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

I am writing to file a formal complaint against XXXX regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

XXXX XXXX Balance Owed : {$660.00} I have reviewed my credit reports from XXXX XXXX Experian XXXX and XXXX and found that this account is inaccurate and is negatively impacting my credit score. I have no knowledge of this debt, and I have not received any validation of this debt from the creditor. I have previously disputed this account with all three credit bureaus, but it has not been removed from my credit reports. Despite my efforts, the inaccurate information continues to adversely affect my ability to obtain credit and fair interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the incorrect addresses from my credit file. 
They have never been used by me for XXXX or XXXX XXXX purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXX XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX on my credit report was paid in XXXX. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some recent concerns about identity theft and have been trying for a couple of months to have Experian put a security freeze on my credit reporting. I have set up an online account with Experian and despite being authenticated for an online account have been unable to process a security freeze through Experian 's portal, which indicates that I can not be authenticated and must submit by mail. 

I submitted all of the requested information in writing to Experian to process a security freeze by mail on XX/XX/2020. This submission was almost 60 days ago and I have not heard back from Experian, whose automated phone system indicates a stated turnaround of 10 days. 

I have tried contacting Experian customer service, but all that is available is an automated number with dead end call trees and no live person. I was able to process a credit security freeze with all of the other credit reporting agencies within two weeks - most electronically. 

It is clear to me that Experian is not a company that cares about consumer protection. It clearly does not want to support freezes, pushing consumers to pay for its credit lock service instead.
Product: Debt collection

Debt is stale, from 2003. 
Original debtor discharged this debt ; XXXX collection agency has failed to provide verification and that debt was sold to several different companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX Date XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXXXXXX XXXX Owed : {$770.00}, XXXX  XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXXankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, DPT EDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX OriginalCreditor : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Recently, a payment was made on the account to cover the total balance of the account for the Credit Card issued by Capital One. Capital One refused to make the credit available, citing that they would need to wait up to 9 days in order to verify that the payment cleared through my bank account. After two days, I verified the payment was taken from my bank account. Capital One still will not make the credit available, but they decided to post interest right away on the account. 

I've also reached out to XXXX XXXX who has not responded to my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters asking the credit bureaus to verify the accuracy of several accounts, these letters was sent as dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked them to send proof of their verification ( i.e. Original Signed Documents with my signature ), as well as Accuracy as to who owns the account. Experian is reporting the account as XXXX XXXX XXXX XXXX   XXXX XXXX is reporting the same account XXXX under a different name with different amounts, payments made, terms. Therefore Experian nor XXXX truely investigated, verified, and or validate any account I disputed but stated they did. Due to there negligiance it has hurt opportunities for employment housing and credit.
Product: Debt collection

Had a Walmar'st credit card and AutoPay setup with XXXX XXXX  . Walmart 's moved to Capital One as the new credit card service around the end of XX/XX/XXXX and I only received notification a few days before my credit card account was transferred to Capital One. I contact Capital One credit card service and Walmart 's Customer Service Department and got no help in trying to resolve my credit card debit of {$430.00} in promotional purchases. Capital One was trying to make me pay {$590.00} that was paid off with XXXX XXXX. I explained to Capital One Rep 's I only used my Walmart credit card for promotional purchases only and never made any regular payments Bottom line, I made several attempts over the phone to make a payment of {$430.00} BUT Each Time Capital One would not accept the payment. In addition, Capital One did not have record of all my credit card statements under XXXX XXXX  who failed to notify me of any debt owed prior to the transfer of my credit card account to Capital One. Capital One only held credit card statements for parts of XXXX and XXXX. Capital One is still charging me past due interest fees for an account that has been closed and not trying to resolve the matter that wasn't created by the customer ( me ).
Product: Consumer Loan

QUALITY ACCEPTANCE LCC continues to illegally send harassing mail to another address over theses issues to me and XXXX XXXX. I do not want any mail from them period. They owe money for illegal crimes of fraud, nothing they send will change my mind except a check to XXXX XXXX. I was a co signer on the loan and I can say they gave an illegal interest rate and broke so many loan and other regulations and their customer service is among not only the worst, buy they are very evil. Consumers beware.
Product: Debt collection

They trying to collect a debt i don't owe. The account was closed after 3 weeks of service and they trying to charge me a second month service. All the money i put dow for the device and taxes they never refunded. And now they asking me to pay more money
Product: Payday loan, title loan, personal loan, or advance loan

I am paying weekly on this title loan, and have paid more than half of my remaining balance, yet LoanMart is still reporting my account as closed/charge off with none of my recent payments or current balance. Ive disputed this with XXXX and XXXX but nothing changes. This is having a negative impact on my credit report and I would like it fixed.
Product: Checking or savings account

Complaint Details I am over my deceased family member estate. CHIME BANK was notified after her death by sending over documents, death certificate, ID, PR information. For one barely any rep is trained in these type of situations since you speak to a differently rep everyday explaining the same thing over, a few will hang up on you as if they transferring but dont when they dont know what to do. Long story short after getting that squared away a month later, closure checks finally came. Before that came they had closed the account. I gave the first case number for the account in which they let me know I can not dispute online by email any longer since they changed that process this year XX/XX/year> for everyone. So I phoned instead. Got transferred to many people again until I got a rep that lied about him opening a ticket. Found out after I called back to check the status so I spoke with another set of reps before getting one with more knowledge. Case was finally created on two disputes, each was for a {$1000.00} when a female friend of the deceased fraduently used her card for her own needs. Bad enough this girl stole my niece wallet, ID, SS card, phone, and all as personal. The young lady transferred money to her XXXX XXXX. XXXX or XXXX business days went by before checking on the status. Thats when I had to find another good trained rep that told me the case was closed bc the account is closed. I said what sense was that when they told me to dispute this account for charges but not by email. That was unauthorized transaction that had nothing to do my deceased family daughter, funeral, and her in general. Like do your job and investigate. I have not received any letter to the address of mine someone notated received an email that they all kept notating. Yet somehow they still sent it to her address or email when she is deceased and I kept telling them to notate thoroughly the case. This bank needs more training, more reps that listen. Reopen the dispute and settled this unauthorized mess. I reported even on XXXX but from the back and forth with the company responding, their was no resolution, XXXX closed the case due to no end resolution.
Product: Debt collection

