spoke to another representative. He told me the same thing XXXX told my wife I am disappointed for various reasons- : 1. Chase cant find out the call recording when everytime I call in, the machine says, the call is being recorded. 
2. Chase Customer Agent makes a mistake which cost me $ $ {$3.00}. Chase Branch Escalation says, because there is no evidence of whose mistake it is, they can not credit the amount to me. 

If Chase can not find call trace of my conversation, whats the point of having Phone Banking? 

If Chase cant find any history or employee information who made the stop payment, its Chase 's inability to run their business right. 

At this point I am ready to stop doing business with Chase Bank because I have no faith in them. I cant believe Chase can put their customer 's first and acknowledge mistakes done. I do not wish to waste anymore time in the future with Chase who does not believe in justice and runs unethical business practices. 
I do not feel my money is safe with them. 
I have been a customer for over 8 years. 

Branch Escalation Case : XXXX # XXXX PS : The merchant doesnt offer service cancellations, and once a check is processed, they have no returns.
Product: Credit reporting or other personal consumer reports

Account was Discharged in Bankruptcy XX/XX/2023. Apple Card is refusing to update my account information with XXXX after several credit report disputes with XXXX. Account shows a balance & late payments after bankruptcy. Creditor is violating Bankruptcy Code and the permanent injunction provisions by reporting negative information. Please update the information as stated by law or delete it from my credit report.
Product: Debt or credit management

I was checking XXXX XXXX  on my report and there was an alert that said I had a new account as of XX/XX/2023. I have not opened any new account nor would I since Im using a debt consolidating company to repair my credit. My information has been leaked by companies being cyber attacked and I have frozen my credit reports. So I am at a loss right now of why, who authorized this account. Transition is reporting this account.
Product: Debt collection

Wells Fargo Debt Collector keeps calling me repeatedly after telling them that I am handling in person. They have called me repeatedly in the mornings as early as XXXX AND as early as XXXX on SUNDAYS!
Product: Money transfer, virtual currency, or money service

Good afternoon, im contacting you in hope to get your help and resolve my issue regarding paypal service simply im left helpless. 
on XX/XX/XXXX i did order a Refrigerator Ice Bin and paid {$43.00} with paypal account then the next day i did receive a paypal email with shipping # confirmation, after checking that shipping # i got surprised, it was an expired usps shipping # belong to an order which was delivered on XX/XX/XXXX my order was made on XX/XX/XXXX, then i did contact the seller through his website and personal email meanwhile i did contact paypal and opened a claim as SUSPICIOUS ACTIVITY explaining all the details that is impossible to me to receive on XX/XX/XXXX an item i did order on XX/XX/XXXX? simply i believe this website XXXX XXXX XXXX is a scam. paypal suppose to contact the seller then send me the full refund because i know that im not receiving my order since it is considered delivered on XX/XX/XXXX. 
this is the shipping tracking # you can check it out yourself, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the very next day i received an email from paypal telling me my claim was closed and there is nothing suspicious! since then i couldnt contact paypal through my account also paypal phone is down. 

i did call my XXXX XXXX  seeking for help at the same time paypal locked my account and froze my funds of $ XXXX FOR SUSPICIOUS ACTIVITIES!! after i tried to log in to paypal i was asked to confirm my ID, so i did add my driver license copy to unlock my account, till today still no confirmation or any sign from paypal, i did attach all the documents needed to my actions, im really helpless and i need your help thank you
Product: Debt collection

XXXX Medical Data Systems I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Dear Medical Data Systems I, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX XXXX bill in the amount of {$3900.00} that was discussed on XX/XX/year>. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

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

I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
Product: Checking or savings account

Some online company called XXXX was used with my debit card but I was not aware of the transaction and this was on XX/XX/XXXX then I filed the dispute with my bank which is Chime. but Chime denied it. they say I didn't have any proof of evidence. I told them that they even took the money while I was on the phone with them to report it. but they say that was not enough evidence. they took over {$3800.00} between XX/XX/XXXX and XX/XX/XXXX but I didn't recognize the transaction before because it was a low amount. but the rebuttal of the claim was denied. and I reached out to XXXX to see if they can help me with the claim. they provided me with more information about the claim. showing that it was not me because the person who was conducting the transaction was located in XXXX, Florida and I live in XXXX, New York. 

- On XXXX -- > {$3800.00} - On XX/XX/XXXX denied because no proof - On XX/XX/XXXX rebuttal my claim was denied again and provided me with evidence they used to make a decision - On XX/XX/XXXX provided proof from XXXX showing I didn't make the transaction, - On XX/XX/XXXX denied me again.