23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 'm getting calls from Equiant ( sometimes a debt collection agency, other times not, depending on who I talk to ), claiming I owe on a timeshare account with a separate company, XXXX. Although I do own a few different accounts with different resorts, I could n't recall ever signing up with XXXX. I finally found bank records of their withdrawls from my account, which I 'd overlooked originally as I do not have any automatic payments set up with it, or so I thought. I understand that, in each notice sent to me from XXXX ( nothing sent from Equiant ), I 'm entitled by law to a written notice of my right to dispute this " debt ''. I have received no such notice. Furthermore, several other discrepancies have led me to question the existence of this " debt collection agency ''. 
Along with the lack of written notice of my right to dispute, I requested a copy of the contract be sent so I could verify the debt. I was told that a request by Equiant to XXXX to send the contract to me had been submitted, but that it would take longer than I had to wait before the account was reported to major credit bureaus and my credit rating would go down. In other words, pay before I can verify the debt, or else bad things will happen. I did receive a virtual copy of the contract from contacting the resort itself ; though I 'm still awaiting a hard copy. I 've also received a virtual copy of the auto-pay document that my late wife and I apparently signed. I began my own investigation of this company ( or companies? ), along with the help of my local congressman, at first because I had wanted to dispute the debt. Assuming all of these documents are valid, I can not dispute it. So my concern turns to possible infringements of certain rights of mine by Equiant and/or XXXX. They did n't supply written notice that I could dispute the debt within thirty days and, in fact, I have received nothing from Equiant in the mail at all. My latest step in resolving this matter was to inform XXXX at XXXX XXXX services that the payment I was sending, which covered the two months of late charges that were unpaid, were to be the final payments for that account until I got a hard copy of contract.
Product: Checking or savings account

I am currently a Capital One bank customer and I have not received my direct deposit now for two days along with thousands of other customers given that the bank claims they have an issue with an external provider but that is no excuse and communication is limited and no one has a time limit as to when the situation will be resolved and I depend on my funds for work and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus
Product: Debt collection

This account was paid in full on XX/XX/2022. Ive disputed this transaction multiple time and they keep saying I owe them this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX XXXX Balance : {$3500.00} TransUnion : XXXX  XXXX XXXX : {$3500.00} XXXX XXXX Balance : {$2300.00}
Product: Debt collection

This is in regards to the prior complaint that i submitted with this company with you on XX/XX/2018.  The itemization that Wakefield responded back with does not match the balances that are being reported to the credit bureaus. How could you state that i owe something in which i never received service from this company nor have i ever received anything from them. The four accounts that are being reported are account # XXXX for {$950.00}, XXXX for {$680.00}, XXXX for {$650.00} and XXXX for {$890.00}. When this was first provided back on XX/XX/2018 neither of these accounts nor the balance were provided on the itemization! I honestly feel as if this is fraud.
Product: Credit reporting or other personal consumer reports

I have reached out to the companied requesting verification of a signed contract.
Product: Credit reporting or other personal consumer reports

Im in complete disbelief after discovering incorrect accounts on my credit report today. I reviewed it as part of my routine, but discrepancies showed up out of nowhere. I even tried refreshing my browser to see if it was a technical glitch, but the inaccuracies stayed put. Im very disappointed and need the documents Ive provided to be reviewed carefully to ensure this doesnt happen again.
Product: Money transfer, virtual currency, or money service

With XXXXBTC in my XXXX account, I requested an increase in my daily limit transfer so I could engage in arbitrage. My account was closed in early XX/XX/2018. I emailed them for a reason. They replied that I wasn't XXXX yet. I ( re ) submitted my identification docs to show that I am. They replied that the account was closed for other reasons, that they couldn't disclose. I have asked that my account be reopened but have gotten only emails in reply asking how satisfied I am with the resolution of my case.
Product: Vehicle loan or lease

My dad cosigned with me to get my truck on XX/XX/year> ..... 
My dad 's XXXX XXXX is XXXX, as to why he was cosigning for me ( the last place I had a vehicle from refused to report to the credit agencies so I had nothing to show I was making payments on time monthly, well, we applied for the loan, told I was approved, for all the required paperwork in, pay subs, bank statements, id 's, ss numbers etc. 
Everything went thru, we both signed all the paperwork for the loan on my truck, everything was a dream come true. 
Loan companies denied us, and capital one came along, around XX/XX/year> and wanted proof that I made {$4000.00} a month to my dads {$3600.00} per month. As they said was required I sent that proof, waiting on hearing back on anything. 
At this point I have had my truck for almost XXXX weeks, it's all I have for any kind of transportation ... .. we get a letter in the mail today saying they denied us, due to MY credit history, not even looking at my dad 's credit or history as he is my cosigner, they only looked and made their mind up on my credit history. 
I am terrified I am going to lose my truck, it's been almost XXXX weeks I have had it, I have no clue who to make my payment to or anything Currently I am a complete wreck of nerves not knowing what's going on, I can't lose my truck, it's all I have
Product: Credit reporting

