23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Student loan

I have worked 7 years and 10 months in Public Service. Great Lakes and FedLoan are not giving me credit for this time despite them knowing I was working in Public Service on a Repaye program. They won’t even provide me all my loan documents. They advised me. I knew when I graduated my plan was to work in Public Service and they were aware and advising me. They will not give me my documents without a subpoena??? This needs to be a class action lawsuit. I don’t mind working off my loans, but public service does not pay and this program is a JOKE!!!!!
Product: Credit card

The bank confirmed the consumer 's total card credit limit of {$5000.00} and authorized a legitimate purchase of {$1100.00} within available limits on XX/XX/XXXX, well within the available credit. Despite this, the charge was denied three times, breaching the agreement. 

Citibank has restricted use of the card on 3 separate occasions for several days at a time. 

Bank has misrepresented services of card and restricted card indefinitely causing disruption, confusion, and distress for consumer.
Product: Credit card

On Monday, XX/XX/year>, I received XXXX letters from Synchrony Bank, each notifying me that they had closed XXXX of my credit card accounts. Some of these accounts I've held for several years. The letters were identical and stated : " After a review of your account, Synchrony Bank has decided to close your account due to activity indicative of a high risk of failure to pay. '' The reasoning on the closure of my accounts just doesnt make any sense. I currently have active usage across them, including XXXX accounts with promotional balances : XXXX for furniture on a XXXX no-interest plan and another for a refrigerator. 

XXXX not sure how they deem me at High Risk Of Failure To Pay. My credit score is in the high XXXX, I make my payments, and these accounts have been open for quite some time. 

I called yesterday seeking a clearer explanation for the closure of my accounts, but unfortunately, the representative was unable to assist. I was told that my feedback would be noted, but as it stands, the accounts remain closed. 
I'm deeply concerned about the impact this will have on my credit score, which I've worked diligently to build. Given my strong credit history and loyalty, I don't believe there is a valid reason for this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/1202 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate costumer 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. Theses actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is Macys /DSNB. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to Macys on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that Macys/ DSNB did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow Macys is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, XXXX and Macys have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.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

I had a frozen bank account and my mortgage payment for XXXX was paid late in early XXXX. My credit report after 3 requests and disputes shows XXXX still missed. XXXX XXXX and XXXX are paid. I have no arrears yet it now shows 2 late payments or missed. This has destroyed my credit and dropped me nearly 200 points. It has caused banks to reduce my facility on all cards and this should not be allowed especially after disputing the information provided to XXXX and XXXX. I am current and have no missed payments on my mortgage account with SLS. I attach my payment record and a current statement from SLS to show no arrears and next payment due XX/XX/XXXX.
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 ab
out 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 XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft for several years now and have been monitoring my credit file each month. Someone unknown to me used my ssn for medical services in the state of XXXX NC. I have never authorized anyone to use my SSN for services and do not know who the individual is that used it. I filed a dispute with the colleciton agency who sent me a letter on XX/XX/XXXX confirming ( confirmation number XXXX ) that my identity was used fraudulently and they will notify Transunion that this negative mark should be removed. I placed an investigation with Transunion on XX/XX/XXXX. on XX/XX/XXXX I receive my investigation results from Transunion stating that the information is correct and will remain on my file until XX/XX/XXXX. There is no possible way that this information is correct because 1. the person name does not match the social security number used. 2. I have never lived in XXXX and have lived in California for over 30 years. 3. I have a confirmation letter from the collection agency saying that they notified Transunion of the error on XX/XX/XXXX. Transunion investigation was incorrect and seems they are bypassing what the collection agency has reported to them. THis negative marking needs to be removed from my file. 

