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

In accordance with the fair credit reporting act XXXX, XXXX, and Capital One have violated my rights. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX ( acct ending XXXX ), XXXX  ( Account # XXXX ), Capital One< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX  COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 


I'm asking you to investigate these errors and remove any information that can not be verified.
Product: Money transfer, virtual currency, or money service

I had filed a dispute with cash app for money missing out of my account. So after a few day 's pasted by I'm waiting to here a answer about my dispute and I check my account and it has been closed so I called cash app and I talk to a representative to see why my account has been closed. They won't tell me why my account is closed so I ask them if it was cause of the dispute I had filed she told .e no. So I asked her again why is my cash app account closed then and all she would tell me is she don't know ....
Product: Debt collection

I got a summons to appear about a debt that I thought I had paid off years ago, after I had been out of work for a year due to XXXX around XXXX have paid several credit loans off, I called to set up a payment plan. They wanted XXXX , so I got a bank check from Wells Fargo and mailed it to the Law Office of XXXX XXXX XXXX in XXXX XXXX ( XXXX ). Wells Fargo, today removed the remaining XXXX $ in my checking account and created a XXXX $ overdraft. I went to the bank at noon to put a stop payment on the bank check and they refused, I paid the XXXX $ to be able to close the account, and they still refused to close the account. I would have been happy to set up a payment plan, but not after this and I will do no more business with Wells Fargo. My court date is XX/XX/19 and I'll need that XXXX $ for a lawyer. Like I said, I would have been happy to set up a payment plan, but not through Wells Fargo. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent certified mail to National Credit Adjusters , LLC to investigate an entry that appeared on my credit reports from their company in the amount of {$1100.00}. The account does not belong to me and should not be on my credit reports as National Credit Adjusters , LLC have not provided me with any legal documentation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2018, I received an alert that a new credit inquiry appeared on my Equifax credit report. I was surprised as I hadn't recently applied for a bank product or an account that would require a credit check. The inquiry came from XXXX. I immediately knew this inquiry was initiated by an unknown individual who has been using my SS # to work in the state of Colorado. I have never lived in Colorado. I immediately sent a dispute to Equifax but within a day I but when I attempted to logon to check the status of the challenge I was unable to. The account in question was set up in XXXX, Colo. I have no Colorado address on my credit report. I believe I have a fraud alert on this account as well. So, when XXXX went to verify the credit report, the discrepancy should have been noted. I have tried to resolve this with XXXX as well with no luck. I even did a second dispute with Equifax and the same thing happened when I tried to check the outcome of the investigation. I received an error message saying I am unable to access my account. 

The Colorado Department of Investigations is working on my case of identity theft in regards to the unauthorized  employment. I provide their contact information, if needed. 

Thank you for your time and help. 

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

Hello! 
I have wrong reported information on my credit report. I attach my credit reports as a proof of inconsistencies. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX. 
XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days XXXX. XXXX - XXXX XXXX : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 

TransUnion : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 


As a matter of fact there are a lot of inconsistencies.
Product: Credit card

I filed a dispute with Chase Bank, the issuer of my credit card that I used to make a payment to a merchant. The said payment transaction was made on XX/XX/2023. I filed the dispute on XX/XX/2023. I promptly uploaded all supporting documents on Chase 's website demonstrating the assurances made by the merchant and their failure in delivering services at the assured quality. 

The Chase representative reviewing the claim called me on the phone in XXXX. It seemed like they were quite keen on summarily closing the case and kept asking for documentary evidence without providing any clarity on what was lacking in the documents that I already provided to them. Also, after spending a good 10 mins on the phone, I mentioned to the agent that I need to continue the conversation at a different time because they called me while I was in another meeting. The agent did not seem too interested in discussing the matter and instead suggested that they will close the dispute stating that the charge is valid. They suggested that I should reopen the dispute if I so wish. Now when I try to open the dispute again, Chase 's website asks me to call their customer support. This seems like a big waste of time because I have already gone through the entire process without getting any adequate support. 

The Chase credit card is not cheap. They charge a substantial annual fee for the credit card. So it is quite disappointing that when it comes to providing such basic service as protecting credit card customers against suspicious merchants, Chase is failing to do so.
Product: Credit card

My wife normally pays our credit card balances every month. When I didn't receive a product I purchased or a receipt online for something I went into my Discover Card account online and in the process noticed a " payment protection plan '' fee was appended to monthly bills. I have never signed up for something like this and noticed more than {$580.00} in payments we made over the last XXXX years. I called Discover to 1. Cancel this. 2. Provide a full report on how much and how long we had been paying into this, and 3 ) to file paperwork for reimbursement. We received an email confirmation of the plan being canceled but never received follow-up on the other two requests. I called back XXXX weeks later to follow-up, was put on hold multiple times and was then told I had signed up online in 2005 and that this type of plan couldn't even be authorized over the phone. I again asked for a follow-up to history and reimbursement. The rep said she filled out forms and that a supervisor would have to review and " may '' call me back. That's where I am now in the process. I suspect Discover bilked approximately {$5000.00} over 19 years.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a late payment reported on my credit account with XXXX XXXX, in accordance with 15 U.S. Code 1666b. 

