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

Dear Sir/Madam, I appreciate if you would help me in dealing with CITIBANK. I find them unprofessional with XXXX regard for customers. CITIBANK Person who makes decisions is not ready to come to phone and the person i have on the phone does not understand my side. I have attached all the documents ( Dispute Letter, FAX confirmation, Address proofs with date and new address insurance ). 

In short someone abused credit card which XXXX/CITIBANK issued on my name. I never received CREDIT CARD OR ANY COMMUNICATION IN THE FORM OF MAIL, EMAIL OR PHONE CALL from any of these involved parties. Part of the reason could be becuase of my residence change. XXXX/CITIBANK sat on credit card for 14 months and later they passed it to collection agency XXXX XXXX which reached out to me at my new address. 

Ever since I found about it i have made every possible effort to resolve it with XXXX/XXXX/CITIBANK but CITIBANK like i said has XXXX regard. I made numerous attempts Summary XX/XX/XXXX I applied for XXXX 's Credit Card ( which is operated by CITIBANK ) in person at XXXX 's store but no confirmation was given to me by store weather my credit card was approved or denied. No credit card was handover to me. 

Later in XX/XX/XXXX - XXXX/collection agency informed me someone abused/fraud that card for {$100.00} in XX/XX/XXXX and it has balance of {$400.00} ( including fees and interest ). XX/XX/XXXX i moved out of my previous address and hence i never received Credit Card or Credit Card Statement or email or phone call from XXXX or CITIBANK about a credit card existed on my name with balance of {$400.00}. 

Regards XXXX
Product: Credit card or prepaid card

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Payday loan

This company does not show up in the California Business Oversight as having the legal right to charge a usury interest rate of over 1000 % to persons in the state of California or elsewhere. I received an undated letter from them on XXXX/XXXX/2015 claiming to turn this illegal account over to a collection agency IF I did not pay this illegal account # XXXX.
Product: Debt collection

I cleared a debt that was owed to another apartment rental company that my brother and i stayed at, i had a dispute with that apartment company because they had a cleaning bill i did not believe i owed, but i have paid that bill, as it was only 300 or so dollars, but upon further inspection, the rep whom took my payment for that previous balance owed, noticed something else on there, something for another apartment complex that my brother stayed at, i did not stay there, my brother did and because he was on my account with the previous apartments we stayed at together, i assume they just thought they could just put this on me now that my brother is deceased.

i contacted XXXX XXXX XXXX on XX/XX/2018 in regards to this, the stated they sent IQ data information regards to getting this taken off my credit report, XXXX XXXX  sent information to IQ data to have this removed and i got a letter from XXXX XXXX to show other apartments to let other places know that i do not owe a balance at XXXX XXXX no one is telling me how long this process takes, as it only seemed to take 5 min to attach this debt to my name, it should take just as long to have it removed in my opinion because before i paid my previous debt this was not even attached to my name.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I informed Equifax that my name and address on my credit report were incorrect. This is because in XXXX XXXX XXXX, I was granted a court order from a commissioner from the XXXX XXXX XXXX XXXX XXXX XXXX, changing my complete legal name ( first, middle, and last were changed ). In addition, I moved to a new residence in XX/XX/XXXXXXXX XXXX I promptly informed all creditors that had accounts with Equifax and other credit agencies that my legal name was changed, and my address was changed. All documentation including social security card, court order, and my updated drivers license were submitted, and all my credit accounts on my credit report were updated. Despite this, Equifax has not changed my name on my report. Stating my recent name is a " Former name '' and my old name as a " current name '' which is incorrect. Same for my address. I requested Equifax change the information on XX/XX/XXXX by filing an online dispute through the My Equifax portal. I received a response on XX/XX/XXXX stating that my new name was verified as accurate, but the report was not updated. They stated they sent information to the company that reported in the old name/address. However, all of my credit accounts with Equifax have been updated by the creditors already, and there have been no hard inquiries submitted to Equifax for my file in the past 2 years. Also have no public records like bankruptcies, court judgments, etc. And do not have any collection files open in my old or new name according to Equifax 's latest credit report on XX/XX/XXXXXXXX XXXX XXXX XXXX noting XXXX and XXXX do not have this problem, and the address and name information on my credit file with these agencies is correct. Equifax is the only credit agency not updating the name and address. Additional documents showing proof of the new identity are attached to this complaint for Equifax 's review and the CFPB review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, PHOENIX FINANCIAL, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Product: Credit card or prepaid card

