23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The Name of the company is Cash App, On XX/XX/2021, I received an email from Cash App stating that my account was locked and that they received a report of unauthorized activity on the cash card associated with my account. On XX/XX/XXXX the XX/XX/XXXX four unauthorized transactions took place from my account, {$65.00} at XXXX XXXX, {$60.00} at XXXX XXXX, {$55.00} at XXXX XXXX, and {$95.00} at XXXX XXXX. The money was sent from my cash app account by someone else. I did not authorize those transactions nor did I provide anyone with my personal information pertaining to my cash app account. I have reached out to Cash App 20 emails ago. They have been giving me the run around faithfully, and denied my initial dispute. They told the the XX/XX/XXXX that they did not receive any emails from me. Little did they know, I forwarded all the emails to the XXXX XXXX XXXX XXXX. Shortly after that, I received an email that I need to answer the same 6 questions again that I received the initial dispute denial email for. Please see attachment. I reached out to the XXXX XXXX XXXX and after they reviewed my emails and information, they provided me with Consumer Financial Protection Bureau information for assistance with this matter.
Product: Debt collection

Very upsetting I work for XXXX and have been suffering mental and physical anguish, our local non profit Medical company XXXX have been sending debt I was unable to pay on to A ) XXXX XXXX services which Is their own company and B ) Vanguard Financiancial services These are counting against my credit score! 
I has a total mental breakdown last XXXX and am under a huge amount of stress from so many directions
Product: Debt collection

No results in the matter at hand debt was never remove this was a identity theft I never applied for any of this stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/. I disputed a fraudulent account on my credit reports by mail. As of today XX/XX/, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. 

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX-day time period. 
You must delete all of the disputed accounts from my report. It has been more than XXXX days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. 

-- - XXXX  XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Product: Credit reporting

Within Equifax the accounts of XXXX XXXX Bank Account XXXX is not mine and XXXX XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute. I have contacted both companies to try and resolve the issue. As, I have been disputing this problem for the last two months. I have told them that this not my accounts and they have stated that they have evidence that it is my account. I have asked them what sort of evidence they have, and they have responded that they have my social security number and birthdate. I have explained to them that the my data has been compromised and that would include my social security number and birth-date. However, they did not want to hear it and did not want to work with me. I have also offer to pay it as I just want it off my credit report. They said that i was able to pay it but they would not guarantee that it would be removed from my credit report. The XXXX accounts are not being cooperative and refuse to remove it from my credit report. The information that they have provided to me has not been a legitimate to state the accounts are mine. I have shown them that police reports have been filed and have made proof that my data has been compromised.
Product: Credit reporting or other personal consumer reports

I have an additional account listed on my credit report that causes me concern. I would like the below accounts reinvestigated and removed for inaccuracies. These accounts continue to severely affect my credit rating ( ACIMA DIGITAL FKA SIMP ) Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Please see referenced accounts below : 1. ACIMA DIGITAL FKA SIMP Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report
Product: Credit card or prepaid card

Three adverse action letters sent on XX/XX/2023 and were delivered on XX/XX/2023 stating " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' The only different activity on the account was exercising the right to use the Bill of Exchange Act. There was no other change in account usage. 
There were no wrong usage of the account nor any violations made. 
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

The closing of the three accounts were discrimination from exercising rights in good faith.
Product: Student loan

Instead of putting extra money I pay each month towards my principle to lower my loan they continue to add it to a future payment. When I called, the service center is outsourced, specialist said to the let the loan ride a few months without payment ( even though I pointed out that would mean Navient is still collecting interest those months ). Asked to speak to a supervisor and she told me the same thing, said she could n't help because I had impeccable payment history. Requested through XXXX messaging and email a phone number for someone I can speak to regarding fixing my loan payments, and get referred to the outsourced number and now being completely ignored. 

