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

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXXXXXX for the account number XXXXThe late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Credit card

I have reached out to First Progress Card ( Synovus Bank ) because they are inaccurately reporting an account as a current charge off in XXXX and XX/XX/XXXX but the account was closed and paid in XXXX. I reached out to First Progress to have this corrected. They stated they updated my credit report but did not correct my XXXX report. I have been waiting for over 30 days for this correction to be made and at this point I have missed out on opportunities to open a checking account and other credit products because this reporting that First Progress admitted was incorrect has dropped my credit score by over XXXX points. This unfair reporting is now impacting me financially. I have filed a credit dispute and filed with the BBB with no correction to my report. Attached is the letter from First Progress admitting the information was inadvertently reported. Please delete this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Checking or savings account

I created a bank of america account and the next day it was closed for no reason.
Product: Debt collection

The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my boyfriend sent me {$500.00} to my cash app XX/XX/XXXXXXXX. I no longer have access to the phone number associated with my cash app. I had to create a new cash app account XX/XX/XXXXXXXX to even contact support. I tried to get access my old account via email with cash app support. I verified everything they asked me to verify and was still told that for security reasons my request to access my old account was denied and that the decision is final. I repeatedly asked cash app support what steps I need to take to recieve the money that was sent to my account and to have my ticket escalated to a supervisor. They kept stating there is no additional information and that they would close my support ticket. My boyfriend ( the sender ) also put in multiple support tickets trying to get refunded for the {$500.00} since they would not give me access to my account. He was told that I would have to contact support on this issue and that there is nothing he can do on his end. I read under cash apps terms & conditions that when a peer-to-peer ( P2P ) transaction is initiated cash app can hold the funds until the payment is accepted or refused but not more than 14 days and that after 14 days by law they must return the payment to the sender. So we waited 14 days and then my boyfriend put another support ticket in to see why the funds were not returned to him. Today XX/XX/XXXX he spoke to a cash app rep XXXX who told him that since the payment was accepted he could not recieve his money back and that I would have to try to get the money from my account. I have been reaching out to cash app since XX/XX/XXXX trying to get my money. I am not able to get in my cash app to accept any payments nor cash out the balance in there. Once you recieved money from a sender you no longer have to accept the money it automatically deposits in your cash app. So being that this was not the first time he sent me money the {$500.00} would automatically be deposited in my account. I have a picture on my XX/XX/XXXXXXXX account I know the phone number associated with the account ( I just no longer have that phone number ) I have the same bank card and banking information from the account as well. Cash app is telling me that there is nothing they can do and I can not access my old account. Cash app is telling the sender there is nothing he can do to get the money back. So my {$500.00} is just sitting in the cash app platform and that is not acceptable. I need help accessing my money that was sent to me. I can verify anything you need to know. I have emails from me and the sender reaching out to cash app multiple times trying to get a resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove any information resulting from identity theft upon request. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX  - XXXX - XX/XX/XXXX - {$150.00} XXXX  - XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My on phone number is XXXX My only place of employment is XXXX  XXXX. 
Please remove all other information
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX I have written numerous letter to get some debts that are NOT MINE of my report. I feel as if all I am getting is the run around, and once again it is feeling the same thing with the last report I filed. TransUnion claims they sent me a letter ( which I have enclosed with this complaint ), and they did indeed. The letter was dated for XXXX, so I would have received it approximately a week after the dating of the letter, which would have been about the XXXX of XXXX. I had sent the letter out on XX/XX/XXXX, and they received it on XX/XX/XXXX. Now, if I am not mistaken they had COLSED the case the XXXX or the XXXX, Either date, they had my response by this time. They always respond with some type of ... .. " We need more info, or we cant find your file, etc. I am not sure how this is, seeing as they have " AT LEAST '' a dozen writings back and forth, with nothing much done. I am enclosing the info that " THEY REQUESTED '' from me the way they requested. I want all proof that is stated in their last letter they RECEIVED on XX/XX/XXXX or XXXX of XXXX, of XXXX. I have also enclosed all the paperwork that was sent to them in their request. Thank You for your help.
Product: Checking or savings account

Opened a savings account with XXXX, a XXXX subsidiary of Santander Bank, on XX/XX/year>. Transferred money into this account on XX/XX/year> from XXXX XXXX, a subsidiary of XXXX, which posted on my XXXX savings account on XX/XX/year>. 

