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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX  Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
XXXX clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. XXXX  XXXX  also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Dear sir or madam, I opened citibank account package and deposited {$15000.00} on XX/XX/XXXX. 

Account Package during the offer period of XX/XX/XXXX to XX/XX/XXXX ( account opening date XX/XX/XXXX ) 2. ) Within 30 days of opening the new eligible checking account make a deposit of {$15000.00} or more ( in one, or more than one, deposit ) in New-to-Citibank funds into 1 ) the new Eligible Checking Account and/or 2 ) the new Eligible Savings Account. ( deposited of {$15000.00} completed on XX/XX/XXXX ) 3. ) Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit ( Please maintain the {$15000.00} until XX/XX/XXXX ) 4. ) If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. ( 90 days from XX/XX/XXXX, so it will be on or before XX/XX/XXXX that {$400.00} will be credited ). 

I kept {$15000.00} in Citibank account package until XX/XX/XXXX, and then {$10000.00} until XX/XX/XXXX. 

I am supposed to received {$400.00} bonus on XX/XX/XXXX. I called Citi bank customer service and was told that I met all bonus conditions, but she don't know why I did not receive bonus. She helped me to file a ticket on XX/XX/XXXX Reference:XXXX Dear XXXX XXXX , Thank you for your recent inquiry, case # XXXX has been opened. 

Sincerely, Citibank Customer Service I was told that problem will be solved in two days, after two days, I still didn't receive bonus. I called it again and spoke to a supervisor. She also said that I met all conditions, but Citi bank back office was reviewing why I didn't receive the bonus, It would take 10 business days. I will receive bonus on XX/XX/XXXX. She also sent an email to their back office to escalate the case. 

On XX/XX/XXXX. I still don't receive the {$400.00} bonus. 

Please help me to solve this issue. 

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

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XX/XX/XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX
Product: Debt collection

I opened a safe deposit box at Bank of America in XX/XX/XXXX or XX/XX/XXXX. The safe deposit box was subsequently closed and the keys were surrendered in XX/XX/XXXX. At the time of the closure, they were unable to find the documentation to close the safe deposit box ( I believe it was my original signature card ). In XX/XX/XXXX or XX/XX/XXXX, I received a notice in the mail saying that I owed a balance for the safe deposit box, and was told by a customer service representative when I called the XXXX number that I needed to contact the branch directly. I spoke with a teammate at the branch and was told that they would research the issue and follow up with me. I called back a week later and was told the same thing. On my third attempt to resolve the issue, I was told that my records were found, and the issue would be corrected. Also I was told that I would be sent a confirmation of closure via mail. In retrospect I never received the confirmation via mail, but as I was told the matter had been resolved I did n't think to follow up again. Today I received another Payment Notice for the safe deposit box with an outstanding balance of {$350.00}. I have n't accessed this box in over a decade now and the last time it was accessed was to validate that it was emptied and surrender the keys. I remember there being an access log, and it should show that I have n't accessed the box since XX/XX/XXXX or earlier. Massachusetts echeatment rules for safe boxes state that after one year of delinquency the bank should send me a 60 day escheatment notice, and escheat the contents to the state. Why am I still being billed for a safe deposit box that has been dormant for over 10 years AND that I closed 10 years ago? I do n't know what records are actually available for the account but certainly there should be record that this account has been dormant for over a decade and that I 'm still being billed for it. This is unfair : the bank is intentionally not closing the box to continue accruing rent. It seems very deceptive. The box should have been closed out years ago and regardless the bank should not have charged me for rent year after year for a delinquent box.
Product: Vehicle loan or lease

The vehicle was turn in on XX/XX/year> in which it had a {$0.00} balance I have all proofs and also I letter from Mercedes. This company keeps on sending me balance and calling me.
Product: Debt collection

Midland Credit Management Inc. ( " MCM '' ) never responded to my XXXX XXXX, 2012 letter requesting verification of the underlying XXXX XXXX Bank debt. Also, no notice of my right to dispute this debt was ever communicated to me. Finally, as this debt was deemed fraudulent by XXXX XXXX Bank, MCM refuses to refund the payment that was made to prevent this fraudulent debt from ruining my credit score.
Product: Money transfer, virtual currency, or money service