Reporting company XXXX XXXX , XXXX . 
on Behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

When I went to pay my car loan with Westlake Financial, I noticed a new personal loan payment portal from Wilshire Consumer Credit, a subsidiary of Westlake Financial. It had a personal loan for {$5200.00} and 42 % interest that I was expected to pay on and sent to a bank account I never opened up in a town i do not reside in. All attempts to get verification of the emailed sheriffs deputy case number have been totally fruitless. the facts support that it was not me that took out that personal loan. zit should be also noted that this was an E-signed loan which i never received any calls, emails or text notifications for verification purposes. They will not follow the contact information in the open case to get their money back, as the detective has told me the bank has protections to get their money back. this originated between XX/XX/year> to XX/XX/year>. The fraudulent account is with Wilshire Consumer Credit. Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, XXXX, and Equifax advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, Equifax, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with Experian about a debt collection from XXXX. I dont make any contract and I dont know nothing about XXXX wireless XXXX I sent my paper to experian. The experian investigation said that the information is accurated and put it on my report. Experian is not a judgment instance. I want you help me making Experian erase this bad and false info on my credit until a court house say the opposite please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) stayed at an apartment complex titled XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I kept up with my payments and never missed a payment. I moved out XX/XX/XXXX, but was sent an invoice for a bill of {$93.00}. I paid this bill to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have a final account statement given to me by XXXX XXXX XXXX which proves that I paid the {$93.00} on XX/XX/XXXX. For some odd reason XXXX XXXX XXXXXXXX XXXX sent this debt to a collections agency titled XXXX XXXX. The Debt is now in collections on my credit report and is currently hindering me from completing a cash-out refinance which I need to complete. I disputed this collections debt to the credit bureaus. XXXX immediately removed this collections debt from my credit report, but Equifax will not remove this debt from my credit report. I do not understand why Equifax will not remove this debt from my credit report when XXXX would. It shows in black and white on my Final account statement given to me from XXXX XXXX XXXXXXXX XXXX that I clearly paid the {$93.00} debt on XX/XX/XXXX. I spoke to XXXX XXXX and explained to them that I had paid the debt to XXXX XXXX XXXX XXXX and they were very rude and did not care and they made be pay the debt again promising it would be removed from my credit report if I paid again. I was so desperate that I ended up paying XXXX XXXX again in hopes that they would remove this debt from my credit report, but unfortunetly equifax will still not remove this debt from my collections report. This debt on my collections report is hindering me from doing a cash-out refinance which is flat out wrong and against all my rights as a customer. Please have equifax remove this debt from my credit report so that I may complete my cash-out refinance. Thank you very much. Please protect my rights as a consumer. This is very cruel.
Product: Checking or savings account

This is a continuation of case number XXXX. Just wanted to submit another document showing proof that I have an account but they wont verify it. 
$ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX On XX/XX/XXXX I called XXXX  fraud department to verify my FTC report and identification documents were received. The representative verified it was received and began my dispute of fraudulent activity. The equifax confirmation number for this is # XXXX. 

I called equifax fraud department on XX/XX/XXXX to dispute fraudulent information on my credit report. When I spoke to 3 representatives I was told they can not view any of my documents including my FTC report and I can not dispute fraudulent information. 

The fraudulent information are : Inquiry XXXX, XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Account-XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account # XXXX I am asking Equifax to delete the fraudulent information as stated above immediately
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX  that is called First Access card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
I previously reported this company for fraudulently reporting false information to the credit bureau and received a response that it would be corrected. 
I just pulled my credit reports and First Access has now updated the bureaus that the account was closed XX/XX/XXXX of XXXX. I have made payments of {$6.00} per month with an annual fee of {$48.00} since that date. 
I called and tried to explain that this account was never requested closed by me and that if they had closed the account back in XXXX, I am owed a refund of {$560.00} that was paid within that time frame. 
If it was not closed in XXXX of XXXX, then this was fraudulently reported to the credit bureaus once again.
Product: Debt collection

I sent a written cease of communication notice along with a request for verification of debt in the form of specific account details, charges, payments, etc ... from the reported original lender/credit card company. I requested in writing that they communicate via mail only and stop all phone contact attempts. Despite the letter, they continue to call and as of this report, have not provided verification of the debt.
Product: Debt collection

XXXX is attempting to collect a debt I do not owe to it. 

