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

Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that Experian, XXXX And XXXX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute.

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same and inaccurate. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. 

This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was discharged in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. 

It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
Product: Debt collection

regional acceptance corp. has illegally updated collection account by submitting false payment dates and activity on account. Its reporting the account to be180 days defaulted as of XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX the account display current. XXXX thru XX/XX/XXXX account display 30 to 180 delinquent. The account was in a chapter XXXX bankruptcy filed XX/XX/XXXX and was dismissed on XXXX XXXX for non payment. after carefully looking at my credit report I noticed regional acceptance corp. enter a date of last payment received XX/XX/XXXX on one credit report then reflects a charge off as of XX/XX/XXXX but then change close account date as of XXXX this information has been altered re-aged on credit reports far back as XX/XX/XXXX.no data entry between XX/XX/XXXX thru XX/XX/XXXX on my XX/XX/XXXX credit report but shows me 180 days delinquent in XXXX credit report during that time. the fair credit report act says the original first date of reported delinquency and after of no current status 7 to 10 years the negative information should be removed. The state of New Jersey statue of limitation is 6 years. I am beyond the required time this account is outdated and needs to be removed quickly.
Product: Debt collection

Multiple occasions throughout the loan, when I have fallen behind, and the company has admittedly violated the Fair Debt Collection Practices Act. The company has called me up to XXXX times an hour, daily. The company has emailed me 3 times a hour daily. The company has disclosed my account status to a reference on my loan. When I called the company to complain, the supervisor listened to the call, agreed it was a violation and gave me a XXXX month extension to smooth things over ( I believe this was XX/XX/2022 ). Per the FDCPA, more than 7 calls a week can be considered intent to annoy or harass.
Product: Mortgage

Freedom Mortgage has failed to report the correct loan # XXXX status which was paid-off back in XX/XX/2019. I will attach the latest credit report which was generated today XX/XX/2019. 

All I am asking for is for Freedom Mortgage to report my loan status correctly and it is being ignored again XXXX  months now and still not reported correctly.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

There is information on my credit report that does not belong to me that is the result of identity theft. The account is from XXXX XXXXXXXX.
Product: Credit card

I was charged {$990.00} on XX/XX/year> by a company called XXXX to my debit card/Visa linked to my Checking account. This was the total from 4 transactions. I immediately disputed these four transactions with Wells Fargo. They have declined my dispute. However, these are not my charges. I did not authorize them. Wells Fargo has refused to assist me with this issue.
Product: Credit reporting or other personal consumer reports

I noticed that certain items are incorrect and need to be updated or deleted. XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXXXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX XXXX Balanced {$0.00} This account is inaccurate please delete. XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first paragraphs detail the incident. The last few detail the damages caused by Capital One. 

On XX/XX/2020, I was making several orders on walmart.com for grocery pickup. Walmart allows you to modify your order until XXXX XXXX  on the day of delivery. When I tried to add a few items late on XX/XX/2020. My account was restricted and I could not complete the transaction. 

I called CapitalOne 's customer service and the representatives CLAIMED that he removed the restriction. I waited a few minutes to make the transaction to update my grocery selection ; however, my card was still restricted although the representative said that he removed the restriction. 

I called CapitalOne on XX/XX/2020 to remove the restriction. They stated that they can only remove the restriction if I put in extra effort liking writing a letter and providing my drivers license number and then I have to wait 7 to 10 business days. 

This is an unfair business practice. They can restrict my account within seconds, but it takes 7 to 10 business days to remove the restriction. 

I also have damages. In addition, I usually get 5 % cash back when I use the walmart card. To complete the transaction, I had to use another credit card. CapitalOne should reimburse me for the lost 5 % cash back for that transaction and future transaction at walmart.com due to there unjust restriction, a restriction that should have been removed especially since they said it was removed and I verified my identity. 