All charges on card were not mine filed a dispute they said it takes 45 days its been way past that I try to get a hold of them and every time I do it says their system is having an issue or theyre experiencing a wide volume of calls and so I want to know why the money is not credited back to my account yet and I want it credited back ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME
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 violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed 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 errors resolution requirements under the electronic fund transfer act ( EFTA ) the regulation E. These actions have caused significant inconvenience and financial los, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted credit dispute letters to TransUnion Consumer Solutions on XX/XX/XXXX and XX/XX/XXXX regarding discrepancies on my credit report regarding a Chapter XXXX Bankruptcy ( see attached TransUnion Dispute Letter XX/XX/XXXX ). Each time I request an investigation and correction to my credit report, TransUnion does not conduct an independent investigation and simply states, " We have verified that this public record item is reporting correctly. '' TransUnion has violated the Fair Credit Reporting Act by not conducting an independent investigation regarding inaccurate information on my credit report. TransUnion states in their TransUnion Credit Dispute Results letter dated XX/XX/XXXX, " This section includes public record items TransUnion obtained from local, state and federal courts through a third-party vendor, XXXX. '' TransUnion made a false statement because I have placed a Security Freeze on my XXXX Credit report ( see  attached XXXX Security Freeze Letter XX/XX/XXXX ). I also attached a letter dated XX/XX/XXXX from the U.S. Bankruptcy Court -  XXXX stating, " Please be advised that the filing of bankruptcy is a public record and this information is routinely collected by credit reporting companies and is not reported or verified by the court to them ... '' There is no way possible that TransUnion independently investigated my credit dispute request. TransUnion failed to obtain any new information from XXXX as it claims in their letter and the U.S. Bankruptcy Court -  XXXX does not provide this information also ( see attached U.S. Bankruptcy Court Letter XX/XX/XXXX ). 

This proves that TransUnion did not conduct an independent investigation on my Chapter XXXX Bankruptcy, and I am requesting to have the item removed from my TransUnion credit report immediately. 

Please help me with this case. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  Account Number : XXXX 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 - Promptly, delete that item of information from the file of the consumer, or modify that item of information as appropriate, based of the reinvestigation.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX us dept of ed/XXXX # XXXX us dept of ed/XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

Mohela applied payments I made to the principal of my loans to " future payments. '' Basically, they took money I specifically directed that they make towards the principal of my higher interest loans, and then applied that money to my scheduled payments. It was not applied to the principal on any loans. It reduced my payments for a limited amount of time. 

For example, if my regular loan payment was {$600.00}, they took the {$2000.00} lump sum extra I paid and spread that over a couple years of payments, so I was paying {$500.00} a month for 20 months. 

They spread it over enough time that when I was just looking at my monthly payments, it looked like I had paid down the principle, so the monthly payment had come down. 

Before making the lump sum payments, I specifically called their customer service representatives and made sure I was following the proper procedures. I indicated the particular loan I was paying towards in the memo field of the check. 

Further, I can pay them monthly through their auto debit system, but to make payments on the principal, I have to mail a check. I have to rely on them looking at the memo section and applying my payment correctly. 

When I discovered this error and got on the customer service line to correct it, they said there was nothing they could do. I even talked to a manager.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request for Account XXXX Dear Discover Bank, I am writing concerning the account referenced above. This letter serves as formal notification that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to request that you immediately cease all communications with me regarding this account. 

