23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a XXXX debit card account. I emailed XXXX a photocopy of my state identification card and IRS tax returns to verify my identity. XXXX reviewed and accepted my documents and mailed my permanent XXXX card. My account is active and in good standing. I downloaded the XXXX App and created an online account. I attempted to mobile deposit a government check ( unemployment insurance ). I endorsed the check and took a clear legible photograph of front and back. I then received a verification error message. It stated Ingo Money Services was unable to verify my identity and to deposit elsewhere. This is egregious for Ingo Money Services. I have already successfully submitted my valid state identification card and IRS tax forms. How are they unable to verify my identity? My ID card is not expired and was approved by XXXX. The name on my check is the same as it appears on my state ID, IRS tax return and XXXX account. I called XXXX to ask why Im unable to deposit my government check. They said I have to contact Ingo Money Services. XXXX indicated they accept unemployment checks. I called Ingo Money Services on Monday, XX/XX/2021 and was on hold for over an hour. Then I spoke to a female representative ( XXXX XXXX ) who was rude and continued to interrupt after I asked her not to. She had an unprofessional tone and continued to interrupt on purpose. She refused to answer my questions. Then after providing my personally identifiable information, she stopped talking and I was on the call without any sound. The phone conversation occurred around XXXX XXXX. PST. The telephone number I called was ( XXXX ) XXXX. I asked the agent to call me back if the call was disconnected. She indicated yes, however, I never received any call back. Essentially, she deliberately lied and was dishonest to the core. This reflect poorly upon Ingo Money Services and XXXX. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims court action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Federal Trade Commission CC : Attorney Generals Office
Product: Debt collection

I called trying to see why i owe so much because it hendering my life i am homeless with my kids and i asked can they send me original documents to prove a  XXXX  debt owed on to apartment they stated on one account of  XXXX  intrested occured and  XXXX  occurred on another never recieved notice of it being in collections found out by checking credit report then i asked to speak with a supervisor he was rude and proceeds to tell my i have a lawsuit againt me and i would be contacted i told them i havent recieved nothing via court got off the phone called back the next day requesting documents sayed they would send me nothing. Only if I request my debt in writing i then contacted BBB and filed a complaint they send me documents partial lease agreements and spreadsheet break down nothing showing I owe  XXXX  no original stated from property company i went to the court house to see if anything was filed against me nothing i called them back and ask them was the lawsuit still active a manger that has my case a woman stated that the lawsuit was dropped because i stop working never once did in tell them i wasnt working when i been had a gov job then i again told them that what was sent to me wasnt accurate and she stated but it in writing i asked her if payments where made can i get statements on my monthly payments she stated no they would n't knowledge nothing unless it 's paid in full and they dont and want give me a copy of what i send them
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft and Credit Fraud. This card that I did not recognize. 
XXXX Account number XXXX Account type Credit card Responsibility Individual Date Opened XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, CA XXXX IS NOT MY ADDRESS ; It is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX  my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and saw errors. I contacted Transunion via phone and certified mail dating back to XX/XX/2021 and have not gotten anywhere. They have placed this negative account on my file with no verification provided to me. It is in accurate and needs to be permanently deleted now as this is damaging to my attempts for employment and home ownership, and with this negative info on my report. It had cause me to be denied fir my home loan and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Below, please find a summary of the inaccuracies that I am disputing in EXPERIAN : : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXXXXXX - XXXX The following inquiries were not authorized : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Below, please find a summary of the inaccuracies that I am disputing : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint against all three major credit reporting agenciesEquifax, XXXX, and XXXX their failure to correct inaccurate personal information on my credit reports despite my repeated attempts to resolve this matter. The inaccurate information reported by these agencies is not only a violation of federal law but also continues to harm my ability to maintain a fair and accurate credit profile.

I demand immediate removal of all inaccurate personal information and compliance with federal regulations mandating accuracy and verification.

Violations of Federal Law The credit reporting agencies have failed to comply with several federal laws regarding accurate and verifiable

reporting, including but not limited to : 1. 15 U.S. Code 1681i Procedures in Case of Disputed Accuracy Under this statute, credit reporting agencies are required to investigate disputes thoroughly and correct inaccurate information. Despite providing clear documentation of my correct personal information, the agencies have failed to rectify these inaccuracies. This constitutes a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ).

2. 15 U.S. Code 1681e ( b ) Compliance to Ensure Maximum Possible Accuracy Credit reporting agencies are legally obligated to ensure maximum possible accuracy of all information reported. The continued presence of incorrect personal details on my credit file indicates their failure to meet this standard.

3. 15 U.S. Code 1692e False or Misleading Representations Reporting inaccurate personal information on my credit file amounts to a false representation of my identity. This misrepresentation creates unnecessary obstacles for me in maintaining my financial reputation.

4. 15 U.S. Code 1692f Unfair Practices in Debt Collection The failure to accurately report my personal information can result in incorrect or unfair collection actions against me, creating additional financial and emotional distress.

5. Truth in Lending Act ( TILA ) Accurate and verifiable credit reporting is essential to ensure fair lending practices. Inaccurate personal information undermines my ability to obtain fair credit terms, in violation of the principles outlined in TILA.

6. 15 U.S. Code 1681n Civil Liability for Willful Noncompliance The repeated failure of these agencies to correct the inaccuracies after being notified demonstrates willful noncompliance with the FCRA, making them liable for damages.

