23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX service member, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my military  career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries 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

Mariner finance is reporting four charge offs for me. They show sll of them as joint account. I only am responsible for one loan in the amount of XXXX and a few dollars and they have my husbands bad loans reported as I signed. The loan charged off in my name is being reported as Im not paying monthly and it is hurting my credit. My loan was charged off as I was a co-signer with my husband. They will not remove the other reported charge offs that are not mine. I never restructured my charge off to pay monthly snd its being reported thst I keep missing payments currently. Please check documents for my signature. I havent signed for all of them. Theyre not mine and its killing my credit. Ive called them and they know I bl ever signed those loans but will not remove and continue to report me not paying my charge off monthly. Please review the documents on these loans and see Im not responsible for them and remove the three negative charge offs from my credit.
Product: Credit card or prepaid card

Ever since I opened my Macys credit card account its been extremely difficult accessing the payment website. Each time I attempted to pay my Macys card through their website, I would click make a payment then asked to add my Macys card. I would add my credit card then go back to make a payment and continue on this loop and never actually able to make a payment for several days. It usually would take me 2 weeks to successfully submit my payment. A couple of times I called, ( pre-covid ) to make a payment, I was told I would be charged a fee to make a payment over the phone so to avoid that I would again go through the process of attempting to submit my payment online. Sometimes I would have to go into the store to make a payment. Once the pandemic shut everything down I wasnt able to go into the store to make my last payment of approximately {$41.00}. I tried making a payment online and kept getting stuck in the never ending loop. I called Macys in XXXX of 2020 and received a record message that due to covid there was no one available to take my call followed by message number then a random string of numbers and an extremely loud ear piercing beep. I dont believe Ive ever been late in making my Macys credit card payments and Ive mostly been able to pay every balance due, in full. Unfortunately now that small amount due has ballooned into over {$300.00}. Theyve reported it to the credit reporting agencies & it has negatively impacted my credit. I believe Macys XXXX purposely made it difficult for customers to make a payment online which then caused me to owe more than I spent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Experian is violating the FCRA and my rights. I sent in a method of verification request for a Chapter XXXX bankruptcy and Chapter XXXX bankruptcy that says filed in 2017. Experian sent me multiple letters that it was verified by the courts. I have a letter from the court stating they do not provide that info to credit bureaus and I sent it in. I just got an alert that those accounts remains because they have been verified. Really, I sent in the paperwork. I called on Wednesday and spoke with a young man after calling 5 numbers. He now stated well maybe we verified it through a third party. Once again really you all said through the courts. So now it is ok to lie and switch up incorrect answers. This is illegal and a totally violation. They are suppose to delete those off my report.
Product: Credit reporting or other personal consumer reports

Dear Dispute Department, Im writing to formally dispute an inaccurate entry on my credit report about my account. I reviewed my credit report from [ XXXX, XXXX, or XXXX ] and found the following erroneous information : - Incorrect late payment - Fraudulent charge - Account status issue - Duplicate account The credit bureau reporting the error is [ XXXX, XXXX, or XXXX ]. The inaccurate information was added on [ XXXXXXXX  ]. 

I strongly believe this entry is inaccurate because all my payments were made on time, the account was never late, and there was no fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I request that your institution investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with written confirmation of your findings and any actions taken in response to this dispute. 

If you need any additional information from me to resolve this issue, please dont hesitate to contact me. I appreciate your prompt attention to this matter and look forward to receiving your response within the legally mandated 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, {$990.00}, XXXX XXXX Bank has violated the laws. This account was opened from identity theft / fraud. 

I HAVE NEVER GIVEN XXXX XXXX BANK CONSENT TO COMMUNICATE WITH ME. 

I HAVE NEVER RECEIVED A LETTER FROM XXXX XXXXXXXX BANK TO REQUEST A VALIDATION OF DEBT. 

EXPERIAN, PLEASE CHECK THE ( ADDRESS ) OF THE ORIGINAL DOCUMENTS AND COMPARE THE ACCURACY. I DO NOT HAVE THE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX on my Experian public address. I never lived at that address. Why is this account reporting on my credit report? 

XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt not provided me a validation of debt letter. I have requested a validation of debt. 


I AM REQUESTING VALIDATION OF DEBT FROM XXXX  XXXX BANK Section XXXX ( b ) XXXX XXXX XXXX XXXX - ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit card

My personal information was exposed to a data breach in XX/XX/XXXX and multiple fraudulent credit cards were opened up in my name XX/XX/XXXX Resurgent/LVNV FUNDING DEBT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my prior XXXX attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. 

I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX : {$610.00} /XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$87.00} XXXX XXXX  XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX  XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

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: Mortgage

I am having problems with roundpoint mortgage not dispursing my escrow money to my insurance company to pay my yearly ins premium. I have reapeatedly have called them and they have put me on hold numerious times along with lie n to me sayn they have overnighted my payment to my ins company.this has gone on since XX/XX/2019. They refuse to dispurse my money and i have well over the amount to pay it sittn there nor will they give me a explanation y..soo on XX/XX/XXXX my ins cancelled me n i had to pay out of my own pocket a XXXX dollars to reinstate my homeowners in n to keep this rgt for time being or till i can seek legal advise n consultation. I want something done about this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked Equifax to hear my dispute with XXXX XXXX XXXX XXXX regarding a " charge off '' that was paid before the alleged charge off took place. Initially Equifax advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely VA refinance on my home. 