I stated over the phone that I would assist my son with a line of credit with the XXXX XXXX XXXX XXXX. Unfortunately, I had a change of heart after hearing the details so I decided to call them and tell them that I was not going through with it. They stated that the increase had been given and listed me as a co-signer even though I did not sign the contract. I contacted them again and they still will not remove me from the line of credit. I disputed the account and it is still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed CITIBANK N A, Date : XX/XX/XXXX inquiry with XXXX and CBNA/THD, Date : XX/XX/XXXX inquiry with XXXX as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XX/XX/XXXX. Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

1 ) I did not apply for credit from CITIBANK and/or HomeDepot on XX/XX/XXXX. 

2 ) I did not receive nor was I denied credit from CITIBANK and/or HomeDepot on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with HomeDepot, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the HomeDepot Credit Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my HomeDepot account.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO RESPONSE from the bureaus at all. 

XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I AM FILING A COMPLAINT AGAINST CASHAPP ( BLOCK INC ) DO TO INADEQUATE COSTUMER SERVICE & UNFAIR PRACTICES, WHICH VIOLATES THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ), SPECIFICALLY CASH APP FAILED TO TAKE TIMELY AND AFFECTIVELY 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 HAS CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS
Product: Debt collection

I do not owe this bill, I disputed with the company. I recieved 10 calls from them in one day and then I kept hanging up on them, they kept calling me back and then blocked the numbers. told me that they would put me in jail if I didnt pay this bill. I was shocked and went to the police department, field a complaint. They told me to just dont answer the phone anymore. I do not owe this bill. The sent this bill to my family members house, a friend mines house and then to another address. Which I never gave them any of my personal information. The other employee told me that once the dispute goes out they would call me again and start the process over again. That I owed XXXX XXXX {$100.00}. I do have copies Im waiting for from my cell phone provider of all the calls that day they harassed me. I also had to go back ER behind these calls,,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report a collections account " XXXX XXXX ''. I have no knowledge of this account. 
I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with ambit energy, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of this account or whom the original creditor was. I have attempted to dispute it with the credit bureaus and it keeps coming back as " validated. '' This company has never responded directly to my requests for verification.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my information was stolen from a data breach and accounts are being reported to the credit reporting agencies that I never opened. 
These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Before there was a warning on Zelle I sent the money to the wrong individual. They mistakenly typed the incorrect phone number and I sent XXXX to the wrong person and could not get the funds returned.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX was contacted to specifically deal with weeds within the landscape beds. XXXX XXXX an XXXX XXXX XXXX was dispatched to our residence to complete a site survey and convey the services the company would render. XXXX was escorted around the property and is noted via audio/video on surveillance system in which the specific weeds and vines were identified for removal. XXXX XXXX also took digital images of the specific areas whereby the weeds were growing and stated XXXX has the ability, tools, equipment and personnel to remove the weeds within the landscaping beds and to keep them from growing including a monthly treatment. This was the only service requested from XXXX XXXX XXXX on approximately XX/XX/2021. 

At a later date, an XXXX XXXX tech came to the residence to perform a service. Prior to service the tech was asked about the service plan he was to perform and he indicated he was going to spray the grass. The tech was informed that grass treatment was not in agreement with our service request and that he was only to treat the landscaping beds. At that point, the tech indicated that the chemical treatment was not intended to treat landscaping beds and that the chemical would in fact destroy all of the plants, weeds and flowers as the chemical can not isolate weeds from other plant life. At that point, the tech was told, not to perform any services short of treating weeds within the landscape beds. The tech informed us that, he was unable to perform this type of service and that we were misinformed as to the type of services XXXX XXXX XXXX performs, which is only to treat weeds, fungus etc, within grass and not landscaping beds. 

In conclusion, XXXX did not perform any related services based on what sold to us as a service.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of XXXX
Product: Student loan

I took out a Plus loan for my son and have been making payments regularly. The loan servicer is Fed Loan Servicing with the US Department of Education. The loan is a fixed rate loan with a 25 year payment. I believe that we are in year five of the repayment. My issue is that the amount that is applied to interest and the amount applied to principal is not consistent. There are fluctuations that to me seem that the amounts to each are applied arbitrarily. Here is the payment history for the past six months. I have repeatedly asked the servicer for an explanation but to date have not received a satisfactory explanation : Payment Date Principal Interest XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Perhaps your assistance in this matter could help shed some light on this. I would appreciate any help you can provide and await your response. 

