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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a XXXX ( order number XXXX ) in the amount of {$3500.00}, which posted to CitiBank XXXX XXXX account on XX/XX/2022. The bed was purchased for XXXX XXXX XXXX, who is diagnosed and suffering from Stage XXXX XXXX and undergoing XXXX. Originally, the bed was scheduled to be delivered on XX/XX/2022. The delivery date was then postponed to Monday, XX/XX/2022. However, the driver then called and informed her they couldnt deliver the bed because it was damaged. ( See photos ). The delivery was then changed to XX/XX/2022, and then XX/XX/2022. On the XXXX failed date of delivery ( XX/XX/2022 ), XXXX XXXX XXXX received a call from the driver advising that the bed could not again be delivered because it was damaged. Please be advised that XXXX XXXX did not ever receive the merchandise as the drivers refused to even attempt delivery due to the damaged condition of the merchandise. I called XXXX numerous times and dates ( I have proof of the phone calls and various emails ) to obtain a resolution of this matter. I was advised by XXXX of XXXX on XX/XX/2022 that the bed would be delivered via XXXX XXXX and would be delivered undamaged on XX/XX/2022. The bed was then scheduled to be delivered on XX/XX/2022, between the hours of XXXX XXXX pm. I have repeatedly emailed and called ( see attached emails and photo proofs ) XXXX in a good faith effort to resolve this situation, to no avail. XXXX keeps promising to call me with an update and never do so. I have exhausted all recourses with XXXX. Now they won't return our calls. We want a refund as we have not received the XXXX we paid for! I have contacted CitiBank to have them fully refund the amount on my debit card as we have not received the bed that was purchased for a XXXX patient.
Product: Credit reporting or other personal consumer reports

Creditor reporting lates once its already in default.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXXXXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit card

I noticed XXXX fradulent charges on my account in XXXX 2016, and immediately reported it to USAA. As I still had physical possession of the card, I attempted to find out where my card information had been compromised, and I became convinced that it was via an online auto parts store I had recently used which lacked proper SSL authentication. When attempting to contact the parts store, I received no response, and subsequently reported these charges as fradulent to USAA. 

The following week, the parts actually arrived, and I immediately contacted USAA to ask them to re-authorize the charges ( approximately {$1700.00} ), as they were valid. 

This has led to an absolute nightmare, as that {$1700.00} has been credited to and debited to my account over 11 times over XXXX billing periods during the past 4 months. USAA insists that I never paid the {$1700.00}, despite numerous attempts to prove that this is impossible given the numbers shown on the billing statements. During these XXXX billing periods, I made purchases on the card totaling {$5100.00}, and paid {$4700.00} in bills, thus I owe USAA {$390.00}. 

USAA however, insists that I owe them {$980.00}, and I have also been told that I am actually coming out ahead, as that number SHOULD be {$1300.00} ( as they admit that their accounting is inaccurate ). I have been insistent for over 4 months about what I owe, and I simply want to pay the {$390.00} to settle the accounts. This has proven impossible, and I refuse to pay more than I actually charged to the card in goods and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

everytime i dispute information with equifax and experian they never properly investigate the accounts they always come with results that they investigated it in 3 days they never explain to me the investigated results who they talked to nor show me proof of ownership and signatures required by FCRA and updated copy reports they never properly investigate and because of that i have bad credit due to Identity theft!! they say they investigated the accounts within not even a weeek they always give me the run around and not help meee i have submitted police reports and documentation to proof that the accounts or information is wrong and they still decide to say that the accounts and info is correct especially equifax is a headache and XXXX  neveer had a problem with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem with all companies including 3 major reporting Bureaus XXXX, XXXX, and Experian with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am demanding these accounts be deleted from my report.
Product: Debt collection

Ive tried contacting the company several times through mail and CFPB but Ill like it is weve done a full investigation and put the same numbers back on my credit report
Product: Student loan

I have been requesting XXXX to unlock my account for over a year. I am unable to manahe my loans. I complained at CFPB and XXXX promised they would unlock ot. Yet my account still remains locked, and XXXX does not reply to my mails.
Product: Debt collection

I am trying to dispute a charge of {$17000.00} to my credit card citi account the charge is being disputed because the items were not delivered I was overcharged bad service and the project was never completed. I hired a company named XXXX to build a website and after a year they never built the website they fraudulently charged my card numerous times and when I tried to dispute this charge through citi ( after a good fath attempt to the XXXX company ) and at first was told they did not respond in time and believed that the dispute was completed in my favor and for some reason the dispute was not in my favor due to wanting more information. I am now submitting a packet a very thorough detailed information to support my claim to Citibank I would like to file this claim in regards to my right to dispute accounts and charges like this due to bad service and never receiving a website after a year of hiring this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clay Cooley aka XXXX XXXX has not reported my on time payments to the credit bureau 's. Clay Cooley is a 2nd chance financing credit rebuild vehicle loan program and state they report payments and to date this has not been reported during my 1 1/2 years loan with them I 've even sent letters to all 3 credit bureau 's requesting that this be done as of the beginning of this year/
Product: Debt collection

