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

XXXX seperate letters were sent to XXXX, XXXX, & XXXX by certified mail. 
Most recent date being XX/XX/year>. 
These letters I sent were requesting proof this account had been verified or deleted because I have not contracted with ProCollect Inc. I have not received proof of verification of debt by any Credit Bureau or company. 

I reached out to ProCollect Inc by phone & they would not provide me with any info to the validity of the alleged debt or chargeoff unless I paid them XXXX which is extortion. 

I would like for this account to be removed as many of the consumer rights have been violated by ProCollect Inc & XXXX  XXXX  credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$9500.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have received XXXX  hard inquiries on my account that are not me. 
Between XX/XX/XXXX and XX/XX/XXXX under the name comenity XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have no idea where this transaction originated. It comes up on my account as ATM/ACH DEBIT XXXX PAYPAL INSTANT XFER for {$69.00}. My credit union could not track the company or a phone number - the trace # is XXXX - i contacted Paypal and they have not returned my messages or phone calls. The credit union said it looks like some kind of recurring payment but for what I have no idea. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Freedom Mortgage lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at Freedom Mortgage but was never processed. When we discovered our payment had not cleared the XXXX XXXX my wife call Freedom Mortgage. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with Freedom Mortgage : 1. 13 phone calls with dates and names of Freedom Mortgage representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing Freedom Mortgage has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was XXXX we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX XXXX XXXX was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other Freedom Mortgage customers aren't put through what we have been through. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Ms. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Transunion again went silent.
Product: Credit reporting or other personal consumer reports

It originally took place on XXXX. Their system took out XXXX exact amounts to pay my bill. They are showing the amount as a charge off, instead of fining my payment and applying it to the balance. I just received a XXXX telling me this is income. When fact it was XXXX exact payments which one I asked to be returned though my bank. The other was to be used to pay off the card balance. They claim they can not find the payment. I sent proof to them of the payments. I should not be charged this amount as income.The amount was XXXX, twice taken. The XXXX form shows XXXX. Please help to get this fixed..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made three separate requests for Equifax to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Equifax to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) XXXX has cleared two of the original derogatory remarks for which they can not provide verifying documentation. However three such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you immediately block and remove the following negative items from my credit report : Account Name : XXXX XXXX XXXX XXXX Potentially negative months Account Number : XXXX  Account Type : Secured Card Date of Account : XX/XX/XXXXXXXX  Open/Closed : Closed Status Account charged off. {$420.00} written off. {$120.00} past due as of XX/XX/XXXXXXXX  Status Updated : XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Type : Debt Buyer Date of Account : XX/XX/XXXX Status : Collection account. {$2200.00} past due as of XX/XX/XXXX Status updated : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account type : Collection Date of Account : XX/XX/XXXX Open/closed : Closed Status : Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX  The fraudulent items listed above are not authorized by me, and I have never had any association with these accounts. In accordance with the Fair Credit Reporting Act, I am entitled to have this information blocked and removed immediately from my credit report. Enclosed, I have provided the following documentation to verify the identity theft : A copy of my government-issued ID ( e.g., driver 's license or passport ). 
A copy of an identity theft affidavit. 
Proof of residence, such as a utility bill or bank statement. 

A copy of the relevant sections of my credit report, highlighting the fraudulent items. As stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), you are required to block the reporting of these items within four business days of receiving this notification, and I expect that my credit report will reflect these changes promptly. Please send me written confirmation once these items have been blocked and removed from my credit report. I look forward to your prompt resolution of this matter. 
Thank you for your attention to this urgent request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was transaction of {$9600.00} debited from my Citibank Savings account on XX/XX/XXXX and another transaction of {$9000.00} was debited from my Citibank Checking Account on XX/XX/XXXX as well. These transactions are neither approved nor recognised by me. Upon inquiring Citibank claimed that " returned unpaid '' checks for these amounts from unknown user were deposited in my account ( There is no history of these deposits which they say happened in XXXX. I am a XXXX  resident and have not been to XXXX  in the past many years. They said that they need to inquire on how the debit happened.. but never got back to me. It is already more than XXXX  days. 

I am attaching the Fraud checks that Citibank says that they were deposited into my account ( but they do not have any credit transactions for this ). But, since these checks were bad.. they debited from my account.

To summarize, they debited money from my accounts claiming that they credited Fraud checks ( but in reality there were no Credits .... .only debits happened )
Product: Checking or savings account

XXXX account was hacked XXXX dollar was sent out to a account/merchant call XXXX. 

I did not authorize these charge as they were fraud. I report these charge to huntington bank, yet they refuse to honer my claim stating it was authorized by me, yet I contacted XXXX and they stated that the fund that this account was sent to is frozen for fruad and to contact my bank to reverse the transaction as XXXX does not do refund on their own and that my bank which is huntington bank must do a chargeback for the fund to come back. But huntington bank is stating I have authorized and is denying my fraud claim to which I can't recover my money. 

