23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX  TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

XXXX XXXX has received numerous requests from me. After months of no reply, XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, which I received XX/XX/XXXX. The letter from XXXX XXXX stated that they are not able to locate my account with them with the information provided. I provided XXXX XXXX all possible personal information needed to locate my account with them. Due to the non-formational letter & statement from XXXX, I demand American XXXX Account Number XXXX to be deleted from my credit report IMMEDIATELY due to the fact they have no validation or proof of my account.
Product: Checking or savings account

Cash app closed my account after telling me me I gamble how would u know if I gamble because it dont tell cash app cash app is a scam XXXX closed my account with XXXX dollars in it and want let me log in my account XXXX I needed that money for bills I called XXXX someone asked for my social security number and everything just to tell me that its nun they can do I need my XXXX dollars back
Product: Debt collection

XXXX FUNDING, Dont know who they are. This compan never contacted me. Never signedf any documents with this vendor. Dont know how they aquried my information like SS, name phone number. Requested information of orginal lenders, refuss to give. Requried that I must give Social Security to Validate account. Refused to answer any of my question. Requested proof of balance was denied. There is no way to validate their information. Was threaten over the phone that i woukld be sued and employer would be contacted if not paid. with all the data breach from XXXX  and alert that my information was exposed. I asked for company validation and they would not provide. I asked what address they had on file that information was also denied. Please help. my employment is being threaten.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I became aware of a company by the name of Ideal Collection Services, reporting a debt of {$94.00} on my credit report. I immediately reached out to the company via certified mail to get further details and clear up any errors. The company then responded by sending me a copy of XXXX page from my lease agreement, which still did not justify or prove the debt is owed. After receiving the response letter, I reached out to the company by phone. I informed them that they were in violation of reporting a debt that I did not owe and asked them to provide details on the debt. The representative had no explanation for what the debt was owed for, however kept assisting that I owed it. I requested to have the address that notification was sent to and the representative did not have my current address either. I advised them that I had moved from the property in question XX/XX/XXXX, and satisfied my lease in full. It made no sense that two years later a debt collection company would be reaching out to me regarding charges that can not be validated or explained. I also reached out to the Property via email and received no response. Ideal Collection is still currently reporting the debt even after being notified via certified mail, that I do not owe the debt. The company also has no explanation of what the {$94.00} debt is for and is still requesting a payment. This is violation of the FDCPA, and by reporting it is also a violation as well under the FCRA. I have attached a copy of my communications sent to the company via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report from a company called XXXX XXXX. It is showing me as having been 30 days late. I dispute this, AND the company disputes it. I even have a letter from the company certifying that I was not late on this payment, but multiple dispute attempts leave it on my credit report. It only shows up on Experian as late. The company at fault appears to be Experian and not XXXX
Product: Mortgage

I asked ditech to waive a late fee applied to my account in XXXX via a QWR because I never received the notice of a rate increase and their site was down on XX/XX/XXXX ( a Sunday ) when I tried to log in to confirm my payment amount. I sent in my regular payment that did not reflect the increase and it remained unapplied, my account considered late. I received a notice of default and threats to foreclose. I send in the difference with my next payment and filed a QWR requesting they waive the late fee because I did not receive the notice and their site was down onXX/XX/XXXX. Ditech agreed to waive the late fee in their response to my QWR. 

Each month I log onto ditech.com to confirm my payment amount and today found a transaction dated XX/XX/XXXX titled 'reallocation ' that backed out months of payments and the XXXX late fee. It appears these payments were not reapplied to my account because my principle balance increased from {$120000.00} posted onXX/XX/XXXX to {$120000.00} ( an increase of {$1200.00} ) reallocated onXX/XX/XXXXand I was assessed another late fee. 

XXXX I called customer service for an explanation and to correct the reallocation. XXXX waived the additional late fee added to my account and confirmed the increased principle payment shown online matches their systems. She could not explain why backing out a {$33.00} late fee would increase my principle balance by {$1200.00}. Nor could she correct the problem. 