After a medical emergency and on XX/XX/XXXX was in need to send money to a foreign country, being a XXXX union customer and enrolled in their program I used their app and decided to send the amount of XXXX $ to be pick up in XXXX Dollars. 
After carefully revising the XXXX Agents in the country where the money was to be delivered decided to send my transactions not in the local currency, instead to be pick up in dollars. On the web /app I had the choice to pick local currrncy or US . I decided for the Us currency, at the moment of the transaction the web site had the choice to pick both options. After finalizing my transaction all seems to be okay I had no disclaimer or advice that my beneficiary had the obligation to pick up I. The local currency.I had no disclaimer in the web or in my receipt. 
For my surprise my beneficiary went to pick up the money and was obligated to receive in local currency or cancel. Also the authoritorozed XXXX communicated that is only in the local currency and if she was to pick up in XXXX dollars she has to pay them the amount of XXXX Gs for the difference in the exchange rate. 
This means O loose that amount plus my fee when they unilaterally decided to apply the exchange rate of XXXX and paid my Bf XXXX the local currency. If o knew this from when o was done o was clearly not choose to do so. 
difference who is over XXXX XXXX dollars. I paid a fee of XXXX us to send the wire to ve pick up in dollars and the system allowed me to do so. 
The exchange rate that western unin is way below the oficial rate and arbitrary imposed me to accept, when I could compare and decided for another services without warning. Locals oficial currency in the country os XXXX vs XXXX of western unins exchange obligated me to accept or pay them. If I have the knowledge and it was disclaimed before I should probably choose a better exchange rate in some other company. 
Western unin is forcing its customers to accept this and for my surprise they are doing this to every customer in the country, without warming. 
I placed a complaint to the company the complaint number is XXXX. 
Western unin is imposing only they exchange rate or pay their agent the difference by the beneficiary or cancel and found impossible to recover the money it takes very long the refunds. 
I was obligated and decided to so against my own interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXXHave removed these inquiries because of identity fraud Equifax claims they are correct I want them to verify there method???????????????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted last year via email from XXXX that my personal information had been compromised in the breach and to fill out the form via email for the XXXX XXXX to keep an eye out on my credit report and any changes to my personal info. A few months later a XXXX XXXX XXXX agency was reported on my report for {$1900.00}. It said it was collecting for XXXX. I called XXXX to verify this information and was told that my name was not in their system. I then called Trident Asset Management and informed them that I spoke with XXXX and told them what XXXX had informed me. I asked XXXX XXXX XXXX to send me supporting documents regarding this account and was told by Trident that i would have to send them a self addressed stamped envelope with a piece of paper that had my name, address and social security number on it and they would send me the documents. This didnt seem legit so I then disputed this collection online with all three credit bureaus. After 30 days of the dispute XXXX deleted the collection from my account yet XXXX and XXXX told me the account was verified. I asked XXXX  for these supporting documents. After never receiving the documents that supported Trident Asset Management verification, I sent in letters to XXXX and XXXX. I waited the 30 days for a response and i never received one from neither XXXX, XXXX or Trident. So i sent in another round of letters after 45 days and again I never received anything from XXXX, XXXX or Trident. Then again I sent in another round of letters after 60 days and again never received anything from XXXX, XXXX or Trident. I once again sent in letters after 90 days and still havent received not a single notification from XXXX, XXXX or Trident regarding this collection account. It had been over 100 days so i contact XXXX  on XX/XX/2018 and after being on the phone for over 45 minutes with multiple reps i was told by a rep named XXXX id XXXX the reason I didnt receive any responses from them is because they didnt have my correct email address so they couldnt send me anything and that my id, social security card and birth certificate was dark and they couldnt understand it. I dont know how a company like XXXX that has your email address that sends you emails regarding the breach and updated information pertaining to your credit report dont have your correct email address. I just received something from XXXX via email. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank has continually provided inaccurate information to the credit bureaus without providing sufficient validation regarding the alleged debt.
Product: Debt collection

Per XXXX XXXX collections have been banned, I have already advised to remove any items that are related to medical debt off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX and Texas XXXX XXXX XXXX  for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. This needs to be addressed as soon as possible. 
15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

Please note that I am the only natural person writing this statement with the help of no 3rd party. I never gave any consent to report anything on my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX regarding their inaccurate and non-compliant reporting practices on my Experian credit report. The account, formerly known as XXXX XXXX XXXX XXXX ( Account XXXX  XXXX ), contains multiple discrepancies and inaccuracies, which XXXX has failed to address or correct despite previous requests. Key issues with this account include : - Incorrect Account Status : XXXX has erroneously reported this account as a 'Collection or XXXX ' when the account was legally settled and closed with a XXXX balance. The Creditor Remarks inaccurately state 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ' which is not only misleading but also misrepresented under the Fair Credit Reporting Act ( FCRA ). This incorrect status fails to reflect the true status of a settled account. 

