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

See letters sent, there are multiple errors on my credit report and they need to be rectified
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, I received a letter dated on XX/XX/XXXXXXXX XXXX XXXX from your company indicating that I had requested the credit card, which I never did recently to any credit companies and banks. I would like you to investigate this case number XXXX to protect the safety of your preferred customer and increase the reliability of your company. 

Sincerely,
Product: Checking or savings account

XX/XX/XXXX : I opened a joint checking account with my daughter who is in XXXX for the summer. Prior to opening the account I was told if I did an electronic transfer, money would be available in 24-48 hours. Electronic transfer initiated XX/XX/XXXX, funds received XX/XX/XXXX. 
XX/XX/XXXX : my daughter called THREE TIMES trying to get them to send her debit card to her in XXXX. Rep # 1 told her to go online and do it herself. After trying that and not being able to input the XXXX address she called back. Rep # 2 puts her on hold and disconnects her. She calls back again and Rep # 3 tells her to send a photo of her passport, which she does. He then tells her he needs to get a manager to finish helping her and puts her on hold. Manager never picks up and she is disconnected again. She is XXXX, away from home on her own, training 12 hours a day for the national team and has just spent 45 minutes of her 1 hour break trying to get help with a simple request. She calls me close to tears for help. I call ( I am the primary account holder ) and they refuse to help. They need to " speak to her directly '' even though the account is in my name as well and I explained to the manager that she does not have the free time to keep calling them. At this point I say I will just find another bank and would like my money returned. This is when he tells me that the funds will not be released until XX/XX/XXXX and I have to wait until then to close the account. So they have taken my money and are holding it several days while they collect interest on it and provide no service in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

Telerecovery placed a debt on my credit report that does not belong to me. The company that hired them called Telerecovery and verified the social listed in the records was incorrrect and requested the information be updated and removed from my credit report. I asked Telerecovery for something in writing advising this was an error and they have submitted the request to the credit bureaus to remove the account. They advised me the company does not provide written documentation of such request. The supervisor advised they already submitted the request and she could verbally give me the AUD # of the request they submitted. When I asked to speak with her manager, the manager advised that the request had not been submitted and they are " working on it ''. The fact that these people are frustrated that I 'm asking for this information based on their error and incorrect information is astounding and completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD/IDENTITY THEFT WHICH HAS ALREADY BEEN REPORTED. I do NOT recognize these inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Debt collection

On XXXX/XXXX/22, I used the functionality on XXXX XXXXXXXX XXXX website to start service at an apartment complex that I was planning to move in to. I chose the start date as XXXX/XXXX/22. Due to family emergency, I did not move into the apartment ; rather I moved to my parent 's home to care for them. On XXXX/XXXX/22, I used the functionality on XXXX 's website to stop service at the apartment. 

In XXXX, when I went to pay my final bill for the apartment that I had been living in for a few years, I noticed there was an outstanding balance of {$60.00} for the apartment I never lived in. I emailed XXXX  and stated that I never moved in to the residence. I assumed they would have adjusted the bill accordingly and only charge the basic service charge of {$16.00}. I checked the website account again in XXXX and XXXX to see if the bill had been adjusted. Seeing as how they ignored my email, in XXXX, I paid {$20.00} on the bill with the assumption that I would be liable for the full amount, which I accepted at that point ( or else I would not have paid the {$20.00} ). 
Today, I was notified by my credit score monitoring company that my account for the apartment I never lived in, went to collections. I went to the XXXX site and it shows the account is inactive ; there are no options to pay the balance online. 

I was NEVER sent any form of communication regarding this being in arrears. I was never notified by phone, nor by mail, nor by email. I have diligently tried to increase my credit score for the past two full years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus XXXX, XXXX and Equifax regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored. 