Given Ditech ( formerly greentree ) reputation, I am of concerned of being accused of defaulting even though my mortgage is current and losing my home because of an administrative error on their part. Given the customer service reps insistence that an principle balance increase of {$1200.00} is correct in waiving a {$33.00} late fee, I dont expect Ditech to behave within the law. 

I appreciate your assistance in correcting Ditech 's administrive error.
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 process 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 XXXX.
Product: Bank account or service

On XX/XX/XXXX, Citibank sent us a letter saying that for an unstated reason they were closing our primary, 30 year old checking account on XX/XX/XXXX and that our debit cards would be blocked 5 days prior. This is the account into which all our income is directly deposited and from which our bills are paid. Our daughter received a similar letter regarding her savings account the day before. 

We called the telephone number on the letter the day we received it and were told that the letter was sent in error and that we could ignore it. On Saturday XX/XX/XXXX, we discovered that our debit cards were blocked and that we had no access to our accounts on line or at ATM. We called and were told that there was nothing that could be done since it was a week-end. It was in fact a holiday week-end and banks were not open until Tuesday, XX/XX/XXXX. 

As of XX/XX/XXXX, the situation has been resolved after a branch visit and several hours of investigation. The one person responsible for our dilemma was on vacation from XX/XX/XXXX-XX/XX/XXXX. We never learned how the branch manager and his superior ultimately resolved the problem nor the reason for its happening. But the XXXX of those five days was terrible. We would have been without income for at least a month had that account been closed. Moreover, the failure of a global bank to be able to address so serious a mistake 24/7 is breathtaking and inexcusable. How can one person have that kind of power? 

Attached is a copy of our letter to the CEO of Citibank , N.A . and copies of the XX/XX/XXXX letters that both we and our daughter received dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have attempted several times to log into the Equifax website without success. I need access to the Equifax website to check my credit report. My student loans were forgiven and the balance is still being reflected on XXXX and XXXX. I was successful at creating a dispute with those credit bureaus regarding XXXX. However, I have been unsuccessful at accessing the Equifax site.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Product: Checking or savings account

In XXXX a large amount of cash was deposited into my checking account for XXXX XXXX dollars. I didnt notice the money because I had just deposited XXXX XXXX from my taxes. So the bank contacted me asking me about the funds and money and I let them know thats not my money and I dont know where it came from. Wells Fargo reversed the charges out my account and still made the decision to close my account down. 
So I asked how can I get my money Wells Fargo told me I can go in any branch to go get it. I went to the closet one which is in XXXX IL. I got there at XXXX XXXX  Friday. The teller ask me to have a sit and someone would come discuss my issue with me in the back. I bank  so I know how this go. The proper way was to call me in the back and then call lost prevention. This lady had a Wells Fargo worker meeting about my account without me. When she did come talk to me she came in the lobby in front of other customers. Thats a red flag you dont talk about my business in front of other customers. So the brunch manager came and took me to her office I explained the situation she said its still a hard hold on your account and I cant give your funds to you today. I ask for a reason she said I dont feel comfortable signing my name on there. She said can you tell me more about the money that came to your account that didnt belong to you. Then she printed out the checks I deposited from the irs and said my signature didnt match the check and my signature on id dont match the one on file. Listen I balled to this lady explaining to her I had death in my family I need my money. She said if I can show her a id with my signature on there that match she will do it. I showed her my ssn and other ids. Im a XXXX XXXX woman and I feel like I was mistreated and they wanted me to snap and make a scene and I didnt. Im getting my lawyer involved because I feel I was XXXX XXXX. The check from the irs had clear weeks ago so why do the signature matter if those funds already available. She said you should go where you deposited it at. I said good thing Im here because your bank deposited the checks and it was your bank that cleared them as well. Today is XX/XX/XXXX Wells Fargo been holding over XXXX XXXX dollars of my money I have not paid no bills or anything. Why tell me you will release my funds only for when I get there you give me all these problems.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.
Product: Debt collection