Please discipline Eqifax and require them to come into compliance with FTC and CFPB rules.
Product: Checking or savings account

On XX/XX/XXXX I received emails stating that someone had tried to access my square business account. On XX/XX/XXXX I took the exact steps that were outlined in the email to prevent anything further from happening. I continued to get emails on XX/XX/XXXX and it showed that someone had created a checking account with a debit card and had added this debit card to XXXX and XXXX XXXX without my permission. I called Square for assistance three times. Each time they transferred me to a department that is only open XXXX XXXX XXXX  XXXX time. I had to figure out how to close the debit and check account on my own. During the early morning of XX/XX/XXXX another debit card was created. I closed that one too. I couldn't reach someone on the phone until XXXX XX/XX/XXXX. On XX/XX/XXXX I was told by Square representatives that they would need to put a hold on the account and review it. They said that they would need to hold my money for 5-7 business days to investigate. They wouldn't give me a contact person to call as to what is being investigated and who is doing the investigation. 

On XX/XX/XXXX I received 4 more emails that my account information had been accessed by someone ( not me ). I logged into my account and noticed that another checking account and debit card had been setup. I also noticed that my account balance was {$0.00} and no funds could be transferred.
Product: Credit card

Requested rewards ( XXXX Gift cards ) on my Capital One Credit cards. Capital one sent a partial order to me and the rest " supposedly got lost in the mail ''. I requested they reissue the cards that I did not receive. The customer service rep made adjustments to my account which stopped me from receiving the replacement cards. After speaking with a supervisor, she was unable to correct the adjustments made and had to escalate the correction. I was told it would take two weeks and I would hear back and get the replacement cards. After waiting 3 weeks, I called the customer service number for Capital One to get an update. Was told my issue was still sitting at this " mystery department '' to get the account corrections made and nothing had bedn done so far. The Supervisors state that I would just have to wait on my rewards and they had no idea when the corrections would be made. I ask that my call be escalated to someone that could help correcting the account and get the gift cards reissued and was told they are the highest level that a customer can speak to and that the only way to get someone else is to hang up and call back again. 

I still do not know if or when I will get my {$25.00} worth of gift cards and completely amazed that Capital One would let such a small amount lead to this level of nonsense.
Product: Credit card

I returned XXXX products that I purchased online and was to receive a full credit card refund, XXXX for {$1900.00} in XXXX and the second for {$2000.00} in XX/XX/2023. 

The merchant required I mailed them back in XXXX different boxes which I did, with USPS tracking. When I did not receive timely credit refund I contacted both to figure out why it had not been credited, as the merchant said it would be. I made a min payments ( over {$100.00} ) to keep my account in good standing, as I was told it would take few to several months to get sorted out. 

I would check out what was happening about once I month and would request what has happening and to be contacted in writing. 

Now a year later only 2 of the boxes have been credited. The last box not credited is approximately {$400.00}. I have not received anything other than your balance is due and interest and late fees are being adding. As of today the current balance is {$610.00} and late fees and interest being charged. Along with late payments being reported on my credit report. 

I am clueless what to do at this point. Can you please figure this out? The reason you use and pay fees to your credit card is to protect you from this. They have the proof it was returned and received by the merchant. So why did I only get XXXX of the XXXX refunds? All three should be refunded and {$100.00}, I paid be refunded to me. In addition, all late payment reports be removed from my credit report. I never received any thing in writing from this about this issue, so I can not provide you with anything other than billing statements.
Product: Debt collection

Pulled my credit report last week and noticed that a debt collection agency FIRST FED CREDIT CONTROL is noted on XXXX report in collections. I reached out to them on XX/XX/XXXX and gave the rep. all of my personal info they required to pull up my account. They were unable to find me in their systems. I was then told that a manager had to call me back about this situation. The manager hours later called me and stated that I owe {$120.00} for a medical bill in XX/XX/XXXX. I asked who was the original creditor and they were unable to provide this information and stated that they bought the debt from another debt collector and also did not provide that company information. So I am having trouble validating this debt and I do not recall ever getting services from the medical provided listed on the credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Due to my vehicle being totaled out, I paid the balance off for {$2900.00} on XX/XX/2019. I've reached out several times where each time a different story in reference to obtaining my title. I contacted Coastall Credit again on XX/XX/2019 to speak to someone in the title department and the representative stated XXXX was the only individual in the title department and she wasn't available at the moment. I received a call back by XXXX and was told I have to wait 60 days from payoff to see if the funds clear. I confirmed the bank has already deducted the funds from my account as to the information she started was incorrect. She then said that I could possibly retrieve the funds back however, after I called the bank, I was told that the merchant has received their funds already. XXXX then said that they have the title in hand, I asked for it to be released electronically, she refused. She stated that they're holding the title for 60 days from payoff and it will be mailed on XXXX XXXX, 2019 without just cause.