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

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct the late open accounts listed on my credit file. Despite multiple communications and assurances from your company, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

The presence of late open accounts on my credit report is highly detrimental, as it inaccurately portrays my financial history and poses significant obstacles to accessing credit and financial opportunities. Despite my diligent efforts to rectify these inaccuracies, the problem persists, causing undue stress and frustration. 

I have made numerous attempts to contact your company to address this issue, providing all necessary documentation and information to support the correction of these inaccuracies. However, the lack of progress in resolving this matter is deeply concerning and reflects poorly on your company 's commitment to customer satisfaction and integrity. 

I demand immediate action to correct the late open accounts on my credit file and ensure that my credit report accurately reflects my financial history. Additionally, I request compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. 

I expect a prompt response detailing the steps you will take to rectify this matter, along with a timeline for resolution. Furthermore, I request regular updates on the progress made towards correcting these inaccuracies and restoring my credit file to its accurate state. 

Failure to address this issue promptly will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to resolve it expeditiously. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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 violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I attempted to create a my equifax account online an error directed me to call in. 
The automated system asked for information which equifax has the incorrect answers to. 
Using another service I got a copy of my credit report and called equifax back and verified myself through automated system using their incorrect answers. 
Finally got ahold of a representative who worded questions so weird I had no clue how to answer. Turns out it was yet another case of equifax needing their incorrect information. 
So I was able to log in and create an account. 
Equifax had taken it upon themselves to lock my report due to the XXXX breach and me filing to be part of the settlement. Found out the settlement was free credit monitoring by them. They couldnt monitor my information the first time, no thanks. So I was able to lift the lock. 
In XX/XX/XXXX I am unable to log in, spend 45 mins on phone told to create an acct using another email ... this just returned an error telling me to use original credentials, the ones that wont let me in resulting in my call. Am told I will receive a link in my email to log in. Wait 2 weeks, check spam relentlessly, nothing. 
XX/XX/XXXX I spend an hour and a half on phone ( see above ) Wait a week, no email. Call another department to hopefully speak to someone with other ideas. This department gets me into my account. 
Here online I begin the dispute process for a number of items that only equifax is reporting. 
XX/XX/XXXX I attempt to log in to check my status of the disputes via a link from equifax. Link brings me to login where I receive an error directing me to call in. I call in and am told I need to wait another 15 days. 
15 days later I go to log in. Error. 
Call equifax and am told to fax in pic of id, proof of address and pic of ssn card. 
Done as instructed. 
Receive email. Link to view status of dispute. Link doesnt work. Call. Told received documents but another department wants to review due to a tear in my ssn card, but that this rep can see all the numbers so not sending for further review, am told docs OKd ready to process disputes. 
Receive another email directing me to view status. Link does not work. 
Now XXXX of XXXX. MY BANKRUPTCY IS FINALIZED AND EQUIFAX IS THE ONLY BUREAU STILL REPORTING INACCURACIES. 
I call equifax again and even that rep can not get me into my account after password resets and direction to create another acct with new email. I advise rep this will only direct me to use my original credentials. Advised to fax written dispute request and that the previous rep did not pass my ssn card it is still being reviewed. 
XXXX XX/XX/XXXX, fax all identifying information again and include written request for disputes. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX now when I try to log in I receive an " temporarily unable to process this request '' and can not login. Does not even direct me to call. 
This is ridiculous.
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report from Ad Mortgage after I was told that this wouldn't be reported on my credit report. I also have the voicemail of the representative stating that the information was correct that I provided. I would like for this to be fixed on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file with the account listed as XXXX Account # XXXX. This account has not been properly validated or verified as belonging to me BEFORE it was placed on my consumer file. There is also no creditor information listed about this allege debt where I can follow up and verify this information myself. How were the consumer agencies able to verify this debt? What documentation was used or who did they speak with that stated this was my debt. There are several inconsistencies within the account which means this account has not been properly validated. 


Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- -- Account Rating : Derogatory Open Derogatory Creditor Type : Miscellaneous Government Federal State Payment Status : Collection/Chargeoff Current Late 120 Days Creditor Remarks : Collection Account Placed for collection Current account/was a collection account, insurance claim or government claim or terminated for default. 