am wriGng to express my dissatisfaction on FOX COLLECTION CENTER with your recent attempt to collect a debt from me regarding my purported overdue balance of {$7900.00}, allegedly owed to XXXX XXXX XXXX XXXX. You are also in violation of 15 U.S. Code 1692e ( 10 ) False or Misleading Representations. Cease the reporting of the fraudulent items being reported immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have any contract with FOX COLLECTION CENTER. These accounts are fraudulent and does not belong to me, I have attached a FTC report along with this document.I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. The following account FOX COLLECTION CENTER ( Original Creditor : XXXX XXXX XXXX XXXX. ). I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX. and I do not have any contract with XXXX XXXX XXXX am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from FOX COLLECTION CENTER for the violation of my rights under the FDCPA. XXXX. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4. Reimbursement of any legal fees incurred in addressing this matter. If these demands are not met within upon of receiving this letter or 30 days of the XX/XX/year> of this letter, I will be led with no choice but to pursue legal action against FOX COLLECTION CENTER in small claims court to seek the afore mentioned remedies and compensation for the violations of my rights as a consumer under the FDCPA. I have attached a copy of my FTC report, ID, and notice to FOX COLLECTION CENTER. ( Please see attachments ).
Product: Credit card or prepaid card

Tried to use the card at a small business. Their Point Of Sale system was using XXXX to tender payment. I ended up using a different card. I called the company to ask why they had declined the transaction and I was advised that it was a " cash like transaction '' and the company does not allow that. The first time I tried to use the card to pay for my daughter 's tuition the transaction was declined for various reasons.i had to call and request them to process the transaction.
Product: Credit card

On XX/XX/year> before the XXXX XXXX  EST deadline I made my {$40.00} payment to Indigo card online on their website https : //indigo.myfinanceservice.com/ from my checking account and received an online confirmation of the payment having been submitted successfully for which I have a witness. Instead of showing my payment as having been submitted, Indigo Card issued by XXXX XXXX  fraudulently not only doesn't show any record of the payment having been submitted but is also asking for {$80.00} which 2 months of payment, for XXXX & XXXX, and has charged me a {$39.00} late fee. Indigo card has also billed my account for the interest charge, for monthly usage fee ( which was imposed after I had been a customer for 10 years ) and credit protection fee. Indigo credit card - XXXX XXXX  is committing fraud. First, Indigo card does not show the payment as submitted online and doesn't show any record of a payment having been made online until the amount has been debited from the account- this is a violation of Federal law. The payment HAS to show as submitted even if the amount is not applied to the balance until it has been debited. Second, by fraudulently denying submission of a timely payment, Indigo card then bills you a late fee. This is a violation of Federal law. By billing a late fee Indigo card denies the user from using any available credit until the late fee is removed and all charges ( interest, credit protection & monthly usage ) have been billed. More importantly, Indigo card falsely inflates the amount on which interest charges and credit protection fees are incurred or applied! This is a violation of Federal law. Additionally, the non-payment and ( falsely ) increased balance and credit usage shows on the card holders credit report as an adverse entry. Indigo card- XXXX XXXX is defrauding consumers and must refund all fees, interest and charges billed to the accounts & recompense me/ consumers for all the consequences arising from the above & adverse credit/ financial reporting & entries immediately .
Product: Checking or savings account

I had direct deposit of my account when I opened the account I. XXXX my income was stolen without authorization from an unknown person. I submitted an inquiry to cash app but they stated they couldnt refund my money back from who access my account. I dont have access to cash app because my account is closed and they wont give me access again. I want a refund of $ XXXX that was stolen from my account. Please advise next steps thank you
Product: Debt collection

Delete the late date of the disputed item from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011 Balance : {$290000.00}. Please update the status of this account ASAP.
Product: Credit card

I had a debt with this company and I made a payment arrangement with them. They did not honor the arrangement and still reporting a balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX Capital One Auto Financing Inquiry XXXX XXXX XXXX XXXX  I never applied for any accounts with these company 's I believe these accounts was open due to fraud and it is causing Hard Inquiries on my credit report which is hindering me from applying for anything that can help me with me and my family.
Product: Credit reporting or other personal consumer reports

Experian please remove the inaccurate late payments for the accounts listed below. You are in violation of USC 15 1666 B. This is another attemp for experian to correct two accounts with inaccurate late payments please update to pays as agrees paid as agreed. I have filed a complaint with the XXXX XXXX XXXX and will be forwarding to the attorney general of state thank you..