Impact of Inaccurate Reporting The failure of the credit reporting agencies to maintain accurate and verifiable information has caused significant harm, including : Credit Denials : Incorrect personal information undermines my credibility and leads to unwarranted denials of credit applications.

Identity Verification Issues : The inaccurate information has caused unnecessary delays and complications in financial and personal matters requiring identity verification.

Emotional Distress : The continued presence of incorrect information has caused stress and frustration as I attempt to rectify these issues.
Product: Credit card

I am a XXXX  member since XXXX, I have excellent credit, I was offered a pre-approval by Syncrony aka Amazon, they pre-approved me, asked me to call, I spoke with CSR and he asked me to verify my identity, no worries... I have my passport here, nope we need your driver license. I told them I am a dual citizen and use my XXXX ID but I have voters, bank statements, 8 high value credit cards ie XXXX, XXXX, XXXX XXXX, etc... and all top tier cards. I asked if the credit was a hard pull yet, no no, but sir since you are traveling we can go ahead and approve this and you will simply get the card and by getting the card physical at your address there won't be a need for the ID because it will prove by you getting it and activating with us... ok fine. Congratulations blah blah... I knew I would be approved but then Amazon made it my default payment without my knowledge and it tried to charge to the card and their fraud department locked the card on my own Amazon account and then did the same with the ID... and to mail it in, and all kinds of things I did not agree to. 

I was offered the card to simply wait to activate which was fine, now I have a hard pull on my credit and a USELESS card. I don't NEED Syncrony, they won't like me anyway because I don't have debt, I pay off immediately and never carry balances hence my average XXXX XXXX is about XXXX on average. 

I want this published to warn others of their lie that I agreed to and got the hard pull knowing I'd be good when the card came bit it was opposite.
Product: Credit reporting or other personal consumer reports

ive sent multiple correspondences via certified mail attempting to correct the inaccurate information on my report. just recently sent in an online dispute inquiring the removable of these unverifiable accounts that have incomplete account numbers reporting. Requesting them to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and Equifax both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX  has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted. 

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report. 

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Product: Money transfer, virtual currency, or money service

I sent over {$18000.00} to a scammer with Zelle since they had my personal information and threatens to report me to the police for missing taxes ( I just started working so I dont know much about it ). After realizing I got scammed I asked Zelle for reimbursement from the accounts I sent to, and they refused to do so.
Product: Credit reporting

I have an illegal online lender reporting a several year old charge off on my TransUnion report. I have disputed the validity of this item as many as 10 times in the past two years and each time I never receive any information from TRU except " Account Verified ''. I have asked repeatedly for the means of verification and the details that were verified only to be told that this is TRU internal information only and can not be shared. With each dispute, I have received a letter from the information furnisher acknowledging the request for debt validation, but never anything actually validating it. After speaking with a supervisor at TRU following my last dispute on XX/XX/2017 ( which was closed within days as " validated '' ), I contacted the original creditor ( information furnisher ) in writing demanding validation of the debt including all pertinent information they are reporting. I received a letter a few weeks later that stated " We are unable to validate this debt. '' I again contacted TRU with this information and was told to fax them the letter which I did. I was told by TRU that it would take up to 5 days to complete the update to my file. Having received no response or acknowledgement of receipt from TRU, I called a few days later for an update. At that time, I was told that TRU had initiated another validation request to the creditor and they then had 30 days to respond. After being transferred to a supervisor and demanding to know what additional proof they needed and what exactly they are validating, I learned that this is the exact same electronic request they have allegedly sent close to 10 times previously that does not require any evidence or any kind of real validation other than a YES/NO reply. I asked why they were doing this knowing that they had sent the exact request multiples times already and since they had a letter in their possession from the creditor that plainly states validation is n't possible. Unbelievably, TRU 's answer was that they " need to ask the creditor if they agree with the contents of the letter. '' This is a letter that THEY WROTE! In exasperation, I asked one final time, what proof I needed to provide that would at long last remove this item and I was told that they could not tell me that as it is internal information. 

It is obvious that TRU has not validated this debt as they claim as the creditor themselves stated in writing that it is n't possible. TRUs unwillingness to accurately verify the items they report, and their refusal to remove reporting of items that have been proven invalid is a clear violation of, and willful non-compliance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, submitted a complaint on XXXX on Experian, by law Experian had 30 days to reply to my complaint. Today is XX/XX/2021, which is over 45 days. 

I'm asking CFPB to have Experian remove all items that are attached to complaint number removed from my credit report immediately according to the letter I wrote. 

Complaint number is XXXX
Product: Credit reporting or other personal consumer reports

My personal Information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX, Bal- XXXX, opened : XX/XX/XXXX # XXXX ACCT # : XXXX, Bal- {$0.00}, opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX - ACCT XXXX XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$660.00}, opened : XX/XX/XXXX # XXXX : ACCT # : XXXX, XXXX {$460.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$1200.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX Bal- {$900.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX {$300.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$600.00} XXXX opened : XX/XX/XXXX Credit XXXX - ACCT # : XXXX, Bal- {$3000.00}, opened : XX/XX/XXXX 2022
Product: Mortgage

Wells Fargo will not correct the second mortgage showing on my title and they have been avoiding it for over 15 years. This time they are trying to blame it on another bank, XXXX XXXX XXXX. I want this corrected. I have never had a second mortgage.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.