On XX/XX/XXXX Portfolio recovery reported a {$470.00} collection account to my credit report, I contacted them explaining i never owed this debt however they said " I actually made payments on it '' which never happened they said this was a PayPal card and it had a New York address on it, I contacted PayPal they stated that my account is 100 % clear and i don't owe anything to them, After back and forth i learned that this debt belongs to synchrony bank which i contacted they said they'll file a report and they'll mail me the result within 60 days I've never gotten a single letter. 
On XX/XX/XXXX and 2 years prior to that I was literally living over XXXX miles away from the address they stated. I disputed the item to the credit bureaus but to my shock it came back validated. This collection impacted my credit with XXXX points and made it way harder for me to obtain credit. 
Portfolio recovery with XXXX rating from the better business bureau insisted that i owe the debt, even though i gave up to their scam and paid them the money they'll still be on my report for 7 years, I believe that's highly illegal to play with some random people life 's like that. 
I've got in touch with multiple media outlets and gon na share my story if CFPB did nothing to my case.
Product: Mortgage

I am on a bi-weekly advantage payment plan that makes my monthly mortgage payments on my behalf to Ocwen. These payments are sent by XXXX Bank XXXX Ins company each month. On XXXX XXXX, Ocwen misdirected my monthly payment to my Escrow account. XXXX different Ocwen escalation agents have confirmed this is an error on Ocwen 's part. XXXX promised it would be taken care of within XXXX business days and provided me a number to reach them at directly if it was not resolved by then. XXXX have not been reachable since. It is now XXXX, I 'm still receiving collection calls and letters. And today XXXX/XXXX/XX/XX/2015 I received a formal letter in the mail that requires me to respond by XXXX/XXXX/XX/XX/2015 as to whether we want to refinance our house or apply for a loan modification. We do n't need assistance in paying our mortgage, Ocwen needs to apply our payment appropriately. Additionally, we pay approximately {$420.00} extra dollars towards our principal each month of which they are placing in a suspense account because they say they can not apply it to the principal until our loan is current. Our loan is CURRENT. I 'm at my wits end and feel it is time to hire an attorney. I have documentation to support this claim, as well as XXXX XXXX 's confirmation directly to the escalation specialist of the payment and the check number, of which they have confirmed was indeed cashed. The escalation specialist # 1 was XXXX, XXXX ID XXXX, XXXX, extension XXXX and # 2 XXXX XXXX, phone number XXXX, option XXXX, extension XXXX. Additionally, on XXXX/XXXX/XX/XX/2015 XXXX XXXX instructed me not to make any further payments until this was resolved to cut down on confusion on which payment I was making while they work this out. Had I followed his direction I would likely be in line to lose my home at this point.
Product: Money transfer, virtual currency, or money service

sir, XXXX XXXX  XXXX  agent told me that he deposited court entrusted reimbursement amount from XXXX XXXX in my coinbase wallet. for the activation of that amount he insisted to pay XXXX $ biticoin to my coinbasewallet. when we deposited XXXX $ biticoin, he withdrawn total amount from wallet without my approval and consent. he also created fake coins and deposited in the coinbasewallet. please take action against blockchain agent and recover my XXXX $ regards rameshnaidu
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX never produced a signed original contract with my wet signature or produced original contracts or if they own this debt as well.
Product: Credit reporting or other personal consumer reports

I was checking my credit report when I found an inquiry for OneMain Financial. I immediately called OneMain Financial and asked them about the inquiry and they said someone tried to open an account with them. The lady then transferred my call to a man named XXXX. I explained to him that I did not know anything about this and that I had been a recent victim of someone hacking into my banking account and taking money out of my account and now I am dealing with someone trying to open this account in my name. He stated that as of right now the account was just opened and that no further actions had been taken on that account at the time and he stated that because I did not open this account, that he would flag this account because this was done without my consent. He stated that he would send me an email to confirm that he flagged this account and sent a request to credit agencies to have this removed off my credit report and he said I would also receive a hard copy of that confirmation in the mail neither of which I have received. I am asking for this inquiry to be removed ASAP ; therefore, I will be suing for {$1000.00} in damages for this ruining my credit report and my attorney will sue for any day that it remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a vehicle with this company and they refuse to update the credit bureaus, instead they decided to close the account with a balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce 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: Credit reporting or other personal consumer reports

As of XX/XX/year> XXXX XXXX auto finance had been under Cease and desist order for communication by all means and had violated by reporting transaction history of account to third party agency who is not an authorized affiliate Which is a violation of my federally protected consumer rights
Product: Debt collection