What I am trying to do is send all extra funds to principle instead of future payments, I do not want to pay ahead ( advance payment counter ). I would like them to go back and reapply all extra that I have paid the last six plus years to the principle. This can be done, multiple former employees said if I ask it can be done and that Navient counts on people to pay the loan ahead to keep interest building. I would like this corrected for my account.
Product: Money transfer, virtual currency, or money service

Hello, I opened my account with Suntrust Bank in XXXX of XXXX. There seemed to ne an issue immediately when a routing number and last 4 digits of an account number showed up. When XXXX  it came it wex bank, i called wex and repoorted that i have never had an account with them which they verified. I then filled a report with your agengcy. The report was closed upon Suntrust response that it was from a prior account. That cannnot be so beacuse the acct i had with them in XXXX was only a CD not able to make external transfers. Now the issue is that ( A merchant on behalf of XXXX has taken money from my account. XXXX has confimed they no longer have my auto bill info. I do belive that it is a merchant acting on behalf of XXXX and Suntrust allowd the transaction simply based on past purchases from a simularly named merchant. I would like to request an immedite investigation as i belive my account has been compromised from day 1. I will also file a report with the FBI. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

EDUCATIONAL CRED MGMT is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that ECMC shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Mortgage

In XX/XX/XXXX we defaulted our payment of {$1300.00} ( regular monthly home payment ) in XX/XX/XXXX the lender then withdrew {$2000.00} from our bank account assuming the extra was for missed interest for the previous month. We were then contacted by the lenders home preservation specialist in regard to our missed XXXX payment. We were relieved for XXXX payment due to documents being filed for a forbearance we settled with the preservation specialist. XX/XX/XXXX, we began our new adjusted monthly payments of {$320.00} per month for four months around the beginning of the month until the forbearance period was over. in which time we kept in contact with our preservation specialist each month as to update information in regard to our income. Our last forbearance payment was XX/XX/XXXX. After contacting our preservation specialist and explaining that there was no additional income at this time although we were still working hard to become employed we were then offered into a secondary forbearance where our payments would be higher than last time and so we agreed and sent in our documents. While reviewing our documents there was no attempt by the lender to collect any amount of money for XXXX, or XX/XX/XXXX. XXXX became our first month of our new adjusted payment in the amount of {$1000.00} a month in the beginning of the month for four months. Shortly after making our first payment of {$1000.00} in XXXX, my husband became employed and our tax return had hit our bank account. Excitedly we called our preservation specialist and explained that we no longer needed to make these discounted payments and we could return to paying our full amount and pay off whatever debts we accrued through these past hard months. Surprisingly we were told by our preservation specialist to continue making our {$1000.00} payments for the next three months and that we will begin to make full payments once it is over. Our final month of our {$1000.00} payment was not collected by our bank in XX/XX/XXXX. On XX/XX/XXXX we received a letter from our preservation specialist stating that our account was no longer being reviewed for assistance due to a lack of documents, also stating that a letter was sent to us in concern to collect these documents however we never received a letter, got a phone call or received an email stating such. We unsuccessfully attempted to contact our preservation specialist. On XX/XX/XXXX our lender collected the entire house payment of {$1300.00} on XX/XX/XXXX our lender returned our payment to our account and on XX/XX/XXXX we received a Civil Summons and a motion of foreclosure had been set. To our understanding of this document we are showing on their system that our account has been delinquent since XX/XX/XXXX. On XX/XX/XXXX we received a letter from our lenders attorney that they had been retained XX/XX/XXXX. Afraid that we may lose our home over a misunderstanding but being in a 20 day time crunch to have a written defense sent to the court we retained an attorney and had the required document sent back in response.
Product: Credit reporting or other personal consumer reports

I was placed as an authorized user on a credit card without my knowledge, after going to that person and asked that they remove me they did. after 30 days of it still showing on my credit report. we called they " confirmed '' i was removed. after 90 days it was still showing, so i disputed with XXXX XXXX XXXX and XXXX XXXX. its now been 6 Months all disputes were denied. I called Capital One only to find out i was never removed as a authorized user. I requested to be removed and capital one said to call on Monday. This inaccurate information has caused me to miss opportunities, my own credit cards and other loans due the the users bad/inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint on XXXX XXXX which is my 5th request of credit reporting not mine and they keep updating as verified under report XXXX XXXXXXXX. Im not sure how this was verified when I have not supplied proof under the doctrine estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.. I have never lived at the address that they are claiming and Ive stated several time. This is fraud on the credit reporting agency as they have not supplied me with information verifying this account. Im willing to take legal action if not resolved
Product: Credit reporting or other personal consumer reports