Account Information : Account Holder : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX and XXXX Creditor : XXXX XXXX I recently discovered that a late payment has been reported on my credit report, stating that I am 60 days late. I believe this reporting is inaccurate and unfair due to significant technical issues with XXXX XXXX 's app, which directly affected my ability to make timely payments. Specifically : App Glitches : XXXX XXXX 's app has been extremely glitchy, making it impossible to schedule payments properly. Despite multiple attempts, the app failed to process my payment scheduling. 

Support Delays : When I reached out to XXXX XXXX  's customer support for assistance, the response was significantly delayed. By the time support adjusted the payment schedule, it did not reflect correctly on the app, and the payment did not process as intended. 

These issues were beyond my control, and I made every effort to ensure my payments were made on time. The technical failures and support delays directly resulted in the reported late payment, which I believe should not impact my creditworthiness. 

I kindly request that you investigate this matter and delete the late payment from my credit report with all three credit reporting agencies : Experian, XXXX, and XXXX. Attached to this letter are copies of relevant documentation, including communication with XXXX XXXX 's support team and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
Product: Credit reporting

My credit report had a XXXX XXXX charged off account. The account was charged off in XX/XX/XXXX. XXXX Account # XXXX. This account was sold to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX, Equifax automatically deleted the XXXX account off my report as it too old to report. However, XXXX did n't delete the XXXX XXXX account which is based on XXXX XXXX, the original creditor.
Product: Debt collection

Sent a debt collection for a parking garage. I, personally, have never been to said garage and therefore do not owe the debt. 

Upwards of XXXX phone calls every day.
Product: Mortgage

My mortgage company Mr. Cooper/Nationstar agreed to give me an extended Forbearance period until 2024 to pause my payments however they start asking for the monthly mortgage payment by text message, phone call and written email prior to the end of the initial plan. The agreement from this company was to help me through my hardship and allow me additional time to pay. I received a written confirmation agreement and had made financial arrangements based on Mr. Cooper 's letter to me that I had additional time to pay and now they have taken it back. The company did not give me any type of written notice I was cancelled from the Forbearance plan. I am being treated unfairly, I am being discriminated against due to my race, Fraud is being committed against me with their deceptive practices saying they are allowing additional time but then sending me notifications for payment. I called the company and the phone hung up on me twice.
Product: Credit reporting or other personal consumer reports

Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my XXXX XXXX and prevented me from doing much as I am no shackled. Normally I am not XXXX to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX  error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.
Product: Credit reporting or other personal consumer reports

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company SYNCB/PAYPAL ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Product: Money transfers

I sent money to the bank XXXX XXXX XXXX in XXXX to buy a house with XXXX XXXX in XXXX. The date of this international wire transfer was XX/XX/XXXX. This company/Realty Agency, XXXX XXXX, said that they received the money of {$130000.00} ( in XXXX XXXX ) on XX/XX/XXXX, but they returned that amount to me on XXXX. The reason for the Return/Devolucin was : they wanted me to send it again to another account ( the one that I opened in XXXX as a XXXX ). I am an American citizen and the bank from were I did the international wire transfer on XX/XX/XXXX is TD Bank. 

I have no way to know for sure if what the Realty Agency XXXX ( represented by XXXX ) says is true. I have a letter from them, but how can I tell if this document is real? According to XXXX, the return of the money ( XXXX ) really happened, but the bank XXXX in XXXX, XXXX, ca n't tell her were it is. The bank XXXX ca n't trace it have not been very helpful in this matter. For this same reason, XXXX, from the XXXX XXXX, ca n't give me any information and certainty about date when I will get the money of the Return. Direct Consequence of this, I ca n't go to XXXX for the closing of the house. 

Here some information of the bank in XXXX, XXXX and in regards to the recipients account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Recipient 's Account : XXXX ) I called to XXXX in XXXX, XXXX, today XX/XX/XXXX, because I started to feel very nervous ( You never know if the people involved in this transaction can be involved in some criminal activity. I hope not, but ... ) I told to the XXXX bank in XXXX that I was a customer and that I have a document Letter of Return/XXXX to see if I could trace the money. They said to me that they ca n't do a trace. I try every kind of argument ; I try to find more help, such as finding an office from the bank XXXX in XXXX that deals with urgent matters like mine, or with an untraceable international wire transfer. 