I received my XXXX XXXX ( checking & savings ) statement indicating the law office illegally seized my XXXX to XXXX XXXX {$2800.00} ) SS benefits that opened the accounts & allowed me to be able to cash the checks at that time with US Treasury checks. The US Treasury stopped SS benefits checks & mandated direct deposit which I enclosed XXXX XXXX. Those SS funds are federally protected & the law office needs to put them back into my checking & savings accounts. The law office states I owe them for not being in-possession of their property from XXXX to XXXX & they are charging me with that some {$7000.00} plus cost & interest for their possession of their property. He also needed my SS # which is illegal. The law office has not given any specifics as to why they did not garnish anything from XXXX to XXXX plus they have never sent me any bills stating I owe them which indicates for me some sort of holiday fraud & /or some despair on their part. In contacting the law office I've left several voice messages of which no returned phone call. Yesterday morning the receptionist hung up on me. Today I finally got to speak to XXXX of which I was told this updated information about their property possession of which I am charged for never being there-charged for not being in possession of their property. They state I owe them all that money because they are in possession of their property. I'm being charged for non-possession & there has never been any bills sent in the US Mail for this alleged debt. I AM ON XXXX & XXXX OUT HERE ON THE STREETS! I have filed for Indigency, a Squashing of the garnishment, & an SSA benefits Exemption Claim while still using my SS benefits for phone calls, US Mailings, postage, time, emotions, mental anguish ... .they illegally garnished federally protected SS benefits. 

They need to put those funds back into my checking & savings accounts & clean up what they have put on my Credit report in their illegal practices as an alleged " debt collector ''. They need to leave me alone & no further contact from them to me in regards to any of this in an probable attempt to interstate stalking, harassment, & illegal practices. I do not have the Option above to choose all that applies to all of this. XXXX is federally protected checks opened accounts in XXXX, checks cashed via accounts till XXXX & have remained there since for emergency & funeral travel for family, necessities. 
Due to technology & uploading my information I have more than 10MB & am not able to delete any more in the file without losing my proof.
Product: Student loan

Hello I had private student loans through XXXX/navient back in XX/XX/XXXX which were all paid off. In XX/XX/XXXX I was contacted saying that my four year private loan payment came due and I would have to pay over XXXX dollars when i am still in school for my XXXX. First I explained these were paid for and if they were only for four years why was I notified 8-9 years later. They did n't have an answer and refused to get to the bottom of this issue saying regardless I had to pay my loan that now had 9 years of interest. Navient never notified me I still had a loan with them from XXXX and wanted me to repay money I did not have. When i confronted them about this they said there was nothing they could do and oh well sorry about your luck. First off I already have one set of documentation saying one of the alleged loans were paid so basically they are trying to make me pay the same loan twice and then gave no sympathy I was still in school and could not afford the payment only stating oh well i guess your credit will suffer. In addition as stated even if some of these loans are possibly open they waited 8 years on a four year loan allowing years of interest to compile until they informed me
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I mailed out two checks both were {$500.00} ( {$1000.00} ) and one was to pay off a credit card for chase bank and one was to pay off another card but was discover. I drop them in a drop in box at the United States Post Office to mail them. Everything went normal till I received a call on XXXX, XXXX from a detective in my local police department ( XXXX XXXX, GA ). The detective told me that my checks were stolen and were stolen from a worker from the post office. The worker there cashed those checks. So after that I went to my bank ( Chase ) to get this situation resolved. I did some paperwork and documents. After that Chase bank kept wanting me to do more paperwork and more. After all that, going to the bank and doing paperwork. I received ONE check for XXXX on XXXX, XXXX and that XXXX was from the check that I needed to pay off my credit card bill ( Chase ). I go to the bank to see where the other XXXX is and they said they are still working on it. On XXXX, XXXX, I go to my bank just to find out Chase tried to drop my case. The teller at the bank help me call a supervisor at chase to open my case up again. They said the closed it because the check was cashed in more than 6 months. So I told the supervisor to open my case up because It shouldnt take this long to dispute this check. So she reopened it and apologised. After that on XXXX I received a letter in the mail that they didn't want to give back the XXXX because this case was more than 6 months. So I stopped and gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX did not do a thorough investigation on a bankruptcy being reported on my report. They refuse to investigate a previous dispute again stating they already verified the information with the courts. I sent them a letter from the bankruptcy court twice and the letter stated that they do not verify information with credit reporting agencies or 3rd parties as you will see with the attached documents. That was the first lie they told me. Then, they stated they verified it through XXXX. So, I called XXXX and they stated they have no record of a bankruptcy on my report. XXXX also sent me a copy of my report and it had no indication of a bankruptcy on my report. ( please see the attached document ) I also sent them a copy of a section of the report which showed no bankruptcy. Please help me fix this make them remove this information. I will attach what I sent them. Thank you.