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

My girlfriend and I both have a mortgage loan through U.S. Bank. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

Thanks.
Product: Debt collection

There is a neg ative mark showing on my credit report as a collections account with a company called Debt Recovery Solutions.  They show the original creditor as :  XXXX . This debt collection just started showing on my credit report last  XXXX   2016 . I contacted Debt Recovery Solutions and told them I needed verification of what this debt was for because I had no idea what this was all about. They contacted me with in 48 hour s, but all they could tell me was that they verified the debt with  XXXX . I informed them that I needed details as to what the debt was for. I was told I would need to contact  XXXX  to obtain those details. I called  XXXX . After being transferred and retelling the story 3 times, and after being on hold for roughly  30 mi nutes, I was then informed that they had no record of what the debt was for. All they knew was that I owed " for something. '' I told them this was unacceptable. I then proceeded to dispute this with the credit reporting agencies - spelling out for them everything I just wrote here. All of them said the debt was con firmed. I assume that no real investigation occurred and that they just took the word of Debt Recovery So lutions. To this day,  XXXX  can not and has not provided an itemized bill of what I owe. While it is severely damaging m y credit score,  I refuse to just pay out {$870.00} that I do not owe. I do hope this agency can give some assistance to bringing resolution to this matter.
Product: Money transfer, virtual currency, or money service

Money was sent to me & I never received same number/ name so it was not sent to the wrong person. Zelle claimed it was just delayed but I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I begin disputing an erroneous Bankruptcy that is on my Experian credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Experian, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Experian does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Experian immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Company has account listed as a charge off on my credit report. Company is still requesting funds for remaining balance. It is my belief that the company has wrote the loss off on its taxes and still requesting money for vehicle.
Product: Checking or savings account

I received a phone call today ( XX/XX/23 ) from an employee from XXXX XXXX inquiring about the checking account application I had completed online yesterday. I advised him that I did not apply for any bank account yesterday and that I currently have zero bank accounts open at this time. My last checking account was with XXXX and that account has been closed for nearly one year due to inactivity. He then informed me that after further investigation of my name, that I have five open bank accounts. He named Chase, JP Morgan , XXXX XXXX XXXX, but I can not remember the other bank names. Ive begun the process of correcting these fraudulent moves in my name and adding extra protection where needed.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information on my consumer file that they maintain. The name XXXX XXXX XXXX needs to be removed. The name Ms XXXX XXXX needs to be removed and the tax lien information has been deemed identity fraud by the IRS so it should also be removed from my file. I previously disputed this information and LexisNexis stalled the complaints by sending 10 pages of information about not being able to identify me and other useless documents. I have provided my personal identification on several occasions now. This is my final attempt at trying to save cost on unnecessary litigation to get this information removed. You have 14 days to provide the evidence you used to verify this information or you will be sued.
Product: Credit reporting or other personal consumer reports

Equifax is reporting false information and numerous different names that i stated i knew nothing about nor was these my accounts nor was these my names i also didnt give equifax consent to be share my information without my knowledge nor consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Hello. 
XX/XX/2022 my parents bought me an XXXX  and XXXX  XXXX from XXXX XXXX and charge was XXXX total and they used my card to do so. 
At the same month I returned the items because I didnt like them and I wanted to use the money to treat mom and dad for vecation. 

Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. 

Couple of days passed and still I havnt received my money. Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see whats going on. 

I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. Its been 6 months and I got a letter saying my dispute is denied. 

I been a customer for over 20 years. Never ever had a bad experience like this. 
I want my money back and I dont know what to do. Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact Apple Store Please help me out
Product: Student loan

I have called three separate times and spoke with a representative to gain access to my monthly statements and other official communication. All three representatives promised to mail statements to my email, I have received none. Also, I wanted a formal ticket into my lack of access to records to be opened, with no resolution noted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
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 tak timely and effective measures to prevent al 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 readiness for these violations
Product: Student loan

I applied for two personal loans for my educational expenses while enrolled at XXXX University. This loan was applied through XXXX. This loan is managed through American Education Services. One loan was dispersed XX/XX/XXXX the loan amount was {$4000.00}. As of XX/XX/XXXX I have paid {$2600.00}. According to American Education Services this loan as of XX/XX/XXXX the total due is {$3400.00}. 