Child/family support Collection account Payment Amount : {$0.00} {$280.00} {$280.00} Last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- 1 -- Past Due Amount : {$280.00} {$0.00} {$280.00} Account Type : Child Support Family Support Child Support ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KIKOFF LENDING XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Wells Fargo via chat to remove the escrow from my mortgage. They stated that they'd send me a letter and an email and that the escrow would be automatically removed within 10 days. That never happened. They transferred my account with the escrow to a new mortgage servicing company, XXXX XXXX.
Product: Debt collection

I have received collections notifications from XXXX XXXX services on multiple occasions. I am not aware or do not owe any amount of debt. I have Florida State XXXX and all payments were completed by the state. I am an indigent patient and I have contacted the collections agency on numerous occasions by mail. I am still repeatedly harassed by agents. These issues still exist and I am still getting notified. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$560.00}, {$770.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1800.00}, XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


XXXXXXXX XXXX Open XXXX XXXX XXXX remove inquires XXXX inquires 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 inquireis 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
Product: Bank account or service

I signed up for a Citi Gold bank account through a promotion ( promo code XXXX ) and completed the requirements in order to receive XXXX XXXX XXXX miles. 

Here is the Summary of the Promotion Requirements for XXXX XXXX : - Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
- Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

Fulfillment : The AAdvantage bonus miles will be credited by Citibank to the customers AAdvantage account within 90 calendar days from the date when the customer completes all offer requirements. 

I opened a Citi Gold checking account on XXXX/XXXX/16. I received confirmation from Citigold Customer Service that I met the promotion requirements on XXXX/XXXX/16 ( documented and saved ). 

Per the promotion requirements, 90 days after my completion date was XXXX/XXXX/16. I have tried contacting Citi multiple times asking when I will receive my XXXX AA miles and they have not provided a firm date or deadline regarding when this will be accomplished. They told me that they are going to open up a case regarding my question but they do not have any definite timeline regarding when I will receive my points. Please help. Thank you!
Product: Prepaid card

In XX/XX/XXXX, I noticed approximately over {$870.00} unauthorized charges on my online account tracking the purchases on this American Express gift card. My wife and I were married in XX/XX/XXXX and received this gift card as a wedding gift. 

Upon noticing the unauthorized charges, I called Amex Gift card customer support at XXXX. I went through with them the charges that I did not place. The card was always in my possession. 

They required I wait 45 days for this issue to be researched. I waited and got back in touch and said they were going to send me a replacement gift card. They emailed me with the last 5 digits or so of the gift card that was supposedly mailed to me. It never arrived. Then I called back asking re : the status of the gift card that was to be sent. The XXXX Customer Service, I guess an American Express contractor, stated they were going to send a check. I received a check for {$3.00}. I have not cashed as I am waiting my full credit to be returned to this out of pocket pre-paid gift that I received as a wedding gift. 

I can provide additional e-mail correspondence if needed.
Product: Checking or savings account

An unauthorized person was able to gain access to my CreditKarma account, change my personal info, and opened up a CreditKarma Spend Debit account. This occurred on XX/XX/year> at XXXX XXXX XXXX. I received notification, and was able to immediately lock the account. I called up CreditKarma, and they were able to freeze the new debit account for eventual closure. It was very difficult getting in touch with anyone at CreditKarma, and even when I explained it was an urgent fraud issue, had difficulty reaching the right team. 

My credit is frozen and credit alerts enabled with all three credit bureaus ( XXXX, XXXX, XXXX ) due to previous identity theft attempts, so new accounts should not be able to be opened. I asked CreditKarma how it was possible to open a new account in this situation, and they could not provide me an answer. They said that the bureaus don't impact them and are not necessary to open bank accounts with their services. I contacted XXXX, and they said that is absolutely not accurate, and also could not explain how they opened an account in my name with my current frozen status and alerts enabled.
Product: Credit reporting or other personal consumer reports

XXXX failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX  XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX  XXXX breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account
Product: Debt collection

I paid Credit Collection Services my full balance of {$530.00} on XX/XX/2020 at XXXX it came off my credit report for two weeks now its back on. 

Also I dont know what XXXX is its says owe {$860.00} never heard of that company
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX
Product: Checking or savings account

Since the account closed in XX/XX/XXXX, I haven't received my funds. I called in XX/XX/XXXX and was told there was nothing in the account. I hung up and called again to speak with another representative and was told that that they have no way of getting into a closed account. I then called again XX/XX/XXXX and spoke with a young lady who had no idea what she was doing and cut the call short by saying she couldn't help me at all. Called again in XXXX with a young gentleman who said he could see that I had money in the account and that it was closed but there wasn't anyway to see if the check was mailed. Called in XXXX and spoke with a young lady who actually took the time to speak with a supervisor and after a long phone call was told that her supervisor was able to see that they did have a check made out to me and that it hadn't been cashed yet. They were going to mail it out to me and I should have received it the first week of XXXX and nothing yet. Called again on XX/XX/XXXX and was told that there were no notes in my account and they have no idea what's going on. She sent a message to another department that deals with closed accounts and she said someone would reach out to me. Haven't heard anything yet and I'm over calling them and going through the same story with nothing to show for it. I just want my money.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b )  Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 )  The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy  available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. 
I demand the following accounts deleted immediately. 

ACCOUNTS : XXXX, XXXX