Why can't huntington bank reverse my money when XXXX is allowing it and have already alert on their side that these are fraud transaction occurred? 

I contacted huntington bank and XXXX, huntington bank themself have NOT asked me to send any information to them or have huntington bank contacted XXXX too as I have called XXXX to confirm if my bank have called to ask for any information regarding the fraudulent charge. 

Why is huntington bank not investigate my fraud claim?
Product: Credit card or prepaid card

My monthly payment for my Chase credit card ending in XXXX due every XXXX of the month. I pay every month on time. Now on XX/XX/2018, I made an online payment of XXXX at or around XXXX. On XXXX XXXX I get a text message that says my payment was not received. I log in to my account online and see I was given a XXXX late fee. I go back to my previous payment that I made XXXX XXXX and noticed I didnt get a late fee for that payment but it was due XX/XX/2018. I call their customer service to find out the agent claimed to refund the fee and says it should not affect my credit report. Now this is my issue one I have paid my bill on the XXXX many of times and never received a late fee, secondly and most importantly your website specifically states if your payment is made between XXXX et well credit your account for the date you choose, but you might not see it for 1-2 days. Now explain why I got a late fee again? I also have my confirmation email from scheduling my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX- I have been trying to do a better job at monitoring my report. I have requested that all 3 Experian, XXXX, and XXXX remove any negative reports that have been on my report for 7 years or more which Seven years is the length of time that many negative items can be listed on your credit report, as defined by the Fair Credit Reporting Act. I need this to be resolved so I can move forward in a positive direction.

Also - The significant difference in my FICO score some offering credit score only use certain agencies to make a judgment on how one appears according to their credit. I do my best to monitor each day the changes to my credit. My XXXX shows me at XXXX my XXXX is XXXX and my Experian score is XXXX However, when I look at my FICO score under additional scores for Experian- it shows a XXXX in regard to purchasing a home which is my ultimate goal. It also says ( As of XX/XX/2020 ) so this hasn't updated in 2 years? 
I also follow my FICO score with my Bank and they are showing my FICO score at XXXX. 

For those of us like myself who are doing what we can to rebuild our credit I am seeing that updates are not being made properly which leads to denial for First time home buyer Loans and Just ends up being a negative hit to my report yet it clearly says last update was 2 years ago? How is this fair to any consumer who is doing their best to have a better life? The problem needs to be resolved so those actually trying have a real chance. 

Please update my information and resolve these issues. 

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

Equifax violated my consumer rights under title 15 USC 1681a and 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a chevy XXXX  in XXXX, the account was finalized in XXXX and paid in full, XXXX just reported XXXX late payments in XXXX for an account that is closed and paid in full.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

My original dispute letter was sent XX/XX/2021 by certified USPS mail. I called Equifax in regards to my dispute letter and inquired about any recent activity with my credit file. The representative that I spoke to on a recorded line calmed to that she doesn't see anything regarding my previous dispute in the system. When I asked her to look up this information more carefully, I was placed on hold and eventually disconnected from the call. I called back again and tried speaking to another representative to help with this issue further, and again placed on hold then shortly after disconnect again and was connected to a survey where I gave a thorough review of my experience with this call. 

The accounts that I specified on the dispute are as follows : 1. XXXX acct # XXXX - I previously disputed this account and it was never verified by the creditor but still remains on my credit report. 

2. Collection acct Unknown ) acct # XXXX and a balance of {$87.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

3. Collection acct Unknown ) acct # XXXX and a balance of {$66.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

4.Collection acct Unknown ) acct # XXXX and a balance of {$33.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

I'm calling for these accounts to be properly deleted from my credit report due to the inaccuracy of the information. Also, the very fact that Equifax has failed to properly investigated my dispute and acknowledge a response by 30 days once a dispute has been received.
Product: Checking or savings account

SQUAREUP POS holding our money, don't let us deposit the money customers pay our service to our business bank account. Unable to contact customer service. Call customer service 10 times a day for 4 days but nobody answer only robots. Violation holding our money 90 days without asking for permission or any clear explanation.
Product: Credit card