I have written letters asking for clarification regarding the balance and lack of regular statements. 
I have written letters on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is not a complete.
Product: Credit card or prepaid card

MY FIRST COMPLAINT IS ABOUT THE AMERICAN EXPRESS CHARGE CARD THAT I HAVE. I WAS TOLD THAT I DO NOT HAVE A FIXED LIMIT BUT EVERY TIME THEY REPORT MY BALANCE, THEY DO NOT REPORT THE TOTAL BALANCE THAT I HAVE PAID OFF. I PAY THEM EVERY MONTH IN FULL. THERE IS NO WAY I CAN NOT PAY AND STILL HAVE THE ACCOUNT. WHY THEN IS IT THAT EVERY MONTH THEY FAIL TO REPORT TO CREDIT BUREAU THAT THE ACCOUNT WAS IN GOOD STANDING AND FULLY PAID OUT? THEY KEEP REPORTING LIKE I OWE THEM. AS AT TODAY I HAVE PAID EVERYTHING IN FULL, WHY DO I NOT GET CREDIT FOR MY PAYMENTS. XXXX  AND OTHERS CONTINUE TO REPORT THE TOTAL AS PART OF MY BALANCE, MAKING MY BALANCE TO JUMP UP AND THEN MY TOTAL UTILIZATION SKYROCKETS PUTTING ME AT A VERY LOW LEVEL IN CREDIT WORTHINESS AND AS A RISK. I HAVE HAD THE AMEX ACCOUNT FOR SEVERAL MONTHS AND HAVE BEEN PAYING IT CONTINUOUSLY THEY NEED TO REPORT THAT. THEY NEED TO STOP MAKING IT LOOK LIKE I DO NOT PAY BILLS, EVER! THEY NEED TO REPORT MY ACCOUNT ACCURATELY. THEY ALSO CLAIMED RECENTLY THAT BASED ON XXXX   REPORT MY ACCOUNT WILL BE DOWNGRADED. THIS REPORT BY XXXX  WAS INACCURATE AND I HAVE MADE A COMPLAINT SEPARATELY ABOUT THE EFFECT OF THIS INACCURATE REPORTING TO SEE THAT THEY CAN AMEND IT, BUT THIS HAS NOT HAPPENED. THE HARMFUL EFFECT OF THIS ACTION WAS THAT AMEX NOW USED THAT INCORRECT REPORT TO DOWNGRADE MY AMEX CHARGE CARD WHICH I VEHEMENTLY DISPUTED, BUT AMEX AND XXXX  HAVE REFUSED TO COMMUNICATE WITH EACH OTHER ON THIS MATTER AND CORRECT THE WRONGFUL INFORMATION WHICH WAS BASED ON A DELINQUENCY BY A MERCHANT- XXXX XXXX XXXX. THIS ERROR HAS BEEN REMOVED FROM MY CREDIT REPORT, BUT AMEX CONTINUES TO USE THIS INFORMATION TO DOWNGRADE MY ACCOUNT PRIVILEGES. IN ONE INSTANCE IN XXXX, I REQUESTED TO PAY A BALANCE OF ABOUT {$200.00} THE NEXT WEEK AND I ASKED IF THIS WAS OKAY, THE AGENT TOLD ME BECAUSE OF MY EXCELLENT PAYMENT HISTORY THAT IT IS FINE, TO MY SHOCK, WITHIN A FEW DAYS, IN FACT RIGHT BEFORE I PAID THAT BALANCE, THEY HAVE ADDED THAT I MISSED A PAYMENT AND THAT I WAS NOT FULFILLING MY DEBT OBLIGATION AND SO MUCH MORE, AND SENT OUT THIS INFORMATION AS IF THEY DID NOT SEE THAT I ASKED THEM IF IT WAS OKAY OR NOT AND THAT I COULD PAY IT ANYHOW, AND I WAS TOLD IT WAS FINE BY THEIR STAFF MEMBER. THE QUESTION IS, DID THIS STAFF MISREPRESENTED THE INFORMATION? DID HE LIE TO ME? DID HE DO WHAT HE WAS SUPPOSED TO DO BUT THE INTERNAL REPORTING SYSTEM WAS NOT EFFICIENT? THIS IS IRRESPONSIBLE BUSINESS PRACTICES AND SHOULD STOP. THEY NEED TO TREAT CUSTOMERS WHO ARE IN GOOD STANDING WITH DIGNITY AND RESPECT. 

MY SECOND COMPLAINT IS THAT AMEX HAS REFUSED TO INCREASE MY CREDIT LIMIT DESPITE MY EXCELLENT PAYMENT HISTORY EVEN IN MY CREDIT REPORT. THEY TOLD ME THAT THIS WILL BE POSSIBLE IN THE FIRST SIX MONTHS OF GOOD USE OF THE CHARGE CARD AND OTHER CARDS BUT THEY HAVE NOT DONE SO. 
INSTEAD, THEY DECREASED MY LIMIT ON THE CHARGE CARD LAST MONTH FOR A FLIMSY EXCUSE WHICH I DETAILED ABOVE.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of inaccurate bankruptcy-related information on my credit report. Upon a detailed review, I identified references to a bankruptcy filing that do not pertain to me. I have never filed for bankruptcy, and this erroneous record appears to result from an inadvertent merging of my information with another individual possessing similar identifying details. This misattribution is inflicting undue harm on my creditworthiness and financial reputation. It is imperative that this erroneous record be promptly corrected. Specifically, I request that : 1. The bankruptcy language be entirely expunged from my credit report, as it bears no connection to my financial history.