My personal information was exposed in the XXXX  XXXX data breach, making me a victim of identity theft. A fraudulent account, XXXX XXXX XXXX  XXXX is on my credit report and harming my credit. Despite previous disputes, it remains unresolved. Under the FCRA, identity theft disputes should be resolved immediately. I request the immediate removal of this account. Attached is my FTC Identity Theft Report for reference. Please confirm once it has been removed. Thank you.
Product: Credit card or prepaid card

I have a Bank of America prepaid debit card for my unemployment benefits. When I first inquired about where the card was I was told I was going to have to wait about 3 weeks to receive it. I asked if there's anyway to get it sooner as I have been unemployed for a month & ' am completely broke. The woman I spoke to said she can have a card expedited to me & '  it would be here within 3 business days but I had to pay {$10.00}. So I agreed because I have bills to pay, kids to feed. Well the following day I received a the card I was suppose to wait 3 weeks for. I was charged {$10.00} & ' sent another card. Had the woman said a card was on its way I would've waited. You don't think that's a lot of money until you're living off {$220.00} weekly. EVERY-TIME I'm logging into my online account my identity information isn't correct. Calling the bank is a hassle, waiting 45 minutes up to an hour to talk to someone who keeps repeating themselves, not answering your questions or helping you what so ever gets frustrating. So I found out I can have the money transferred into my personal bank account. So I'm setting everything up after having to call in again for assistance because once again my identity can't be verified. I'm told I have to wait THREE business days for the bank to verify my personal account then an additional TWO business days for the funds to be transferred. On top of waiting FIVE business days for the funds to be moved I can't use my card or it will cause the transfer to fail. I don't understand what exactly the bank needs to " verify '' with my personal account & ' why it takes 3 days to do so. BUT in case of emergency I can have funds transferred immediately for a {$15.00} fee!!!!
Product: Debt collection

ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

The Collection Agency MERCANTILE ADJUSTMENT BUREAU , LLC continued to attempt to collect debt that was resolved with the original creditor, XXXX XXXX. After calling MERCANTILE ADJUSTMENT BUREAU , LLC for confirmation, they've refused to update my consumer credit file. 

This company is retaliating against me for resolving the debt with the original creditor, as allowed by the original creditor. 

XXXX XXXX has repeatedly sent the correct information to this collection agency, and they continue to refuse to update my credit file as required by the FCRA ( Fair Credit Reporting Act ). 

MERCANTILE ADJUSTMENT BUREAU , LLC refuses to send to me verification as requested. Attempts to resolve this with the collection agency have been unfruitful. They have blocked by phone number, and will not correct the information, send me the proper information, and send the credit bureau the correct information regarding my account.
Product: Debt collection

i received a debt collecting letter from XXXX XXXX XXXX XXXX for the amount XXXX based upon the letter that i received ( attached ) it looks as though XXXX XXXX XXXX XXXX who is a debt collector is collecting on behalf of another debt collector velocity investments llc. upon further research i learned that both companies XXXX XXXX XXXX XXXX and velocity investments llc are not licensed to collect in my state of florida, with that i am certain that these companies have broken several laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to XXXX but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I called to cancel my stolen card. Because I changed my PIN number, they told me my funds were being withheld from me until my new card came in the mail. I asked if I could transfer or if I had any options. I was told no.

On XX/XX/XXXX I called in again. This time the rep said all that was needed was for them to call me on my phone to verify it was me. He then said I could transfer my funds. He specifically instructed me to not use transfer funds, but use bill pay. I then did as instructed and entered in my XXXX card number. 
On XX/XX/XXXX I received my new card as well as a check in the mail. Confused about the check, I called them again. They said because I used bill pay I got a check. I asked them about getting my funds back into my account. He said yes funds will be available thursday. I said ok nvm then I do not want to proceed with that then. He said he sent in the dispute. I said no I need my money cancel it. He said you can it tomorrow without issues, just call us when you cash it. 
On XX/XX/XXXX I go to cash my check, it declined. I called again, now I'm bein told that I can not cash a check in my name that I sent myeelf. I must also want 10 more days for my funds. 
I have bills and I have children they gave me false information causing my funds to be held from me. I can not buy gas to go to go to work, food to eat, nothing.