Another damages are that I had to lose time from work and suffer emotional distress. I should be compensated for my time in some fashion. Please choose an appropriate remedy.
Product: Credit card or prepaid card

An account was opened in my name fraudulently. I was contacted and informed that because I did n't know who open the account, I had to pay the account regardless of it being fraudulent. Otherwise It will ruined my credit. Out of concern I paid the card. The person who open the account in my name confessed, I filled a police report and informed the credit card company. I also provided them with the police report. They stated that because I paid it, they can not do anything about it. I want the information off my credit report as I did not apply for the account.
Product: Credit reporting

I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense.
Product: Debt collection

Caine & Weiner Company, LLC i s in violation of the FCRA and the State of Floridas FCCPA and is subject to financial penalties as outlined by state and federal laws. It is illegal or you to continue to report this inaccuracy to all credit bureaus. This letter is also to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine ; you have provided no legally binding reference outlining your right to pursue any collections activities. I only know of this account based on it being reported in my credit rep ort ( s ). I  have never been notified by mail of the validity of this debt and have never received verification in writing following disputes that have been filed.
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. 
XXXX ( Original Creditor : 11 XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2018 stating they we're going to place a levy on my bank account if I didn't pay the amount owed. I called and paid in full the amount on XX/XX/2018. They assured me they would notify my bank of the release. On XX/XX/2018, they placed a levy on my account even though the full amount was paid 57 days earlier. No release was ever sent to my bank. I suffered declined transactions, and reversed transactions through my bank along with fees. This is unacceptable.
Product: Checking or savings account

On Thursday, XXXX XXXX around XXXX I made a cash deposit of {$4000.00}. The machine spit back some of my cash which I retrieved however the remaining balance of {$3000.00} was spit out but once I went to grab it snatched the money back into the machine without applying to my account. I need my funds back immediately! There was another gentleman who approached me and said he just had issues with the same ATM machine and called the bank. He handed me the slip with the phone number to call. Since there were so many people lining up behind me I left and called the bank to advise of the issue and was told the claim was filed. Now it is days later and I do not have credit nor access to my {$3000.00}. I am livid! I have banked with BOA for years! Help me retrieve my funds. I do not have money to give away freely. How difficult is it to determine as my card was still in the machine when it sucked up my money. I called Friday to ask a branch manager for help. Still nothing and no money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made 2 transfers. Their tracking numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In each of these transfers, I agreed to pay {$4900.00} ( plus a {$2.00} fee ) at exchange at a rate of {$1.00} USD = XXXX BRL ( Brazilian reais ), so that each recipient would recieve BRL XXXX. 
This was a bank deposit ( not cash pickup ) and my payment was made with debit card immediately. Each transaction has a status of " Completed '' with its respective receipt showing what I've just described ( {$4900.00} paid ; {$1.00} USD = XXXX BRL ; supposed payout BRL XXXX ) However, in actuality, only BRL XXXX were deposited in each of the recipients accounts in each of the 2 transactions. Each transaction is missing XXXX XXXX. 

I had contacted Western Union for an explanation or solution. After first I was told that the missing portion of the payment was placed on a " secure hold. '' When asking for clarification on what a " secure hold '' meant, I was then told that it ACTUALLY was deficient " probably because of taxes and fees of the receiving bank, maybe. '' In the end, they said that the payout is just an estimate [ and they can pay whatever they want, after I agree and send money. ] The recipient bank says there are no fees or taxes taken out, nothing is deducted on their end. This is corroborated by the fact that no other international transfer service has mysterious deductions from their transactions -- only Western Union. The Western Union transfer rate did not fall between payment and delivery of the deposit, it actually went up slightly. There is no explanation for why so much money is missing. It can not be from rate fluctuation. The rate was XXXX BRL when I paid and was XXXX BRL when the money was deposited the following day. 

No other money transfer service operates like this. There is no accounting from Western Union regarding EXACTLY what happened to the rest of the money. It appears that Western Union believes they can make a contract for a money transfer, take the payment, and then unilaterally change the payment amount to whatever they feel like paying without any oversight, specific explanation, or consequence. To this day, they can not provide evidence on why the payout deviates so much from what is shown on the receipt. I would never have agreed to engage in a transaction with this company had I known that they arbitrarily change the contracted payout amount after execution. 

I am attaching the transaction receipts showing what we contracted.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

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

I have reached out to XXXX, XXXX, Equifax, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit
limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Product: Debt collection

I have paid this. In person in full. XXXX made me pay it in order to hook up service at a new residents. They keep assuring me it will be removed and keep letting me down they tell me they will have a manager call me and no one calls me this happened five times I 'm really tired of this I paid these people and they have no record of anything! XXXX told me that I did not owe anything and they would send me a letter to send to the collection company stating that the debt was paid and not a debt any more! i 'm still waiting for a letter that was supposed to come last week I 'm not holding my breath.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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: Prepaid card

The charge is fraudulent they keep denying my dispute without verifying with the merchant if the charge is fraudulent XXXX has no record of the transaction and cash app is denying the charge which brought my account negative