2. All accounts, notes, or status updates erroneously associated with the bankruptcy record be rectified to accurately reflect their true status. 
To support my dispute, I am providing the following documentation : Personal Identifying Information : XXXX XXXX, XXXX : XXXX, DOB : XX/XX/XXXX 
Proof of Identity and Address : A copy of my government-issued ID and a recent utility bill. 
I request that your agency undertake the following steps : 1. Investigate the origin of the bankruptcy entry to determine its accuracy and association with my credit file.

2. If the information can not be substantiated as both accurate and directly attributable to me, it must be permanently expunged from my credit report as required under the Fair Credit Reporting Act ( FCRA ).

3. Provide written confirmation that the bankruptcy entry and any related references have been removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX
Product: Money transfer, virtual currency, or money service

i sent money through Zelle in 2020 to the wrong person called zelle to cancel transaction they denied it
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom put me as a authorized user onto her XXXX XXXX XXXX  but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please
Product: Debt collection

on XX/XX/2020 I sent out a request for the Collection agency to provide me with validation of date. I told them to include a copy of the judgement in writing, complete accounting of debt which includes loan amount, payments, interest, and any fees associated with the loan. I also requested that they provide me with the original contracts with signatures.If not provided to me then I am requesting deletion for violation of the FDPCA. On XX/XX/2020, I received a notice from ERC stating that they provided me with requested documents. Upon receipt I noticed that they actually did not send what was requested and are using stall tatics instead if providing what I asked of them. I do not believe I owe them anything, especially if I cant be provided what are my debt is reporting to the bureau. Please assist I have attached all documents for reference
Product: Checking or savings account

I have been trying to receive funds on a closed account since XXXX. Apparently the first check was lost. I filed a notarized declaration of it being lost at a branch at the end of XXXX but is now XXXX and I still have not received a check. When I call and ask for a manager I get placed into an endless hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open an on-line dispute on several accounts with both XXXX  and TransUnion. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for XXXX, I do not have the conformation number for Transunion. 

Today I was finally able to get through to the Transunion Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing.

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency!

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX  XXXX ILLINOIS XXXX CITIBANK ACCOUNT : XXXX Consumer Fraud Case # XXXX CERTIFIED MAIL XX/XX/2021 CITIBANK XXXX XXXX  XXXX XXXX XXXX  SD XXXX To Whom It May Concern- Thank you for your letter XX/XX/2021. Please note the following details ( a ) the services were not provided by the merchant ; ( b ) I contacted Airbnb to complain about the bug/rodent infested location ( even they have admitted that and have records of calls related to the same is Citi claiming that does not exist? ) ; ( c ) I provided details to Citibank about why I disputed the charges. Even the merchant policies acknowledges bug/rodent infestation is a reason for not consuming services ( though they ignore it for my case ). 

Most importantly, CITIBANK continues to violate Federal Law ( specifically FDIC Statute 226.12.z ) and provides no legal reason it does so in fact it purposely ignores my several letters specifically stating I can not resolve my dispute with the vendor and I am asserting my rights under the law to direct CITIBANK to not pay the charge. 

==== ==== ==== Thus, I am specifically asking ( and I am sure the OCC Federal Bank Examiner will also ask ) for a formal reply to I ( XXXX XXXX XXXX assert to CITIBANK XXXX the card issuer ) that I have a dispute with AIRBNB ( the transaction ) that can not be resolved and I am directing CITIBANK XXXX the card issuer ) to withhold payment to AIRBNB permanently. 
==== ==== ==== Lastly, illegally, ( you are now notified ), Citibank said a note on my credit record exists for a charge and will only be removed if I contact CITI and pay that charge. Note I am officially stating I *have* already paid CITI for that disputed charge, CITI collected the funds from me, and still wants to place a dispute on my Credit Report for a charge they already got paid for? CITI can not have it both ways, violating Federal Law, denying a dispute, getting payment for it, placing a negative entry on my Credit report, and asking me to pay again to have that removed? That is negligent intentional harm to me and my Credit - if I apply for credit and its denied due to that entry, CITI will pay damages. 

Sincerely, XXXX XXXX