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Product: Bank account or service

XXXX, my bank manager at Wells Fargo, XXXX XXXX, XXXX, VA XXXX ( XXXX ) informed us ( myself, my daughter, and son-in-law ) when we started our small business ( XXXX ) that if we invested our own money to show good faith that we would qualify for a low interest business loan. We invested at least XXXX into our business and when we applied for the business loan, XXXX XXXX, Division Lending Manager, Wells Fargo Business Direct continues to deny us due to:1. A Collection problem on my credit report which Wells Fargo resolved in XXXX 2014 but refuses to send me a copy of the resolution ( just reported tonight XXXX XXXX ) to send to the XXXX credit report services and2. states my son in law and I have invested too much money in my business to receive a Wells Fargo small business loan. ( too much debt according to our income ). 
3. XXXX XXXX and XXXX, the branch manager keeps asking for more and more information which we have supplied but can not fix due to : XXXXA. Wells Fargo will not send me the Resolution Letter in my favor to send to the XXXX credit reporting agenciesXXXXB. Lied to us about receiving a small business loan after we invested so much of our own money that we can not get the small business loan they promised nor get .... 
XXXX A small business loan from any other lender due to NOT sending me the Resolution Letter to clear my credit report AND encouraging us to delete my line of credit with Wells Fargo to where I have too much debt to quality for their promised small business loan nor get a small business loan from any other lender.
Product: Checking or savings account

I had XXXXXXXX XXXX prior to Wellsfargo and always received my paycheck 2 days early because of direct deposits. Since opening and using Wellsfargo my direct deposits no longer come in 2 days early and the bank also lied to me that nothing was sent. My employer, XXXX always transmit direct deposits every other Wednesday in the morning and clear in accounts by no later than XXXX. I also received confirmation of the transmission. Yet Wellsfargo keeps lying to me and saying nothing was sent. I truly believe they are holding my direct deposit as a means of gaining interest on the money and I am filing this formal complaint against WELLSFARGO BANK
Product: Credit reporting or other personal consumer reports

Reinserting previously disputed and inaccurate information without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with a company named XXXX after several months of the company reporting a good payment history to Equifax, Equifax refuses to add the tradeline to my credit file ..I have provide email communications from the creditor, email communications from Equifax representative to the creditor stating they are reporting the item however the item doesnt appear on my file as a result it appears I have less credit history then I really do and it it causing my credit score to be lower
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from the US Bankruptcy court in response to a letter I sent them in reference to requesting if they have submitted any information about the bankruptcy reporting on my consumer record. Us Bankruptcy notified me stating they do not supply any information to the credit bureaus. On XXXX I received notification from XXXX XXXX from my request prior to opt out, stated US Bankruptcy court did not furnish my personal information to their agency. XXXX XXXX the furnisher for public records deleted the bankruptcy from the agency records. 

On XXXX I submitted a letter to XXXX and Transunion requesting information from the bureaus. XXXX responded remain but Transunion have not submitted the results. XXXX have not properly investigated the account based on the fact the Furnisher who remove the bankruptcy. 
This a violation of my right for privacy. According to 15 USC 1681a ( e ) - this is a direct violation of my right for privacy.
Product: Credit reporting or other personal consumer reports

I have asked for debt validation as well as the purchase agreement from XXXX XXXX XXXX saying the collection agency owes the debt. I have only ever had XXXX XXXX XXXX for wireless services, which are paid to date. When calling XXXX XXXX XXXX they stated there has been no record of the alleged debt.
Product: Credit card

As of today ( Monday XX/XX/year> ) there have been XXXX accounts, purchases attempted by the thief. First being an XXXX XXXX XXXX XXXX XXXX XXXX  store, second being a XXXX XXXX XXXX credit card account and third being a Neiman Marcus Capital One credit card. I received an email at XXXX EST on Saturday XXXX from XXXX regarding the purchase and called the location immediately. They claimed that all ID 's are scanned so the thief must have matched his photo to my information. For the Neiman Marcus account, a sales rep sent me a text on Sunday XXXX at XXXX EST confirming she would put XXXX XXXX  on hold for me. I called her back and warned her of this fraudulent situation. I am unsure if there are any other purchases or accounts that have been opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT ; XXXX DATE OPEN ; XXXX XXXX  THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.
Product: Debt collection