On XX/XX/year> the money in my XXXX savings account became available for me to move. Placed three requests to transfer money back to XXXX XXXX  on XX/XX/year>, XX/XX/year> and XX/XX/year>. All three requests were cancelled by XXXX without notifying me. 

Contacted a representative at XXXX on each occasion that I recognized that the transfer of funds was cancelled. Was initially told that they could not tell me the reason why it was cancelled but suggested I put in a second transfer request. 

Did so and it too was cancelled. Spoke with a different XXXX rep who stated that there was a " block '' put on my account but could not explain why. This rep indicated that he was removing the " block '' and to submit a third transfer request. 

Submitted a third request and again it was cancelled. Spoke with a third XXXX rep who said that the reason for the cancellation was that I submitted the third request too soon after the " block '' was removed. And this rep indicated he did not know why the block was placed on my account in the first place either. 
Requested to speak with his manager / supervisor to get a better understanding about this " block. '' Was told he could not connect me directly with one but would put in a request that would take two to three business days before receiving a call back from a manager. I the meantime he suggested that I submit a fourth transfer request to see if it would process. 

This is not how a bank is supposed to function where money transfers are cancelled without explanation, other than to retry and cross your fingers.
Product: Debt collection

I am writing to formally lodge a complaint regarding a collection record on my account that appears to be erroneous. Below are the details of the issue and my attempts to resolve it. 
Account Information : * Collection Agency : XXXXMSHER COLLECTION SERVICES * Original Creditor : XXXX * Account Opened : XX/XX/year> * Amount : XXXX * Account Number : XXXX Issue : On XX/XX/year>, I noticed a collection record on my account from AMSHER COLLECTION SERVICES indicating that I owed XXXX to XXXX. However, I have never received any written notice, email, phone call, or text message regarding this debt or my right to dispute it. No attempts were made to contact me. 

Attempts to Resolve : XXXX. Contacted AMSHER COLLECTION SERVICES : * I requested options to pay off the debt or to dispute it. 
* They refused to provide either option and directed me to contact T-Mobile with the account number XXXX. 
XXXX. Contacted XXXX : * XXXX could not pull any information regarding the account number or the balance. 
* They could not verify my identity associated with the account number and therefore could not provide any information about the debt. 
XXXX. Further Contact with AMSHER COLLECTION SERVICES : * They continued to refuse providing any information or options to resolve the debt. 
* They directed me to call ( XXXX ) XXXX for resolution. 
XXXX. Contacted the Number Provided : * The number connected me to a credit removal agency. 
* They attempted to get my credit card information for a XXXX charge and tried to sell me a $ XXXX subscription service to work on removing the debt collection. 

Concerns : * The debt collection appears on my report with incorrect or unverifiable information. 
* Neither the original creditor ( XXXX ) nor the collection agency ( AMSHER COLLECTION SERVICES ) can verify or provide details about the debt. 
* I received no prior notice about this debt before it appeared on my report. 
* I suspect my identity may have been stolen, or this is a case of mistaken identity. 
* The actions of AMSHER COLLECTION SERVICES and the credit removal agency appear predatory, as they refused to provide legitimate options to resolve the debt and instead attempted to exploit my situation for financial gain. 

Upon reviewing online feedback, I discovered XXXX  reports from other consumers with similar experiences, indicating a potential pattern of fraudulent activity by AMSHER COLLECTION SERVICES. 