Additionally, I am requesting that you provide the following information through the Consumer Financial Protection Bureau ( CFPB ) portal to ensure accuracy and transparency : Date of Last Payment Date of First Delinquency Date of Charge-Off This request is made in good faith to verify the information being reported about this account. I expect that you will comply promptly and provide the requested details through the CFPB portal.
Product: Student loan

The original disbursement of my signature private student loan with XXXX XXXX, now Navient was {$5000.00} disbursed XX/XX/XXXX and since then I have made payments starting XX/XX/XXXX and to this date still owe {$8700.00}. 

I asked to consolidate this loan with my other federal student loans and was told I could not. The interest rate is 11 % and I just can not understand how my total repayment almost doubles in amount from what I originally borrowed - especially since the purpose is for higher education? I feel mislead and not told the full truth in lending or at least in a way that I could understand the future consequences when I borrowed in XX/XX/XXXX. 

As a consumer I feel that Navient is predatory and took advantage of students who needed extra financial help, which I used for supplies/fees/computers/living expenses, only to be in debt by twice as much and for 20 years just to pay off {$5000.00}. It just seems unfair.
Product: Debt collection

this is ni my account i dispute it 2 times all ready asking them to send me sonething that i sign they have nt send me any thing Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX i filled out a fraud affidavit for them, XXXX XXXX XXXX I filled out a fraud affidavit for them as well still reporting on my credit these are fraudulent open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to dispute an inaccurate public record on my credit report. Despite my request for proof of verification, methods of verification, etc., the company only responds with the " information has been verified ''. 

Failure to provide me with the requested information is in direct violation of section 609 of the FCRA rule.
Product: Credit reporting or other personal consumer reports

I am writing to provide ongoing updates and express my deepening concerns regarding the inaccurate payment history reporting by MoneyLion Inc . Despite my continuous efforts and the involvement of XXXX, the issues persist, and the impact on my credit report has worsened. 

MoneyLion is currently in litigation with me, further highlighting their failure to rectify the situation. As previously mentioned, MoneyLion has not only continued to report inaccuracies in my payment history but has also removed positive payment history entries. Additionally, they have disregarded my legitimate loan deferment requests. These actions have exacerbated the negative effects on my credit score and overall financial situation. 

I have been in communication with XXXX XXXX at the CFPB via email, keeping him informed of the ongoing situation. Despite my disputes with the credit bureaus, the inaccuracies in MoneyLion 's reporting persist. The removal of positive payment history entries and the reporting of inaccurate information are severely affecting my creditworthiness. 

I kindly urge the Consumer Financial Protection Bureau to escalate its investigation into MoneyLion Inc., focusing on the continued violations of the Fair Credit Reporting Act and their refusal to address these issues appropriately. Additionally, I request that you coordinate efforts with XXXX XXXX at the CFPB, who is currently handling the litigation against MoneyLion, to ensure a comprehensive resolution. 

I have attached updated documentation supporting my claims, including evidence of the removal of positive payment history entries, loan deferment requests, and the ongoing inaccurate reporting to the credit bureaus. 

Your continued assistance in this matter is greatly appreciated, and I look forward to a swift resolution that restores accurate credit reporting and safeguards consumers ' financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allowed incorrect information to remain on my account
Product: Credit card

CitiCards sent me an offer in the mail for an XXXX XXXX credit card with a promise of XXXX bonus miles if I signed up for the card. I applied for the card online as instructed and was approved and received the card. After meeting the minimum purchase requirements I still had n't received my bonus miles so I called and asked why. I was told that because I had had a similar card in the last 24 months that I was n't eligible for the miles. If this was the case then why did CitiBank send me the offer in the first place? When I applied online why did n't the system tell me that I was n't eligible? I would n't have taken the card without the bonus miles. This seems like a scam to me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in data breach and this is identity theft.