There are several unauthorized accounts on my credit report. I believe they are fraudulent and request they be removed as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) 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 or address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not reply 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: Debt collection

I have no idea why this is on my report. Ive had people getting jobs and opening all types of stuff in my name all over the country. I am XXXX by the XXXX. I am not going to school. Here is my FTC report as well as CFPB complaint since this issue was not taken care when I disputed through credit bureau.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 

Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Furthermore, Cash Apps handling of my account and related disputes may also violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure the accuracy of information shared with credit reporting agencies and by not conducting proper investigations of disputed charges. 

These actions have caused me significant inconvenience, financial loss, and potential harm to my credit standing. I seek appropriate redress for these violations.
Product: Student loan

I have been paying for more than a decade this loan on time. I send extra money monthly so I can finish paying early. However, even though I have been sending extra money for almost 5 years the balance never goes down. I have about {$3500.00} left and they are saying that I still have 4 more years @ XXXX XXXX   monthly, yet I send them XXXX XXXX monthly. That's would be more than double of what I owe them.
Product: Debt collection

I lived in the apartments that sent the amount in question to collection. I moved out of the apartment on time ( 2019 ), turned in my keys and left a forwarding address. I never received notice of anything owed, nor was I given my deposit back. Based on my lease and and XXXX, landlords have 30 days to provide written notice of any damages or anything that is to be paid that the deposit doesnt cover. I was never given any of that. Also, this is an outdated claim as I have since purchased a house. Ive never had issues with paying any outstanding balances upon move out. This claim is false and I shouldnt be obligated to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.
Product: Debt collection

Concerned parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  moved out of XXXX XXXX XXXX  My lease ended XX/XX/XXXX. I paid the lease through XX/XX/XXXX as required. 

XX/XX/XXXX they sent me a moveout bill {$400.00} which included a charge that I disputed over resurfacing a bathtub that had already been in disrepair before I moved in. After exchanging emails, they agreed to drop the tub resurface charge and changed the amount due to {$200.00} XX/XX/XXXX I paid {$200.00} as requested ( attached ) and considered the issue done. 
XX/XX/XXXX I received a collections letter from IQ Data ( attached ) dated XX/XX/XXXX saying that I owed XXXX the original amount {$400.00}. 

This is becoming a nightmare that I can not get rid of. I contacted the office and exchanged emails with XXXX XXXX who wrote : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good Afternoon, The collections account has been on hold. We have sent your ledger to show good standing, the agency will cancel the charges once reviewed. 

Please let us know if you have further questions. 
Cheers, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX I contacted IQ-Data ( XXXX ) XXXX about my account and they said they have had no contact from XXXX ( XXXX XXXX XXXX XXXX and still show me as a deadbeat. 

I don't know who to complain about or what to do. I can not get a call back from XXXX and IQ-Data will not work with me.
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was treated for XXXX in XX/XX/XXXX and my insurance ( XXXX ) was accepted by the doctor. I paid my co-payments for a total of XXXX-XXXX XXXX visits. 

Some time later there was a dispute between the doctor 's practice and XXXX and apparently the insurance company refused to pay the entire amount. 

The doctor 's office billed me for the difference of {$980.00}. I do not feel that I should not be obligated to pay if the insurance company did not feel the bills were warranted. 

Later, a collection agency ( TSC Accounts Receivable Solutions ) began sending me bills which I continue to disagree with on principle. I formally disputed the claim in XX/XX/XXXX. 

I was recently denied for a credit card application despite the fact that the rest of my credit is pristine. XXXX now shows this bill XXXX and therefore XXXX black marks on an otherwise perfect report. 

I called TSC A/R this morning and requested that they remedy this error. I even offered {$200.00} as a good faith gesture even though this dispute was between XXXX and the Doctor 's practice. 

My perfect credit is important to me, and I need help in setting the record straight.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.