I am seeking your assistance to investigate this matter and to take appropriate action to correct the inaccuracies on my credit report. I am also requesting guidance on how to proceed in disputing this erroneous debt. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a loan with CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CBNA with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
Product: Debt collection

I spoke with XXXX people at Cach LLC. The XXXX was a man who was very threatening and said my husband would go to XXXX, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.
Product: Checking or savings account

I've been getting transactions charged to my account and I've dispute all of them and yet they have done nothing to resolve any of it. I've tried everything it went back as far XXXX of 2021 till now they have looked into it seen all the transactions and said it will take up to XXXX before I could get my refund back and yet I've have seen XXXX money back. I've followed up with them and I just get hung up on or transfer to another department to another department and no one to resolve it.
Product: Credit card

I am respectfully filing another Federal Complaint against Discover Bank Credit Card who have enforced their powers with their Law firm to place a lien and levy on my home and bank accounts in which my checking and savings is under less than the minimum of about {$300.00}. 
The principal Credit Card debt amount due is {$8100.00} with late fees and court fees. 

Discover Bank Credit Card Company filed a lawsuit against me at the Superior Court of XXXX XXXX XXXX. CASE NO. XXXX on XX/XX/year> to recover the debt. 

Previously on XX/XX/year> I had filed with the CFPB about this matter. I feel that I have been discriminated and retaliated upon because I filed a Federal Complaint against the institution. 

I requested previously in the past and present to allow me an affordable monthly repayment of {$50.00} per month for my credit card debt Account # XXXX but Discover Bank Credit Card Company and their Law Firm refused to accept {$50.00} per month and required over {$200.00} per month payment but I can not afford that amount. 
My work as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many times often. The income opportunity has dwindled down significantly due to the economic crisis going on since before the COVID-19 Pandemic Crisis. I have a XXXX XXXX XXXX XXXXXXXX whom I support and provide for and an XXXX XXXX XXXX daughter in college. The cost of living and expenses is astronomical in the XXXX XXXX and seems to get worse. Help is needed. 
I am very concerned and would like an amicable resolution to this matter. 
Remove all DEROGATORY REMARKS ON MY CREDIT REPORT. 

EXTREMELY VERY URGENT MATTER!
Product: Credit card or prepaid card

I believed I made my last payment on the  card, but was not sure. After doing some investigating I requested proof of purchases and invoices. Macy 's charged my card for something I did not purchase. I thought it was maybe clothing or something smaller, i.e. less th an {$25.00}. However, the purchase was nearly {$300.00}. I have disputed this for near ly three years a nd nothing has become of my complaints to them. I am now in collections to  XXXX   XXXX   XXXX  and all they will do is attempt to collect payments. I do not owe this and have exhausted every resource and course of action.
Product: Mortgage

Although we initially applied for a home loan modification with h Bank of America over two years ago, we have never closed. They continue to jack us around. Do we have any recourse?
Product: Consumer Loan

WORLD FINANCE CORP. IS OVER THREE YEARS ACCOUNT AND THEY STILL REPORTING ME ON MY CREDIT REPORT. CAN WE DISPUTED ON MY ACCOUNT SO THIS MATTER CAN BE CLEAR.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my my credit report. XXXX XXXX XXXX  inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
XXXX credit card.
Product: Mortgage

My husband and I were contacted by Capital One around the XXXX of XXXX XXXX about refinancing the mortgage on our condo, which we bought in XXXX. During the initial interview with the Capital One representative, I shared our adjusted gross income numbers from our XXXX and XXXX tax returns. The company contact pulled our credit report and told us, based on our XXXX and credit scores and likely appraised value of our condo, that we would qualify. Over the next seven weeks, we diligently supplied them with all the documentation they requested, even though they frequently " misplaced '' our documents and mis-communicated their requirements. Today, we were informed by our contact there that we did not qualify for refinancing due to our income levels. These were the same income amounts I shared with him during our initial call. He apologized and said, yes, " if the bank had better had better systems, we would have known earlier that your income would not have qualified. '' We spent numerous hours collecting information for them as well as {$60.00} for to our condo management association for the insurance certificate. I am still mystified as to why we did not qualify as our credit situation as not changed and our income has risen since we qualified for our initial loan in XXXX. Based on the appraisal, our condo has increased in value by {$120000.00}. It is apparent to me that Capital One does not have the systems in place nor adequate hiring and training to be in the lending business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I noticed inaccurate accounts and information on my credit report and contacted the 3 credit bureaus about it ( Equifax, XXXX, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these three companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file 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