I have made multiple attempts to have capital one stop furnishing accounts that they closed due to reporting a credit billing error. Its illegal to close my accounts and continue to collect payments while in a billing error status! I feel like im being extorted! I have been charged late fees and have continued to be billed! Violations of 15 USC 1666 ( b ) ( 2 ), 15 USC 1666 ( e ), 15 USC 1666a, and 15 USC 1666 ( b ) ( a )!. Also violations of federal regulations 12 CFR 1026.13 ( d ) ( 2 ), 1026.13 ( d ) ( 3 )! The CFPB continues to close my accoutns with no resolution in favor of me the consumer! These are the laws and the federal regulations that have been ignored! I have attached each prior complaints and the responses from capital one disregarding the LAW! I WANT THESE ACCOUNTS TO DISCONTINUE BEING FURNISHED ON MY CONSUMER REPORT! CAPITAL ONE DID NOT FOLLOW THE STATUTES OR REGULATIONS PROVIDED BY THE FEDERAL GOVERNMENT! ITS RIDICULOUS! CAPITAL ONE CAN NOT RESTRICT OR CLOSE MY ACCOUNTS WHEN A CONSUMER REPORTS A BILLING ERROR, THEY DID. THEY CAN NOT CONTINUE TO COLLECT PAYMENTS, THEY DID! THEY CAN NOT CONTINUE FURNISHING THESE ACCOUNTS TO THE CREDIT REPORTING AGENCIES DURING A BILLING ERROR DISPUTE, THEY DID! SOMEONE PLEASE EXPLAIN WHY CAPITAL ONE DOES NOT HAVE TO ABIDE BY THESE EXACT LAWS AND REGULATIONS! I EXTENDED MY CREDIT AND HAVE BEEN UNABLE TO BENEFIT FROM IT! I HAVE ATTACHED AN INTENT TO SUE LETTER WITH ALL EVIDENCE OF CAPITAL ONE BEING WILLFUL AND KNOWINGLY FURNISHING THESE ACCOUNTS WHILE DISREGARDING THE LAW! THEY REFUSE TO SAY EXACTLY WHAT " BEHAVIOR '' WOULD SUPERSEDE FEDERAL REGULATIONS ALLOWING CAPITAL ONE, BY LAW, TO CLOSE MY ACCOUNTS AND CONTINUE TO COLLECT PAYMENTS, AND FURNISH THE ACCOUNTS ON MY CREDIT REPORT! AND RESTRICT ACCESS TO MY RIGHT TO MY OWN CREDIT!
Product: Credit card or prepaid card

I applied for an American Express Delta SkyMiles Gold credit card in late XX/XX/2019 which was accepted ans an account was opened in my name. I applied for the card in part because of a welcome offer they had stating that they would apply a statement credit of 50 % up to the amount of {$300.00} for purchases made directly with Delta within the first three months of the opening of the account, when using that card. 

On the XXXX XX/XX/2019, I in good faith, purchased a hotel stay on the XXXX website in the amount of {$690.00}, in the knowledge that I would then see a {$300.00} statement credit applied to my account in due course. 

After nearly 3 months of waiting for the credit to arrive I contacted AMEX early XXXX to ask where the credit was and when it would be applied. I was told at the time of inquiry, that I was eligible for the offer and I should wait a few more days for the credit to arrive. After more probing of their customer service team via their customer service instant chat facility, I was told the next day or so that I had not made a qualifying purchase and therefore not eligible for the offer after all. 

Before making the booking directly on the XXXX website, I had read the terms and conditions of the offer provided carefully to ensure I adhered to every stipulation laid out in the complete terms and conditions provided by AMEX to make sure I would indeed qualify. 

Apparently and unbeknownst to their customers AMEX considers hotel bookings purchased through the XXXX website as a 3rd party transaction. Even though I did not deviate from Deltas website, nor did I know I was purchasing a service from anyone else other than XXXX, I somehow fell foul of a clause that was not stipulated in their legal terms of the offer. The lack of providing this information in their T & Cs is at best, negligent and at worst, fraudulent! 

I wish to receive what is rightfully mine, my {$300.00} statement credit. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.
Product: Checking or savings account

I received a solicitation to open a new account at Discoverbank. The solicitation was offered as a result of my family 's ties to the XXXX XXXX XXXX XXXX XXXX ) It 's my recollection that I received the offer in early/mid XXXX to open an account. I submitted the application in mid/late XXXX. In return for opening the account and meeting three criteria, Discoverbank promised to deposit a {$50.00} " bonus ''. The three criteria were : ( 1 ) insert offer code = XXXX on the initial application, ( 2 ) make a deposit of {$500.00} or more and ( 3 ) keep account open and in good standing for 60 days. I confirmed with Discoverbank representatives on several calls that the conditions were met, including a call that occurred on X/X/17 ( date > 60 days since initial application completed ).
The representatives were professional. However, over a series of calls, representatives tried to appease me by saying the {$50.00} bonus would likely be received at any time - but they didnt know. It was just a guess on their part. On XX/XX/XXXX, the representative submitted a " dispute '' on my behalf, which I assumed initiatied a series of processes which would cause some " backoffice '' personnel to research the reason my {$50.00} wasnt deposited. Despite 3-4 calls over the next 3 weeks, including a final call on XX/XX/XXXX, no bonus has been deposited. I selected the final call to be XX/XX/XXXX since Discover committed to completing their research within three weeks of the initial dispute n XX/XX/XXXX. In summary, I 've come to realize that the promise to deposit {$50.00} may not actually happen. The representatives promise to call me back but their failure to do so indicates to me that they dont have answers and dont want to ( or ca n't explain ) why the {$50.00} has not been deposited. I have deceived. The offer succeeded in getting me to open an account but did not deliver on its promises to submit the bonus payment. I do not feel like I have any recourse to get my money since I 've invested several attempts to resolve the situation ... ... and I failed to do so.