I ordered internet service on XXXX XXXX, XXXX. I was subsequently sold cable television service by phone. There was a 30 day money back guarantee as to both services. On the second occasion in which I took off work to wait for cable installers that never came, I canceled the service and returned the equipment to XXXX on XXXX XXXX, XXXX which was well within the thirty days. 

I later received a bill from XXXX and called and spoke to a representative on XXXX XXXX, XXXX. After reviewing my account she informed me that all charges would be removed within 48 hours because the package had a 30 day money back guarantee and I had disconnected and returned all the equipment on time. 

Despite this representation, I next received a letter dated XXXX XXXX, XXXX from debt collection agency XXXX XXXX XXXX seeking to collect for XXXX. I responded in writing denying the debt and explaining why including copies of all relevant documentation on XXXX XXXX, XXXX. 

I never heard another word about it but learned in XXXX XXXX, when I was buying a car, that this was on my credit report but showed as disputed. 

Recently ( in and around XXXX XXXX ) I started receiving debt collection telephone calls from a new company regarding this matter. The new company is called Diversified Consultants. I have received multiple daily phone calls which have continued even after I told their representative that I did not owe this and after they have sent me a letter dated XXXX XXXX, XXXX which gives me 30 days to respond. 

At this point, I am at a loss of what to do because when I provide them a written response and evidence to prove that I do not owe this debt they nonetheless report it to credit bureaus and just send it to new companies to collect. I do not owe it and I am tired of being constantly harassed. This needs to be resolved and the matter needs to be removed from being reported against me to all XXXX credit reporting agencies. Further XXXX, XXXX XXXX XXXX and Diversified need to be penalized in whatever manner it is possible for their conduct. Specifically, XXXX failed at all points to competently handle this matter and to have forwarded it for collections not once but twice and to have negatively impacted my credit report when their own records reveal I do not owe it. XXXX XXXX XXXX failed to competently reflect this matter as a debt not owed and negatively impacted my credit report and Diversified Inc. is engaging in telephone harassment in attempting to collect a debt that is not owed and engaging in the repeated daily phone calls even though I am within my timeframe to respond in writing.
Product: Debt collection

I closed a credit card account on XX/XX/year> with AMEX and the balance was {$0.00} on that day. 2 months later they reported me as a delinquent account with a {$3.00} balance that didnt show on date account was closed. Now my credit score dropped significantly and they said theres no way for them to fix it on their end.
Product: Student loan

Payment due XX/XX/XXXX. Have been unemployed since XX/XX/XXXX. Have made payments since losing my job but simply dont have the funds. Tried to reschedule payment for a later date with a late fee attached but am being forced to enroll in forebearance or be reported to a collection agency for 1 LATE PAYMENT. Have been making payments through auto-pay for past 6yrs on time.
Product: Credit reporting or other personal consumer reports

Violation of the following : 18 USC 8.

1692 g.

809.

15 US 1692 e. 

Company sends approval emails and offers to shop, yet has supposedly closed the account?
Product: Credit card or prepaid card

On Saturday. XXXX XXXX I applied online at Capital One website for a credit increase on my Unsecure Visa Credit card as I am eligible for a credit increase as been making on time payments on time since XX/XX/2018 till Present. 
Capital One sent me a decline letter on XXXX XXXX on my credit increase. 
Capital One stated that I was decline because my balance is at XXXX and I only pay {$4000.00} a month I increase my payments to {$100.00} on XXXX XXXX but Capital One will not Approve my credit line increase because of my XXXX XXXXXXXX Status. 

Plus my XXXX XXXX as a XXXX XXXX American .Capital One has decline me on my credit card increase for two years already. 
This is a XXXX and XXXX Issues.
Product: Checking or savings account

I have tried to reach some one to discuss a charge to my account but i only get the chat option. i have had numerous charges made at a local convenient store that are not mine