I do not know who GLOBAL SOLUTION BIZ, LLC is and they continue to reach me via phone and email without submitting the proper documentation. I do not owe anything to Global Solution BIZ, LLC. They are sending me documentation of a different company that's not under their name or without an assignment contract.
Product: Credit reporting or other personal consumer reports

I requested from the three major credit bureaus XXXX, Equifax, and XXXX to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting my credit.
Product: Bank account or service

I have been a loyal customer to Capital 360 since XXXX. In XXXX, we established a Trust, and per our Attorney, ALL of our assets are in the name of our Trust, including our bank accounts at Capital 360. Capital 360 has recently offered a XXXX XXXX account. We were informed that although our current status are ALL Trust accounts, we are not able to open a money market in the name of our Trust. I asked to speak with a manager and was directed to XXXX ( Employee # XXXX ). XXXX confirmed they were unwilling/unable to open a money market under our already established Trust accounts. I asked to speak with his manager, as we are already established customers with established Trust accounts and he declared that there was no one else for me to speak to regarding the matter and that I could periodically check back for changes in their policy. This refusal to open a money market account in the name of our Trust, considering we already have XXXX other accounts in the name of our Trust, appears to be random and discriminatory towards people who elect to have their financial affairs in order. XXXX insistence that he has the final say in the discussion of this inane policy was ridiculous, and this matter needs to addressed ensure inclusivity -- especially to established customers!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXXXXXX  in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have been in dispute with XXXX XXXX and Experian about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX momentum XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards mr and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to the credit reporting agencies continued failure to correct inaccurate information and their deliberate stalling tactics in resolving my disputes regarding an account from XXXXXXXX XXXX XXXX Account # XXXX ). Despite multiple disputes submitted to XXXX, Equifax, and XXXX, this account remains inaccurately reported and inconsistent across all three credit reporting agencies. XXXX reports the account as XXXX XXXX - XXXX XXXX and settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX reports the account as Paid and legally settled for less than the full balance, with a last reported date of XX/XX/XXXX. Equifax continues to report the account as XXXX XXXX but has updated it as of XX/XX/XXXX, despite the account being settled years earlier. These conflicting reports violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate the credit reporting agencies failure to maintain maximum accuracy as required by 15 U.S.C. 1681e ( b ). I have repeatedly disputed this account with all three credit reporting agencies. Instead of resolving the errors, they have delayed their responses, ignored my disputes, or improperly verified inaccurate information without conducting a proper investigation. This behavior is a clear violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information within 30 days. Additionally, I have requested a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), yet the credit reporting agencies have failed to provide an adequate response. Their failure to disclose their verification process further suggests that this account can not be properly verified and should be removed.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, 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 theses violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control Services Inc Is reporting a fraudulent account on my credit. I dont know what this account is and have repeatedly asked the company to stop the reporting of this account as it doesnt belong to me. Please see the attached FTC report and please stop reporting of this account on my credit
Product: Mortgage

I have an existing mortgage with Union Bank, when making payment in XXXX XXXX. XXXX in XXXX XXXX, Ca. in XXXX of 2017 I was approached by a bank employee XXXX XXXX ( XXXX ) who suggested that I refinance my loan and get better rate, he then proceeded to email and phone me and send me application which I eventually filled and returned with all relevant documents and tax returns. I did not pay the {$550.00} non-refundable application fee until they had all the relevant documents, at this point XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were also emailing and collecting documentation and asking for {$550.00} application fee which I didnt want to pay until a prelimanry approval was provided. I had sent all the documents by X/X/2017 and XXXX XXXX ( who informed me he has 30+ years of brokerage experience and had looked at all the paper work regarding our financial status ) wanted to proceed with the lan application, I finally paid the {$550.00} fee on X/XX/2017 based on good-faith assumption that all was in order and that we were pre-approved, at least based on the knowledge, expertise and experience of all involved. On X/XX/2017 I was informed they docs have been submitted to underwriter, I received letters from XXXX XXXX that my refinance was denied ( although I have an existing loan with them which is in good standing and the refinance would have reduced my payments to them ) due to excessive obligations, I had a X/XX/2017 meeting with XXXX XXXX and XXXX which they asked for further financial documents to resubmit to the underwriter, and also informed me that we had $ XXXX monthly income but we needed to have $ XXXX to qualify information which was already available to him prior to collecting the {$550.00} fee ) and since then I have not heard back from XXXX XXXX despite multiple attempts with email. I met with XXXX XXXX and was told that he would be looking into the refinance and I asked to get my {$550.00} fee back given that they had all the relevant information and should not have collected the fee knowing exactly where we were with our finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are continually reinserting the following unknown collection for {$470.00} on my credit file. It keeps popping up on my report for the same amount but under different companies since XXXX with XXXX XXXX XXXX being the most recent : XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX  XXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus, letting them know i have never been late with XXXX i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXXXXXX XXXX accnt # XXXX date opened : XX/XX/2016