In the other hand, here in NY, after XXXX attempts with the TD Bank from XXXX, from were I did the transfer on XX/XX/XXXX, I decided to go to a different TD Bank, XXXX close to my job in XXXX. I went today XX/XX/XXXX to the TD Bank in XXXX XXXX and XXXX XXXX. Finally, on my XXXX attempt trying to get some hope and information, this branch in XXXX were able to do a Request and investigation regarding this international wire transfer ( XX/XX/XXXX ) and possibly about the Return of that sume of {$130000.00} ( XX/XX/XXXX ). The people who helped me are XXXX XXXX and XXXX ( XXXX XXXX XXXX ). The information related to the request of investigation to trace the money is : XXXX ; XXXX XXXX is in charge of this case. Here phone XXXX ) Both banks CA N'T TELL ME RIGHT NOW WHERE THE MONEY IS. PLEASE, HELP ME TRACING IT IN CASE SOMETHING CRIMINAL IS HAPPENING WITH REALTY COMPANY, XXXX XXXX in XXXX, XXXX. Thank you
Product: Credit reporting or other personal consumer reports

These accounts was open fraudulent without my consent please remove them from my credit reports. 


XX/XX/XXXX please remove all accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled to transunionplus.com for credit disputes and my credit score.when I got into the credit report my 2 disputes in the trans union credit report were deleted.Well, XXXX was but XXXX wasn't or if it was it was immediately put back on my credit report at trans union.I  selected by mistake a option 3d for 3 bureau scores on transunionplus.gov combined into 1 score from all 3 credit reporting agencies.sorry, transunion is only supposed to provide a score from their trans union.bad software trickery window there.so my score was XXXX and after the 3d score option my score went to XXXX? that means the end for me.my XXXX per month.fee for joining trans union flushed down the toilet.Eh.3 combined. Credit bureaus making a total of the scores of all 3 credit reporting agencies divided by 3.
Product: Debt collection

I recieved a collection notice didnt have comed since 2007
Product: Money transfer, virtual currency, or money service

A check in the amount of {$3500.00} was sent on XX/XX/XXXX via certified mail to the XXXX XXXX XXXX XXXX. The check was signed for and then cashed fraudulently via Bank of America. Our company 's bank is XXXX XXXX XXXX They have reached out to Bank of America on numerous occasions. The dates listed are the inquiries XXXX XXXX XXXX has reached out to Bank of America : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Responses at first were that they were behind. Now they do not respond. I have already filed a report with the United States Postal Service. I do have an affidavit from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian in regards to the fraud that was being committed by reporting that I have late payments on my consumer accounts, also known as my credit report. For months I have called, sent letters, and till this day have yet to get this removed from my report. Since this was a consumer transaction that used my credit card ; my social security number, it should not have a late payment as my report should not contain factual information arising from a consumer transaction. This also infringed upon my rights as I never gave Experian the written permission to furnish this on my report as well. I feel that I am being unfairly taken advantage of. 

I am who I say I am and this is not a third party filling out this complaint. 

attached you will find exhibits to further my complaint.
Product: Debt collection

On XX/XX/2019 I verbally requested and also faxed a request to XXXX XXXX for a transcript of all conversations and also all correspondence between S & N and us. She transferred me to XXXX who informed me that they would not do that without a request from a lawyer. Our HUD advisor told us it was not necessary to have a lawyer and it was our right to receive this information. As of XX/XX/XXXX it will be 30 days since request was sent and I demand that this information is sent to us within the 30 day guideline. XXXX can be reached at XXXX XXXX or XXXX. We have made several offers take care of this. We were totally unaware that they continued to charge us 10 % interest during the time post bankruptcy that this loan was dismissed. We had tried several times to get the loan interest lowered which at the time loans were at 3 % but we were underwater with the loan as the home market plunged within months of this loan. This is what forced us into bankruptcy. These greedy banks have been unreasonable. Our loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to see why my balanced jumped from {$1500.00} to {$2500.00}. The customer service rep advised that my 18 month XXXX  interest was up. I informed him that I was never told that the interest from those 18 months would accrue, or else I would have never signed up for this credit card. After speaking with a supervisor, he said he would remove the {$1000.00} of interest if I paid the total that day. I told him i was driving and once i get home, i will pay it. I arrived home and called in with my credit card information. After a month ( XXXX ) gone by, i received another statement with the {$2500.00} total. I called and asked why my card wasn't charged. They accused me of not calling in. So i asked to speak to a supervisor. The customer service agent advised he would have a supervisor call me as soon as possible. Another month goes by ( XXXX ), and I am informed that my account is in collections ( which has lowered my credit score immensely and now i can apply for a car that i desperately need for work ) and I have accrued two months of late fees on top of it. I know owe hundreds more due to the lack of communication and customer service support. They are trying to continue to scam me so I can continue paying them. They are trapping me into this account. When I called today XX/XX/XXXX, the call went straight to the collections department, which i was not aware it was in collections. XXXX ( customer service agent ) advised that she attempted to transfer my call to a supervisor in customer service and they refuse to take my call, let alone talk with me. She advised that they wont help with anything and will not speak with me. What kind of customer service is that? I would like to see something done immediately. They have literally ruined my credit score ( credit from XXXX to XXXX ) so i am unable to purchase a vehicle for work. Please contact me as soon as you can. Thank you for your time.