- Unverified Loan Type and Description : The Loan Type is reported as a 'XXXX, ' which does not comply with XXXX XXXX standards. XXXX inaccurately labels this account under an Individual Account Description, when it was actually part of a financing agreement. The lack of accurate classification questions XXXX adherence to the XXXX XXXX XXXX XXXX ( XXXX ) guidelines and XXXX XXXX requirements. 

- Non-Compliance with XXXX XXXX Standards : Federal and XXXX XXXX guidelines mandate specific data fields and correct values for accurate reporting, yet XXXX report deviates from these standards. For instance : - Term Length ( XXXX   months ), which does not correlate with the actual term of the agreement and misrepresents the length and nature of the original contract. 

- Date of Last Activity ( XXXX ) and Date Reported ( XXXX ), both of which are inconsistent with the accounts actual status, implying ongoing delinquency when the account was closed and settled. 

- Failure to Provide Verification Documents : XXXX has not provided verifiable proof that this information is correct, failing to comply with FCRA requirements per 15 U.S.C. 1681e, which requires credit reporting agencies and furnishers to follow 'reasonable procedures to assure maximum possible accuracy. ' Despite my formal requests, XXXX has not furnished any documents proving the accuracy, compliance, or lawful purpose of this reporting. 

Relevant Legal Violations : This report lacks adherence to key consumer protection standards : - FCRA Violations : XXXX is obligated to report accurate data under 15 U.S.C. 1681e and 12 CFR Part 1022. FCRA requires accurate, verified reporting to prevent misleading and harmful information from appearing on credit reports. XXXX report of this account shows a disregard for these standards, including failure to provide accurate, timely, and verifiable data. 

- XXXX XXXX Non-Compliance : The XXXX stipulates, 'Any Deviation from These Standards Jeopardizes the Integrity of the Data. ' Inconsistent and inaccurate data fields, such as the term length, loan type, and account description, demonstrate XXXX non-compliance with these essential standards.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS CAPITAL XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Prepaid card

XXXX has discriminated against me by not letting me create online account also, Filed a dispute not providing any help for dispute, XXXX rep XXXX, states that it takes 90 days to resolve a dispute. Card number XXXX Exp XX/XX/XXXX
Product: Credit reporting

I had a Judgement listed on my credit reports. I settled the Judgement on XXXX. I tried to dispute the Judgement online to have it removed from my Equifax credit report. I was not able to do it online, their system could n't find my information. I was then instructed to fax a copy of my drivers license, credit report, and the information about my dispute. I faxed them XXXX pages on XXXX. I have had no response from Equifax and the Judgement remains on my credit report. I would like to add that I disputed this Judgement online with both XXXX and XXXX and it was a simple process and took less than a week to remove. With Equifax it has been 30 days and I ca n't get a response from them.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( 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 these violations.
Product: Student loan

I am currently in repayment for my student loans, and planning on using the Public Service Loan Forgiveness Program. I have been paying my loan since XX/XX/XXXX, and have never been delinquent on a payment. The loan servicer has claimed that only 33 payments are valid and count towards the PSLF. In XX/XX/XXXX I requested confirmation of how they came up with only 33 payments, and I have not been able to get any information from the current servicer or the prior servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the account which was erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00}.
Product: Mortgage

We refinced with BMO Harris in XXXX time frame 2021. They sold ( moved ) the loan to someone else. We are on auto payment each month everything was working fine until XX/XX/2021. A payment was applied on XX/XX/XXXX and it was not made by us. so when the end of the month came no auto payment was taken out. we have followed up with a few differnet people and finally have been talking to a VP of loans from BMO Harris They had us follow a series of calls and seversl request to find out where the payment came from and for them to correct it.. Another month went by and no resolution. and now it is XXXX and still not correction to the problem. We contacted BMO Harris and moved up the ladder to another person higher. We tried and followed their suggestions. We had many contacts and follow ups since XXXX. 

We were assured by a VP of loans that it should be corrected and now end of XXXX stil no correction to the problem - per her suggestion we were told to contact you We have made our XXXX and XXXX payments so we are all current but with different correction they tried to put on our accts they even took money out that was ours and not part of the payments Recapping, since XXXX per the phone application ( and in live discussions her application shows something else ) it shows we are 2 months behind. Today 's live call passed the buck of getting this resolved to you and submitting this complaint. 

Please help