XXXX email XXXX Please let me know if you require further information. 
Thank you
Product: Checking or savings account

I noticed a charge pending to my bank account on an app that I had a free trial with but do not use ( Albert financial app, which claims to be insured by the FDIC ) I immediately went to cancel the subscription and ask for a refund since I did not find use for their financial services. When I canceled, I received a response your subscription is canceled and you will not be charged. Under the impression that the pending charge would be dropped, as is very common with subscription services canceled before being used, I deleted my account. Unfortunately the {$14.00} subscription fee still went through after pending. This caused a {$35.00} overdraft fee. The fee put my account further in the negative. I then incurred another overdraft fee from a subscription ( {$1.00} ) that I had planned for. This {$1.00} then caused a new {$35.00} overdraft fee. Albert support claims there is nothing they can do since my account was deactivated. i asked to be escalated to a supervisor. This app is supposed to help financial consumers but instead it makes the financial hardships increase. After messaging all day and only being offered a refund of {$14.00} ( which didnt even go through ) I decided to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed IQ Data International " XXXX XXXX XXXX CA '' with XXXX, XXXX, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both IQ and XXXX. I listed all relevant documents that prove. I have no relations to XXXX XXXX. XXXX did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification -Bankruptcy Information Dear LexisNexis Consumer Center , I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by LexisNexis in the reporting of bankruptcy information. I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how LexisNexis verifies and validates such bankruptcy information.

Please provide the following information : 1. The specific procedures and methods used by LexisNexis to verify bankruptcy information.

2. Any documents or criteria utilized in the verification process. I understand the importance of accurate and verified information within consumer reports and am eager to ensure the integrity of the data associated with my profile. I kindly request that you respond to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is crucial in addressing and resolving discrepancies related to my consumer report. If there are any specific forms or additional information required to facilitate this request, please do not hesitate to inform me. Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Three Credit Agencies XXXX, XXXX, Equifax are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.
Product: Student loan

I sent in a very long and detailed application. My response was very vague and only one sentence. Many other students getting the same exact response, so it's a blanket denial.
Product: Credit reporting or other personal consumer reports

I did a total number of XXXX dispute the company responded XXXX times but they did not change anything XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2019 I spoke with a representative by the name of XXXX and cancelled a {$560.00} payment scheduled for XX/XX/2019. I also asked that XXXX send a billing statement by mail to allow me to pay by mail instead of being charged {$6.00} by XXXX XXXX each time i make a payment. My husband had asked a previous representative in XXXX to do the same, but we hadnt received it by XX/XX/2019 so I requested one again. XXXX stated that the payment was cancelled and he would be sending the statement. On XX/XX/2019, I received a notice from my bank stating it had become overdrawn. When I looked into it, I had a charge from American Credit Acceptance for the {$560.00} I had previously cancelled on XX/XX/2019. On XX/XX/2019 at XXXX PST, i reaches out to American Credit Acceptance and spike with XXXX. XXXX stated that he saw where I called on XX/XX/XXXX and  cancelled the payment and he saw where I was still charged. XXXX stated that the payment would be refunded to me and it would be overnighted to me. He stated I would receive the refund by XX/XX/2019. I also asked about the fees that my bank charged for being overdrawn and he stated I could send them a copy of the bank statement and they could possibly refund those fees as well. I called my bank that same morning and my bank refunded the fees and I also had my bank place a stop payment on any and all payments American Credit Acceptance would attempt to process from that day forward. I had not received anything by XX/XX/2019 so I reached out to American Credit Acceptance once again. This time I spoke with XXXX. XXXX stated that the refund was approved on XX/XX/2019, but it needed to be approved by another department and that department barely approved it on XX/XX/2019. She apologized for the misinformation given by XXXX and stated the refund would be sent to me that evening and would get to me no later than XX/XX/2019. On XX/XX/2019, I still had not received the refund. I reached out, yet again, to American Credit Acceptance and spoke with XXXX this time. XXXX advised me that she could see where the refund was approved on XX/XX/2019, but no information regarding the payment being sent. She then informed me that the payment processing department was closed for the day and for the weekend. She stated she would escalate the issue to her supervisor and her supervisor would email the payment processing team and I would have to get in contact with the payment processing team on XX/XX/2019 to see what they would decide they could do for the refund. I also asked what would be done about my account continuing to be further past due because they processed a payment when it was cancelled and it started this mess. XXXX stated that even though she was in the collections department she could not help me with that and I would need to escalate that with the payment processing department as well.